Version 1.1 — Effective 24 April 2026
TOVE (Tactical Outlook & Value Engine) is a macroeconomic decision-support tool for individual investors. TOVE provides daily AI-generated analyses, market scenarios, and investment suggestions to help you understand macroeconomic trends.
TOVE's AI-generated analyses, briefs, scenarios, and suggestions are for informational purposes only and do not constitute investment advice, financial advice, or any form of regulated financial service. AI models can make mistakes, misinterpret data, and cannot predict the future. Historical data does not guarantee future results. You bear full and sole responsibility for all your investment decisions. Always consult a licensed financial adviser before making investment decisions.
You must be at least 18 years old to use TOVE. By creating an account you confirm that you meet this requirement.
You are responsible for keeping your login credentials confidential and for all activity that occurs under your account. Notify us immediately at [e-post skyddad] if you suspect unauthorized use.
TOVE offers Free, Plus, and Pro plans. Paid subscriptions are processed securely by Stripe. Prices are quoted in Swedish kronor (SEK) and include VAT where applicable. Subscriptions renew automatically until cancelled.
You may cancel your subscription at any time from the billing settings page. Cancellation takes effect at the end of the current billing period. No refunds are issued for partial periods.
To the maximum extent permitted by law, TOVE and its operators shall not be liable for any financial losses, indirect damages, or consequential damages arising from use of the service or reliance on its content. Our total liability shall not exceed the amount you paid for the service in the 12 months preceding the claim.
All content, branding, and software within TOVE is owned by or licensed to TOVE's operators. You may not copy, distribute, or create derivative works without prior written consent.
We may update these terms from time to time. We will notify you by email or in-app notice at least 14 days before material changes take effect. Continued use after that date constitutes acceptance.
These terms are governed by Swedish law. Any disputes shall be resolved in Swedish courts.
Questions? Contact us at [e-post skyddad].
TOVE's AI analyses are built on publicly available RSS feeds and official sources (central banks, government agencies, listed companies' press releases, SEC EDGAR). We fetch metadata only — headline, short description, publication date, source name, and link — and use it as input to our own transformative analysis. We do not copy, republish, or store full text from copyrighted articles, with the exception of material in the public domain or material the publisher distributes freely for broad redistribution (e.g. central bank press releases). Sources are shown clearly in our briefs and emails with clickable links to the original article. All rights in third-party content remain with their respective owners — TOVE claims no rights in the material we reference. If you are a publisher and believe TOVE's use of your RSS feed is incorrect, contact us at [e-post skyddad] and we will address it promptly.