Terms of Service

1 · Scope of the service

Ratiofy is an analysis tool that aggregates official records, filed statements and elaborations — including analyses generated by artificial intelligence — to return a concise report on a company's health. The service is provided by Ratiofy S.r.l.

2 · Informational, not advisory

The reports, scores, indicators and value estimates are for purely informational purposes. They do not constitute financial, legal or tax advice, nor an appraisal or an investment recommendation. The decisions you make based on the reports remain your sole responsibility.

3 · Sources and accuracy

Data comes from sources considered reliable and publicly available. While we strive for accuracy, we do not guarantee that data is always complete, up to date or free of errors. AI elaborations are indicated as such and may contain inaccuracies.

4 · Credits and payments

Some features use credits, as indicated on the Pricing page. Credits purchased via top-up do not expire; credits included in plans have the validity stated. Prices are VAT excluded, unless otherwise indicated.

5 · Permitted use

You agree to use the service in compliance with the law and not to carry out automated mass extraction, resale of reports or uses that infringe the rights of third parties. Access to the application is personal and tied to your credentials.

6 · Intellectual property

The software, interface, trademarks and content elaborated by Ratiofy are protected. You may use the reports for your internal professional purposes; any other use requires authorization.

7 · Limitation of liability

To the extent permitted by law, Ratiofy is not liable for indirect or consequential damages arising from the use or non-use of the service or from reliance on the reports.

8 · Changes and governing law

We may update these terms; the current version is always published on this page. The relationship is governed by Italian law. For any communication: contact@ratiofy.ai.