Terms & Privacy Policy
Please read these terms and our privacy policy carefully before using our services.
Terms of Service
Last updated: March 25, 2026
1. Acceptance of Terms
By accessing or using the website and services provided by Vanguard AI Analytics, Inc. ("VAI Analytics," "we," "us," or "our"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.
2. Description of Services
VAI Analytics provides financial technology solutions, including but not limited to robo advisory platforms, research intelligence tools, portfolio analytics, and market data services. Our services are designed for licensed brokerages and financial institutions operating in the Philippine capital markets.
3. Use of Services
You agree to use our services only for lawful purposes and in accordance with these terms. You shall not:
- Use our services in violation of any applicable Philippine or international law or regulation
- Attempt to gain unauthorized access to our systems, networks, or data
- Reproduce, distribute, or create derivative works from our proprietary technology without written consent
- Use our services to manipulate markets or engage in fraudulent activities
4. Intellectual Property
All content, technology, software, algorithms, designs, and materials available through our services are the intellectual property of VAI Analytics and are protected by Philippine intellectual property laws and international treaties. Nothing in these terms grants you any right, title, or interest in our intellectual property except as expressly stated.
5. Financial Disclaimer
VAI Analytics provides technology platforms and tools to licensed financial institutions. We are not a registered broker, dealer, or investment advisor. Our technology and any outputs generated by our platforms (including robo advisory recommendations) do not constitute financial advice. All investment decisions are made at the sole discretion and risk of the end user and the licensed brokerage partner. Past performance does not guarantee future results.
6. Limitation of Liability
To the maximum extent permitted by Philippine law, VAI Analytics shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or business opportunities arising from or related to your use of our services. Our total liability for any claim arising from these terms or our services shall not exceed the amount paid by you to us in the twelve (12) months preceding the claim.
7. Confidentiality
Both parties agree to maintain the confidentiality of any proprietary or sensitive information exchanged during the course of the service relationship. This obligation survives termination of these terms.
8. Termination
We reserve the right to suspend or terminate your access to our services at any time, with or without cause, upon reasonable notice. Upon termination, all rights granted to you under these terms will immediately cease.
9. Governing Law
These terms shall be governed by and construed in accordance with the laws of the Republic of the Philippines. Any disputes arising from these terms shall be resolved through the courts of Makati City, Metro Manila, Philippines.
10. Changes to Terms
We may update these terms from time to time. We will notify you of any material changes by posting the updated terms on this page with a revised "Last updated" date. Your continued use of our services after changes are posted constitutes acceptance of the updated terms.
Privacy Policy
Last updated: March 25, 2026
1. Introduction
Vanguard AI Analytics, Inc. ("VAI Analytics") is committed to protecting your privacy and personal data in compliance with the Philippine Data Privacy Act of 2012 (Republic Act No. 10173) and its Implementing Rules and Regulations. This Privacy Policy describes how we collect, use, store, and protect your information.
2. Information We Collect
Information you provide to us:
- Contact information (name, email address, phone number, company name)
- Business information provided through inquiry or contact forms
- Communication records when you correspond with us
Information collected automatically:
- Device and browser information (browser type, operating system)
- Usage data (pages visited, time spent, referring URLs)
- IP address and approximate location
- Cookies and similar tracking technologies
3. How We Use Your Information
We use the information we collect to:
- Respond to your inquiries and provide customer support
- Deliver, maintain, and improve our services
- Send relevant communications about our products and services
- Analyze website usage to improve user experience
- Comply with legal obligations and regulatory requirements
- Protect against fraud and unauthorized access
4. Data Sharing and Disclosure
We do not sell your personal data. We may share your information with:
- Service providers who assist us in operating our business (hosting, analytics, communication tools), subject to confidentiality agreements
- Regulatory authorities or law enforcement when required by Philippine law
- Professional advisors (legal, accounting) as necessary for our business operations
5. Data Security
We implement appropriate technical and organizational security measures to protect your personal data against unauthorized access, alteration, disclosure, or destruction. These measures include encryption, access controls, and regular security assessments. However, no method of electronic storage or transmission is 100% secure, and we cannot guarantee absolute security.
6. Data Retention
We retain your personal data only for as long as necessary to fulfill the purposes for which it was collected, or as required by applicable laws and regulations. When data is no longer needed, we securely delete or anonymize it.
7. Your Rights
Under the Philippine Data Privacy Act, you have the right to:
- Access — Request a copy of the personal data we hold about you
- Correction — Request correction of inaccurate or incomplete data
- Erasure — Request deletion of your personal data, subject to legal retention requirements
- Object — Object to the processing of your personal data in certain circumstances
- Data Portability — Request your data in a structured, machine-readable format
To exercise any of these rights, please contact us using the information below.
8. Cookies
Our website uses cookies and similar technologies to enhance your browsing experience and collect analytics data. We use Vercel Analytics for website performance monitoring. You can manage cookie preferences through your browser settings.
9. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party websites you visit.
10. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. Any updates will be posted on this page with a revised "Last updated" date.
11. Contact Us
If you have any questions about this Privacy Policy, your personal data, or wish to exercise your data privacy rights, please contact us at:
Vanguard AI Analytics, Inc.
Reach out to us through our Contact Us page.