Terms of Service

These Terms of Service ("Terms") form a binding agreement between you and Wealth Vista ("Wealth Vista", "we", "us"). By accessing wealthvista.io, the Wealth Vista application at app.wealthvista.io, or any related tool, you agree to these Terms. If you are agreeing on behalf of a company or firm, you confirm you have authority to bind that organisation. If you do not agree, do not use the services.

Wealth Vista provides software for retirement income planning, decumulation modelling, portfolio tracking and research, estate and legacy planning, the Vista Score readiness assessment, and AI assistance that explains and summarises those plans. Some capabilities, including trading-related automation, may be limited by region, availability of third-party providers, or regulatory status.

You must be at least 18 years old and legally capable of entering a contract. You are responsible for the accuracy of your registration details, for keeping your credentials confidential, and for all activity under your account. Notify us immediately of any unauthorised use. We may refuse, suspend or close accounts at our discretion where these Terms are breached.

Wealth Vista is a software tool. Scores, projections, allocations, checklists, estate templates and AI Assistant output are educational and illustrative. They are not investment advice, a recommendation to buy or sell any security, a solicitation, a tax opinion, or legal advice, and no fiduciary or advisory relationship is created by your use of the services.

Wealth Vista is software, not a fiduciary. Professionals remain responsible for advice delivered to their clients; consumers should consult a certified professional before acting.

Projections rely on assumptions and on the information you provide. Markets, inflation, tax rules and personal circumstances change. Past performance does not indicate future results, and no outcome is guaranteed.

Parts of the service use large language models. AI output can be incomplete, outdated or wrong, and should be reviewed before you act on it. Do not enter information you are not permitted to share. You are responsible for verifying any figure, document or recommendation before relying on it.

You agree not to:

• use the services unlawfully, or in breach of securities, tax or privacy rules that apply to you;
• upload another person's data without a lawful basis and their knowledge;
• reverse engineer, scrape, resell, or create derivative products from the services;
• probe, attack or bypass security or rate limits, or interfere with other users;
• use output to build a competing model or service;
• misrepresent Wealth Vista output as personalised professional advice from us.

If you are an advisor, wealth manager or firm, you remain solely responsible for the advice, plans and recommendations you deliver to your clients, for your own licensing and regulatory compliance, for obtaining client consent to process their data in Wealth Vista, and for supervising any output before it reaches a client. You will indemnify us for claims arising from advice you deliver.

The services may connect to third-party providers such as authentication, market data, custodial or brokerage feeds, calendars and email. Those providers have their own terms, and we are not responsible for their content, accuracy or availability. Where you connect Google services, your use is also governed by Google's terms, and our handling of Google user data follows the Limited Use commitments described in our Privacy Policy.

Paid plans are billed in advance on a recurring monthly or annual basis through our payment processor, and renew automatically until cancelled. Prices displayed on the marketing site are indicative, may vary by region and currency, and can change; the price presented at checkout in the application governs. Taxes may be added where required. Failed payments may result in suspension of paid features.

Free tiers and trials are offered as-is and may be modified or withdrawn. You may cancel at any time from your account; cancellation stops the next renewal and access continues to the end of the paid period. Except where required by law, fees already paid are non-refundable.

You keep ownership of the information, documents and plans you put into Wealth Vista. You grant us a limited licence to host, process and display that content solely to operate and improve the services for you and, where applicable, your firm. We do not sell your data, and we do not use your private financial data to train third-party models. You are responsible for keeping your own copies of anything you need to retain.

Wealth Vista, the Vista Score methodology, the software, models, designs, text and marks on this site are owned by Wealth Vista or its licensors. We grant you a limited, non-exclusive, non-transferable, revocable right to use the services for your own planning or professional practice. All other rights are reserved. Feedback you send us may be used without obligation.

Our handling of personal information is described in the Privacy Policy, which is incorporated into these Terms.

We aim for high availability but do not guarantee uninterrupted service. We may add, change, suspend or discontinue features, and will give reasonable notice of material reductions to paid functionality.

To the maximum extent permitted by law, the services are provided "as is" and "as available", without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that projections will be achieved or that the services will be error-free.

To the maximum extent permitted by law, Wealth Vista is not liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, investment losses, lost data or lost opportunity, arising from your use of the services. Our total aggregate liability for any claim is limited to the amount you paid us in the 12 months before the event giving rise to the claim, or USD 100 if you paid nothing. Nothing in these Terms excludes liability that cannot lawfully be excluded.

You agree to indemnify and hold Wealth Vista harmless from claims, damages and reasonable costs arising from your breach of these Terms, your misuse of the services, your violation of law, or advice you provide to third parties using Wealth Vista output.

You may stop using the services at any time. We may suspend or terminate access for breach of these Terms, suspected fraud, legal requirement, or non-payment. On termination, your right to use the services ends; sections that by nature survive (ownership, disclaimers, liability, indemnity, governing law) continue to apply.

These Terms are governed by the laws of the Province of Ontario, Canada, without regard to conflict-of-law rules, and the courts of Ontario have exclusive jurisdiction, except where mandatory consumer protection law in your country of residence gives you the right to bring proceedings locally. Before filing a claim, please contact us so we can try to resolve the matter informally.

We may update these Terms. Material changes will be posted here and, for account holders, notified by email or in-app before taking effect. Continued use after the effective date means you accept the revised Terms.

Questions about these Terms can be sent through our contact page.