Terms of Service

VI Stack (“VI Stack”, “we”, “us”, “our”) is a service operated by [FULL LEGAL NAME OF SOLE PROPRIETOR], a sole proprietor (autónomo) registered in Spain, NIF [NIF], with registered address at [REGISTERED ADDRESS, SPAIN](the “Provider”).

These Terms of Service (“Terms”) govern your access to and use of the VI Stack website at vistack.io and any related application, content, or service we provide (collectively, the “Service”).

By creating an account, submitting the waitlist form, or otherwise using the Service, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree to these Terms, do not use the Service.

VI Stack is an AI-powered investing operating system for serious retail value investors. The Service consists of a structured four-block coaching system (Foundation, Hunting Ground, Research Engine, and The Watch), delivered through a web interface, and supported by educational content published in the Knowledge Centre.

The Service is intended for adult individuals (18 years or older) who have or are developing the skills required to evaluate investment opportunities. It is not designed for, marketed to, or appropriate for minors.

The Service may evolve over time. We may add, modify, or remove features at our discretion, including features described in marketing materials. Where a change materially reduces the functionality available to you, we will use reasonable efforts to notify you in advance.

In particular:

• Nothing displayed in the Service, generated by the AI coaching sessions, written in any email we send, or published in the Knowledge Centre is a recommendation, offer, or solicitation to buy, sell, or hold any security, derivative, currency, or other financial instrument.
• The Provider is not authorised as an investment adviser, broker-dealer, or financial intermediary in Spain, the European Union, or any other jurisdiction.
• You are solely and entirely responsible for all investment decisions you make. You should consult a qualified, independent, licensed financial professional before making any investment decision.
• Past performance — whether of an individual security, a market, or any educational example used in the Service — does not guarantee or indicate future results.
• Investing involves substantial risk, including the risk of partial or total loss of capital. You should only invest funds you can afford to lose.
• Market data displayed in the Service is obtained from third-party providers (currently Financial Modeling Prep). We do not guarantee the accuracy, completeness, timeliness, or fitness for any particular purpose of that data.

The coaching sessions and structured outputs in the Service are generated in whole or in part by large language models, currently provided by Anthropic (Claude). AI models can produce inaccurate, incomplete, biased, or otherwise flawed output, and their suggestions may reflect misunderstandings of the underlying facts or your circumstances.

You must evaluate every AI output critically before acting on it. We make no warranty that any AI-generated content is accurate, complete, suitable, or appropriate for your situation.

Any reference within the Service or its materials to investing “archetypes” (for example, “The Compounder”, “The Inverter”, “The Margin Hawk”) describes synthesized investing frames. These archetypes are fictional voices that the AI uses to present recognised value-investing perspectives. They are not endorsed by, affiliated with, or operated on behalf of any real-world investor, fund, or institution.

To use the gated features of the Service, you must create an account. By creating an account, you represent and warrant that:

• You are at least 18 years old.
• All information you provide is accurate, complete, and current, and you will update it as needed.
• You will keep your authentication credentials confidential and will notify us immediately at james@vistack.io if you suspect unauthorised access to your account.
• You are responsible for all activity that occurs under your account.

During the pre-launch phase, sign-up is by invitation only. We reserve the right to refuse, suspend, or terminate any account at our discretion, subject to your rights under Spanish consumer protection law.

You agree NOT to:

• Use the Service in any manner that violates Spanish, EU, or any other applicable law or regulation.
• Use the Service to provide investment advice to third parties as if it were your own (white-labelling), or represent that any AI-generated output is the professional advice of a licensed advisor.
• Attempt to reverse-engineer, decompile, extract, or otherwise discover the system prompts, internal models, or other proprietary methodology underlying the Service.
• Use automated systems (bots, scrapers, crawlers, etc.) to access the Service beyond what is permitted by our robots.txt.
• Probe, scan, or test the vulnerability of the Service, or breach any security or authentication measures.
• Share your account credentials with anyone else, or use another person's account without permission.
• Upload, submit, or otherwise transmit any content that is unlawful, defamatory, infringing, or malicious.
• Interfere with the proper functioning of the Service or the experience of other users.

During the pre-launch phase the Service is offered free of charge to invited users.

When paid plans are introduced, pricing, billing cadence, and refund terms will be published on the pricing page and clearly disclosed at point of purchase. These Terms will be updated accordingly and you will be notified.

As an EU consumer, you have a 14-day right of withdrawal from any purchase under Article 102 of the Spanish General Law for the Defence of Consumers and Users (TRLGDCU). This right may be waived where you have expressly requested immediate access to a digital service and acknowledged that the right of withdrawal will be lost upon commencement of that service.

Our content

All elements of the Service — including the system prompts, coaching methodology, software code, written content in the Knowledge Centre, branding (including “VI Stack”, the wordmark, and the “James Ward” pen name), and the structure of the four-block framework — are the property of the Provider or its licensors and are protected by Spanish and international intellectual property law.

We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Service for your own personal, non-commercial investing education. This licence does not include the right to copy, redistribute, publish, sublicense, sell, or create derivative works from our content.

Your content

You retain all rights in the content you submit to the Service (the messages you send in coaching sessions, your Block 1 outputs, your research notes, your positions, etc.) (“Member Content”).

You grant us a limited, non-exclusive, royalty-free licence to store, process, display, and otherwise use your Member Content solely for the purpose of providing the Service to you. We do not use your Member Content to train AI models, market to third parties, or share with anyone outside the data processors listed in our Privacy Policy.

The Service is provided “as is” and “as available” without warranty of any kind, whether express, implied, statutory, or otherwise, to the maximum extent permitted by applicable law.

In particular, we do not warrant that:

• The Service will be uninterrupted, error-free, or available at any particular time.
• Any content generated by the AI, displayed in the Knowledge Centre, or fetched from third-party data providers will be accurate, complete, current, or appropriate for your situation.
• The Service will produce any specific investment outcome, return, or capital preservation result.
• Defects in the Service will be corrected within any particular timeframe.

Nothing in this section limits any rights you have under Spanish consumer protection law that cannot be waived by contract.

To the maximum extent permitted by applicable law, the Provider, its affiliates, employees, and contractors will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including lost profits, lost data, or loss of investment capital, arising out of or related to your use of, or inability to use, the Service — even if we have been advised of the possibility of such damages.

Where liability cannot lawfully be excluded, our aggregate liability to you for all claims arising in any twelve-month period is limited to the greater of (a) the total fees you paid to us in the preceding twelve months, or (b) one hundred euros (€100).

Nothing in this section limits liability that cannot be limited or excluded under Spanish law, including liability for fraud, gross negligence, or wilful misconduct, or liability under mandatory consumer protection law.

You agree to indemnify and hold harmless the Provider, its affiliates, employees, and contractors from any claim, demand, loss, liability, damage, or expense (including reasonable legal fees) arising out of or related to: (a) your use of the Service in violation of these Terms; (b) your violation of any law or third-party right; or (c) any investment decision you make in reliance on the Service.

You may terminate your account at any time by emailing james@vistack.io or, once available, using the account-deletion control inside the Service.

We may suspend or terminate your access to the Service at any time, with or without notice, if you breach these Terms or use the Service in a manner that risks harm to us, other users, or third parties.

Sections that by their nature should survive termination (including Sections 3, 4, 8, 9, 10, 11, and 13) will survive termination of these Terms.

These Terms are governed by the laws of Spain, without regard to its conflict-of-laws provisions.

Any dispute arising out of or related to these Terms or your use of the Service will be brought exclusively before the competent courts of [CITY OF REGISTRATION, SPAIN], except where Spanish or EU consumer protection law gives you the right to bring proceedings in the courts of your place of domicile.

As an EU consumer, you may also use the European Online Dispute Resolution platform at ec.europa.eu/consumers/odr to attempt resolution of any consumer dispute.

We may update these Terms from time to time. When we make material changes, we will notify you by email (if you have an account) and update the “Last updated” date at the top of this page at least 30 days before they take effect. If you do not agree to the updated Terms, you may close your account before they take effect. Continued use of the Service after the effective date constitutes acceptance of the updated Terms.

Severability. If any provision of these Terms is held unenforceable, the remaining provisions will remain in full force and effect.

No waiver. Our failure to enforce any provision is not a waiver of our right to do so later.

Entire agreement. These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the Service and supersede any prior agreement on the same subject.

Assignment. You may not assign or transfer these Terms without our prior written consent. We may assign these Terms to a successor entity (for example, if the Provider incorporates into a registered company) on notice to you.

Language. These Terms are provided in English. We may at our discretion provide a Spanish translation; in case of inconsistency, the English version prevails, subject to any mandatory rule of Spanish consumer law to the contrary.

For questions about these Terms, contact us at:

[FULL LEGAL NAME OF SOLE PROPRIETOR]
NIF: [NIF]
[REGISTERED ADDRESS, SPAIN]
james@vistack.io