Terms of Service

These Terms of Service ("Terms") govern your access to and use of VantageGrid.pro, including our websites, dashboards, analytics, AI coaching tools, integrations, APIs, and related digital services (the "Service"). The Service is operated by Vantix Wealth Labs B.V. ("VantageGrid", "we", "us", or "our"). By creating an account, using the Service, or starting a paid subscription, you agree to these Terms.

1. Business Identity and Contact Details

1. Legal entity: Vantix Wealth Labs B.V..
2. Trading name: VantageGrid.
3. Registered office: Netherlands. Full registered address pending publication in production configuration.
4. Chamber of Commerce number: pending production configuration.
5. VAT ID: pending production configuration.
6. Support email: support@vantagegrid.pro.

2. Eligibility and Account Registration

1. You must be at least 18 years old and legally able to enter into these Terms.
2. You must provide accurate account information and keep your email address current.
3. You are responsible for safeguarding your password, API keys, webhook URLs, broker credentials, and devices.
4. You are responsible for all activity under your account unless caused by our proven breach of these Terms or applicable law.

3. No Financial Advice

1. VantageGrid provides analytical tools, journaling workflows, statistical calculations, dashboards, AI summaries, and educational insights.
2. The Service does not provide financial, investment, trading, legal, tax, accounting, or brokerage advice.
3. AI insights, coaching prompts, win-rate statistics, drawdown metrics, Kelly Criterion, Risk-of-Ruin calculations, and similar outputs are for educational and informational purposes only.
4. You are 100% responsible for your own trades, position sizing, risk decisions, account selection, broker use, and financial outcomes.
5. You should verify all information independently and consult qualified professionals before making financial, legal, or tax decisions.

4. Prop Firm Responsibility

1. You are solely responsible for understanding and complying with the rules of your broker, exchange, funded account provider, evaluation program, or proprietary trading firm.
2. VantageGrid is not responsible for failed challenges, breached accounts, trailing drawdown violations, daily loss limit violations, consistency rule violations, denied payouts, or account closures.
3. Any prop-firm related indicators, limits, alerts, or dashboards are convenience tools only. They do not replace the official rules, dashboards, statements, or decisions of your prop firm.

5. No Profit Guarantees and Prop Firm Guardian Disclaimer

1. VantageGrid does not guarantee profits, payouts, funded account approval, challenge completion, rule compliance, or any trading outcome.
2. The Prop Firm Guardian is a monitoring and alerting tool only. It may be delayed, inaccurate, incomplete, unavailable, or affected by user-entered data, broker data, integration errors, software defects, time zone differences, or third-party outages.
3. You remain solely responsible for verifying all prop firm rules, limits, balances, drawdown calculations, trading activity, and account status using your prop firm's official systems before making trading decisions.

6. AI and Data Accuracy

1. Analytics and AI outputs depend on the data you import, connect, or manually enter. Incorrect, incomplete, duplicated, delayed, or mismapped data may produce incorrect results.
2. Calculations based on historical trade data do not predict or guarantee future performance.
3. Backtests, simulations, expectancy, Kelly Criterion, Risk-of-Ruin, drawdown projections, and AI coaching responses are probabilistic estimates, not promises.
4. You must review critical figures before relying on them, especially where broker statements, tax filings, funded account rules, or live trade decisions are involved.

7. Subscriptions, Payments, Cancellation, and Withdrawal

1. Paid plans are billed through Stripe. By starting a paid plan, you authorize Stripe and VantageGrid to charge the selected payment method for recurring subscription fees, taxes, and applicable charges.
2. Subscriptions renew automatically until cancelled. You can cancel through the billing portal or another cancellation method we make available.
3. Cancellation stops future renewal charges but does not automatically refund current billing periods.
4. Because VantageGrid is a digital SaaS service delivered immediately after purchase, fees are non-refundable except where required by mandatory consumer law or expressly approved by us.
5. If you are an EU consumer, you may have a 14-day withdrawal right for distance contracts. When the checkout flow asks for immediate access, you must expressly request immediate digital delivery and acknowledge that full performance may waive the withdrawal right where permitted by law.
6. We may change prices or plan features. Material changes will be communicated in advance where required by law.
7. If payment fails, we may limit, suspend, or downgrade access until payment is resolved.

8. Acceptable Use

1. You may not reverse-engineer, decompile, scrape, crawl, copy, resell, sublicense, or build a competing service from the Service except where such restriction is prohibited by law.
2. You may not abuse AI credits, tokens, rate limits, free trials, referral systems, webhooks, integrations, or automation features.
3. You may not attempt unauthorized access, probe infrastructure, bypass authentication, interfere with availability, upload malware, or misuse other users' data.
4. You may not use the Service for unlawful, fraudulent, deceptive, market-abusive, or sanction-violating activity.
5. We may suspend or terminate accounts that violate these rules or create security, legal, operational, or reputational risk.

9. User Data, API Keys, and Privacy

1. You retain ownership of your trade data, notes, screenshots, imports, and account content.
2. You grant us a limited right to process that data as needed to operate, secure, improve, and support the Service.
3. We do not sell your personal data or trade data.
4. Where the Service stores broker credentials, API keys, or integration secrets, we use encryption and access controls designed to protect them.
5. Our handling of personal data is described in the Privacy Policy, which forms part of these Terms. Business customers may use our Data Processing Agreement template when VantageGrid processes personal data on their behalf.

10. Platform Availability and Changes

1. We aim to keep VantageGrid reliable, but the Service may be unavailable due to maintenance, incidents, third-party outages, network issues, software defects, or events outside our control.
2. We may add, change, suspend, or discontinue features, integrations, AI models, data providers, or plan limits.
3. We are not responsible for losses caused by downtime, delayed data, unavailable integrations, or third-party service failures.

11. Third-Party Services

1. The Service may integrate with payment processors, AI providers, brokers, exchanges, data vendors, email providers, and analytics infrastructure.
2. Third-party services are governed by their own terms and policies. We are not responsible for their acts, omissions, data accuracy, availability, or policy decisions.

12. Limitation of Liability

1. To the maximum extent permitted by law, VantageGrid and its directors, employees, contractors, and affiliates are not liable for trading losses, lost profits, lost revenue, lost opportunity, account breaches, failed challenges, tax consequences, data loss, downtime, indirect damages, special damages, consequential damages, or punitive damages.
2. To the maximum extent permitted by law, our total liability for any claim relating to the Service is limited to the amount you paid to VantageGrid in the three months before the event giving rise to the claim.
3. Nothing in these Terms excludes liability that cannot be excluded under applicable law, including liability for intent, gross negligence where legally non-excludable, or mandatory consumer rights.

13. Indemnity

To the maximum extent permitted by law, you agree to indemnify and hold VantageGrid harmless from claims, damages, penalties, losses, and expenses arising from your trades, account use, violation of these Terms, misuse of the Service, infringement of third-party rights, or violation of broker, exchange, prop-firm, tax, or legal obligations.

14. Termination

1. You may stop using the Service at any time and may request account deletion as described in the Privacy Policy.
2. We may suspend or terminate access if you breach these Terms, create risk, fail to pay, or use the Service in a way that may harm VantageGrid, other users, or third parties.
3. Sections intended to survive termination, including disclaimers, payment obligations, limitation of liability, indemnity, and dispute provisions, will survive.

15. Governing Law and Disputes

These Terms are governed by the laws of the Netherlands, unless mandatory consumer protection law provides otherwise. Courts in the Netherlands will have jurisdiction, subject to mandatory rights you may have in your country of residence.

16. Changes to These Terms

We may update these Terms from time to time. Material changes will be communicated by email, in-app notice, or a prominent website notice where appropriate. Continued use of the Service after the effective date means you accept the updated Terms.

17. Contact

Questions about these Terms can be sent to support@vantagegrid.pro.