Terms of Use

By accessing or using Plio Live Earnings (the "Service") at plioai.com or via any Plio-provided API, SDK, or client library, you agree to these Terms of Use. If you do not agree, do not use the Service.

Plio provides live, attributed transcripts of public earnings calls plus AI-generated analysis. Plio is the operator; attribution accuracy is best-effort and Plio makes no warranty about completeness, accuracy, or fitness for any particular purpose, including but not limited to investment decisions.

You are responsible for the confidentiality of your account credentials and API keys (ek_*tokens). Plio may revoke any credential at any time for any reason, including suspected abuse. You agree not to share credentials, attempt to access another user's account, or otherwise circumvent the Service's access controls.

You agree not to:

• Resell, sublicense, or republish the transcript feed without a written agreement with Plio.
• Use the Service to violate any applicable law or regulation, including securities law.
• Attempt to reverse-engineer, scrape at abusive volume, or otherwise interfere with the Service's infrastructure.
• Use Plio's AI lenses to impersonate the public figures they model, or to mislead third parties about endorsement.

Plio retains all right, title, and interest in the Service, including the wire format, models, software, and brand. You retain all rights in any inputs you provide (questions to AI lenses, contact-form messages); you grant Plio a worldwide, royalty-free license to use those inputs to operate and improve the Service.

Transcripts are derived from publicly broadcast earnings calls. Plio does not claim copyright in the underlying spoken words; Plio claims copyright in the curated, attributed, structured format in which those words are delivered.

Plio offers AI lenses modeled on public figures (e.g. Jensen Huang, Colette Kress). These lenses are Plio's best-effort representations and are NOT affiliated with, endorsed by, or approved by the individuals they model. Outputs are AI-generated and should not be treated as statements by the actual person.

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. PLIO DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. NOTHING IN THE SERVICE CONSTITUTES INVESTMENT, LEGAL, OR TAX ADVICE.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PLIO'S TOTAL LIABILITY UNDER THESE TERMS IS LIMITED TO THE FEES PAID TO PLIO IN THE TWELVE MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR USD $100, WHICHEVER IS GREATER. IN NO EVENT SHALL PLIO BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.

You may stop using the Service at any time. Plio may suspend or terminate access for any breach of these Terms, suspected abuse, non-payment, or at Plio's sole discretion. Sections 5, 7, 8, and 11 survive termination.

Plio may update these Terms at any time. Material changes will be announced via email to the address on your account or, absent an account, posted on this page at least 14 days before taking effect.

These Terms are governed by the laws of the State of Delaware, United States, without regard to its conflict of laws principles. Any dispute will be brought exclusively in the state or federal courts located in Delaware, and both parties consent to the personal jurisdiction of those courts.

Questions about these Terms can be sent via the contact form.