Terms of Service

By accessing or using the ACCE Investments platform at acceinvestments.com (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you must not use the Service.

ACCE Investments is operated by Adrien Chantreuil, a sole trader based in Spain ("we", "us", "our", or "ACCE"). These Terms constitute a legally binding agreement between you and ACCE.

ACCE Investments provides an online investment research and information platform that includes: AI-assisted thematic stock indices with daily NAV tracking, personally reviewed and approved by the founder; weekly investment pick publications; an advanced stock screening tool; financial scoring and analysis; portfolio tracking functionality with optional broker auto-import (via SnapTrade) and read-only sharing/collaboration; and related content including blog posts, alerts, and market analysis.

The Service is an information and research product only. ACCE does not execute trades, hold client funds, manage portfolios on behalf of users, or provide personalised investment advice. Users execute all trades through their own brokerage accounts independently. Where a broker connection is enabled, the connection is read-only: ACCE imports balances and transactions for tracking, never trades or moves money.

ACCE Investments is not a licensed investment firm, broker, financial adviser, or asset manager. The Service does not constitute investment advice, financial advice, trading advice, or any other form of professional advice within the meaning of Directive 2014/65/EU (MiFID II) or any national implementation thereof.

All content, including index compositions, weekly picks, stock scores, financial models, fair value estimates, and AI-generated analysis, is provided for general informational and educational purposes only. Nothing on this platform constitutes a personal recommendation or a solicitation to buy, sell, or hold any financial instrument. All information is addressed to the public generally and is not tailored to the specific investment objectives, financial situation, or needs of any individual user.

Past performance of any index, pick, or strategy is not indicative of future results. Investing in financial markets involves risk, including the potential loss of your entire investment. You should consult a qualified, licensed financial adviser before making any investment decision.

You must be at least 18 years of age to use the Service. By using the Service, you represent and warrant that you are of legal age in your jurisdiction and have the legal capacity to enter into these Terms. The Service is not directed at residents of jurisdictions where its use would violate applicable law or regulation.

To access certain features, you must create an account. You agree to provide accurate, current, and complete registration information; maintain the security and confidentiality of your login credentials; promptly notify us of any unauthorised use of your account; and accept responsibility for all activities that occur under your account.

We may suspend or terminate accounts that violate these Terms or that we reasonably believe are being used for fraudulent or harmful purposes, as set out in section 17.

ACCE offers free and paid subscription tiers. Paid subscriptions are billed through Stripe. By subscribing to a paid plan, you agree to pay all applicable fees at the rates displayed at the time of purchase.

Subscriptions renew automatically at the end of each billing period (monthly or annual) unless cancelled before the renewal date. You may cancel your subscription at any time through your account settings or the Stripe billing portal. Cancellation takes effect at the end of the current billing period. Except where these Terms provide for a refund (sections 7, 16 and 17) or the law requires one, no partial refunds are issued for unused time within a paid period.

We reserve the right to change subscription pricing with at least 30 days' notice. Price changes will apply at your next renewal. If you do not agree with a price change, you may cancel before it takes effect.

If you are a consumer, you have the right to withdraw from your paid subscription within 14 days without giving any reason (Directive 2011/83/EU on consumer rights). Your subscription is a contract for a digital service, so the withdrawal period expires 14 days after the day the contract is concluded, which is the day your paid subscription starts.

There are two kinds of trial. The free trial needs no card and costs nothing: when it ends your account returns to the free plan unless you pick a plan. The AI trial costs 1 EUR, 1 USD or 1 GBP to activate (see "Trial activation" in the AI questions section below) and the plan you chose starts charging on day 31 unless you cancel before. For the paid plan, the 14-day withdrawal period runs from the day it becomes paid, so a trial that converts gives you a new 14-day period from your first payment (see "Withdrawal and AI tokens").

To exercise your right of withdrawal, send us a clear statement of your decision to withdraw by email to [email protected] before the withdrawal period expires. You may use the model withdrawal form in Annex I(B) to Directive 2011/83/EU, but you do not have to. It is enough that you send your statement before the 14 days have passed.

When you subscribe, you expressly ask us at checkout to start providing the Service immediately, before the withdrawal period ends. If you then withdraw within the 14-day period, we refund the price you paid minus the value of the AI tokens you used in that period, counted at the price of the smallest question pack (see "Withdrawal and AI tokens" in section 7a). We will refund this amount without undue delay and in any event within 14 days of the day we are informed of your decision to withdraw, using the same means of payment you used, unless you expressly agree otherwise. You will not incur any fees as a result of the refund.

This right applies to every consumer, wherever you live. Business accounts (advisor plans) have no right of withdrawal.

Ask ACCE answers questions about stocks, funds, markets and ACCE's own data. Answers are generated by artificial intelligence (Anthropic's Claude models) from ACCE's database. They explain ACCE research and are not personal investment advice. AI can make mistakes: check the figures and their sources before you make any decision.

Ask ACCE only answers questions about investing. Other requests are declined at no cost. We may limit the number of questions per minute.

AI tokens. Questions use AI tokens. The number of tokens depends on the depth you choose (Quick, Standard or Deep) and the length of the question and answer. The tokens used are shown under each answer. A question only starts if your balance can cover it. AI tokens have no cash value, cannot be transferred or exchanged for money, and are only valid on your account.

Monthly tokens. Each paid plan includes a monthly amount of tokens, set out on the pricing page. They are added on the same day each month, on monthly and yearly plans alike, and unused monthly tokens expire when the next amount is added.

Question packs. Packs are one-off purchases of extra tokens. They are used after your monthly tokens, are valid for 24 months from purchase, and are lost if your account is deleted, by you or by us for a breach of these terms. Because tokens are added to your account immediately at your express request, you lose your 14-day right of withdrawal once they are added. If ACCE stops offering Ask ACCE, unused pack tokens are refunded in proportion.

Trial activation. Starting a trial costs 1 EUR, 1 USD or 1 GBP, which activates the trial and its AI tokens. This amount is deducted from your first payment if the trial becomes a paid plan. If you withdraw within 14 days of signing up, we refund the share of the trial tokens you have not used.

Withdrawal and AI tokens. If you withdraw from a paid subscription within the 14-day period in section 7 (including after a trial becomes a paid plan), we refund the price paid minus the value of the AI tokens used in that period, counted at the price of the smallest question pack.

Fair use. Using Ask ACCE for anything other than investing questions, trying to get around its limits, or automated use may lead to suspension of Ask ACCE or of your account.

You agree not to: redistribute, resell, or republish any content from the Service without prior written consent; use the Service to provide investment advisory services to third parties; use automated tools, bots, or scrapers to access or extract data from the Service; attempt to circumvent any access controls, tier gating, or security measures; interfere with the operation or integrity of the Service; use the Service for any unlawful purpose; or impersonate any person or entity in your use of the Service.

All content on the Service, including but not limited to text, data, indices, scores, analysis, financial models, code, design, and trademarks, is the property of ACCE Investments or its licensors and is protected by applicable intellectual property laws.

Your subscription grants you a limited, non-exclusive, non-transferable, revocable licence to access and use the Service for your personal, non-commercial investment research purposes. This licence does not include the right to copy, distribute, modify, or create derivative works from any content.

ACCE's proprietary scoring methodology, index construction methodology, and AI automation systems are trade secrets. No part of these methodologies may be reverse-engineered, decompiled, or reconstructed.

Portions of the Service, including stock analysis, weekly picks, alerts, blog posts, and index reviews, are generated or assisted by artificial intelligence (Anthropic's Claude API). While we strive for accuracy and quality, AI-generated content may contain errors, omissions, or outdated information.

AI-generated content is personally reviewed and approved by the founder before publication, but is provided "as is" without warranty of completeness, accuracy, or suitability for any purpose. You should independently verify any information before relying on it for investment decisions.

Market data, stock prices, fundamental data, and other financial information displayed on the Service is sourced from third-party providers including Yahoo Finance and may be subject to delay, inaccuracy, or interruption. ACCE does not guarantee the accuracy, completeness, or timeliness of any data and shall not be liable for any losses resulting from data errors.

Index NAV values and performance figures are computed internally by ACCE based on end-of-day prices and may differ from real-time market values. These are for informational purposes only and should not be relied upon as exact values.

The portfolio tracking feature allows you to manually input your holdings, or to opt in to broker auto-import via SnapTrade (see section 12a), for informational and tracking purposes. Portfolio values, returns, and analytics displayed are estimates based on the data you provide or that we receive from SnapTrade, plus available market data. They may not reflect your actual portfolio performance, your broker's definitive position record, or your tax cost basis.

You may optionally connect a brokerage account to the portfolio tracker through our integration with SnapTrade. The integration is currently labelled BETA and is offered on a best-effort basis without warranty as to data freshness or completeness.

When you initiate a broker connection, you are taken to SnapTrade's OAuth flow and authenticate with your broker directly. ACCE never sees your brokerage credentials. SnapTrade returns to ACCE a read-only data feed (positions, transactions, balances, account metadata) for the accounts you authorise. ACCE will use that feed solely to populate your portfolio tracker.

You authorise ACCE to call SnapTrade on your behalf to refresh the data feed on a daily schedule and on-demand. ACCE will not initiate trades, transfer funds, or modify any account state at your broker, and the connection does not grant ACCE the technical ability to do so.

You may revoke the connection at any time from Settings > Connections. Revocation immediately stops further data refresh; previously-imported transactions remain in your portfolio history unless you delete them.

SnapTrade is a separate service operated by Passiv Inc. Your use of the SnapTrade flow is also governed by SnapTrade's own terms and privacy policy at snaptrade.com.

The portfolio tracker provides optional read-only sharing flows: public share links (anyone with the link can view the portfolio) and email-invited collaborators (a named individual can view the portfolio after accepting the invite). Both are off by default and entirely user-initiated.

You are responsible for the share links you generate and the people you invite. Public share tokens are unguessable but are not authenticated; treat them like unlisted documents and revoke them when no longer needed. Collaborators are bound by these Terms when they access shared portfolio data.

To the extent permitted by applicable law, ACCE Investments, its owner and its service providers shall not be liable for any indirect or consequential damage; any loss of profits, revenue, data, or investment returns; or any damage arising from your reliance on any content or analysis, investment decisions made based on information from the Service, or interruptions of or errors in the Service.

Our total aggregate liability to you for any claim arising out of or relating to these Terms or the Service shall not exceed the amount you have paid to ACCE in the 12 months preceding the claim, or EUR 100, whichever is greater.

Nothing in these Terms excludes or limits our liability for damage caused intentionally or through wilful misconduct, for damage caused by gross negligence, for death or personal injury, for fraud, or for any other liability that cannot be excluded or limited under the mandatory law applicable to you as a consumer. The limitations in this section do not affect your statutory rights as a consumer, including your rights if the Service does not conform to the contract (see section 14).

The Service is an information service. We do not guarantee any investment result or return, or that any content, data, score, estimate or analysis is accurate, complete or up to date. Subject to your statutory rights, the Service is provided "as is" and "as available", and we make no commitments about it beyond those set out in these Terms.

In particular, we do not guarantee that the Service will be uninterrupted, error-free, or free of viruses or other harmful components, or that it will meet your specific requirements or expectations.

Nothing in this section affects your statutory rights as a consumer. We must supply the Service in conformity with the contract. If it does not conform, you have the remedies provided for digital content and digital services under Directive (EU) 2019/770 as implemented in your country, such as having the Service brought into conformity, a proportionate price reduction or termination of the contract.

If you breach these Terms or the law when using the Service and this causes loss to us (for example, a claim brought against us by a third party because you redistributed content from the Service without permission), you must compensate us for that loss, including reasonable legal costs, to the extent the loss was caused by your breach and you are at fault. This section does not apply beyond what the consumer protection law applicable to you allows.

Changes to the Service. The Service evolves over time: we may add, change or remove features, for example to improve the Service, for technical or security reasons, or to comply with the law. If a change during a paid period would materially and adversely affect your access to or use of the Service, we will tell you by email reasonably in advance, clearly describing the change. You may then terminate your subscription free of charge within 30 days of our notice or of the change, whichever is later, and we will refund the unused part of your paid period on a pro-rata basis.

Changes to these Terms. We may update these Terms, for example to reflect changes to the Service or to the law, and will publish each new version on this page with a new "Last updated" date. If you have a paid subscription, we will send you the changes by email at least 30 days before they take effect. If you do not agree with them, you may cancel your subscription before they take effect, and we will refund the unused part of any prepaid period on a pro-rata basis. Changes required by law, or that do not adversely affect you (such as corrections or clarifications), may apply sooner.

If you use the Service without a paid subscription, the updated Terms apply from the date shown at the top of this page. If you do not agree with them, you may stop using the Service and close your account at any time.

You may cancel your subscription at any time from your account settings or the Stripe billing portal. Cancellation takes effect at the end of the current billing period, and you keep access to your plan until then. You may also close your account at any time.

We may suspend or terminate your access with immediate effect only for a serious reason: a serious or repeated breach of these Terms, fraud or reasonably suspected fraud, a legal or regulatory requirement or an order of a competent authority, or a threat to the security of the Service or of other users. In all other cases, including if we decide to stop offering the Service, we will give you reasonable prior notice by email (at least 30 days if you have a paid subscription). Unless the law prevents it, we will tell you the reason for any suspension or termination.

If we terminate your subscription for a reason that is not your fault, we will refund the unused part of any prepaid period on a pro-rata basis.

Upon termination, your right to use the Service ends. Provisions that by their nature are intended to continue to apply after termination (including intellectual property, limitation of liability, section 15, and governing law and disputes) continue to apply.

These Terms are governed by Spanish law and applicable EU law. If you are a consumer, this choice of law does not deprive you of the protection of the mandatory provisions of the law of the country where you habitually reside.

If you have a complaint, please contact us first at [email protected] so we can try to resolve it amicably. If you are a consumer, you may bring proceedings against us in the courts of the place where you are domiciled or in the courts of Spain, and we may bring proceedings against you only in the courts of the place where you are domiciled.

You may also use an out-of-court consumer dispute resolution procedure available in your country. In Spain, you can apply to the consumer arbitration system (Juntas Arbitrales de Consumo); in France, you have the right to use consumer mediation. Using these procedures does not affect your right to go to court.

If any provision of these Terms is found to be invalid or unenforceable, that provision shall be enforced to the maximum extent permissible, and the remaining provisions shall remain in full force and effect.

For questions about these Terms, contact us at:

ACCE Investments
Email: [email protected]
General inquiries: [email protected]
Website: acceinvestments.com