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Effective date: February 24, 2022
Last updated: November 2, 2025
1) Overview & Acceptance
These Terms & Conditions (“Terms”) govern every software application, website, and related service offered by Vault Investment Group, LLC (“Vault,” “we,” “us,” or “our”), including any content, features, and in‑app purchases (collectively, the “Apps”). By downloading, installing, accessing, or using any App, you agree to these Terms and our Privacy Policy (https://www.vaultapps.com/legal/privacy-statement). If you do not agree, do not use the Apps.
If you accept on behalf of an organization, you represent you have authority to bind that organization, and “you” includes that entity.
2) Eligibility & Accounts
You must be at least 13 years old (or the equivalent minimum age in your jurisdiction; 16 in the EEA/UK where applicable) and capable of forming a binding contract, or have verifiable parental consent if permitted by law. You’re responsible for your account credentials and for all activity under your account.
3) License to the Apps
We license (do not sell) the Apps to you. Subject to these Terms, we grant you a limited, non‑exclusive, non‑transferable, revocable license to install and use the Apps for your personal or internal business purposes. You may not: (a) copy (except for reasonable backup), modify, translate, or create derivative works; (b) reverse engineer, decompile, or attempt to access source code except as permitted by law; (c) rent, lease, sublicense, sell, assign, or otherwise transfer the Apps; (d) use the Apps to create a competing or substantially similar service; (e) circumvent security or access controls; or (f) remove proprietary notices.
Your use of any app marketplace (e.g., Apple App Store, Google Play) remains subject to that marketplace’s terms.
4) Ownership; Feedback
All right, title, and interest in the Apps and all related content are owned by Vault or our licensors and protected by intellectual‑property laws. If you submit ideas, suggestions, or feedback, you grant Vault a perpetual, irrevocable, worldwide, royalty‑free license to use them without restriction or attribution.
5) User Content (if applicable)
If an App allows posting or uploading content (“User Content”), you grant Vault a worldwide, non‑exclusive, royalty‑free license to host, store, reproduce, adapt, publish, display, perform, and create derivative works of your User Content as reasonably necessary to operate, secure, improve, and promote the Apps. You represent that you own or have all rights to your User Content and that it does not violate law or third‑party rights. We may remove or disable User Content in our discretion.
6) Third‑Party Services & Open‑Source
The Apps may rely on or link to third‑party websites, services, content, or components (including open‑source software). Vault is not responsible for third‑party services and makes no warranties about them. Your use may be subject to separate terms and privacy policies.
7) Purchases, Subscriptions & Trials
Some Apps may offer in‑app purchases, subscriptions, or trials. Prices, features, and billing periods will be disclosed at purchase. If you buy via a platform provider (e.g., Apple or Google), billing and refunds are handled by that provider and governed by its terms. Auto‑renewing subscriptions renew at the then‑current price unless canceled at least 24 hours before the end of the current period. Manage cancellations in your platform account settings; access persists through the paid term.
8) Acceptable Use
You agree not to: (a) break the law, infringe rights, or violate others’ privacy; (b) upload malware or attempt to disrupt or gain unauthorized access to networks, devices, or data; (c) harass, abuse, or harm any person; (d) misrepresent your identity or affiliation; (e) benchmark, scrape, or harvest data except as expressly permitted; (f) use the Apps for high‑risk activities where failure could lead to death, personal injury, or severe environmental or property damage.
9) No Professional Advice
Content (including financial, investment, legal, medical, wellness, or safety information) is for informational purposes only and is not a substitute for professional advice. You assume sole responsibility for how you use any information in the Apps.
10) Changes to the Apps or Terms
We may modify, suspend, or discontinue any App (in whole or in part) at any time. We may update these Terms; the “Last updated” date will change and, where required, we’ll provide notice (e.g., in‑App or on our site). Continued use after changes are effective constitutes acceptance.
11) Disclaimers
TO THE FULLEST EXTENT PERMITTED BY LAW, THE APPS AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITH NO WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, QUIET ENJOYMENT, AND NON‑INFRINGEMENT. WE DO NOT WARRANT THAT THE APPS WILL BE UNINTERRUPTED, SECURE, OR ERROR‑FREE, OR THAT DEFECTS WILL BE CORRECTED.
12) Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, VAULT AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, SUPPLIERS, AND LICENSORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; OR ANY LOSS OF PROFITS, REVENUE, BUSINESS, GOODWILL, OR DATA; ARISING OUT OF OR RELATING TO THE APPS OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY. IN ALL EVENTS, OUR AGGREGATE LIABILITY FOR ALL CLAIMS WILL NOT EXCEED THE GREATER OF (A) USD $100, OR (B) THE AMOUNT YOU PAID DIRECTLY TO VAULT (IF ANY) FOR THE APP GIVING RISE TO THE CLAIM IN THE 12 MONTHS BEFORE THE EVENT FIRST GIVING RISE TO LIABILITY. THESE LIMITATIONS APPLY TO THE MAXIMUM EXTENT PERMITTED BY LAW.
13) Indemnification
You will defend, indemnify, and hold harmless Vault and its affiliates, officers, employees, and agents from and against any third‑party claims, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to: (a) your User Content; (b) your use of the Apps; or (c) your violation of these Terms or applicable law.
14) Termination
We may suspend or terminate your access to any App immediately if we reasonably believe you violated these Terms, create risk or possible legal exposure for Vault, or if required by law. Upon termination, the license in Section 3 ends and you must uninstall/destroy copies of the Apps. Sections that by their nature should survive (including 4–5, 7–13, 16–22 and the Apple Addendum) survive termination.
15) Export & Sanctions
You represent and warrant that you are not located in, and will not export, re‑export, or transfer the Apps to: (a) any country or region subject to comprehensive U.S. embargoes, or (b) any person or entity on U.S. government restricted‑party lists. You will comply with all applicable export, re‑export, and sanctions laws and regulations.
16) Beta, Trial & Pre‑Release Features
We may designate certain features as beta, trial, or pre‑release. Such features may be incomplete or change at any time and are provided as‑is, with no commitments.
17) Electronic Communications; Notices
By using the Apps, you consent to receive communications from us electronically. Notices may be provided by posting in the Apps, on our website, or via email to the address associated with your account.
18) Governing Law; Venue
Except as required by law, these Terms are governed by the laws of Delaware, without regard to conflict‑of‑law rules. Subject to Section 19 (Arbitration), exclusive venue for any court proceeding is the state or federal courts located in Portland, Oregon, and you consent to personal jurisdiction there. The U.N. Convention on Contracts for the International Sale of Goods does not apply.
19) Binding Arbitration; Class‑Action Waiver
PLEASE READ THIS SECTION CAREFULLY. It affects your rights.
a) Arbitration. Any dispute, claim, or controversy arising out of or relating to these Terms or the Apps that is not resolved informally will be resolved by final and binding arbitration administered by JAMS (or AAA, if JAMS unavailable) under its Streamlined (or applicable) Rules by a single arbitrator. The seat of arbitration is Delaware; the language is English. Either party may seek injunctive relief for IP or unauthorized access/misuse in any court of competent jurisdiction.
b) Class/Representative Actions Waiver. You and Vault agree that each may bring claims only in your/its individual capacity, and not as a plaintiff or class member in any purported class, consolidated, or representative action. The arbitrator may not consolidate claims or otherwise preside over any form of a representative or class proceeding.
c) Opt‑Out. You may opt out of this arbitration/class‑action waiver within 30 days of first accepting these Terms by emailing team@vaultapps.com with subject “Arbitration Opt‑Out” and your account details. Opt‑out does not affect prior agreements to arbitrate.
d) Small Claims Court. Either party may bring individual claims in small claims court in Wilmington, DE.
e) Costs/Fees; Confidentiality. Payment of arbitration filing, administration, and arbitrator fees will be governed by the applicable rules. The proceedings and award shall be confidential except as necessary to enforce an award or as required by law.
Consumer notice: If you are in a jurisdiction where arbitration or class‑action waivers are not enforceable for consumers, this Section applies only to the maximum extent permitted by law.
20) Force Majeure
Vault will not be liable for any delay or failure to perform due to events beyond our reasonable control (including natural disasters, labor disputes, internet or utility failures, government action, war, terrorism, pandemics, or civil disturbances).
21) Assignment
You may not assign or transfer these Terms or any rights or obligations hereunder without our prior written consent. We may assign these Terms (in whole or part) without notice, including in connection with a merger, acquisition, corporate reorganization, or asset sale.
22) Miscellaneous
These Terms constitute the entire agreement between you and Vault regarding the Apps and supersede all prior or contemporaneous agreements on the same subject. If any provision is held unenforceable, it will be limited or severed to the minimum extent necessary; the rest remains in effect. No waiver of any term is a waiver of any other term. Section headings are for convenience only. Except as expressly set out in the Apple Addendum (Section A) and Section B below, there are no third‑party beneficiaries.
23) Contact
Vault Investment Group, LLC
Address: 333 SE 2nd Ave., Portland, OR, 97214
Support: team@vaultapps.com