Legal notice and terms of use

Last updated: 6 October 2026

The Spanish version of these terms prevails in case of discrepancy.

1. Who is behind OwlAI

OwlAI (owlai.es) is a free personal project with no commercial activity, run from Spain. For any question, including about these terms or your data, write to contacto@owlai.es.

2. What OwlAI is

OwlAI describes the state of financial markets and the economy every day by comparing a set of public indicators with their own history. It shows how things stand today and what changed versus a week and a month ago. It is free to use and needs no sign-up.

3. Not financial advice

All OwlAI content is general, descriptive information. It is not investment advice, a personal recommendation or an invitation to buy or sell any financial instrument within the meaning of securities-market regulation. OwlAI makes no forecasts: colours and states describe the present against history, and history does not guarantee future results.

Investing involves risk, including the loss of capital. Before making investment decisions, consider your own situation and, if needed, consult an authorised professional.

4. Data accuracy and liability

The data comes from third-party sources (section 6), is processed automatically and may contain errors, delays, revisions or gaps. OwlAI checks its quality every day and shows the warnings it finds, but does not guarantee that the information is accurate, complete or up to date, nor that the site is always available.

To the extent permitted by law, OwlAI is not liable for decisions you make or for any loss arising from the use of the published information.

5. Acceptable use

You may freely browse OwlAI and share links to it. You may not use the site in ways that harm its operation (for example, mass automated downloads) or present its content as financial advice.

6. Data sources and licences

OwlAI uses public data from the following sources, which keep all their rights:

• Federal Reserve Bank of St. Louis (FRED / ALFRED). This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.
• Yahoo Finance: daily quotes of indices, exchange-traded funds, currencies and commodities. Prices belong to their providers.
• Eurostat: © European Union. Reuse authorised with acknowledgement of the source.
• European Central Bank: source: ECB.
• OECD: data under the CC BY 4.0 licence.
• World Bank: World Development Indicators, CC BY 4.0 licence.
• Bank for International Settlements (BIS): central bank policy rates; source: BIS.
• Robert J. Shiller (Yale University): S&P 500 earnings, dividends and CAPE.
• CFTC: Commitments of Traders report.
• Federal Reserve Bank of San Francisco: Daily News Sentiment Index.
• Baker, Bloom and Davis: Economic Policy Uncertainty Index (policyuncertainty.com).
• Natural Earth: map boundaries (public domain).

News headlines are shown as published, linking to each outlet, which owns them. Index names and trademarks mentioned (for example S&P 500, Nasdaq, Dow Jones, Euro Stoxx, Ibex or DAX) belong to their owners; OwlAI is not affiliated with them.

7. Intellectual property

OwlAI's design, original texts and code belong to its author. Third-party data is subject to its own terms.

8. External links

OwlAI links to third-party sites (news outlets, official bodies). It does not control their content or privacy policies.

9. Changes and governing law

These terms may change; the date above shows the latest version. They are governed by Spanish law.