Terms of Service.

By accessing or using the WT Digital website at wtdigital.org (the “Site”), by creating an account, by using WT Terminal, or by engaging WT Digital (“WT Digital,” “we,” “us,” “our”) for professional services, you agree to be bound by these Terms of Service (“Terms”). If you do not agree, do not use the Site, the products, or the services.

These Terms incorporate our Privacy Policy and, for users of WT Terminal, our Disclosures. Together they form the entire agreement between you and WT Digital in relation to their subject matter.

You must be at least 18 years old and capable of forming a binding contract to create an account or use WT Terminal. WT Terminal is a financial publication intended for adults, and we do not knowingly provide it to minors.

You must not use WT Terminal if you are barred from doing so under the laws of your country or of the United States, and you are responsible for complying with the laws that apply where you are. WT Terminal is offered from the United States and is intended for use by residents of the United States. We make no representation that it is appropriate or available for use elsewhere.

You are responsible for the accuracy of the information you give us when you register, for keeping your password confidential, and for everything that happens under your account. Tell us promptly at hello@wtdigital.org if you believe your account has been accessed without your permission.

Accounts are personal to you. You may not share, sell, transfer, or licence your account or your access credentials, and you may not allow another person or an automated system to use the product through your account.

You may close your account at any time by emailing us. We explain in §22 when we may suspend or close it.

You may use the Site and our products for lawful purposes only. You agree not to:

• Use them in any way that violates applicable local, national, or international law
• Attempt to gain unauthorised access to any part of the Site, our systems, or another user's account
• Scrape, crawl, spider, or systematically extract content, data, or analysis, or use any automated means to access the products, except as we expressly permit in writing
• Circumvent, disable, or interfere with any rate limit, credit system, authentication, or other technical measure
• Reverse engineer or attempt to derive the prompts, models, weighting, or methodology behind the analysis
• Transmit unsolicited or unauthorised advertising or promotional material
• Introduce malware, viruses, or any other malicious code
• Engage in any conduct that restricts, inhibits, or degrades anyone else's use of the Site or the products

All content on the Site and in our products — including text, graphics, logos, images, code, the analytical methodology, and the analysis WT Terminal produces — is owned by or licensed to WT Digital and protected by applicable intellectual property laws. Nothing in these Terms transfers ownership of it to you.

The analytical frameworks in WT Terminal are named for the methods they apply, not for any person. No individual investor, author, or public figure is affiliated with WT Digital, has endorsed or reviewed WT Terminal, or has any involvement in it, and nothing in the product represents any particular person's views. Any trademarks or names appearing on the Site are the property of their respective owners, and their appearance does not imply any association or endorsement.

WT Terminal is a financial publication. It applies a set of independent analytical frameworks to a publicly traded security and publishes what each one concludes, together with the figures each relied on and a single aggregate reading.

Its analysis is general and impersonal. The same security produces the same reading for every subscriber. We do not ask for, and the analysis does not consider, your age, income, net worth, tax position, time horizon, existing holdings, risk tolerance, or investment objectives. Saving a symbol to a watchlist, or telling us which companies interest you, changes which companies appear on your screen. It does not change a single word of the analysis of any of them.

Our Disclosures describe this in full and form part of these Terms.

WT Digital is not a registered investment adviser, a broker-dealer, or a financial planner. Using WT Terminal does not create an advisory, fiduciary, brokerage, or professional relationship between you and WT Digital.

Nothing WT Terminal produces is a recommendation that any security is suitable for you, an offer or solicitation to buy or sell any security, or personalised investment, legal, tax, or accounting advice. Words such as Buy, Hold, or Avoid describe the conclusion of an analytical framework. They are not instructions and not a judgment that any security is appropriate for you.

No output of WT Terminal should be the basis for a final trading decision. It is one input, to be weighed against your own research, your own circumstances, and where appropriate the advice of a licensed professional who knows them. You are solely responsible for your investment decisions and for their consequences.

We do not manage accounts, hold client funds or securities, execute or transmit orders, or have any ability to trade on your behalf.

The analysis is generated by large language models applied to financial data from third-party sources. It is software output, produced without human review of each individual result.

You acknowledge that language models produce confident, fluent, and sometimes incorrect output; that a well-written paragraph is not evidence that its reasoning is sound or its figures are right; and that the same company may produce different conclusions on different runs. The Disclosures set out these limitations in detail, and you agree you have read them.

If you believe the analysis contains a factual error about a company, please tell us at hello@wtdigital.org and we will review it.

Prices, fundamentals, and historical series are obtained from third-party providers and may be delayed, incomplete, adjusted, restated, or wrong. Nothing in WT Terminal is real-time. We do not audit this data and do not warrant it as accurate. Verify anything you intend to act on against the company's own filings.

Market data is provided for your personal, non-commercial use only, and is subject to the terms of the providers we obtain it from.

WT Terminal offers a free tier. Access to analysis is metered in credits: each run consumes credits from your balance, and the cost of a run is shown to you before you confirm it.

If and when we offer paid plans, the following apply, and we will present the specific price, billing period, and renewal terms to you clearly before you provide payment details and before any charge is made:

• Auto-renewal. Paid plans renew automatically at the end of each billing period, at the then-current price, until you cancel. We will obtain your express consent to that renewal separately from your acceptance of these Terms, and confirm the terms to you by email after you subscribe.
• Cancellation. You may cancel at any time from your account settings, by the same means you used to subscribe and without having to contact us. Cancellation takes effect at the end of the current billing period; you keep access until then.
• Price changes. We will give you at least 30 days' notice by email before any change to your recurring price, and you may cancel before it takes effect.
• Failed payments. If a payment fails we may retry it and may suspend access until it succeeds.
• Taxes. Prices are exclusive of any applicable sales or similar taxes, which we will add where we are required to collect them.

Credits. Credits have no cash value, are not a stored-value or gift-card product, cannot be redeemed for cash, and are not transferable. Credits included with a paid plan are allocated for that billing period. Credits you purchase separately do not expire while your account is open. If we close your account other than for a breach of these Terms, we will refund the amount you paid for any unused purchased credits.

Payments are processed by a third-party payment processor. We do not receive or store your full card details.

If you are dissatisfied with a paid plan, contact us within 14 days of your first payment on that plan and we will refund it in full.

Beyond that, payments are generally non-refundable, and cancelling stops future renewals rather than refunding the current period. We will nonetheless refund a charge where the law requires it, and we will refund credits consumed by a run that failed to produce a result through our fault — normally this happens automatically.

Nothing in this section limits any statutory right to a refund you may have where you live.

Subject to these Terms, we grant you a personal, non-exclusive, non-transferable, revocable licence to view and use the analysis WT Terminal produces for your own personal, non-commercial purposes.

You may not republish, redistribute, syndicate, sell, sublicence, or make the analysis available to anyone else, whether or not for a fee; use it to create a competing or derivative product or dataset; use it to train a machine learning model; or present it as your own or as anyone else's. Quoting a short extract with attribution to WT Terminal is permitted.

You may not use the analysis as an input to an automated or algorithmic trading system.

You retain any rights you have in the information you give us — the symbols you search, the companies you tell us interest you, and your watchlist. You grant us a licence to use that information to operate and improve the product, as described in our Privacy Policy.

We use that information to decide which companies to show you. We do not use it to alter the analysis of any company, and we do not sell it.

We may change, suspend, or discontinue any part of WT Terminal, including any analytical framework, at any time. We aim to give reasonable notice of a material reduction in what a paid plan provides, and if we discontinue a paid plan we will refund the unused portion of what you have paid.

We do not guarantee that WT Terminal will be available without interruption, that analysis will complete within any particular time, or that any particular security will be covered.

WT Digital provides AI consulting, automation engineering, and web development services to businesses and professionals. The specific scope, deliverables, timeline, and fees for any engagement are governed by a separate written agreement (“Statement of Work” or “SOW”) executed between WT Digital and the client. Where an SOW conflicts with these Terms, the SOW governs for that engagement.

Nothing on this Site constitutes a binding offer or guarantee of services, availability, or pricing. All engagements are subject to availability and mutual agreement.

Unless otherwise stated in an SOW:

• Project fees are invoiced 50% upfront and 50% upon completion (or as otherwise agreed in writing)
• Retainer fees are invoiced monthly in advance
• Invoices are due within 14 days of issue
• Late payments accrue interest at 1.5% per month (or the maximum rate permitted by law, whichever is lower)
• Work may be paused on accounts overdue by more than 30 days

This section applies to client engagements only. It does not apply to WT Terminal, which is governed by §10 and §11.

Ownership of deliverables created under a client engagement is governed by the applicable SOW. Unless otherwise specified in writing, WT Digital retains all intellectual property rights in tools, frameworks, methodologies, and pre-existing code used in delivering services, and grants the client a perpetual, non-exclusive licence to use the deliverables.

We treat all information shared with us in the course of an engagement as confidential. We will not disclose client information to third parties except as necessary to deliver the agreed services, or as required by law.

Where a formal non-disclosure agreement is required, we are happy to execute one prior to commencing substantive discussions.

In connection with any services engagement, you agree to:

• Provide accurate, complete, and timely information, content, access credentials, and approvals necessary for us to perform the services
• Designate a primary point of contact with authority to make decisions on your behalf
• Review and approve deliverables within the timeframes specified in the SOW — delays in approval may extend project timelines without penalty to WT Digital
• Ensure you have all necessary rights and permissions to share any data, content, or systems access provided to us
• Promptly notify us of any changes to your business, systems, or requirements that may affect the services

Where we build services involving artificial intelligence, machine learning, or automated systems for a client, you acknowledge and agree:

• Output accuracy — AI-generated content, decisions, and outputs may be inaccurate, incomplete, biased, or otherwise imperfect. You are solely responsible for reviewing, validating, and approving all AI outputs before use in production systems or customer-facing communications.
• No guarantee of results — Automation and AI systems we build are intended to improve efficiency, but we make no guarantee that they will achieve specific business outcomes, revenue targets, conversion rates, or cost savings.
• Third-party AI providers — We may use third-party AI services to build and deliver solutions. Your data processed through these tools is subject to those providers' terms and privacy policies. We will disclose which providers are used in the relevant SOW.
• Regulatory compliance — You are solely responsible for ensuring that any AI system we build for you complies with applicable laws and regulations in your industry and jurisdiction.
• Model changes — Third-party AI models and APIs may change, deprecate, or produce different outputs over time without notice. We are not liable for performance changes caused by upstream model updates outside our control.

If WT Digital builds email marketing, SMS, automated calling, or AI-powered outreach systems for you, you acknowledge and agree:

• You are the sender of record for all communications sent through those systems and are solely responsible for compliance with CAN-SPAM, the TCPA, GDPR, CASL, and all other applicable laws
• You will obtain all legally required consents from recipients before sending commercial or marketing communications
• You will honour all opt-out and unsubscribe requests promptly
• You will not use any system we build to send spam, unsolicited messages, or communications that violate applicable law
• WT Digital is not liable for fines, penalties, or claims arising from your use of communication systems we build

We may suspend or terminate your access, with notice where practicable, if you breach these Terms, if we reasonably suspect fraud or unauthorised use, if required by law, or if we discontinue the product.

If we terminate your paid access other than for your breach of these Terms, we will refund the unused portion of what you have paid. On termination your licence to use the analysis ends, and the provisions of these Terms which by their nature should survive — including §05, §12, and Part Four — will survive.

Either party may terminate a services engagement by providing written notice as specified in the applicable SOW. On termination of an engagement, fees for work completed or in progress remain payable, and each party will return or destroy the other's confidential information on request.

THE SITE, WT TERMINAL, AND ALL CONTENT AND ANALYSIS ARE PROVIDED “AS IS” AND “AS AVAILABLE”, WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL IMPLIED WARRANTIES, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT.

We do not warrant that the Site or the products will be uninterrupted, timely, secure, or error-free, that any analysis will be accurate or complete, or that any result will be achieved. No advice or information you obtain from us creates any warranty not expressly stated here.

Results described from past professional-services engagements are illustrative and are not guarantees of future performance.

Some jurisdictions do not allow the exclusion of implied warranties, so some of the above may not apply to you.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WT DIGITAL WILL NOT BE LIABLE FOR ANY TRADING OR INVESTMENT LOSS, LOST PROFITS, LOST DATA, LOSS OF BUSINESS OPPORTUNITY, OR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO YOUR USE OF, OR RELIANCE ON, THE SITE OR OUR PRODUCTS — EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY.

Our total aggregate liability for all claims relating to WT Terminal will not exceed the greater of (a) the total amount you paid us for WT Terminal in the 12 months before the event giving rise to the claim, or (b) US$100.

Our total aggregate liability for all claims relating to a professional-services engagement will not exceed the total fees paid by the client for the specific engagement giving rise to the claim during the 3 months preceding the claim.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited, including liability for fraud or fraudulent misrepresentation, or for death or personal injury caused by negligence. Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

You agree to defend, indemnify, and hold harmless WT Digital and its contractors, agents, and successors from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising from or related to your violation of these Terms or of any applicable law, or your infringement of any third-party right.

If you are a professional-services client, this also covers: your use or misuse of any deliverable, system, or automation we build for you; content, data, or materials you provide to us that infringe any third-party intellectual property, privacy, or other rights; your failure to obtain required consents for email marketing, SMS messaging, or automated calling; and your failure to comply with CAN-SPAM, the TCPA, GDPR, CCPA, or other applicable communications or data protection laws.

This section does not apply to a consumer to the extent applicable law does not permit it.

Please read this section carefully. It affects how disputes between us are resolved.

Before starting any formal proceeding, we each agree to try to resolve the dispute informally by contacting the other and negotiating in good faith for at least 30 days. Most disputes are resolved this way.

If we cannot resolve it, any dispute arising out of or relating to these Terms or our products will be resolved by binding individual arbitration administered by the American Arbitration Association. If you are a consumer, the AAA Consumer Arbitration Rules apply, we will pay the arbitration filing and arbitrator fees to the extent they exceed what you would pay to file in court, and the arbitration may be conducted remotely or in the county where you live. For professional-services clients, the AAA Commercial Arbitration Rules apply and the seat is Chattanooga, Tennessee.

Small claims. Either of us may instead bring an individual claim in small claims court if it qualifies.

No class actions. Disputes will be arbitrated only on an individual basis. Neither of us may bring a claim as a plaintiff or class member in a class, consolidated, or representative action. If this paragraph is held unenforceable as to a particular claim, that claim will proceed in court and the rest of this section still applies to all other claims.

Your right to opt out. You may opt out of arbitration by emailing hello@wtdigital.org with the subject line “Arbitration Opt-Out” within 30 days of first accepting these Terms. Opting out will not affect your account or your use of the products in any way, and we will not treat you differently for it.

Nothing here prevents either of us from seeking injunctive relief in court to protect intellectual property or to stop unauthorised access.

These Terms are governed by the laws of the State of Tennessee, without regard to its conflict of law provisions. Where arbitration does not apply, any proceeding will be brought in the state or federal courts located in Hamilton County, Tennessee, and you consent to jurisdiction and venue there.

If you are a consumer, this does not deprive you of the protection of any mandatory consumer-protection law of the state or country where you live, and it does not prevent you from bringing proceedings there where the law gives you that right.

We may update these Terms. If a change is material — for example a change to fees, to the arbitration section, or to how we may use your information — we will give you at least 30 days' notice by email to the address on your account, or by a notice in the product, before it takes effect. If you do not agree, you may close your account before the change takes effect, and we will refund the unused portion of anything you have paid.

Non-material changes take effect when posted. We will always update the “Last updated” date above. Changes will not apply retroactively to a dispute that arose before they took effect.

We are not liable for any delay or failure to perform resulting from causes beyond our reasonable control, including third-party API or platform outages, acts of God, public health emergencies, internet or telecommunications failures, cyberattacks originating from third parties, or changes in law that prevent performance. Where such an event continues for more than 60 days, either party may terminate the affected engagement without penalty, subject to payment for work completed.

Severability. If any provision is found invalid or unenforceable, it will be modified to the minimum extent necessary or severed, and the remaining provisions continue in full force.

No waiver. Our failure to enforce any provision is not a waiver of it.

Assignment. You may not assign these Terms without our written consent. We may assign them to a successor in connection with a merger, acquisition, or sale of assets, on notice to you.

Third-party links and services. The Site may link to or rely on third-party websites and services. We do not control them and accept no liability for them. Linking does not imply endorsement.

Entire agreement. These Terms, together with the Privacy Policy, the Disclosures, and any applicable SOW, are the entire agreement between us on their subject matter.

Questions about these Terms? Contact us at:
Email: hello@wtdigital.org
Website: wtdigital.org