Terms of Use

Last Updated: November 2025 | Status: Draft - Requires Legal Review

⚠️ CRITICAL DISCLAIMER

This Platform provides AI-powered investment insights for informational and educational purposes only. This is NOT personalized investment advice, NOT a recommendation to buy or sell securities, and NOT financial planning advice. As a professional adviser using this platform, you are responsible for your advice to clients and for ensuring they understand investment risks. Clients should only invest money they can afford to lose. Past performance does NOT guarantee future results. Investments carry risk of loss, including potential loss of principal.

1. Acceptance of Terms

By accessing or using the AI Investment Platform ("Platform", "Service", "we", "us"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, you may not use the Service.

2. Description of Service

The AI Investment Platform provides:

  • AI-powered investment insights and analysis
  • Stock recommendations (BUY/HOLD/SELL verdicts)
  • Market sentiment analysis
  • Portfolio tracking tools
  • Investment research and analytics

Important: This Service provides informational insights only and does NOT constitute personalized investment advice.

3. Eligibility

3.1 Age Requirement

You must be 18 years or older to use this Service.

3.2 Account Requirements

  • You must provide accurate and complete information when creating an account
  • You are responsible for maintaining the security of your account
  • You must notify us immediately of any unauthorized access
  • One account per person (no sharing accounts)

4. IMPORTANT DISCLAIMERS

4.1 NOT Investment Advice

This Platform provides AI-powered investment insights for informational and educational purposes only. This is NOT personalized investment advice, NOT a recommendation to buy or sell securities, and NOT financial planning advice.

You acknowledge that:

  • All recommendations are based on algorithmic analysis of publicly available data
  • Recommendations are NOT tailored to individual client circumstances
  • As a professional adviser, you are responsible for your advice to clients
  • You are responsible for ensuring clients understand investment risks
  • Clients should only invest money they can afford to lose
  • Past performance does NOT guarantee future results
  • Investments carry risk of loss, including potential loss of principal

4.2 No Guarantees

We make NO guarantees regarding:

  • Accuracy of recommendations or insights
  • Investment performance or returns
  • Suitability of recommendations for your situation
  • Availability or uptime of the Service
  • Results from using the Service

4.3 No Liability for Investment Losses

You agree that:

  • We are NOT liable for any investment losses you may incur
  • We are NOT responsible for investment decisions you make based on our insights
  • You use the Service at your own risk
  • You are solely responsible for your investment decisions

5. User Responsibilities

5.1 Account Security

You are responsible for:

  • Maintaining the confidentiality of your account credentials
  • All activities that occur under your account
  • Notifying us immediately of unauthorized access
  • Using strong passwords and enabling two-factor authentication (if available)

5.2 Acceptable Use

You agree to use the Service only for lawful purposes and in accordance with these Terms.

You agree NOT to:

  • Violate any applicable laws or regulations
  • Infringe on intellectual property rights
  • Transmit viruses, malware, or harmful code
  • Attempt to gain unauthorized access to the Service
  • Reverse engineer or decompile the Service
  • Use automated systems (bots, scrapers) without permission
  • Interfere with or disrupt the Service
  • Use the Service to provide investment advice to others
  • Resell or redistribute Service content without permission

10. Limitation of Liability

To the maximum extent permitted by law, we are NOT liable for:

  • Investment losses or financial damages
  • Loss of data or content
  • Service interruptions or unavailability
  • Errors or inaccuracies in recommendations
  • Indirect, incidental, or consequential damages

Our total liability (if any) is limited to the amount you paid for the Service in the 12 months preceding the claim.

12. Termination

12.1 By You

You may terminate your account at any time by deleting your account in settings or contacting us.

12.2 By Us

We may suspend or terminate your account if you violate these Terms, engage in fraudulent activity, or fail to pay subscription fees.

13. Dispute Resolution

These Terms are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

15. Contact Information

Company: VIBHA TECHNOLOGY LIMITED
Email: info@vibhatech.com
Registered Address: Regus Building, Central Boulevard, Blythe Valley Park, Solihull B90 8AG
Company Registration Number: 07589393

16. Acknowledgment

By using the Service, you acknowledge that:

  • ✅ You have read and understood these Terms
  • ✅ You agree to be bound by these Terms
  • ✅ You understand that the Service provides informational insights only
  • ✅ You are responsible for your own investment decisions
  • ✅ You will ensure your advice to clients is appropriate and that clients understand the risks

Note: These Terms are a draft and require review by qualified legal counsel before publication. They should be customized with specific company information, contact details, and jurisdiction-specific requirements.

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Important Information

⚠️ This platform provides investment research tools and analytics for informational purposes only. This is NOT personalized investment advice, NOT a recommendation to buy or sell securities, and NOT financial planning advice.

All outputs are based on quantitative models and imported market data and are not tailored to any individual client's financial situation, risk tolerance, or investment objectives. As a qualified advisor, you are responsible for conducting your own due diligence and making appropriate recommendations to your clients based on their specific circumstances.

Where any AI or machine learning components are used (for example in experimental features), their outputs are likewise informational only and must not be treated as a substitute for your professional judgment.

Risk Warning

Investments carry risk of loss. The value of investments can go down as well as up, and investors may not get back the amount they invested. Past performance is not a reliable indicator of future results. As a professional adviser using this platform, you are responsible for your advice to clients and for ensuring they understand these risks. Clients should only invest money they can afford to lose.

When using this platform to inform client recommendations, you should:

  • Conduct your own due diligence and analysis
  • Consider each client's specific financial situation, risk tolerance, and investment objectives
  • Understand the risks associated with recommended investments
  • Ensure compliance with FCA regulations and your firm's compliance policies
  • Maintain appropriate documentation and audit trails for client recommendations

Regulatory Status

VIBHA TECHNOLOGY LIMITED is not authorized or regulated by the Financial Conduct Authority (FCA). We operate as an information and analytics service provider, not as a regulated financial advisor or investment manager.

We do not:

  • Provide personalized investment advice to end clients
  • Execute trades or manage portfolios on behalf of advisors or their clients
  • Hold client funds or securities
  • Provide regulated financial services
  • Replace the professional judgment of qualified financial advisors

Data and Accuracy

While we strive to provide accurate and up-to-date information, we make no representations or warranties regarding the accuracy, completeness, or reliability of any data, analysis, or outputs. All information is provided "as is" without warranty of any kind.

Core data is sourced from licensed third-party market-data providers (currently primarily EODHD for fundamentals, quotes, and historical data) and may be subject to delays, errors, or omissions. We are not responsible for any losses or damages arising from reliance on this information.

Limitation of Liability

To the maximum extent permitted by law, VIBHA TECHNOLOGY LIMITED and its affiliates, officers, directors, employees, and agents shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to investment losses, arising from your use of this platform or reliance on any information, analysis, or recommendations provided.

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© 2026 VIBHA TECHNOLOGY LIMITED. All rights reserved.

Not authorized or regulated by the Financial Conduct Authority (FCA).

Registered in England and Wales | Company Registration Number: 07589393

Registered Address: Regus Building, Central Boulevard, Blythe Valley Park, Solihull B90 8AG

Contact: info@vibhatech.com