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").
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.
By creating an account, accessing, or otherwise using the Services, you agree to these Terms and our Privacy Policy, which is incorporated herein 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 operating layer for wealth management firms. 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 actionable insights from aggregated financial data.
The Services are designed to augment, not replace, professional financial advisory judgment. All outputs, recommendations, and analyses generated by the Services are intended as decision-support tools for licensed financial professionals.
The Services are available to registered investment advisors (RIAs), broker-dealers, wealth management firms, and their authorized personnel who are at least 18 years of age. By using the Services, you represent that you meet these eligibility requirements and that any information you provide is accurate and complete.
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 utilize artificial intelligence and machine learning technologies to process data and generate outputs including, but not limited to, portfolio analytics, compliance summaries, client communications, and market insights. 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 and improving the Services.
We will not sell, rent, or share Client Data with third parties for their independent use. We may use aggregated, de-identified data that cannot reasonably be used to identify you 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, 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, or court order, provided that the receiving party gives prompt notice to the disclosing party where legally permitted.
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.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL WEALTHSTACK, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, LOSS OF BUSINESS OPPORTUNITY, OR INVESTMENT LOSSES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY.
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).
YOU ACKNOWLEDGE THAT THE SERVICES ARE NOT DESIGNED OR INTENDED TO PROVIDE INVESTMENT ADVICE AND THAT ANY RELIANCE ON AI-GENERATED OUTPUTS FOR INVESTMENT DECISIONS IS AT YOUR OWN RISK.
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 or regulation; or (d) any claim by a third party arising from your use of AI-generated outputs, including claims by your clients.
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 7 through 14, 16, and 18 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. Any dispute arising out of or relating to these Terms shall be resolved through binding arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules, with the arbitration taking place in Wilmington, Delaware.
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.
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 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, or failures of third-party infrastructure.
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.