Terms of Service

These Terms of Service (“Terms”) are a contract between you and Tariq Alshara, who operates the Vault iOS app and this website (“Vault”, “we”, “us”). They are not a contract with Apple Inc. or its subsidiaries. By downloading, installing, or using Vault, or by using this website, you agree to these Terms. If you do not agree, do not use Vault.

Our Privacy Policy explains how we handle personal data. It is part of this agreement. These Terms do not conflict with the Apple Media Services Terms and Conditions. Where Apple’s usage rules apply to the licensed app, those rules control.

Vault is an investment portfolio tracker for iOS. You can record holdings across stocks, ETFs, cryptocurrencies, and gold and silver, see market prices, and use premium analytics and Ask Vault chat.

Vault is a tracking and informational tool only. It is not a broker, investment adviser, dealer, exchange, or money manager. It does not execute trades, rebalance a live brokerage account, or give personalized financial, tax, or legal advice. Nothing in the app, Ask Vault, or this website is an offer to buy or sell any security. You remain responsible for every investment decision.

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable license to use the Vault iOS app on Apple-branded products that you own or control, as permitted by the Usage Rules in the Apple Media Services Terms and Conditions. Family Sharing, volume purchasing, and Legacy Contacts may allow other accounts associated with the purchaser to use the app as Apple permits. This license does not transfer ownership of Vault’s software, name, or design.

Vault uses accounts. You can sign in with email, Sign in with Apple, or Google. Clerk provides authentication. You must provide accurate information and keep your sign-in method secure. If you use Hide My Email, the private relay address is the email we associate with your account.

You must be old enough to use the App Store and to form a contract in your country. Do not use Vault if you are not permitted to do so.

Holdings, lots, transactions, prices, and portfolio values are stored on your device and on Vault’s backend (Supabase), including when sync is enabled. This is financial information, not just app settings.

Market data can be delayed, incomplete, or wrong. Past performance is not a promise of future results. Do not rely on Vault as your only record or as a source of official account statements.

Optional brokerage import is read-only. Vault uses SnapTrade so you can connect a supported institution and import holdings into Vault. Vault receives holdings and connection status from SnapTrade. After you connect, SnapTrade may later notify Vault that holdings changed so the app can refresh the imported lots. Vault does not store your brokerage password and cannot place trades.

SnapTrade’s own terms also apply. You must accept the SnapTrade End User Terms in the app before the connection portal opens, including when you reconnect. Disconnecting a brokerage in Vault does not delete lots you already imported, unless you delete those holdings or your account.

Ask Vault is an informational chat about your portfolio and market data. It is not financial advice. A bounded, read-only snapshot of the active portfolio is sent through Vault’s servers to Groq so the model can answer. Chat history stays on your device for the current app session only and is not kept after you sign out, reset, or quit.

Vault is sold as a paid iOS app through the App Store. Analytics and Ask Vault require an active Apple subscription processed by Apple and RevenueCat. Price, plan, trial, and renewal terms are shown in the app and on the App Store. Subscriptions renew until you cancel in your Apple ID settings. Refunds for App Store purchases follow Apple’s rules.

If you use the in-app feedback board, your post, comments, votes, and display name are visible to other signed-in Vault users. Do not submit content that is unlawful, abusive, or that you do not have the right to share. We may hide or remove posts that violate these Terms.

You may use Vault only for lawful personal portfolio tracking. You may not reverse engineer the app except as allowed by law, scrape or overload our services, try to access another user’s data, or use Vault to provide investment services to others as if you were Vault.

You must also comply with applicable third-party terms when using Vault, including Apple’s, Clerk’s, Google’s, SnapTrade’s, and your wireless or data-service agreement.

Vault’s name, design, and software are owned by us or our licensors. These Terms do not transfer ownership. Third-party marks (including Apple, Google, Groq, and company logos shown for holdings) belong to their owners.

Tariq Alshara, not Apple, is solely responsible for the Vault app and its content, including maintenance and support. Apple has no obligation to provide maintenance or support for Vault.

In the event of any failure of the licensed app to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price for the app to you. To the maximum extent permitted by law, Apple has no other warranty obligation with respect to Vault. Any other claims, losses, liabilities, damages, costs, or expenses attributable to a failure to conform to any warranty are Tariq Alshara’s sole responsibility.

Tariq Alshara, not Apple, is responsible for addressing claims relating to Vault or your possession or use of it, including product-liability claims, claims that Vault fails to meet a legal or regulatory requirement, and claims under consumer-protection or privacy law. In the event of a third-party claim that Vault or your possession and use of it infringes that party’s intellectual property rights, Tariq Alshara, not Apple, is solely responsible for investigating, defending, settling, and discharging that claim.

You represent and warrant that you are not located in a region subject to a U.S. Government embargo or designated by the U.S. Government as a “terrorist supporting” region, and that you are not listed on any U.S. Government list of prohibited or restricted parties.

Apple and Apple’s subsidiaries are third-party beneficiaries of these Terms. Upon your acceptance, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.

VAULT IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We do not warrant that Vault will be uninterrupted, accurate, or error-free.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, TARIQ ALSHARA AND VAULT ARE NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, OR INVESTMENT LOSSES. OUR TOTAL LIABILITY FOR CLAIMS ARISING FROM THESE TERMS OR VAULT IS LIMITED TO THE AMOUNT YOU PAID FOR VAULT SUBSCRIPTIONS IN THE TWELVE MONTHS BEFORE THE CLAIM. Nothing in these Terms limits liability beyond what applicable law allows, including liability that cannot be excluded for death, personal injury, or fraud.

You may stop using Vault and delete your account at any time. We may suspend or terminate access if you breach these Terms, if we must do so to protect users or our services, or if we shut Vault down. After termination, the license in section 3 ends. Sections that should survive (including disclaimers, liability limits, Apple beneficiary rights, and governing law) survive.

You can delete your account in Settings. Deletion removes your Clerk account and the Vault-held copies of your profile, portfolios, holdings, SnapTrade connection records, feedback, and related server data, as described in the Privacy Policy. Some records may remain for a short time in backups, and Apple keeps subscription records under Apple’s rules.

We may update these Terms. The “Last updated” date will change when we do. If a change is material, we will try to notice you in the app or by email. Continued use after the update means you accept the new Terms.

These Terms are governed by the laws of the country where Tariq Alshara resides, without regard to conflict-of-law rules, except where the consumer-protection laws of your country require otherwise. If a dispute cannot be resolved informally, the courts of that country have jurisdiction, again except where your local law says you may sue in your home courts.

If a provision of these Terms is unenforceable, the rest remains in effect. We may assign these Terms in connection with a sale or reorganization of Vault; you may not assign them without our consent. These Terms, together with the Privacy Policy, are the entire agreement between you and us about Vault. They supersede prior agreements on the same subject.

The operator is Tariq Alshara. Questions, complaints, or claims about these Terms or the Vault app: support@try-vault-app.com. We do not publish a telephone number or postal mailing address at this time.