Terms of Service

You accept these terms by ticking the box when you create an account. If you don’t agree, please don’t use the service.

MYILMEX LTD is a private limited company registered in England and Wales (company number 17540904). Registered office: 14 Derby Road, Stapleford, Nottingham, England, NG9 7AA. “MYILMEX”, “we” and “us” mean MYILMEX LTD. Until the company was incorporated on 24 October 2026, this service, then called ILMEX, was run by its founder personally; the move to the company doesn’t reduce any right you have under these terms.

MYILMEX is a research and education platform. It provides market data, rules-based scoring frameworks (for example Buffett- and Lynch-inspired checklists), portfolio tracking, an AI research assistant, and Islamic-finance screening information.

MYILMEX is not authorised or regulated by the Financial Conduct Authority, and does not provide investment advice. It is not a broker, financial adviser or investment manager. Nothing on the platform — including scorecards, screens and lists of companies that pass a framework’s checks, alerts, the daily brief, and anything the AI assistant says — is a personal recommendation to buy, sell or hold any investment, or an assessment that an investment is suitable for you.

MYILMEX lets you choose which published framework is shown first and how much is explained alongside the figures, and it stores the holdings you enter so it can show you facts about them. That is presentation, not advice: the same published rules are applied to every company for every user. MYILMEX does not ask about your income, savings or wider financial situation, your investment objectives, time horizon or risk tolerance, and it never assesses whether an investment is suitable for you. If you need advice about your own situation, speak to an FCA-authorised financial adviser.

Your capital is at risk. The value of investments can fall as well as rise and you may get back less than you put in. Past performance is not a reliable guide to future results. MYILMEX never holds your money and (see §8) cannot place a trade for you. Investment decisions you make are your own.

Shariah-compliance results shown on MYILMEX are automated analysis against published methodology thresholds (AAOIFI, DJIM, MSCI, S&P, FTSE), sourced from Halal Terminal, our data provider — never determined in-house. Purification and zakat figures are estimates computed from that data and from what you enter. None of this is a fatwa. Scholars differ, screening data can be out of date, and the educational material on MYILMEX has not yet been reviewed by a qualified scholar. For a ruling on your own circumstances, consult one.

You must be at least 18 years old and legally able to enter into these terms, and you confirm that you are when you join the waitlist or create an account. If we learn an account belongs to someone under 18, we’ll close it and delete its data. MYILMEX is designed for people in the United Kingdom; if you use it from elsewhere, you’re responsible for making sure that’s lawful where you are.

Keep your login details secure and don’t share your account. You’re responsible for activity on your account that results from your failing to do so; you’re not responsible for activity caused by a failure on our side. Tell us straight away at amaan@myilmex.onmicrosoft.com if you suspect unauthorised access.

Market data, financial statements and analysis on MYILMEX are sourced from third parties (Financial Modeling Prep, Finnhub, SEC EDGAR, FINRA, Halal Terminal, FRED) and may be delayed, incomplete, or occasionally wrong. Prices are not real-time trading quotes. Where a figure can’t be verified across sources, MYILMEX marks it as unverified rather than presenting it as fact, and shows “—” rather than inventing a value — but no data feed is guaranteed accurate.

The scoring thresholds MYILMEX applies are interpretations. The education section explains which come from the investors’ own writing and which are MYILMEX’s calibration. Check anything material against the company’s own filings before relying on it.

The assistant (Ask ILM), the daily brief, and the 10-K and proxy analyses are generated by an AI model. AI output can be wrong, incomplete or out of date, and can state mistakes confidently. The filing analyses quote their sources so you can check them; the assistant is grounded in MYILMEX’s own research where it can be. Neither removes the need to verify.

AI output is information, not advice, on exactly the same footing as the rest of the platform (see §2) — including when it refers to your own holdings. AI features are subject to fair-use limits that depend on your plan, shown in the app. What is sent to the AI provider is set out in the Privacy Policy.

MYILMEX does not currently offer linking a brokerage account, and has no connection to any broker through which it could place a trade or move funds. Your portfolio on MYILMEX is what you enter yourself. If linking is offered again, it will be read-only and these terms will say so before it is switched on.

Alerts are a convenience, delivered on a best-efforts basis. Price alerts are checked every few minutes and other alerts once a day, so an alert may arrive after the event, and can be delayed or missed entirely if a data provider, our systems, or your email provider has a problem. Don’t rely on a MYILMEX alert as your only means of monitoring an investment or of timing a trade.

Paid plans aren’t on sale yet, and nothing can be charged until they are. You’ll only ever pay if you choose a paid plan and agree at checkout. These terms apply from then.

• Before you pay you’ll see the price, the billing period, what the plan includes, that it renews automatically, how often we’ll remind you, and how to cancel. Prices are in pounds sterling and include any VAT that applies. There are no other fees from MYILMEX. If you pay from another country, your bank may charge its own conversion fee.
• Renewal. A paid plan renews automatically, monthly or yearly as you chose, at the same price unless we’ve told you otherwise, until you cancel. Yearly plans are paid up front.
• Reminders. We’ll email a reminder before each yearly renewal, and at least every six months on a monthly plan, saying what you’ll pay, when, and how to cancel.
• Cancelling takes a few clicks, online, from your account, at any time. You keep your plan until the end of the period you’ve paid for, then move to the free plan.
• Refunds. You can cancel within 14 days of a first subscription or a yearly renewal for a full refund. Our Refund Policy sets out this right, how to use it, and when else you’ll get money back. It forms part of these terms.
• Price changes. We’ll give you at least 30 days’ notice by email. You can cancel before the change applies and you won’t pay the new price. A yearly plan keeps its price until it ends.
• Free trial. The free trial of Pro doesn’t ask for a card. When it ends you move to the free plan unless you choose to subscribe.
• Founding price. The first 50 people to take out a paid plan keep the price they first paid for as long as that plan and billing period continue without a break. If you cancel or change plan, the then-current price applies.
• If a payment fails we’ll tell you and try again. If it still can’t be taken, your account moves to the free plan. Your data isn’t deleted, and we won’t charge you for the time it was unpaid.

You agree not to:

• Attempt to access another user’s data or account.
• Scrape, resell, or redistribute MYILMEX’s data or analysis at scale — much of it is licensed to us for display to you, not for onward distribution.
• Interfere with or try to disrupt the service, including its security controls, rate limits, and plan limits.
• Use the AI assistant to generate content that is unlawful, or try to make it disregard its safeguards.
• Use MYILMEX for any unlawful purpose.

MYILMEX’s design, code and original written content (including the education material and scoring methodology write-ups) belong to MYILMEX LTD. Underlying market and financial data belongs to its respective providers. Company names, tickers, indices and the names of investors are used only to identify them, and don’t mean any of them endorse MYILMEX. You keep ownership of everything you enter — your transactions, notes and conversations — and you can export it at any time from Settings. See Licences for the fonts and software we use.

You can delete your account at any time from Settings, or through our data request form if you can’t log in. From Settings this is immediate and permanent; the Privacy Policy sets out exactly what it removes. If you’re paying, cancel first so a refund you’re due can be dealt with; deleting your account also stops any further charges.

We may suspend or close an account that seriously or repeatedly breaks these terms. Unless there’s an urgent security or legal reason not to, we’ll tell you why first and give you a chance to put it right, and you’ll be able to export your data. If a paid plan is closed for a reason that isn’t your breach, you’ll be refunded for the unused part.

We’ll provide MYILMEX with reasonable care and skill. We don’t promise that it will always be available, uninterrupted or error-free, or that any data, score, alert or AI output on it is accurate or complete — see §6, §7 and §9.

We are not responsible for losses from investment decisions you make, or for profits you didn’t make. MYILMEX provides information, not advice, and the decision to buy, sell or hold is yours. If MYILMEX itself falls short of reasonable care and skill, your rights under the Consumer Rights Act 2015 apply. We’re also not responsible for losses we couldn’t reasonably have foreseen, losses caused by things outside our reasonable control (such as a data provider’s outage), or business losses — MYILMEX is provided for your personal use.

Nothing in these terms limits or excludes our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for anything else the law doesn’t allow us to limit — and nothing in them affects your statutory rights as a consumer.

If something’s wrong, tell us at amaan@myilmex.onmicrosoft.com and we’ll try to put it right; we aim to reply within ten working days. If we can’t resolve your complaint, we’ll tell you in writing, name an approved alternative dispute resolution provider and say whether we’ll use it. You can always go to court, and Citizens Advice can explain your options for free. For concerns about your personal data you can also go to the Information Commissioner’s Office — see the Privacy Policy.

These terms are governed by the law of England and Wales. You can bring a claim in the courts of England and Wales; if you live in Scotland or Northern Ireland, you can also bring one in the courts there. If any part of these terms turns out to be unenforceable, the rest still applies.

• The waitlist. Joining the waitlist isn’t a subscription and doesn’t commit you to anything. It only means we’ll email you about MYILMEX, and you can unsubscribe at any time.
• Transferring the agreement. We may transfer our rights and obligations to another organisation if that doesn’t reduce your rights, and we’ll tell you if we do. You can’t transfer your account to someone else.
• Nobody else has rights under these terms. They’re between you and us, and no one else can enforce them.
• If we don’t enforce something straight away, we can still do so later.

We may update these terms as MYILMEX evolves, or as the law requires. The date at the top of the page always shows the current version. For a change that materially affects your rights we’ll give signed-in users at least 14 days’ notice before it takes effect; if you don’t accept it, you can close your account before then. See also our Privacy Policy.

Questions about these terms: amaan@myilmex.onmicrosoft.com, or by post to MYILMEX LTD, 14 Derby Road, Stapleford, Nottingham, England, NG9 7AA.