Terms of Service

1. Acceptance of Terms

By downloading, accessing, or using Vaulk72 (the “App”), you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use the App. These terms constitute a legally binding agreement between you and Vaulk72.

2. Description of Service

Vaulk72 is a mobile application that provides stock analysis, watchlist management, and comparison tools. Our service includes:

• Vaulk Assessments: Analysis of publicly traded stocks with a clear outlook rating
• Watchlist tracking: Monitor stocks you're interested in with real-time updates
• Stock comparisons: Side-by-side analysis of two stocks
• Personal Pulse: Curated insights and news summaries
• Premium features: Enhanced analysis and unlimited stock assessments (subscription required)

3. Not Financial Advice

IMPORTANT: Vaulk72 is an informational tool only and does not provide financial, investment, tax, or legal advice. All content, assessments, and analyses are for educational and informational purposes.

• Do not rely solely on Vaulk72 for investment decisions
• Past performance does not guarantee future results
• Investing involves risk, including the possible loss of principal
• Consult a licensed financial advisor before making investment decisions
• Vaulk72 is not a registered investment advisor or broker-dealer

4. User Accounts and Eligibility

• You must be at least 18 years old to create an account
• You must provide accurate and complete information during registration
• You are responsible for maintaining the confidentiality of your account credentials
• You are responsible for all activities that occur under your account
• You must notify us immediately of any unauthorized use of your account
• We reserve the right to suspend or terminate accounts that violate these terms

5. Subscription Plans and Billing

• Free tier: Limited stock assessments and basic features
• Premium subscription: Unlimited assessments, advanced metrics, and priority features
• Subscriptions are billed monthly or annually through Stripe
• Automatic renewal unless canceled before the billing cycle
• You can cancel anytime via the app settings or customer portal
• No refunds for partial months or unused portions of the subscription
• We may change pricing with 30 days notice to existing subscribers

6. Acceptable Use Policy

You agree not to:

• Use the App for any illegal purpose or in violation of any laws
• Attempt to reverse engineer, decompile, or extract source code
• Scrape, data-mine, or extract data from the App via automated means
• Resell, redistribute, or commercially exploit Vaulk72 content
• Create derivative works or competing services based on our App
• Interfere with or disrupt the App's infrastructure or servers
• Use the App to transmit malware, viruses, or harmful code
• Impersonate others or misrepresent your affiliation

7. Intellectual Property Rights

All content, features, and functionality of Vaulk72—including but not limited to text, graphics, logos, analysis algorithms, and software—are owned by Vaulk72 and protected by copyright, trademark, and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to use the App for personal, non-commercial purposes.

8. Data Accuracy and Availability

We strive to provide accurate and up-to-date information, but we do not guarantee:

• The accuracy, completeness, or timeliness of stock data or analyses
• Uninterrupted or error-free service
• That the App will meet your specific requirements
• That defects will be corrected immediately

Market data may be delayed. We rely on third-party data providers and are not responsible for their errors or omissions.

9. Disclaimer of Warranties

THE APP IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE APP WILL BE ERROR-FREE, SECURE, OR FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, VAULK72 SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR INVESTMENT LOSSES, ARISING FROM YOUR USE OF THE APP OR RELIANCE ON ANY INFORMATION PROVIDED. OUR TOTAL LIABILITY TO YOU SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM.

11. Indemnification

You agree to indemnify and hold harmless Vaulk72, its affiliates, and their respective officers, directors, employees, and agents from any claims, losses, damages, liabilities, and expenses (including legal fees) arising from your use of the App, violation of these terms, or infringement of any third-party rights.

12. Termination

We may suspend or terminate your account at any time, with or without notice, for violations of these terms or other reasons at our discretion. Upon termination, your right to use the App ceases immediately. Sections that by their nature should survive termination (including disclaimers, liability limitations, and intellectual property provisions) will remain in effect.

13. Changes to Terms

We reserve the right to modify these Terms of Service at any time. We will notify you of material changes via email or in-app notification. Your continued use of the App after changes take effect constitutes acceptance of the revised terms.

14. Governing Law and Dispute Resolution

These terms are governed by the laws of the United States without regard to conflict of law principles. Any disputes arising from these terms or your use of the App shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive relief in court.

15. Severability

If any provision of these terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

16. Contact Us

For questions about these Terms of Service, please contact us at:

Email: support@vaulk72.com
Legal: legal@vaulk72.com