Terms of Service

These terms are an agreement between you and systown.ai AB (Systown AI) (org. no. 559163-5031, Kungsgatan 8, Stockholm, Sweden), "MoatDefender", "we". They apply when you use moatdefender.com, the MoatDefender app, the MoatDefender MCP server, the API or the moatdefender command-line tool (together, "the Service").

1. What the Service is

MoatDefender reads material about a company, such as a pitch deck, a description or your answers in a chat, and produces a Moat Index reading: a number from 0 to 100 with a range, a band, a confidence label, and a reading of seven sources of defensibility ("powers"). It also offers explanations, share cards, discovery features for investors, and access to the same functions from AI assistants (via MCP), scripts (API) and the terminal (CLI).

The methodology page explains what the Moat Index measures, its bands and its limits. The method itself (including its rules, weights, prompts and data) is proprietary and confidential to us. Each reading records the method version that produced it.

2. Accounts

1. You sign in with a link sent to your email. The link works once and expires after 10 minutes. A session lasts up to 14 days. Keep access to your email account secure.
2. You must be at least 18 years old.
3. If you use the Service for a company, you confirm that you may bind that company to these terms. The company is then "you".
4. One person per account. Personal access tokens for the MCP server, API and CLI belong to your account, and you are responsible for everything done with them.

3. Your material

1. You keep all rights to the material you submit (decks, text, chat answers) and to your company's information.
2. You give us a limited, non-exclusive licence to process your material only to provide the Service to you: extracting facts, computing readings, producing explanations and share cards, and keeping the history you can see. The licence ends when you delete the material or your account, except for the copies we must keep by law (see the Privacy Notice).
3. We do not use your material to train AI models, and we do not sell it. The terms on which each model provider processes it, including whether it may be retained or used for training, are listed in Sub-processors.
4. We do not keep the original file of an uploaded deck: it is deleted right after it is read, and an upload that is never read is deleted within 48 hours. We keep a cryptographic fingerprint of it, its file name and the facts extracted from it.
5. You confirm that you have the right to submit the material, and that any personal data in it (for example names of founders, employees or customers) may lawfully be shared with us for this purpose. If you are a business and the material contains personal data, our Data Processing Agreement applies.
6. Material is private to your account unless you choose to share it. Listings and public shares are always opt-in.

4. Readings are opinions, not advice

1. A Moat Index reading is an opinion produced by AI models following our proprietary method. It is not investment, legal, tax or financial advice, not a recommendation to buy, sell or hold anything, and not a valuation.
2. Readings can be wrong. Material can be incomplete, and models make mistakes. The range and the confidence label show how certain a reading is. A reading flagged for review has had its confidence lowered by an independent check.
3. The price of the Service never depends on the score, and paid features never change a score. Advice we give about improving a moat does not change the reading. Only new evidence produces a new reading.
4. The same evidence gives the same reading. You cannot buy or request a different number for unchanged evidence.
5. You may share your readings, but you must not change them, present them as an endorsement, certification or investment rating by MoatDefender, or imply that MoatDefender reviewed a company by hand.

5. Tokens and payment

1. Some features cost tokens. The token cost is shown before you spend. On the MCP server, API and CLI, a spending call must confirm the spend explicitly.
2. If a reading fails on our side, the tokens are refunded automatically.
3. Access is through a paid membership; tokens are bought in packs. The membership fee, the token packs and what each action costs are shown on the pricing page and at checkout. Tokens do not expire while your membership is active. If your membership ends, bought tokens are frozen and return when you rejoin.
4. Tokens have no cash value and cannot be transferred.
5. Prices are shown in the checkout including VAT where VAT applies.

Right of withdrawal (consumers in the EU/EEA)

If you buy as a consumer, you have a 14-day right of withdrawal. Tokens are digital and can be used at once. At checkout we ask you to request immediate delivery and to confirm that you lose the right of withdrawal for tokens you use. Within 14 days of purchase we refund unused tokens on request, in full. To withdraw, email hello@moatdefender.com or use the standard withdrawal form in the Company information.

6. MCP server, API and CLI

1. You can connect MoatDefender to an AI assistant you choose (for example Claude, ChatGPT or Gemini) or use it from scripts and the terminal. Readings are always computed on our servers with our method; the assistant only asks and displays.
2. You choose the scopes of each token (read, rate, share). Give AI agents read-only tokens unless you want them to spend tokens on your behalf. Revoke a token at any time in Settings.
3. The assistant you connect is a separate service with its own terms. What it does with the answers it receives is governed by your agreement with its provider.
4. Rate limits apply. We may revoke a token that is leaked or used against the Acceptable Use Policy.

7. Acceptable use

You must follow the Acceptable Use Policy. In short: no material you have no right to, no attempts to manipulate readings or the models, no scraping, no attacks on the Service.

8. Your data, export and switching

You can download everything we hold about you as a machine-readable file and delete your account at any time from Settings. We charge nothing for export or switching. The EU Data Act notice sets out the switching terms.

9. Availability and changes

1. We work to keep the Service available but do not promise uninterrupted service.
2. We may change the Service. The method may get new versions. Old readings keep the version that produced them.
3. We will notify you by email at least 30 days before a material change to these terms takes effect. If you don't agree, you can close your account before the change, and we refund unused paid tokens.

10. Ending the agreement

You can close your account at any time. We may suspend or close an account that breaks these terms. Where possible we warn you first and give you time to export your data, unless the breach is serious or the law requires otherwise.

11. Liability

1. Consumers: nothing in these terms limits your statutory rights.
2. Businesses: our total liability per 12-month period is limited to the amount you paid us in that period. We are not liable for indirect loss, lost profit or decisions you make based on a reading.
3. Nothing limits liability for intent, gross negligence, or anything else that cannot be limited by law.

12. Intellectual property in the Service

The MoatDefender name, the Moat Glyph, the software, the method and the site belong to us. Share cards may be shared as generated, and short excerpts of our public pages may be quoted with attribution. You may not reverse engineer, probe or systematically extract the method or its outputs, use readings or other outputs to train, fine-tune or evaluate models, or use the Service to build a competing scoring or rating service.

13. Law and disputes

Swedish law applies. Disputes go to the courts of Sweden. As a consumer you keep the protection of the mandatory law of your country of residence, and you can bring a complaint to the National Board for Consumer Disputes (Allmänna reklamationsnämnden, arn.se) or to the consumer-dispute body in your country.

14. Contact

hello@moatdefender.com · Kungsgatan 8, Stockholm, Sweden