Terms and Conditions

Last Updated: September 28, 2026

PLEASE READ THESE TERMS AND CONDITIONS (“TERMS”) CAREFULLY BEFORE USING THE VESTWEALTHY WEBSITE, APIS, OR ASSOCIATED SERVICES. BY CREATING AN ACCOUNT, CHECKING THE ACCORDING BOX AT SIGN-UP, OR ACCESSING THE SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS AND ALL APPLICABLE LAWS AND REGULATIONS. IF YOU DO NOT AGREE, DO NOT ACCESS OR USE THE SERVICES.

The agreement you accepted when you created an account

Creating a VestWealthy account required ticking an unchecked box. The text of that agreement is reproduced below exactly as it was shown at sign-up, so the terms you are held to are never something you have to take on trust.

I have read and agree to the Terms of Service, Privacy Policy, and Financial Disclaimer, and I confirm I am at least 18 years old. I understand that VestWealthy does not provide investment advice.

Email is part of the service you are signing up for. Creating an account means we will write to you: security and account notices, messages from the VestWealthy team about your account — including warnings, suspensions and closure — and, where you have ticked the optional box, product updates and market commentary. Account notices are required correspondence and cannot be switched off, because switching them off would mean not telling you that your own access changed.

Stopping it. There is no unsubscribe link in our email, on purpose: email goes to you because the account exists, and the value of the account is the email, so the honest control for “stop emailing me” is “stop having an account”. Choose Withdraw Membership on your account screen. That deletes your account and the data attached to it, and stops this email at the same time. Section 7 describes exactly what that removes and the two narrow categories of record that survive it. Nothing on this page limits your right to ask us to delete your data — see the Privacy Policy.

Every legal page on this site

• Terms and Conditions — last updated September 28, 2026. The rules for using VestWealthy, including acceptable use, AI output, community posts, and the limitation of liability.
• Privacy Policy — last updated September 28, 2026. What we collect, what we deliberately do not collect, who processes it, and how to have your account and data deleted.
• Legal Statement & Financial Disclaimer — last updated September 28, 2026. The investment-risk disclosure, and what it means for AI answers, sentiment scores and model output. Read this before treating anything on the site as a signal.
• Cookie & Local Storage Policy — last updated September 28, 2026. The six authentication cookies, the browser storage that is not a cookie, and how to clear both. What each one is for and where advertising cookies come from.

These documents are published here in full. If any summary elsewhere on the site — including anything the Ask AI panel says — differs from the text on these pages, the text on these pages is the one that applies.

1. Eligibility and Account Registration

• 1.1 Age Requirement. The Services are intended solely for users who are eighteen (18) years of age or older. By registering an account, you represent and warrant that you are at least 18 years old. VestWealthy, Inc. (“Company,” “we,” “us,” or “our”) does not knowingly collect data from or market to individuals under 18.
• 1.2 Account Accuracy & Security. You agree to provide accurate, current, and complete information during registration and to update such information as necessary. You are solely responsible for maintaining the confidentiality of your credentials. Any actions, access, or activity under your account credentials will be deemed your authorized activity.
• 1.3 Restrictions. Accounts are strictly individual. You shall not create accounts using automated means, engage in bulk registration, or transfer, sell, or assign your account to any third party.

2. Legal Disclaimer & No Financial Advice

• 2.1 Informational & Educational Purposes Only. ALL CONTENT, DATA, ANALYTICS, TOOLS, AND AI OUTPUT PROVIDED ON OR THROUGH THE SERVICES ARE FOR INFORMATIONAL, EDUCATIONAL, AND ENTERTAINMENT PURPOSES ONLY AND DO NOT CONSTITUTE FINANCIAL, INVESTMENT, LEGAL, OR TAX ADVICE.
• 2.2 No Solicitations or Recommendations. Nothing contained on the platform constitutes a solicitation, recommendation, endorsement, or offer by the Company or any third party to buy, sell, or hold any security, cryptocurrency, derivative, or financial instrument.
• 2.3 No Fiduciary Duties. The Company is not a registered investment advisor, broker-dealer, financial planner, or commodities broker under federal or state laws (including the U.S. Investment Advisers Act of 1940). No fiduciary, professional, or confidential relationship is established between you and the Company through your use of the Services.
• 2.4 Execution Exclusions. The Company does not execute trades, route orders, facilitate clearing, hold funds, or manage customer positions.
• 2.5 Investment Risk. Trading and investing in financial markets involve substantial risk of loss, including the complete loss of principal. You are solely responsible for evaluating the merits and risks associated with any financial decisions. You should consult a licensed financial professional prior to making any investments.

3. Market Data, Model Outputs, and Calculated Metrics

• 3.1 Third-Party Data Sources. Market data, quotes, news feeds, sentiment indexes, and analytics are aggregated from third-party data vendors. We do not independently verify, audit, or guarantee the timeliness, accuracy, sequence, or completeness of such data. The providers currently in use are listed on the Data Sources page.
• 3.2 Calculated Figures & Model Outputs. Certain metrics displayed — including regime scores, outlook projections, confidence percentages, sentiment aggregations, and model allocations — are mechanical outputs generated by proprietary or pre-defined algorithms applied to third-party data inputs.
• 3.3 No Forecast Guarantees. Model metrics or confidence percentages do not represent probabilities of financial gain, target return guarantees, or predictive signals.
• 3.4 Omissions & System Errors. Metrics that cannot be computed due to vendor failure or data loss will display as “n/a” or “unrated.” The Company is not responsible for delayed, missing, inaccurate, or incomplete vendor data.

4. Generative AI Tools (“Ask VestWealthy AI”)

• 4.1 Automated LLM Output. The chat assistant and AI features use automated third-party Large Language Models (“LLM”) and third-party routing infrastructure. AI-generated responses are not reviewed or vetted by human personnel prior to display, and the model serving a given question may differ from one question to the next.
• 4.2 Risk of Hallucinations and Errors. AI outputs may produce inaccurate statements, miscalculate figures, hallucinate non-existent financial entities, or misinterpret data inputs. AI outputs must never be relied upon as financial advice or fact.
• 4.3 Data Transmission & Privacy. By using AI features, you acknowledge and consent to the transmission of your prompt text, immediate conversation context, and site state data to third-party AI processing partners. DO NOT SUBMIT PERSONAL IDENTIFYING INFORMATION, BANK ACCOUNT NUMBERS, SOCIAL SECURITY NUMBERS, OR PORTFOLIO POSITIONS INTO THE AI PROMPT. Section 2.3 of the Privacy Policy describes this transmission in full.
• 4.4 “AS IS” Exclusion. Generative AI features are provided strictly “AS IS” and “AS AVAILABLE” without warranties of any kind.

5. Community Content & User Conduct

• 5.1 Unmoderated User Content. The Community Hub and discussion boards display content generated by independent users and aggregated third-party feeds. The Company does not pre-screen, endorse, verify, or adopt user submissions.
• 5.2 User Responsibility. You are strictly liable for any text, links, or media you post. You warrant that you own or possess the legal rights to distribute such content and that your submissions do not violate third-party IP rights, privacy laws, or securities regulations (including prohibition of stock manipulation, “pump and dump” schemes, or misleading statements).
• 5.3 Local Device Storage. Posts created locally on your device or browser are maintained outside Company servers. The Company assumes no obligation to store, backup, or recover locally held user data.

6. Intellectual Property Rights & Acceptable Use

• 6.1 Ownership. All software, algorithms, source code, visual interfaces, graphics, logos, trade secrets, and original content are the exclusive property of VestWealthy, Inc. or its licensors.
• 6.2 Prohibited Activities. You agree NOT to:
  • Use web scrapers, bots, crawlers, or automated scripts to extract data from the platform.
  • Reverse engineer, decompile, frame, or mirror any part of the Services.
  • Use platform content or output to train, test, or fine-tune artificial intelligence models or machine learning datasets without express written authorization.
  • Circumvent rate limits, IP blocks, authentication barriers, or security mechanisms.
  • Resell, redistribute, or build competing commercial APIs using data provided on the platform.

7. Suspension, Termination, and Data Retention

• 7.1 Termination by User. You may terminate your account at any time via the “Withdraw Membership” option in your account settings.
• 7.2 Termination by Company. We reserve the right to suspend or terminate your account or revoke access to the Services immediately, with or without prior notice, for conduct violating these Terms or applicable law.
• 7.3 Data Retention. Upon account deletion, personal account credentials, watchlists, and session data will be permanently purged, subject to retention of:
  • Anonymized system logs and rate-limiting counters (hashed IP addresses/UTC timestamps).
  • Administrative and public announcement authorship records required for compliance and legal accountability.

8. Limitation of Liability and Disclaimers

• 8.1 WARRANTY DISCLAIMER. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
• 8.2 LIMITATION OF LIABILITY. TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL VESTWEALTHY, INC., ITS DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES, AGENTS, OR DATA PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, TRADING LOSSES, LOSS OF DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:
  • YOUR USE OF OR INABILITY TO USE THE SERVICES;
  • INACCURACIES, DELAYS, ERRORS, OR OMISSIONS IN MARKET DATA OR AI OUTPUTS;
  • UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR DATA;
  • STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SERVICE.
• 8.3 MONETARY LIABILITY CAP. IN NO EVENT SHALL THE TOTAL AGGREGATE LIABILITY OF THE COMPANY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE USE OF THE SERVICES EXCEED THE GREATER OF (A) $100.00 USD OR (B) THE TOTAL AMOUNT PAID BY YOU TO THE COMPANY IN THE TWELVE (12) MONTHS PRIOR TO THE CLAIM.

Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot lawfully be excluded.

9. Indemnification

You agree to defend, indemnify, and hold harmless VestWealthy, Inc., its subsidiaries, affiliates, officers, directors, employees, and data licensors from and against any claims, liabilities, damages, judgments, losses, costs, or expenses (including reasonable attorneys’ fees) arising out of or relating to: (i) your violation of these Terms; (ii) your misuse of the Services; (iii) any content posted by you; or (iv) your violation of any third-party right, including copyright, property, or privacy rights.

10. DMCA Copyright Takedown Notice

Pursuant to the Digital Millennium Copyright Act (17 U.S.C. § 512(c)), if you believe content hosted on our platform infringes your copyright, submit a written notification to our Designated Copyright Agent at legal@vestwealthy.com containing:

1. A physical or electronic signature of a person authorized to act on behalf of the copyright owner;
2. Identification of the copyrighted work claimed to have been infringed;
3. Identification of the material claimed to be infringing and its location (URL);
4. Your contact information (address, telephone number, email);
5. A statement that you have a good-faith belief that the use of the material is not authorized by the copyright owner, its agent, or the law; and
6. A statement, made under penalty of perjury, that the information in the notification is accurate and that you are authorized to act on behalf of the owner.

We will review complete notices and act on them. We are not obliged to process an incomplete notice, and we may contact you for the missing detail.

11. Dispute Resolution, Mandatory Arbitration, and Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

• 11.1 Informal Dispute Resolution. Prior to initiating any legal proceeding, you agree to contact us at legal@vestwealthy.com to attempt to resolve any dispute, claim, or controversy informally.
• 11.2 Binding Arbitration. Any unresolved dispute, claim, or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation, or validity thereof shall be determined by binding arbitration in Wilmington, Delaware, before a single arbitrator administered by the American Arbitration Association (“AAA”) under its Commercial Arbitration Rules.
• 11.3 CLASS ACTION WAIVER. YOU AND THE COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING.

12. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law principles. To the extent court proceedings are permitted, you agree to submit to the exclusive jurisdiction of the state and federal courts located in Newcastle County, Delaware.

13. General Provisions

• 13.1 Severability. If any provision of these Terms is found unenforceable, that provision will be severed, and the remaining provisions will remain in full force and effect.
• 13.2 Modifications. We reserve the right to amend these Terms at any time. Material changes will be communicated via in-app notices or updated revision dates. Continued use of the Services following an update constitutes acceptance of the modified Terms. The version you agreed to is recorded against your account with the date and the IP address the acceptance came from.
• 13.3 Entire Agreement. These Terms, alongside the Privacy Policy, Legal Statement & Financial Disclaimer, and Cookie Policy, constitute the entire agreement between you and VestWealthy, Inc.

Contact Information

Each address below exists for a different kind of message. Sending a copyright notice to the support desk is the most common way for one to go unanswered, so they are kept separate deliberately.

• Support: support@vestwealthy.com — Product questions, bug reports and account help.
• Legal: legal@vestwealthy.com — Privacy requests, data deletion, copyright and takedown notices, and questions about these documents.
• Partnerships: partners@vestwealthy.com — Data licensing, integrations and press.