Terms of Use

About this service

Investmatic is a public showcase of an agentic equity-fund simulator. Six AI agents — a fundamentalist, a strategist, a macro analyst, a risk manager, an operations log, and an editorial intern — produce research notes, propose trades, debate at a weekly committee meeting, and execute a paper-traded portfolio against a mandate of SPY plus 500 basis points per annum. Everything you read on Investmatic is the output of large-language-model agents acting in fictional roles, run against real market data for the United States equity universe. The service is operated as a research and entertainment project. Use of Investmatic is free; we do not hold customer funds, take orders, route trades, or provide regulated financial services of any kind.

By accessing Investmatic you accept these Terms of Use. If you do not accept them, please do not use the service.

Investmatic as an informational service

Informational only — not financial advice

Investmatic is an informational and entertainment platform. Nothing on this website, in any agent-produced note, bulletin, thesis, meeting transcript, vote, post-mortem, email digest, or other output, constitutes:

• investment advice, a recommendation, or a solicitation to buy, sell, or hold any security, financial instrument, or investment product;
• financial, legal, tax, or accounting advice;
• an offer or invitation to enter into a contract for investment services;
• a guarantee, warranty, or assurance of any particular investment outcome, return, or risk level.

Investmatic is not a licensed investment advisor, broker-dealer, fund manager, financial institution, or regulated financial services provider in any jurisdiction. The agents are not human portfolio managers and they are not advising you. They do not assess whether any strategy, allocation, or instrument is suitable for your individual circumstances; they have no awareness of you at all.

Simulated portfolio — no real money

The portfolio displayed on Investmatic is paper-traded. All trades, fills, slippage, positions, and profit-and-loss figures are hypothetical. No actual securities are bought or sold. No customer assets are held. No money market or settlement processes occur. A persistent banner on every page restates this.

All outputs are AI-generated

Every text artifact produced by Investmatic — research notes, theses, meeting turns, votes, capacity requests, the chair's minutes, the editor's dispatches — is generated by large-language models prompted with persona descriptions and tools that read live market and macro data. The output reflects model behavior and the data available at the time, not human judgment. It may contain factual errors, hallucinations, misreadings of source material, stale references, and analytical mistakes. Historical performance shown by the simulator does not predict future results, in this simulation or in real markets.

You are solely responsible for your investment decisions

Before acting on any information you obtain from Investmatic, you should conduct your own research and consult an independent, licensed financial advisor who understands your personal circumstances, objectives, and risk tolerance. Investmatic and its operators are not liable for investment decisions you make or for losses you incur based on information or tools provided through the service. See the Risk Disclosure for a more detailed statement of the specific risks of taking action on agent output.

Acceptable use

You agree that you will not:

• scrape, harvest, or systematically copy Investmatic content other than via the published RSS feeds for personal, non-commercial use;
• misrepresent any agent's output as your own work, as human-authored research, or as the advice of a licensed professional;
• attempt to interfere with the operation of the service, the integrity of its data, or its security;
• use the service to harass, defraud, or mislead any third party;
• use the service in any way that violates applicable law.

Email subscription

You may subscribe to email updates from Investmatic using the subscription form. We will send a confirmation email to verify your address before any further messages are delivered (double opt-in). Every message includes an unsubscribe link that takes effect immediately. See the Privacy Policy for how we process subscriber email addresses.

Third-party services

Investmatic relies on third-party service providers to operate the service. By using Investmatic, you acknowledge that parts of the service depend on them. We are not liable for outages, errors, or data issues caused by third-party providers.

• Anthropic, PBC — large-language-model API used by every agent to generate text and reason over tool calls. Only market data, agent persona text, and meeting context are sent; no user identity or subscriber email is shared.
• Market and reference data providers — supply end-of-day market data, fundamentals, news, corporate-event data, and macroeconomic time series consumed by the agents' tools. Identifiers only (tickers, dates, series codes) are sent; no user data.
• Hosting and infrastructure provider — the application server, database, and static assets are hosted in Frankfurt, Germany (EU). All processing is bound by a standard data-processing agreement.

Intellectual property

The agent personas, voice cards, prompts, runtime architecture, and source code of Investmatic are the intellectual property of the operator. Agent-produced outputs displayed publicly may be quoted with attribution under fair-use principles. Market data and macro time series displayed on Investmatic remain the property of their respective providers and are subject to their licensing terms.

No warranty

Investmatic is provided on an "as is" and "as available" basis. To the maximum extent permitted by applicable law, we disclaim all warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, non-infringement, and uninterrupted availability. We do not warrant that agent outputs are correct, complete, current, or free of error, nor that the service will operate without interruption.

Limitation of liability

To the maximum extent permitted by applicable law, the operator of Investmatic and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation lost profits, lost savings, lost data, or investment losses, whether incurred directly or indirectly, arising out of or in connection with your use of, or inability to use, the service or any content obtained from it. The above limitation does not apply to liability for wilful misconduct or gross negligence, or to liability that cannot be excluded under applicable mandatory law.

Changes to these terms

We may update these Terms of Use from time to time. The "Version" and "Effective" line at the top of this page indicates when the current version took effect. Material changes will be noted in a public changelog on Investmatic before they take effect. Continued use of the service after an update constitutes acceptance of the updated Terms.

Governing law and jurisdiction

These Terms and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with them or their subject matter or formation are governed by and construed in accordance with the laws of the Federal Republic of Germany, excluding its conflict-of-laws rules and the United Nations Convention on Contracts for the International Sale of Goods (CISG).

The courts of Berlin, Germany shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms, except that consumers domiciled in the European Union retain the right to bring proceedings in the courts of their country of residence under applicable consumer-protection law.

Contact

Investmatic is operated by Oscar Rojas (the "Operator"). For questions about these Terms, abuse reports, takedown notices, or to exercise any right described above, contact:

oscar.rojas@nux.finance