The deal between us.

Plain-English terms for using HELM. Read them. They are the legal agreement between you and Vantage Digital LLC. By creating an account, signing in, or paying for a subscription, you accept these terms.

1. Who's who

"HELM", "we", "us" mean Vantage Digital LLC, a Texas limited liability company. "You" or "operator" means the individual using HELM under an account they registered.

2. The service

HELM is a manual-input wealth-tracking tool with AI-assisted insights. Core features include: account & holdings tracking, transaction logs, AI chat (Ask HELM), tax-strategy calculator (Tax Brain), document vault, beneficiary records, weekly insight emails, and PDF reports. Features may be added, removed, or changed; we will give material notice via email or in-app.

3. Account & eligibility

• You must be 18 or older.
• You are responsible for keeping your password secret and for all activity under your account.
• One account per individual. No sharing accounts across multiple operators.
• You must provide accurate information when registering and update it as needed.

4. Subscription & billing

• HELM is offered in monthly subscription tiers. Current pricing is on the pricing page.
• Billing is handled by Stripe. We do not see or store your card number.
• Subscriptions auto-renew at the same price unless you cancel before the renewal date. We will email you before any price increase with at least 30 days notice.
• You may cancel any time from Settings or by emailing us. You retain access through the end of the paid period.
• Refunds are at our discretion; we generally honor a 14-day refund for first-time subscribers who request it in writing.
• Founding-tier pricing, if offered, locks for the duration of your continuous active subscription. Lapsed subscriptions lose the founding rate.

5. Acceptable use

You agree not to:

• Reverse-engineer, decompile, or attempt to extract source code beyond what's in our public repository.
• Scrape the service, run automated load tests, or attempt to circumvent rate limits.
• Use HELM to track data on behalf of someone else without their knowledge (it is single-operator software).
• Upload illegal content, malware, or content you don't have rights to.
• Use HELM as the system of record for fiduciary trust, estate, or client-advisory work — it is not licensed for those uses.
• Resell, white-label, or sublicense HELM without a written agreement.

6. AI features

7. Tax Brain disclaimer

Tax Brain estimates tax-aware strategies (wash-sale flags, harvesting, RMD reminders, IRA contributions, QSBS, §1031, charitable, residency). The numbers are based on current federal rules and your input data. They are estimates, not opinions of a CPA or tax attorney. Tax law changes; your facts vary; your state matters. Always confirm any tax move with a licensed tax professional before executing it.

8. Your data & backups

Your data is yours. You can export everything from Settings → Export Data at any time, in JSON. We recommend exporting at least quarterly for your own records. We make no warranty that exports are sufficient for tax-filing purposes — work with your CPA on that.

9. Privacy

The Privacy Policy describes what we collect, how we use it, and who else processes it. It is incorporated into these Terms by reference.

10. Intellectual property

HELM (the software, design, logo, brand) belongs to Vantage Digital LLC. We grant you a non-exclusive, non-transferable license to use it during your active subscription. Your data — accounts, holdings, transactions, AI prompts, documents — belongs to you.

11. Beta & early-access disclaimer

HELM is being developed actively. Some features are labeled "beta" or "shipping in v[X]". Beta features may change, break, or be removed. We do our best to give notice but cannot guarantee continuity for any feature labeled beta.

12. No advice, no fiduciary relationship

13. Disclaimer of warranties

HELM is provided "as is" and "as available" without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, non-infringement, or accuracy of AI output. We do not warrant uninterrupted or error-free operation, that any defect will be corrected, or that the service will meet your specific needs.

14. Limitation of liability

To the maximum extent permitted by law, Vantage Digital LLC and its officers, directors, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from: (a) your use of or inability to use HELM; (b) any conduct or content of any third party on the service; (c) any AI output; or (d) unauthorized access, use, or alteration of your data.

Our total liability for all claims arising out of or relating to the service is limited to the greater of (a) the amount you paid us in the 12 months before the claim arose, or (b) US$100. Some jurisdictions don't allow these limitations; in those places, our liability is limited to the smallest amount permitted by law.

15. Indemnification

You agree to indemnify and hold harmless Vantage Digital LLC from any claim, damages, liabilities, costs, or fees arising out of (a) your use of HELM, (b) your violation of these Terms, or (c) your violation of any law or third-party right.

16. Termination

• By you: cancel any time via Settings or email. Your data is exportable for 30 days after cancellation, then permanently deleted.
• By us: we may suspend or terminate your account if you violate these Terms, fail to pay, or use HELM in a way that puts the service or other operators at risk. We will give reasonable notice unless immediate action is required.

17. Dispute resolution & arbitration

Any dispute arising out of or relating to these Terms or HELM that the parties cannot resolve in good faith within 30 days will be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, in Travis County, Texas, in English, applying Texas law (excluding conflict-of-law rules).

Class action waiver. You and we agree that disputes will be resolved on an individual basis only, not as a class, consolidated, or representative action. If a court finds the class waiver unenforceable, the entire arbitration agreement is void.

30-day opt-out. You may opt out of arbitration by emailing legal@atthelm.com within 30 days of first accepting these Terms. Opting out does not affect any other part of these Terms.

18. Governing law

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-law rules. Subject to §17, courts located in Travis County, Texas have exclusive jurisdiction.

19. Changes to these Terms

We may update these Terms. Material changes get at least 14 days email notice. Continued use after the effective date is acceptance. Past versions are archived in our public repository.

20. Miscellaneous

• Entire agreement: these Terms plus the Privacy Policy are the complete agreement between us.
• Severability: if a clause is unenforceable, the rest survive.
• No waiver: our delay in enforcing any clause does not waive it.
• Assignment: you may not assign these Terms; we may assign them in connection with a merger, acquisition, or sale of substantially all our assets.
• Force majeure: we are not liable for delays caused by events beyond our reasonable control (natural disasters, cyberattacks, internet outages, etc.).
• Notices to us: legal@atthelm.com.

Vantage Digital LLC · Texas, United States · © 2026