Terms of Service

vigcheck is an AI-powered financial analysis platform that processes bank transaction data to identify, categorize, and analyze gambling-related financial activity. The Service provides transaction categorization, net win/loss calculations, behavioral pattern analysis, narrative reports, and data visualizations. The Service is offered in the following capacities:

• Individual Users (B2C): Personal gambling financial analysis, behavioral tracking, and AI-assisted insights.
• Legal Professionals (B2B): Litigation-support reports with court-ready formatting, audit trails, and methodology documentation.
• Clinical Professionals (B2B): Behavioral data reports to supplement clinical assessment workflows for gambling disorder treatment.

The Service accepts financial data through the following methods: (a) manual upload of bank statements in PDF or CSV format; (b) bank account connection via third-party data aggregation services such as Plaid (when available); and (c) manual transaction entry.

vigcheck uses artificial intelligence, including third-party large language models provided by OpenAI and Anthropic, to categorize transactions, detect behavioral patterns, and generate analysis reports. ALL OUTPUTS PRODUCED BY THE SERVICE, INCLUDING BUT NOT LIMITED TO TRANSACTION CLASSIFICATIONS, PLATFORM IDENTIFICATIONS, BEHAVIORAL RISK FLAGS, NARRATIVE REPORTS, NET WIN/LOSS CALCULATIONS, AND LITIGATION REPORTS, ARE AUTOMATED ESTIMATES GENERATED BY AI SYSTEMS. They are not certified financial statements, audits, forensic analyses, or expert opinions.

AI classifications are probabilistic in nature. The system may produce false positives (classifying a non-gambling transaction as gambling) or false negatives (failing to identify a gambling transaction). Behavioral pattern detection relies on algorithmic analysis of transaction timing, amounts, and frequency, and may not accurately reflect your actual behavior or intent.

While vigcheck employs commercially reasonable efforts to maintain classification accuracy, we do not guarantee that any analysis, report, or output will be complete, accurate, current, or error-free. The accuracy of results depends directly on the quality, completeness, and authenticity of the data you provide.

Litigation-ready PDF reports generated by the Service are intended to support legal analysis conducted by qualified attorneys. They are designed to organize and present financial transaction data in a structured format with methodology documentation and audit trail information.

vigcheck does not serve as an expert witness, provide testimony, or participate in legal proceedings on behalf of any user. We do not guarantee that any report will be accepted by courts, regulatory bodies, tribunals, opposing counsel, or any other adjudicative body. Admissibility of AI-generated evidence is subject to evolving legal standards, including Federal Rule of Evidence 702 and the proposed Rule of Evidence 707 governing AI-generated evidence.

All litigation reports must be reviewed by a qualified attorney before use in legal proceedings. The attorney is responsible for determining the report’s fitness for the specific legal context, supplementing it with independent expert analysis as appropriate, and ensuring compliance with applicable rules of evidence and procedure.

Each litigation report includes a methodology section describing the AI models, classification logic, and confidence thresholds used. vigcheck publishes this methodology to support reproducibility and expert review. However, vigcheck is not obligated to produce source code, algorithmic weights, proprietary prompts, or trade secret information in response to discovery requests, subpoenas, or other compulsory process directed at vigcheck.

You must create an account to use the Service. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

You must immediately notify vigcheck at security@vigcheck.io if you become aware of any unauthorized use of your account or any security breach. vigcheck will not be liable for any loss arising from unauthorized use of your account where you have failed to maintain adequate security of your credentials.

You may terminate your account at any time through the account settings page or by contacting support@vigcheck.io. vigcheck may suspend or terminate your account at any time for violation of these Terms, suspected fraudulent activity, or for any other reason at our sole discretion, with notice where practicable. Upon termination, your right to use the Service ceases immediately. Data deletion following account termination is governed by Section 11 and our Privacy Policy.

The Service offers both free and paid tiers. Current pricing is displayed on the billing page within the Service and at vigcheck.io. Prices are stated in U.S. dollars unless otherwise indicated. vigcheck reserves the right to change pricing with thirty (30) days’ advance notice.

Paid subscriptions renew automatically at the end of each billing period (monthly or annually) unless you cancel before the renewal date. You may cancel at any time through the billing settings. Cancellation takes effect at the end of the current billing period; no partial refunds are provided for unused portions of a billing period.

Pricing for legal professionals, clinical professionals, and treatment programs is quoted individually and governed by the applicable service tier selected at registration or as set forth in a separate written agreement.

All fees are exclusive of applicable taxes. You are responsible for paying any sales tax, use tax, value-added tax, or similar tax imposed on your use of the Service by any governmental authority.

vigcheck retains your data according to the following schedule:

You may request deletion of your data at any time by contacting privacy@vigcheck.io or through the account settings. Deletion requests are processed within forty-five (45) days, with a possible forty-five (45) day extension for complex requests upon notice. Deletion is subject to the following exceptions: (a) data required for compliance with legal obligations; (b) data subject to a litigation hold; (c) audit logs required for regulatory compliance; and (d) data that has been anonymized and aggregated such that it can no longer be associated with you.

The Service, including all software, algorithms, AI models, prompts, user interface designs, documentation, and trademarks, is owned by vigcheck LLC and protected by United States and international intellectual property laws. Nothing in these Terms grants you any right, title, or interest in the Service except the limited license to use it as provided herein.

You retain all ownership rights to the bank statements, financial data, and other information you upload to the Service. By uploading data, you grant vigcheck a limited, non-exclusive, revocable license to process your data solely for the purpose of providing the Service to you. vigcheck does not claim ownership of your data and will not sell, share, or use your data for any purpose other than providing and improving the Service, as described in our Privacy Policy.

Reports and analyses generated by the Service using your data are jointly created outputs. You have a non-exclusive, perpetual license to use, copy, distribute, and modify any reports generated from your data for any lawful purpose, including submission in legal proceedings. vigcheck retains the right to use anonymized, aggregated patterns from report generation to improve its AI models and Service quality.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL VIGCHECK, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES ARISING FROM:

• INACCURATE TRANSACTION CLASSIFICATIONS OR BEHAVIORAL PATTERN ASSESSMENTS
• RELIANCE ON UNVERIFIED AI-GENERATED OUTPUTS
• USE OR REJECTION OF REPORTS IN LEGAL PROCEEDINGS
• CLINICAL DECISIONS MADE BASED ON VIGCHECK REPORTS
• LOSS OF DATA, REVENUE, PROFITS, OR BUSINESS OPPORTUNITIES
• UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR DATA

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, VIGCHECK’S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL AMOUNTS PAID BY YOU TO VIGCHECK IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM; OR (B) ONE HUNDRED U.S. DOLLARS ($100.00).

The limitations in this section apply regardless of the theory of liability (contract, tort, negligence, strict liability, or otherwise), even if vigcheck has been advised of the possibility of such damages. Some jurisdictions do not allow limitation of liability for certain types of damages. In such jurisdictions, vigcheck’s liability is limited to the maximum extent permitted by law.

These Terms are governed by and construed in accordance with the laws of the State of Wyoming, without regard to its conflict of law provisions.

Any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved by binding arbitration administered by the American Arbitration Association (“AAA”) under its Commercial Arbitration Rules. The arbitration shall be conducted in Cheyenne, Wyoming, or at a mutually agreed location, by a single arbitrator. The arbitrator’s decision shall be final and binding, and judgment on the award may be entered in any court having jurisdiction.

YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. You waive any right to participate in a class action against vigcheck.

Notwithstanding the foregoing, either party may seek injunctive or equitable relief in any court of competent jurisdiction to protect its intellectual property rights or to prevent irreparable harm. Claims arising under consumer protection statutes that prohibit pre-dispute arbitration agreements are also excluded to the extent required by applicable law.