Terms of Service

1. Agreement to Terms

By accessing or using the Vantafin platform, website, and all related services (collectively, the "Service") operated by DTS Analytics LLC ("DTS Analytics", "Company", "we", "us", "our"), you agree to be bound by these Terms of Service ("Terms"). If you are entering into these Terms on behalf of a company or other legal entity, you represent that you have the authority to bind that entity to these Terms, and "you" or "your" refers to that entity.

IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE THE SERVICE.

2. Eligibility

You must be at least 13 years of age (or such higher minimum age as required by the laws of your jurisdiction) to use the Service. By using the Service, you represent and warrant that you meet this requirement and that you have the legal capacity to enter into these Terms.

3. Description of Service

Vantafin provides an online platform for financial research, market analysis, and AI-assisted information retrieval. The Service may include, but is not limited to, AI-powered chat, data visualization, SEC filing analysis, stock screening, watchlists, and related tools.

Vantafin is not a broker-dealer, investment adviser, financial planner, tax adviser, or legal adviser. The Service is a research and informational tool only. See Section 7 for important disclaimers.

4. Accounts

• You must provide accurate, complete, and current information when creating an account.
• You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account.
• You must notify us immediately at [email protected] if you suspect unauthorized access to your account.
• One account per person; accounts may not be shared or transferred.
• Accounts registered or operated by automated means ("bots") are not permitted.

We reserve the right to suspend or terminate any account at our sole discretion, including for violation of these Terms, suspicious activity, or any reason we deem appropriate.

5. Acceptable Use

You agree not to:

• Use the Service for any illegal or unauthorized purpose, or in violation of any applicable law or regulation
• Scrape, crawl, harvest, or systematically download content from the Service by automated means
• Reverse-engineer, decompile, or disassemble any part of the Service
• Interfere with or disrupt the integrity, performance, or security of the Service
• Attempt to gain unauthorized access to any part of the Service, other accounts, or related systems
• Use the Service for market manipulation, fraud, or deceptive practices
• Redistribute, resell, sublicense, or make available any data, content, or AI outputs from the Service to third parties without our prior written consent
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity
• Use the Service to transmit malware, viruses, or other harmful code
• Circumvent any security, authentication, rate-limiting, or access-control mechanisms

6. Payment, Subscriptions, and Cancellation

Certain features of the Service may require a paid subscription. By subscribing to a paid plan:

• You agree to pay all fees associated with your selected plan, including applicable taxes.
• Subscriptions automatically renew at the end of each billing cycle (monthly or annually) unless you cancel before the renewal date.
• You may cancel your subscription at any time through your account settings. Cancellation takes effect at the end of the current billing period; no partial refunds will be issued for unused time.
• We reserve the right to change pricing with 30 days' prior notice. Continued use after a price change constitutes acceptance.
• In the event of account termination for violation of these Terms, no refund will be issued.

Payment processing is handled by third-party providers (e.g., Stripe). Their terms and privacy policies apply to payment transactions.

7. Financial and Market Disclaimers

THE FOLLOWING DISCLAIMERS ARE MATERIAL TO THESE TERMS. PLEASE READ THEM CAREFULLY.

• Not investment advice. Nothing on the Service, including AI-generated content, data visualizations, stock data, financial metrics, analyst opinions, or any other information, constitutes investment advice, financial advice, trading advice, tax advice, legal advice, or any other form of professional advice.
• Not a recommendation. No content on the Service is a recommendation, endorsement, solicitation, or offer to buy, sell, hold, or trade any security, financial instrument, cryptocurrency, or other asset.
• No fiduciary duty. DTS Analytics does not owe you, and does not assume, any fiduciary duty or obligation. No adviser–client, broker–customer, or similar relationship is created by your use of the Service.
• Past performance. Past performance data displayed on the Service does not guarantee or indicate future results.
• Third-party data. Financial data, market data, SEC filings, earnings transcripts, analyst estimates, and other information displayed on the Service may be provided by third-party sources. Such data may be delayed, inaccurate, or incomplete. We do not guarantee its accuracy or timeliness.
• Your responsibility. You are solely responsible for your own investment, financial, and trading decisions and for any tax obligations arising from them. You should consult a qualified and licensed financial professional before making any such decisions.

8. Artificial Intelligence Terms

Vantafin incorporates AI-powered features. Your use of these features is additionally governed by our AI Policy, which is incorporated into these Terms by reference. Key points:

• AI-generated content may be inaccurate, incomplete, outdated, or fabricated ("hallucinations").
• You must independently verify all AI-generated content before relying on it.
• AI outputs do not constitute financial, investment, legal, or professional advice of any kind.
• We provide no warranty regarding the accuracy, reliability, or completeness of AI-generated content.
• Your use of AI features is at your own risk.

9. Intellectual Property

The Service, including its design, code, text, graphics, logos, and all other content (excluding user-submitted content and third-party data), is the property of DTS Analytics LLC and is protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, sell, or create derivative works based on the Service without our express written permission.

By submitting content to the Service (e.g., feedback, suggestions), you grant DTS Analytics a non-exclusive, royalty-free, worldwide, perpetual license to use, modify, and incorporate that content into the Service.

10. Third-Party Services and Data

The Service may integrate with, link to, or rely upon third-party services, APIs, data providers, and websites. These third-party services are governed by their own terms and privacy policies. We are not responsible for the content, accuracy, availability, or practices of any third-party service.

You understand that Vantafin has no affiliation with the U.S. Securities and Exchange Commission (SEC) or any government agency, stock exchange, or regulatory body.

11. Disclaimers of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, DTS ANALYTICS DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, COMPLETENESS, RELIABILITY, NON-INFRINGEMENT, AND UNINTERRUPTED OR ERROR-FREE OPERATION.

We do not warrant that: (i) the Service will meet your specific requirements; (ii) the Service will be uninterrupted, timely, secure, or error-free; (iii) any results or data obtained through the Service will be accurate or reliable; or (iv) any errors in the Service will be corrected.

12. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, DTS ANALYTICS LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES (EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), ARISING FROM OR RELATED TO:

• Your use of, or inability to use, the Service
• Any AI-generated content, including content that is inaccurate or fabricated
• Any financial, investment, or trading losses incurred in connection with the Service
• Any unauthorized access to or alteration of your data
• Any third-party content, services, or data accessed through the Service
• Any other matter relating to the Service

To the extent permitted by law, our total aggregate liability for all claims arising from or related to the Service shall not exceed the greater of (a) the amount you paid to us in the twelve (12) months preceding the claim, or (b) one hundred U.S. dollars (USD $100).

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, the above limitations apply to the fullest extent permitted by law.

13. Indemnification

You agree to indemnify, defend, and hold harmless DTS Analytics LLC, its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from or related to: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; or (d) your violation of any third-party rights.

14. Dispute Resolution and Governing Law

These Terms and your use of the Service are governed by and construed in accordance with the laws of the State of Wyoming, United States, without regard to its conflict of law principles.

Any dispute arising from or relating to these Terms or the Service shall first be attempted to be resolved through good-faith negotiation. If the dispute cannot be resolved informally within thirty (30) days, either party may pursue resolution through binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, with the arbitration taking place in Sheridan County, Wyoming.

Class action waiver: You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. If this waiver is found to be unenforceable, the entirety of this arbitration provision shall be null and void.

Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement of intellectual property rights.

15. Termination

We may suspend or terminate your access to the Service at any time, with or without cause, with or without notice, at our sole discretion. You may terminate your account at any time by contacting us or using the account settings.

Upon termination, the following provisions survive: Sections 7 (Financial Disclaimers), 8 (AI Terms), 9 (Intellectual Property), 11 (Disclaimers), 12 (Limitation of Liability), 13 (Indemnification), and 14 (Dispute Resolution).

16. Modifications to the Service

We reserve the right to modify, suspend, or discontinue the Service (or any part thereof) at any time, temporarily or permanently, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Service.

17. Changes to These Terms

We may revise these Terms from time to time. When we make material changes, we will update the "Last Updated" date at the top and, where appropriate, provide additional notice. Your continued use of the Service after the effective date of revised Terms constitutes your acceptance of those revisions. If you do not agree to the revised Terms, you must stop using the Service.

18. General Provisions

• Entire agreement: These Terms, together with our Privacy Policy and AI Policy, constitute the entire agreement between you and DTS Analytics regarding the Service.
• Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.
• No waiver: Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.
• Assignment: You may not assign or transfer these Terms without our prior written consent. We may assign our rights and obligations without restriction.

19. Contact Us

If you have questions about these Terms, please contact us at: