Terms of Service

Please read these Terms carefully. By accessing or using the Services, creating an account, connecting a financial account, starting a trial, purchasing a subscription, or clicking a button or checkbox indicating acceptance, you agree to be bound by these Terms. If you do not agree, you may not access or use the Services.

These Terms include important disclaimers, limitations of liability, and dispute-resolution provisions. They also explain that VSTA is not a bank, broker, investment adviser, tax adviser, law firm, credit counselor, debt adjuster, or financial planner.

1. Eligibility

You must be at least 18 years old and legally able to enter into a binding contract to use the Services. By using the Services, you represent and warrant that you meet these requirements.

The Services are intended for individuals located in the United States. We may restrict access from locations, jurisdictions, or users where access may violate applicable law or create unacceptable legal, regulatory, operational, or security risk.

You may use the Services only for your own personal, household, and non-commercial financial organization purposes unless we expressly agree otherwise in writing.

2. Description of the Services

VSTA provides tools designed to help users understand, organize, and manage their personal financial lives. Depending on the features made available to you, the Services may include:

1. connecting supported financial accounts through third-party data providers;
2. viewing balances, transactions, recurring charges, potential income and spending patterns, and other financial information made available through supported connections;
3. categorizing transactions and identifying patterns;
4. creating budgets, buckets, rules, MoneyPaths, goals, and financial workflows;
5. generating alerts, reminders, summaries, insights, and projections;
6. using AI-powered tools to answer questions, summarize financial activity, explain financial concepts, suggest plans, or help configure features;
7. collaborating with household members, partners, or other invited users if shared features are made available; and
8. accessing other features we may offer from time to time.

The Services are intended to help you organize and understand financial information. Unless a feature is separately and expressly identified as permitting an external action, VSTA does not hold your funds, maintain deposit accounts for you, initiate transfers, execute trades, pay bills, cancel services, prepare tax returns, file forms, or make binding financial decisions on your behalf.

If VSTA later offers payments, transfers, savings or investment accounts, brokerage activity, tax filing, debt negotiation, subscription cancellation, or another regulated or external service, that feature may be subject to separate terms, disclosures, eligibility requirements, partner agreements, and user authorizations.

3. No Professional Advice

VSTA does not provide legal, tax, accounting, investment, insurance, credit, debt, financial planning, or other professional advice.

The Services, including AI-generated responses, insights, projections, alerts, recommendations, examples, explanations, and educational content, are provided for informational and organizational purposes only. They are not a substitute for advice from a qualified professional who understands your individual circumstances.

You are solely responsible for your financial decisions. Before making significant financial, tax, investment, legal, insurance, debt, or credit decisions, you should consult a qualified professional.

Nothing in the Services should be interpreted as:

1. a recommendation to buy, sell, or hold any security or investment;
2. an offer to sell or solicitation of an offer to buy any financial product;
3. tax, legal, accounting, or financial planning advice;
4. a guarantee of any financial outcome;
5. a credit decision, consumer report, or eligibility determination;
6. a fiduciary relationship between you and VSTA; or
7. individualized professional advice.

VSTA is not a bank, broker-dealer, registered investment adviser, tax preparer, law firm, credit repair organization, credit counselor, debt adjuster, consumer reporting agency, lender, loan servicer, insurance producer, or money transmitter, unless a specific regulated service is later offered through proper disclosures and applicable licensing or third-party partners.

4. AI Features

Some Services may use artificial intelligence, machine learning, automation, or large language models to generate responses, insights, summaries, explanations, forecasts, categorizations, recommendations, or suggested actions.

AI outputs may be incomplete, inaccurate, outdated, misleading, or based on incorrect assumptions, incomplete account data, delayed third-party data, user-entered errors, model limitations, or other technical issues. You should not rely solely on AI outputs when making financial, legal, tax, investment, credit, insurance, or other important decisions.

You are responsible for reviewing and verifying AI outputs before relying on them. Reliance on inaccurate output could result in financial loss, missed payments, overdrafts, tax penalties, poor investment decisions, legal consequences, or other harm.

Unless we expressly state otherwise for a specific feature, AI features do not independently execute transactions, move money, file documents, contact financial institutions, cancel subscriptions, open or close accounts, purchase or sell products, or make binding decisions for you. If a feature allows you to authorize an action, you remain responsible for reviewing and approving it.

You may not use AI features to generate unlawful, fraudulent, deceptive, abusive, harmful, or unauthorized content or instructions.

5. Financial Account Connections and Third-Party Data

To use certain features, you may choose to connect checking, savings, credit-card, and other supported financial accounts through third-party providers, including Plaid. Additional account types may be supported if and when those features are made available.

By connecting an account, you authorize VSTA and its third-party providers to access, collect, process, and display information from the accounts you select. Depending on the connection and features used, that information may include institution and account names, account types and subtypes, masked account identifiers, current and available balances, transaction amounts, dates and descriptions, merchant, payee and counterparty information, transaction categories, merchant-location information associated with certain transactions, pending and posted status, potential recurring-transaction or income patterns derived from transaction history, connection status, and other information you expressly authorize the provider to disclose.

You represent and warrant that:

1. you own or are authorized to access each connected account;
2. you have the right to provide all information and authorizations required for the connection;
3. your use of connected account data through the Services does not violate any agreement, law, or third-party right; and
4. the information you provide is accurate, complete, and current.

Financial account data may be delayed, incomplete, inaccurate, duplicated, miscategorized, unavailable, or not reflect your most recent activity. Some institutions may require reauthentication or may stop supporting connections. VSTA is not a real-time account-monitoring service and does not guarantee that connected data will always be available, accurate, complete, or current.

Your official account records are maintained by your financial institutions, not VSTA. You should rely on your bank, card issuer, lender, broker, payroll provider, tax professional, or other official source for final records, balances, payment obligations, tax reporting, and legally binding information.

VSTA is not responsible for errors, delays, failures, interruptions, or inaccuracies caused by financial institutions, third-party data providers, payment processors, app stores if used, cloud providers, AI providers, or other third-party services. Your use of third-party services may also be governed by their own terms, privacy policies, and disclosures.

6. Account Registration and Security

You may need to create an account to use the Services. You agree to provide accurate, complete, and current information and to keep it updated.

You are responsible for maintaining the confidentiality and security of your login credentials, devices, authentication methods, and account access. You are responsible for activity through your account, whether or not authorized by you, except to the extent prohibited by applicable law.

Notify us promptly at hello@vstamoney.com if you believe your account has been compromised, your credentials have been stolen, or unauthorized access has occurred.

We may suspend, restrict, or terminate an account if we believe it has been compromised, used unlawfully, used in violation of these Terms, or used in a way that creates risk to VSTA, users, third parties, or the Services.

7. User Content and User Data

You may provide information, data, text, prompts, rules, goals, categories, notes, preferences, uploaded materials if that feature is made available, feedback, and other content to the Services (“User Content”).

You retain ownership of your User Content. You grant VSTA a non-exclusive, worldwide, royalty-free license to host, store, process, reproduce, display, and otherwise use User Content only as reasonably necessary to provide, secure, maintain, support, personalize, and operate the Services, comply with law, and carry out the practices described in our Privacy Policy. VSTA may use aggregated or deidentified information to analyze, improve, and develop the Services. This license ends when the applicable User Content is deleted from our active systems, except for copies retained as permitted by the Privacy Policy or applicable law.

You represent and warrant that you have all rights necessary to provide User Content and that it does not violate applicable law, these Terms, or any third-party right.

You are responsible for reviewing the accuracy of User Content, including manually entered accounts, balances, bills, subscriptions, rules, categories, goals, and assumptions. Incorrect User Content may produce incorrect insights, alerts, forecasts, recommendations, or AI outputs.

8. MoneyPaths, Rules, Buckets, Alerts, and Automations

VSTA may allow you to create or receive suggestions for MoneyPaths, rules, buckets, goals, alerts, automations, reminders, or workflows.

These features are tools for organizing financial information and planning actions. You are solely responsible for reviewing, configuring, approving, enabling, disabling, and monitoring any rules, alerts, MoneyPaths, or automations.

VSTA does not guarantee that a rule, alert, bucket, forecast, MoneyPath, or automation will be accurate, timely, complete, or suitable for your situation. VSTA is not responsible for overdrafts, missed payments, late fees, insufficient funds, incorrect categorization, tax consequences, investment losses, or other losses resulting from your reliance on these features or from actions you independently take based on them.

If VSTA later offers a feature that initiates or facilitates money movement, bill payment, account opening or closing, investment activity, subscription cancellation, or another external action, the feature will require authorization and may be subject to separate terms. You remain responsible for ensuring that any authorized action is accurate, lawful, and appropriate for your circumstances.

9. Shared Accounts, Household Features, and Invited Users

If VSTA makes shared, household, partner, or collaborative features available, you may be able to invite other users to access certain information, buckets, goals, accounts, transactions, insights, or workflows.

You are responsible for deciding whom to invite and what to share. Invited users may be able to view sensitive financial or personal information depending on the permissions you select and the available features.

VSTA is not responsible for disputes between you and invited users, household members, partners, roommates, family members, financial professionals, or other third parties. You are responsible for removing access when it is no longer appropriate and for ensuring you have the right to share the information.

10. Subscriptions, Billing, Trials, and Cancellation

Some Services may be offered for a fee. Prices, billing intervals, trial terms, included features, automatic-renewal terms, and any material restrictions will be disclosed at purchase or signup. The price displayed at checkout does not include taxes unless stated otherwise.

By purchasing a subscription, you authorize VSTA and its payment processor to charge the payment method you provide for applicable fees, taxes, and renewal charges. If you purchase through an app store or another billing provider, that provider may process the charge and its terms may also apply.

Unless otherwise disclosed, subscriptions automatically renew at the stated billing interval until canceled. You must cancel before the renewal date to avoid the next charge. Cancellation generally takes effect at the end of the current paid billing period, and you may continue using paid features until then, unless we state otherwise or applicable law requires a different result.

You may cancel through the account settings or cancellation method we make available. A subscription purchased through an app store must generally be canceled through that app store. You may also contact hello@vstamoney.com for assistance. Canceling a subscription does not automatically delete your VSTA account or personal information.

Unless required by law or expressly stated in a specific refund policy, fees are non-refundable, and we do not provide refunds or credits for partially used billing periods, unused features, account inactivity, or failure to cancel before renewal.

We may change prices, features, plans, or billing terms. If we change the price of a recurring subscription, we will provide any notice required by law, and the new price will apply no earlier than the next renewal occurring after the notice period. If your payment method fails, we may suspend or limit access to paid features.

11. Acceptable Use

You agree not to use the Services to:

1. violate any law, regulation, contract, or third-party right;
2. access, connect, or submit information for accounts you do not own or are not authorized to access;
3. impersonate another person or misrepresent your identity or authority;
4. interfere with, disrupt, damage, or overload the Services;
5. reverse engineer, decompile, copy, scrape, crawl, or misuse the Services or underlying software, except where applicable law expressly permits it;
6. attempt to gain unauthorized access to VSTA systems, accounts, data, or networks;
7. upload malware, harmful code, or deceptive content;
8. use the Services for fraud, money laundering, illegal financial activity, or unauthorized financial activity;
9. use the Services to make credit, employment, housing, insurance, lending, or other eligibility decisions about another person;
10. resell, sublicense, or commercially exploit the Services without our written permission;
11. use AI features to generate unlawful, deceptive, abusive, or harmful output;
12. remove or obscure proprietary notices; or
13. use the Services in a way that creates legal, security, operational, reputational, or financial risk for VSTA or others.

We may investigate suspected violations and suspend or terminate access where we reasonably believe a violation has occurred.

12. Beta and Early-Access Features

Features that we designate as experimental, pre-release, beta, limited-release, or early access may be incomplete, unstable, inaccurate, unavailable, changed, discontinued, or removed at any time.

Designated beta and early-access features are provided for testing and feedback and may contain errors, bugs, inaccuracies, or data issues. Your use of those features is at your own risk.

We are not obligated to make a beta feature generally available or preserve settings, workflows, or outputs created exclusively through that feature. Retention of core account and financial information remains subject to our Privacy Policy.

13. Intellectual Property

The Services, including software, design, interfaces, graphics, logos, trademarks, text, content, models, workflows, features, and other materials, are owned by VSTA or its licensors and are protected by intellectual property laws.

Subject to these Terms, VSTA grants you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the Services for your own personal, non-commercial purposes.

You may not copy, modify, distribute, sell, lease, sublicense, reverse engineer, create derivative works from, or exploit any part of the Services except as expressly permitted by these Terms or applicable law.

If you provide feedback, ideas, suggestions, or recommendations, you grant VSTA a perpetual, irrevocable, worldwide, royalty-free license to use that feedback without restriction or compensation to you.

14. Third-Party Services, Links, and Providers

The Services may include links, integrations, data, content, or services provided by third parties, including financial institutions, account aggregators, payment processors, cloud providers, AI providers, analytics providers, app stores if used, and other vendors.

VSTA does not control and is not responsible for third-party services, websites, data, products, terms, policies, security practices, outages, or errors. Your use of third-party services is governed by the applicable third party’s terms and policies.

We may change, replace, suspend, or discontinue third-party integrations at any time.

15. Privacy

Your use of the Services is subject to our Privacy Policy, which explains how we collect, use, disclose, retain, and protect personal information.

By using the Services, you acknowledge that you have reviewed the Privacy Policy. If you connect financial accounts, you also acknowledge that information may be processed by third-party data providers, such as Plaid, as described in their applicable policies and disclosures.

16. Service Availability

We strive to provide reliable Services, but we do not guarantee that the Services will be uninterrupted, error-free, secure, accurate, or available at all times.

The Services may be unavailable or impaired due to maintenance, updates, outages, bugs, cyberattacks, third-party failures, financial-institution issues, network problems, cloud-provider issues, force majeure events, or other causes.

To the fullest extent permitted by law, VSTA is not liable for losses, costs, damages, or consequences resulting from downtime, delayed data, missed or inaccurate alerts, unavailable integrations, failed account connections, or service interruptions.

17. Disclaimers

TO THE FULLEST EXTENT PERMITTED BY LAW, THE SERVICES, CONTENT, DATA, AI OUTPUTS, ALERTS, INSIGHTS, FORECASTS, MONEYPATHS, RULES, AUTOMATIONS, AND ALL RELATED MATERIALS ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE.

VSTA DISCLAIMS ALL WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, RELIABILITY, AVAILABILITY, SECURITY, AND UNINTERRUPTED OR ERROR-FREE OPERATION.

VSTA DOES NOT WARRANT OR GUARANTEE THAT:

1. the Services will meet your needs;
2. financial data will be accurate, complete, current, or available;
3. AI outputs will be correct, complete, or suitable;
4. alerts will be timely, accurate, delivered, or acted upon;
5. categories, rules, budgets, buckets, or MoneyPaths will be correct or optimal;
6. third-party services will operate without error;
7. your financial goals will be achieved;
8. any financial outcome will occur; or
9. the Services will prevent financial loss, missed payments, overdrafts, fraud, identity theft, or other harm.

Some jurisdictions do not allow certain warranty disclaimers, so some of these disclaimers may not apply to you.

18. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, VSTA AND ITS OWNERS, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AFFILIATES, AGENTS, LICENSORS, SERVICE PROVIDERS, AND SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, ENHANCED, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST REVENUE, LOSS OF DATA, LOSS OF GOODWILL, FINANCIAL LOSS, MISSED PAYMENTS, OVERDRAFT FEES, LATE FEES, INVESTMENT LOSSES, TAX PENALTIES, BUSINESS INTERRUPTION, OR COST OF SUBSTITUTE SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, EVEN IF VSTA HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE FULLEST EXTENT PERMITTED BY LAW, VSTA’S TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES WILL NOT EXCEED THE GREATER OF:

1. THE AMOUNT YOU PAID TO VSTA FOR THE SERVICES IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM; OR
2. ONE HUNDRED DOLLARS ($100).

Some jurisdictions do not allow certain limitations of liability, so some of these limitations may not apply to you.

19. Indemnification

To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless VSTA and its owners, officers, directors, employees, contractors, affiliates, agents, licensors, service providers, and suppliers from third-party claims, demands, actions, damages, losses, liabilities, costs, and expenses, including reasonable attorneys’ fees, arising out of or related to:

1. your unlawful or unauthorized use or misuse of the Services;
2. your material violation of these Terms or applicable law;
3. User Content that infringes or violates another person’s rights;
4. your unauthorized connection to, access to, or submission of another person’s account or information;
5. your dispute with an invited user or another third party arising from information or access you chose to share; or
6. your infringement or violation of a third-party right.

We may assume exclusive defense and control of a matter subject to indemnification, and you agree to cooperate with our defense. This section does not require you to indemnify VSTA for VSTA’s own gross negligence, willful misconduct, or violation of law to the extent such an obligation is prohibited by applicable law.

20. Suspension, Cancellation, and Termination

You may stop using the Services at any time. Canceling a paid subscription stops future renewal charges as described in Section 10 but does not automatically delete your account or data. You may request account deletion through available account settings or by contacting hello@vstamoney.com.

We may suspend, restrict, or terminate access if we reasonably believe:

1. you violated these Terms;
2. your account is compromised;
3. your use creates legal, security, financial, operational, or reputational risk;
4. required third-party services are unavailable;
5. continuing to provide the Services would violate law or third-party terms; or
6. suspension or termination is otherwise necessary to protect VSTA, users, third parties, or the Services.

Termination may result in loss of access to your account, data, settings, rules, MoneyPaths, outputs, and other content, subject to the Privacy Policy and applicable law. Unless required by law or expressly stated otherwise, termination for a violation of these Terms does not entitle you to a refund.

Sections that by their nature should survive termination will survive, including ownership, disclaimers, limitation of liability, indemnification, dispute resolution, and general legal provisions.

21. Changes to the Services or Terms

We may modify, suspend, discontinue, or replace any part of the Services at any time.

We may update these Terms from time to time. If we make material changes, we will provide notice through the Services, email, or another reasonable method before the changes take effect when required by law. We may require you to affirmatively accept materially revised Terms.

Your continued use of the Services after updated Terms become effective constitutes acceptance to the extent permitted by law. If you do not agree, you must stop using the Services. Changes to the arbitration agreement will apply prospectively and will include any opt-out opportunity required by the applicable notice.

22. Electronic Communications

By using the Services, you consent to receive electronic communications from VSTA, including emails, in-app messages, notices, disclosures, support messages, security alerts, billing notices, and other communications related to your account and the Services.

You agree that electronic communications satisfy any legal requirement that communications be in writing, to the extent permitted by law. You are responsible for keeping your contact information current.

Marketing communications are separate from necessary account, service, security, legal, and billing messages. You may opt out of promotional email using the unsubscribe instructions in the message, but you may continue to receive non-promotional communications while your account remains active.

23. Governing Law

These Terms are governed by the laws of the Commonwealth of Massachusetts, without regard to conflict-of-law principles, except to the extent the law of your state of residence cannot lawfully be waived.

Subject to the dispute-resolution provisions below, the state and federal courts located in Massachusetts will have exclusive jurisdiction over disputes arising out of or relating to these Terms or the Services, except where applicable law requires a different forum.

24. Arbitration Agreement and Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS LEGAL RIGHTS, INCLUDING THE RIGHT TO A JURY TRIAL AND THE ABILITY TO PARTICIPATE IN A CLASS ACTION.

Before starting arbitration, the party asserting a claim must send a written Notice of Dispute to hello@vstamoney.com and to the mailing address in Section 26. The notice must include the claimant’s name and contact information, the email address associated with the VSTA account, a description of the claim and supporting facts, and the relief requested. The parties will attempt in good faith to resolve the dispute informally for 30 days after receipt of a complete notice.

If the dispute is not resolved, you and VSTA agree that any claim or controversy arising out of or relating to these Terms, the Services, your account, your subscription, or your relationship with VSTA will be resolved by binding individual arbitration rather than in court, except that either party may bring a qualifying individual claim in small claims court or seek injunctive or equitable relief for misuse of intellectual property, unauthorized access, security violations, or misuse of the Services.

Arbitration will be administered by the American Arbitration Association (“AAA”) under its applicable Consumer Arbitration Rules, as modified by these Terms to the extent permitted by law. Fees and costs will be allocated under those rules, and VSTA will pay amounts the rules or applicable law require the business to pay. Arbitration may be conducted by documents, telephone, or video conference. Any in-person hearing will occur in the county where you reside or another mutually agreed location, unless applicable rules or law provide otherwise.

You and VSTA agree that each may bring claims against the other only in an individual capacity and not as a plaintiff, class member, or representative in a class, collective, consolidated, private-attorney-general, or representative proceeding. You and VSTA waive the right to a jury trial and the right to participate in a class action to the fullest extent permitted by law.

You may opt out of this arbitration agreement by sending written notice to hello@vstamoney.com within 30 days after you first accept these Terms. The notice must include your name, the email address associated with your account, and a clear statement that you opt out of arbitration. Opting out of arbitration will not affect the remaining Terms.

If any part of this arbitration section is found unenforceable, that part will be severed to the extent permitted by law and the remaining provisions will remain in effect. If the class-action waiver is found unenforceable as to a particular claim or request for relief, that claim or request will proceed in court after any arbitrable claims are resolved.

25. General Terms

These Terms, together with the Privacy Policy and any additional terms presented to you, constitute the entire agreement between you and VSTA regarding the Services.

You may not assign or transfer these Terms or your account without our prior written consent. We may assign or transfer these Terms in connection with a merger, acquisition, financing, reorganization, sale of assets, change of control, or by operation of law.

Our failure to enforce a provision is not a waiver of our right to enforce it later. If a provision is found invalid or unenforceable, the remaining provisions will remain in effect.

No joint venture, partnership, employment, agency, fiduciary, advisory, or professional relationship is created between you and VSTA by these Terms or your use of the Services.

We are not liable for delay or failure to perform resulting from events beyond our reasonable control, including natural disasters, war, terrorism, labor disputes, internet failures, cloud-provider failures, cyberattacks, government actions, financial-institution outages, or third-party service failures.

26. Contact Us

If you have questions about these Terms or the Services, contact us at:

VSTA LLC
68 Harrison Ave, STE 605, NUM 781616
Boston, MA 02111
hello@vstamoney.com