Terms of Service

Effective date: March 9, 2026

1. Acceptance of Terms

By accessing or using Vistory ("the Service"), you agree to be bound by these Terms of Service. If you do not agree, do not use the Service.

2. Description of Service

Vistory is a web application that transforms plain-language questions into data-driven analysis artifacts using publicly available economic and financial data sources including FRED, Yahoo Finance, and the World Bank.

3. User Accounts

You are responsible for maintaining the confidentiality of your account credentials. You agree to provide accurate information during registration and to keep it current.

4. Credits and Billing

The Service uses a credit-based system. Credits are consumed when you perform queries and save stories. Free credits are provided upon signup during the beta period. Paid credit packages and subscriptions may be offered in the future.

5. Acceptable Use

You agree not to misuse the Service, including but not limited to: attempting to circumvent rate limits, reverse-engineering the system, or using automated tools to access the Service beyond its intended use.

6. Intellectual Property

You retain ownership of the stories and analysis artifacts you create. Vistory retains ownership of the Service, its technology, and its branding. Data sourced from third-party providers (FRED, Yahoo Finance, World Bank) is subject to their respective terms.

7. Disclaimer

The Service is provided "as is" without warranties of any kind. Vistory does not provide financial advice. Analysis artifacts are for informational purposes only and should not be relied upon as the sole basis for investment or policy decisions.

8. Limitation of Liability

To the fullest extent permitted by law, Vistory shall not be liable for any indirect, incidental, or consequential damages arising from use of the Service.

9. Changes to Terms

We may update these Terms from time to time. Continued use of the Service after changes constitutes acceptance of the revised Terms.

10. Contact

For questions about these Terms, contact us at [email protected].