Legal
Effective: April 20, 2026
These Terms of Service ("Terms") constitute a legally binding agreement between you ("you," "your," or "Client") and NSTACK AI Inc., doing business as Wealthstack AI ("Wealthstack," "we," "us," or "our"), governing your access to and use of the Wealthstack platform, including all associated software, applications, APIs, and related services (collectively, the "Services").
THIS AGREEMENT CONTAINS A MANDATORY ARBITRATION PROVISION AND A CLASS ACTION WAIVER. PLEASE READ THESE TERMS CAREFULLY BEFORE USING THE SERVICES.
By accessing or using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you are using the Services on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms.
THE SERVICES ARE NOT INTENDED TO PROVIDE, AND DO NOT CONSTITUTE, INVESTMENT ADVICE, FINANCIAL PLANNING RECOMMENDATIONS, TAX ADVICE, LEGAL ADVICE, OR ANY FORM OF FIDUCIARY GUIDANCE. WEALTHSTACK IS A TECHNOLOGY PLATFORM PROVIDER, NOT A REGISTERED INVESTMENT ADVISER, BROKER-DEALER, OR FINANCIAL PLANNER.
The materials, outputs, analytics, and any other content appearing on or generated by the Services are not intended to and do not constitute professional advice of any kind. You should not act upon them without first seeking relevant professional counsel, as these materials are general in nature and may not apply to particular circumstances.
INVESTING INVOLVES SIGNIFICANT RISKS, INCLUDING THE POTENTIAL FOR FINANCIAL LOSS, INCLUDING THE LOSS OF ALL THE VALUE OF YOUR ASSETS. Investors or their representatives should carefully consider whether trading or holding assets is suitable in light of such investors' financial condition. By using the Services, you acknowledge and agree that you are aware of, and assume, all risks associated with any investment decisions and you are solely responsible for conducting your own independent analysis.
By creating an account, accessing, or otherwise using the Services, you agree to these Terms, our Privacy Policy, and any supplemental terms or policies referenced herein, all of which are incorporated by reference. If you do not agree to these Terms, you must not access or use the Services. Your continued use of the Services following the posting of any changes to these Terms constitutes acceptance of those changes.
Wealthstack provides an AI-powered technology platform designed for registered investment advisors ("RIAs"), broker-dealers, wealth management firms, and their authorized personnel. The Services include, but are not limited to: client onboarding automation, portfolio intelligence and analytics, compliance monitoring and documentation, client communication tools, data unification across custodial and CRM systems, and an AI assistant ("NAIA") that generates insights from aggregated financial data.
The Services are designed as technology tools to augment, not replace, the professional judgment of licensed financial professionals. All outputs, recommendations, and analyses generated by the Services are intended solely as decision-support tools and must be independently reviewed and validated by qualified professionals before any action is taken.
Wealthstack is a technology platform provider. We are not a registered investment adviser, broker-dealer, financial planner, tax advisor, or legal counsel under any federal or state securities laws or regulations, including but not limited to the Investment Advisers Act of 1940, the Securities Exchange Act of 1934, or any state equivalent.
Nothing in the Services, including but not limited to analytics, reports, summaries, AI-generated outputs, market data displays, portfolio visualizations, compliance alerts, or any other content, shall be construed as:
You and your firm have made, and shall continue to make, your own independent evaluation of the investment merits and suitability of any strategies, securities, or approaches referenced in or suggested by the Services. The Services should not be used as a substitute for consultation with a qualified professional adviser.
You agree that Wealthstack is not responsible for any financial, investment, business, tax, or legal decisions that you or your clients make, whether or not such decisions are informed by outputs from the Services.
No fiduciary, advisory, or agency relationship is created between Wealthstack and you, your firm, or your clients by virtue of your use of the Services. Wealthstack does not owe, and expressly disclaims, any fiduciary duty to you, your firm, or any end client of your firm.
If you are a registered investment adviser or other financial professional subject to fiduciary obligations under applicable law, you acknowledge and agree that:
The Services utilize artificial intelligence and machine learning technologies, including large language models, to process data and generate outputs including, but not limited to, portfolio analytics, compliance summaries, client communications, market insights, and natural language responses ("AI Outputs"). You acknowledge and agree that:
By using the Services, you acknowledge and agree to the following:
The Services are intended for use by investment professionals only, including registered investment advisors (RIAs), broker-dealers, wealth management firms, family offices, trust companies, and their authorized personnel. The Services are not intended for retail investors or the general public.
By using the Services, you represent and warrant that: (a) you are at least 18 years of age; (b) you are a licensed or authorized financial professional, or are acting under the supervision of one; (c) you have the legal capacity and authority to enter into these Terms; (d) your use of the Services complies with all applicable laws, rules, and regulations; and (e) you have not previously been suspended or removed from using the Services.
You must register for an account to access the Services. You agree to provide accurate, current, and complete information during registration and to keep your account information updated. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
You must notify us immediately at [email protected] if you become aware of any unauthorized use of your account or any other breach of security. We reserve the right to suspend or terminate accounts that we reasonably believe have been compromised.
Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services solely for your internal business purposes in connection with the provision of financial advisory services. You may not sublicense, resell, or distribute the Services or any outputs generated by the Services to third parties without our prior written consent.
You agree not to:
The Services are designed to support, not replace, your regulatory compliance obligations. You acknowledge and agree that:
The Services, including all software, algorithms, models, user interfaces, designs, documentation, and related intellectual property, are and remain the exclusive property of NSTACK AI Inc. and its licensors. Nothing in these Terms grants you any right, title, or interest in the Services except for the limited license expressly set forth herein.
"Wealthstack," "NAIA," the Wealthstack logo, and all related names, logos, and product names are trademarks of NSTACK AI Inc. You may not use these marks without our prior written permission.
You retain all ownership rights in the data you submit to the Services ("Client Data"). By using the Services, you grant us a limited, non-exclusive license to process Client Data solely for the purpose of providing the Services to you.
We will not sell, rent, or share Client Data with third parties for their independent use. We will not use Client Data to train general-purpose AI or machine learning models. We may use aggregated, de-identified data that cannot reasonably be used to identify you, your firm, or your clients for the purpose of improving our Services, conducting research, and generating industry benchmarks.
Upon termination of your account, you may request export of your Client Data in a standard machine-readable format. We will make such data available for a period of 90 days following termination, after which we may delete it in accordance with our data retention policies.
Each party agrees to maintain the confidentiality of the other party's confidential information and to use it only for the purposes contemplated by these Terms. Confidential information includes, without limitation, Client Data, proprietary algorithms, business strategies, pricing, client lists, portfolio data, and any information designated as confidential.
This obligation does not apply to information that: (a) is or becomes publicly available through no fault of the receiving party; (b) was known to the receiving party prior to disclosure; (c) is independently developed without reference to the disclosing party's confidential information; or (d) is required to be disclosed by law, regulation, subpoena, or court order, provided that the receiving party gives prompt notice to the disclosing party where legally permitted.
The Services may integrate with or display data from third-party sources, including custodians, CRM platforms, market data providers, and other financial data services. You acknowledge and agree that:
We strive to maintain high availability of the Services but do not guarantee uninterrupted or error-free operation. The Services may be temporarily unavailable due to scheduled maintenance, upgrades, or circumstances beyond our reasonable control. We will use commercially reasonable efforts to provide advance notice of planned maintenance windows.
Service level commitments, where applicable, are set forth in separate service level agreements ("SLAs") executed between the parties. In the absence of a separate SLA, no specific uptime guarantee is provided.
Access to the Services may require payment of fees as set forth in the applicable order form or subscription agreement. All fees are quoted in U.S. dollars and are exclusive of applicable taxes. You agree to pay all fees when due and to provide accurate billing information.
We reserve the right to modify our pricing with 30 days' prior written notice. If you do not agree to a price change, your sole remedy is to terminate your subscription before the new pricing takes effect.
BY USING THE SERVICES (INCLUDING, BUT NOT LIMITED TO, THE AI FEATURES) YOU AGREE AND ACKNOWLEDGE THAT WE PROVIDE THE SERVICES "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTY OR CONDITION, EXPRESS, IMPLIED, OR STATUTORY. WE AND OUR PARENTS, SUBSIDIARIES, OFFICERS, DIRECTORS, SHAREHOLDERS, MEMBERS, MANAGERS, EMPLOYEES, AND SUPPLIERS SPECIFICALLY DISCLAIM ANY IMPLIED WARRANTIES OF TITLE, ACCURACY, SUITABILITY, APPLICABILITY, MERCHANTABILITY, PERFORMANCE, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM WEALTHSTACK OR THROUGH THE SERVICES SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS. WE DO NOT WARRANT THAT THE SERVICES WILL MEET YOUR REQUIREMENTS, THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR THAT THE AI OUTPUTS WILL BE ACCURATE, RELIABLE, OR FREE FROM INACCURACIES OR MISREPRESENTATIONS.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL WEALTHSTACK, ITS AFFILIATES, LICENSORS, OR BUSINESS PARTNERS (COLLECTIVELY, THE "RELATED PARTIES") BE LIABLE TO YOU BASED ON OR RELATED TO THE SERVICES, WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE, AND SHALL NOT BE RESPONSIBLE FOR ANY LOSSES OR DAMAGES, INCLUDING WITHOUT LIMITATION DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, EXEMPLARY, OR SPECIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH ACCESS TO OR USE OF THE SERVICES (INCLUDING, BUT NOT LIMITED TO, THE AI FEATURES AND AI OUTPUTS), EVEN IF WEALTHSTACK AND/OR RELATED PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
THIS LIMITATION SPECIFICALLY INCLUDES, WITHOUT LIMITATION: LOSS OF PROFITS, LOSS OF DATA, LOSS OF BUSINESS OPPORTUNITY, INVESTMENT LOSSES, TRADING LOSSES, REGULATORY FINES OR PENALTIES, REPUTATIONAL HARM, AND ANY DAMAGES ARISING FROM RELIANCE ON AI-GENERATED OUTPUTS FOR INVESTMENT DECISIONS, COMPLIANCE DETERMINATIONS, OR CLIENT COMMUNICATIONS.
NOTWITHSTANDING THE FOREGOING, OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNTS PAID BY YOU TO US DURING THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IN SUCH JURISDICTIONS, THE ABOVE LIMITATIONS SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW.
You agree to indemnify, defend, and hold harmless Wealthstack and its affiliates, officers, directors, employees, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your use of the Services; (b) your violation of these Terms; (c) your violation of any applicable law, rule, or regulation, including securities laws; (d) any claim by a third party arising from your use of AI-generated outputs, including claims by your clients; (e) any regulatory action, fine, or sanction arising from your use of the Services; or (f) your failure to make appropriate disclosures regarding your use of AI-powered technology tools.
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.
Any dispute, claim, or controversy arising out of or relating to these Terms or the Services shall be resolved through binding arbitration administered by the American Arbitration Association ("AAA") in accordance with its Commercial Arbitration Rules, with the arbitration taking place in Wilmington, Delaware.
Class Action Waiver. YOU AND WEALTHSTACK AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A REPRESENTATIVE OR CLASS PROCEEDING.
Exceptions. Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to protect its intellectual property rights or confidential information. Nothing in this section shall prevent either party from seeking provisional remedies in aid of arbitration from a court of appropriate jurisdiction.
Either party may terminate these Terms at any time by providing 30 days' written notice to the other party. We may suspend or terminate your access to the Services immediately and without prior notice if we reasonably believe that you have violated these Terms, engaged in fraudulent or illegal activity, or if continued provision of the Services poses a security risk.
Upon termination, your right to access the Services ceases immediately. Sections 3 through 6, 11 through 15, and 18 through 26 shall survive termination.
These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of laws principles.
Pursuant to U.S. Treasury Department Regulations, we are required to advise you that, unless otherwise expressly indicated, any federal tax advice contained in the Services, including any AI-generated outputs, attachments, and enclosures, is not intended or written to be used, and may not be used, for the purpose of (i) avoiding tax-related penalties under the Internal Revenue Code or (ii) promoting, marketing, or recommending to another party any tax-related matters addressed therein.
We reserve the right to modify these Terms at any time. We will provide notice of material changes by posting the updated Terms on our website and updating the "Effective" date. For material changes that adversely affect your rights, we will provide at least 30 days' advance notice via email or through the Services. Your continued use of the Services after the effective date of any modification constitutes your acceptance of the modified Terms.
Entire Agreement. These Terms, together with the Privacy Policy and any applicable order forms, subscription agreements, or SLAs, constitute the entire agreement between you and Wealthstack with respect to the Services and supersede all prior or contemporaneous communications, whether written or oral.
Severability. If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
Waiver. No waiver of any term or condition shall be deemed a further or continuing waiver of such term or any other term.
Assignment. You may not assign or transfer these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of all or substantially all of our assets.
Force Majeure. Neither party shall be liable for any failure or delay in performance due to causes beyond its reasonable control, including but not limited to natural disasters, acts of government, pandemics, market disruptions, or failures of third-party infrastructure.
Electronic Acceptance. For the avoidance of doubt, these Terms may be accepted electronically, and it is the intention of all parties that such acceptance shall be deemed to be as valid as an original signature.
If you have questions about these Terms, please contact us:
These Terms of Service were last updated on April 20, 2026. Prior versions are available upon request. This document does not constitute legal advice. We recommend that you consult with qualified legal counsel regarding your specific obligations and circumstances.