Terms of Use

1. General Provisions & Acceptance

These Terms of Use ("Terms") govern your use of Audit, a digital trading analytics and journaling application developed, owned, and operated by Vylestack ("we," "us," or "our"). These Terms constitute a legally binding agreement between you ("User," "you") and Vylestack.

Your access to and use of the Services is conditioned entirely on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users, and others who access or use the Service.

2. Nature of the Service & Non-Financial Advice

AUDIT IS STRICTLY AN ANALYTICS AND JOURNALING TOOL. WE ARE NOT A BROKER-DEALER, FINANCIAL ADVISOR, INVESTMENT ADVISOR, OR TAX ADVISOR.

The AI-generated insights, statistics, behavioral analyses, and historical data provided through our platform are designed solely for educational, informational, and self-reflection purposes. Under no circumstances should any output from the Audit platform be construed as financial advice, a recommendation to buy or sell securities, or an endorsement of any specific trading strategy.

Trading in financial markets—including equities, forex, derivatives, and cryptocurrencies—carries a substantial risk of total capital loss. You alone assume full responsibility for any and all trading decisions you make, whether or not those decisions were influenced by insights derived from our platform.

3. User Accounts & Security

To access the features of our platform, you are required to register for an account. By creating an account, you agree to:

• Provide accurate, current, and complete information during the registration process.
• Maintain the absolute security and confidentiality of your password and account credentials.
• Promptly notify us of any unauthorized access, breach of security, or suspected compromise of your account.

You are fully responsible for all activities that occur under your account. Vylestack will not be held liable for any loss or damage arising from your failure to comply with these security obligations.

4. Subscriptions, Payments & Cancellations

Certain premium features of Audit are offered on a subscription basis ("Pro Plan"). By selecting a premium tier, you agree to pay Vylestack the recurring subscription fees indicated at the time of purchase.

4.1 Billing Cycle

Subscriptions are billed in advance on a recurring monthly or annual basis, depending on your selection. Unless you cancel your subscription before your billing date, you authorize us to charge the subscription fee to the payment method on file.

4.2 Refunds & Cancellations

Due to the digital nature of the software-as-a-service (SaaS) architecture, all subscription payments are non-refundable unless expressly mandated by statutory consumer protection laws in your jurisdiction. You may cancel your subscription at any time via your billing portal; upon cancellation, you will retain access to premium features until the end of your current paid billing cycle.

5. Intellectual Property Rights

The Service, including its original content, features, graphical user interface, analytical algorithms, source code, and AI methodologies, is and will remain the exclusive property of Vylestack and its licensors.

You retain all ownership rights to the raw trading data you input or import into the platform. By utilizing the platform, you grant us a worldwide, royalty-free, non-exclusive license to host, process, and display this data strictly for the purpose of providing the Service to you.

6. Prohibited Conduct

While using the Audit platform, you explicitly agree NOT to:

• Reverse engineer, decompile, disassemble, or attempt to derive the source code or underlying architecture of the platform.
• Deploy automated scripts, bots, spiders, or scrapers to access, extract, or manipulate data from the platform.
• Use the platform in any manner that could disable, overburden, or impair our infrastructure.
• Attempt to gain unauthorized access to other users' accounts or data.

Violation of these restrictions may result in immediate, permanent termination of your account without a refund, and may subject you to civil or criminal prosecution.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL VYLESTACK, ITS DIRECTORS, EMPLOYEES, PARTNERS, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, TRADING LOSSES, LOSS OF DATA, OR INTANGIBLE LOSSES, RESULTING FROM (I) YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICE; (II) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SERVICE; (III) UNAUTHORIZED ACCESS, USE OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT.

In no event shall our total aggregate liability for all claims related to the Service exceed the total amount of fees you paid to Vylestack over the twelve (12) months preceding the claim.

8. Indemnification

You agree to defend, indemnify, and hold harmless Vylestack and its licensee and licensors, and their employees, contractors, agents, officers, and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney's fees), resulting from or arising out of a) your use and access of the Service, or b) a breach of these Terms.

9. Governing Law & Jurisdiction

These Terms shall be governed and construed in accordance with the laws of the Republic of South Africa, without regard to its conflict of law provisions. Any legal action or proceeding arising out of or relating to these Terms shall be instituted exclusively in the competent courts located within South Africa.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in full effect.

10. Modifications to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Service.

11. Contact Information

If you have any questions about these Terms, please contact our legal team: