Terms of Service

1. Who we are and what Veyora is

These terms are an agreement between you and Veyora Technologies, Inc., a Delaware corporation in the United States (we, us, Veyora). They govern your use of Veyora, the website at veyora.ai, and everything we provide through them (together, the service). By creating an account or using the service you accept these terms. When you buy a plan or a credit pack you also accept the Refund Policy, which is linked at checkout and is part of these terms for that purchase. The Privacy Policy explains how we handle your personal data; it is not a contract you accept, and it applies to you whether or not you hold an account. If you do not agree to these terms, do not use the service.

Veyora is a research and analysis product for prediction markets. It reads public market data from Kalshi, an exchange, and shows it beside news, history and an AI assistant so you can understand what a market expects and why. Veyora is not affiliated with Kalshi.

Veyora is not an exchange, a broker, a dealer, an investment adviser or a money transmitter. We hold no customer funds. We place no orders. We execute no trades. We have no connection to your Kalshi account and we cannot see your positions. The product carries a link labelled "Open on Kalshi" that takes you to the contract's own page on kalshi.com. That link carries no price, no side and no size. What you do on Kalshi is between you and Kalshi, under Kalshi's terms.

Trading on a prediction market involves a risk of loss and is regulated. You are responsible for knowing whether you may trade where you live and for complying with your local law and with the exchange's own rules. We are not responsible for the exchange, its availability, its pricing or its decisions.

Market data can be delayed. When the data we show is older than it should be, the product marks it delayed rather than presenting it as current. The product is built to show freshness, staleness and outages rather than hide them.

2. Who may use the service

US customers only: residents and businesses in the 50 states or Washington, DC. US territories are not supported. Before activating Free or purchasing, you must confirm your US residence or business location. Signing in establishes your identity; it does not by itself activate the product. Keep your declaration and billing address accurate and contact support if your residence or business location changes. A US card, citizenship or a Kalshi account does not replace this requirement. Public information, support and account-management controls remain available if you cannot activate the product.

To use the service you must:

• be at least 18 years old, or the age of majority where you live if that is higher;
• be able to form a binding contract with us;
• not be barred from using the service under the laws of any place that applies to you;
• not be a person, or act for a person, with whom United States persons are prohibited from dealing under United States sanctions or export-control laws.

The service is not directed to children. We do not knowingly collect information from anyone under 18. If we learn that an account belongs to someone under 18, we delete it.

3. Your account

You sign in with a verified email address or with Google. An email sign-in is a single-use link that expires after 15 minutes. There are no passwords. If you use Google, Google must report your address as verified before we accept it. Each person may hold one account. You may not share an account or let anyone else use yours.

Because your email address is your key, you are responsible for keeping your email account and your devices secure. Anyone who can read your email can sign in as you. You can see every active session and end any of them in Settings, Account. Sign out everywhere ends all of them at once. Tell us at hello@veyora.ai if you believe your account has been used without your permission.

Enrollment may be closed. While Veyora runs as a private preview, only invited addresses can create an account, and the sign-in page says so. When enrollment is open, we may limit how many accounts can be created from one network source in an hour to prevent abuse. If that limit is reached, your sign-in link may stop working; wait an hour and request a new one, or write to hello@veyora.ai.

We may refuse to open an account, and we may suspend or close an account that breaks these terms, as described under Ending the agreement.

4. Plans, credits and billing

The Free plan. Unless we have arranged otherwise with you, a new account starts on the Free plan. It costs nothing and needs no card. It includes 10 credits each calendar month. Paid plans (Casual, Serious and Professional) add allowances and features. Enterprise is arranged by conversation through our contact page. Current prices and what each plan includes are on the pricing page. The pricing page is part of these terms for the plan you choose.

What a credit is. A credit is the unit of assistant work. One credit covers 10,000 tokens of model work, which is about one standard answer. A quick answer usually costs one credit; a deep answer costs several. Work is counted in whole credits: we round up, and every completed answer costs at least 1 credit. We measure work by the usage the AI provider reports for your request. Before paid work starts we set aside the most it could cost in credits. When it finishes we charge what it actually cost, rounded up to a whole credit. If it fails, we give back everything we set aside and charge nothing. If an answer stops before it is finished, because you stopped it or because it reached the time limit for one answer, we charge only for the part that reached you, rounded up to a whole credit, and give back the rest.

Credits are not money. They have no cash value. They cannot be transferred, sold, redeemed for cash or exchanged, and they are not refundable except as the Refund Policy says. Included credits expire at the end of the calendar month that granted them. Purchased credits never expire. Included credits are spent before purchased ones. We may change how a credit is measured. We give notice first, and a change takes effect at the start of a calendar month or, for a subscription, at the start of a period, never in the middle of one.

Credit packs. A pack is a one-off purchase of credits. Credits you buy in a pack are purchased credits: they never expire, so an unused pack keeps its value.

Subscriptions. A paid plan is a subscription that renews automatically. It renews for the same term you chose, one month or one year, at the price shown at checkout unless we have changed it under Price changes below, until you cancel it. You are charged when you subscribe and again at each renewal, on the same date each month or each year (or the last day of a shorter month). Each month or year you have paid for is a period. You can cancel online at any time from Settings, Plan & billing, without contacting us; cancelling stops future charges, and your paid access ends at the end of the period you are in.

• Upgrade. An upgrade takes effect immediately. The payment provider calculates the difference for the rest of the period you are in and charges it now; if that payment cannot be taken, your plan does not change. Once it succeeds, your included credits for the current month are topped up to the new plan's allowance.
• Downgrade. A downgrade takes effect at the end of the period you are in. You keep your current plan until then.
• Cancel. Cancel from Settings, Plan & billing: press Cancel subscription and confirm. Cancelling stops future charges. Your paid access ends at the end of the period you are in, you keep it until then, and your account then moves to the Free plan. You can reactivate before that date, unless we stopped the renewal under the reminder rule below. Your plan's included credits end with the period. Purchased credits stay in your account.
• Renewal reminders. If you pay yearly, we email you a reminder at least 30 days and at most 38 days before each renewal, stating the plan, the price, how often you are charged and how to cancel. If we cannot confirm that the reminder was accepted for delivery at least 30 days before the renewal, we do not charge it: your subscription is set to end at the end of the period you are in, you keep your paid access until then, and you can start a new subscription afterwards. A subscription stopped this way cannot be reactivated or changed for that period; write to hello@veyora.ai if you think it was stopped in error.
• Pause. A pause takes effect at the end of the period you are in. While paused, billing stops and your plan's included credits stop; your account uses the Free plan and receives its 10 credits a month instead. Purchased credits stay in your account while you are paused. Resuming starts a new period and charges for it at once; your plan returns when that payment succeeds, and if it fails you stay on Free.
• Failed payment. If a renewal payment fails, you keep paid access for up to 7 days while the payment provider retries. If no retry succeeds, your account moves to the Free plan; a retry that succeeds after that restores your plan and is the renewal charge for the period. If the provider ends the subscription instead, you can start a new one from Settings, Plan & billing. Nothing is deleted.
• Trials. There are no free trials.

Payment. Payments are processed by Stripe. Stripe collects and holds your card details; Veyora never sees or stores a card number. By subscribing or buying a pack you authorise Stripe to charge your payment method for the amount shown at checkout and, for a subscription, for each renewal. Tax may be added to or included in the price, as the checkout page states for your location.

If you live in the European Union or the United Kingdom. Enrollment is US-only; if mandatory EU or UK consumer law nevertheless applies to your purchase, you have a right to withdraw from it within 14 days. Paid features are available the moment your payment succeeds, so by completing a purchase you ask us to begin providing the service during that period. You acknowledge that the right of withdrawal is lost once the service has been fully performed, and that if you withdraw after partial performance you may owe a proportionate amount for what was provided. The Refund Policy says how to exercise it. Nothing here limits any right your local law gives you.

Price changes. We may change the price of a plan. A new price takes effect at the first renewal charged at it, and never applies to a period you have already paid for. We email you, at the address on your account, at least 14 days and no more than 30 days before that renewal, stating the new price and how to cancel. If you keep your subscription past that renewal, you accept the new price. If you do not accept the new price, cancel before the renewal from Settings, Plan & billing and you will not be charged it.

Refunds are covered by the Refund Policy.

5. The assistant and other AI features

The assistant is an AI model. When you ask it a question, three things are sent to an AI provider, currently OpenAI: your message, the recent conversation, and a dossier for the market. The dossier holds the market's price, history, order book, rules, stored news and catalysts. The provider generates the answer. The model can be changed. The Privacy Policy describes what is sent and how it is handled.

The assistant may hold views. It reasons about probabilities, weighs evidence, builds scenarios and may argue that a market's price does or does not fit the evidence. It states its uncertainty. Its analysis is general, about the market and not about you: it knows nothing about your positions, your funds or your circumstances unless you type them into a message, and it does not give personalised directions about what to trade, how much to stake or which side to take. It does not promise outcomes. It is not a licensed adviser of any kind, and nothing it says is a professional opinion given to you by Veyora Technologies, Inc. or anyone who works for us.

AI output may be wrong. The assistant can misread data, misattribute a figure, miss a relevant fact or reason badly. Under every answer the product lists the sources it consulted, how fresh each one was, and whether any of them was delayed or unavailable. Check anything you intend to rely on. Every decision you make, including whether and how to trade, is yours and yours alone.

News research. The product can gather cited news coverage for a market. This sends the market's question, its rules, its current price and how long it has until it resolves, and no personal data, to a search provider. Paid plans include a monthly number of news refreshes. Once that number is used, a further refresh costs 5 credits, and the product shows that cost before you press the control. The Free plan does not include news research. Excerpts are quotations from their publishers and are attributed as such.

Market briefs. Where offered, you may choose to receive an email, daily or weekly, stating what changed across the markets you track. A brief is sent only on days something happened: a tracked market resolved, moved against the price you were last told, is about to resolve, or gained cited coverage. Briefs are off unless you turn them on, in Settings, App preferences or from the one-time offer in the product. Every brief carries an unsubscribe link. Every brief is built the same way for every reader. It does not watch for conditions you set, and it does not tell you what to do. We keep a delivery record for each brief for 90 days, except the most recent one, which we keep as the baseline your next brief is compared against while briefs remain enabled; after you turn briefs off it follows the same 90-day cleanup, as the Privacy Policy describes.

Contract explainer. Where available, the product shows an AI-written plain-language reading of a market's rules, generated from the market's question and rule text only. It is shown beside the exact rule and is dated. The exchange's rule text is the one that governs the contract; the explainer is a reading aid and may be wrong.

6. Your content

Your content is everything you create in the service: your models and forecasts, notebooks and the code in them, chat threads, workflows and projects, saved screens, analysis runs and any file you add to a notebook, together with anything from an earlier version of the service still held in your workspace. You own your content.

You grant Veyora Technologies, Inc. a limited, non-exclusive, worldwide licence to store, copy, sync between your devices and display your content to you, and to process it as needed to provide the service to you. This licence exists only to run the service for you. It ends when you delete the content or your account, subject to the retention periods in the Privacy Policy.

We do not use your content to train AI models. We send assistant requests to the provider with storage turned off, and the published API terms of our providers, OpenAI and Perplexity, said at the time of writing that what we send through the API is not used to train their models. Those are their terms, not ours, and they can change them. The conversation itself, meaning your messages and the recent history of the thread, is sent to the AI provider so it can answer you, as described under The assistant. The rest of your workspace, your models and forecasts, notebooks, files, saved screens, workflows and analysis runs, is never sent to the AI provider on its own. There are three exceptions, and each begins with a button you press: Discuss this result on an analysis card, Discuss this output in chat on a notebook cell, and Run it on an analysis the assistant offered, whose result is sent back to the assistant when the run finishes. A result that read your saved model or journal, a file you added, or an input pre-filled from your saved estimate is refused rather than sent.

Notebooks run in your browser. Code you write in a notebook, in JavaScript or Python, runs on your own device, not on our servers. Files you add to a notebook stay in your browser and are never uploaded. You are responsible for the code you run and for any effect it has on your device and your data. We provide the runtime as is.

Where your content lives. Your content is kept in your browser first and mirrored to your account when you are signed in. Some things live only in the browser and are never mirrored: unsaved notebook drafts, files you add to a notebook, the list of markets you recently viewed and recovery copies. If you clear your browser's storage, sign out and clear the device, or use a browser you have not signed in on, those items are gone. Export your data from Settings, Local data before you clear anything you want to keep.

You are responsible for your content. You must have the right to store and use anything you put into the service, and your content must not break the law or these terms.

7. Acceptable use

You may use the service only for lawful purposes and only as these terms allow. You must not:

• use the service to break any law or regulation, or to help anyone else do so;
• circumvent, disable or overload rate limits, plan limits, credit metering or any other protective measure;
• scrape, crawl, bulk-extract, mirror or resell data from the service, or use it to build a competing data product;
• access the service by automated means outside the product itself, including scripts, bots or unofficial clients;
• reverse engineer, decompile or attempt to extract the source code of the service, except where the law expressly allows it;
• share your account, use another person's account, or hold more than one account;
• interfere with the service, probe or test its security without our written permission, or introduce malicious code;
• use the service or its output to break the rules of any exchange, including rules on market manipulation or insider trading;
• use the assistant to produce content that is unlawful, that infringes another person's rights, or that is intended to deceive or harm;
• misrepresent who you are or your relationship to us.

We may investigate suspected misuse and take any action we consider appropriate, including limiting features, suspending or closing the account, and reporting to the authorities where the law requires it.

8. Intellectual property and data

The service is ours. Veyora Technologies, Inc. owns the service, including its software, design, text, trademarks and everything we produce, apart from your content and the third-party data described below. Nothing in these terms transfers any of it to you.

Market data belongs to its sources. Prices, order books, trades, histories, rules and event details come from Kalshi and its sources and remain theirs. We show them to you for your own research, within the licence to use the service below. You may not redistribute or resell them.

News excerpts are quotations. Coverage shown in the product is quoted from and attributed to its publisher. The publisher owns it. We show it as evidence, not as our own writing, and we do not edit a publisher's words.

Third-party names. Kalshi and the other third-party names that appear in the service are the trademarks of their owners. We use them only to identify those parties and their products, and no affiliation, sponsorship or endorsement is implied.

Your licence to use the service. We grant you a personal, non-exclusive, non-transferable, revocable licence to use the service for your own research, subject to these terms. We may revoke it if you break these terms. Anything not expressly granted is reserved.

Feedback. If you send us ideas or suggestions, we may use them without any obligation to you.

9. Ending the agreement

You can leave at any time. Delete your account from Settings, Account. Because deletion is permanent, it requires a sign-in no older than 15 minutes; if yours is older, the product asks you to sign in again first. If you have a live subscription, we cancel it with the payment provider before we delete anything, so you cannot be charged for an account that no longer exists. If the cancellation cannot be confirmed, the deletion is refused and you can try again shortly. Deletion removes the account, its sessions, its workspace mirror and its live billing record in one operation. Restricted financial and consent evidence, unresolved support cases and short-lived erasure records remain for the periods in the Privacy Policy; they are not anonymous. Stripe keeps its own payment records. Deletion does not waive refund or dispute rights. Where email delivery is configured, we send a confirmation to your email address.

We may suspend or close your account if:

• you break these terms;
• the law or a legal process requires it;
• your use creates risk or harm to us or to others;
• we discontinue the service.

Where it is practicable we give you notice first and a chance to export your data. Where the breach is serious or the law requires it, we may act immediately.

When the agreement ends, your licence to use the service and our licence to your content end. We delete your data as the Privacy Policy describes. Any amounts already charged are not refunded except as the Refund Policy provides. The sections of these terms that by their nature should survive, including those on intellectual property, what we do not promise, limits on what we owe you, when you must cover our costs, and disputes, continue to apply.

10. What we do not promise

The service is provided as is and as available. To the fullest extent the law allows, we disclaim all warranties, express or implied, including any warranty of accuracy, completeness, availability, merchantability, fitness for a particular purpose and non-infringement.

We do not promise that market data is current, complete or correct. Delays and outages happen, at the exchange and at our providers, and the product marks them when it can. We do not promise that the assistant, the news research, the briefs or the explainer are accurate. AI output can be wrong. Nothing in the service is a promise about any market outcome or any trading result.

Nothing in the service is an offer or solicitation to buy or sell any contract, and nothing in it is professional, financial, legal or tax counsel. Veyora is not a party to any trade you make and has no responsibility for the exchange.

11. Limits on what we owe you

To the extent permitted by law, Veyora Technologies, Inc. and its officers, directors, employees and contractors are not liable to you for any indirect, incidental, special, consequential or punitive damages. The same applies to any loss of profits, revenue, data, trading gains or goodwill. This covers anything arising out of or in connection with the service or these terms, however it was caused and under any theory of liability, even if we were told such damages were possible.

To the extent permitted by law, our total liability to you for all claims arising out of or in connection with the service or these terms is capped. The cap is the greater of two amounts: what you paid us in the 12 months before the claim arose, and one hundred United States dollars (US$100).

Trading losses are the clearest example: because we do not trade for you and cannot see your positions, we are not liable for any loss you incur on any exchange, whatever role information from the service played in your decision.

Nothing in these terms excludes or limits liability that cannot be excluded or limited by law. That includes liability for death or personal injury caused by negligence, for fraud, and under mandatory consumer protection law where you live. If you are a consumer, you keep every right that your local law gives you.

12. When you must cover our costs

You agree to defend, indemnify and hold harmless Veyora Technologies, Inc. and its officers, directors, employees and contractors from any claim, loss, liability, damage or expense, including reasonable legal fees, brought by a third party. This applies where the claim arises from your breach of these terms, your unlawful use of the service, or content you put into the service that you had no right to use. We may take over the defence of any matter covered by this section, and you agree to cooperate with us if we do. This section does not apply to the extent that mandatory consumer protection law where you live does not allow it.

13. Changes to the service

We improve the service continually and may add, change or remove features, including features a plan includes, for reasons such as security, reliability, cost, a change at a data provider or the law. We do not remove the research purpose these terms describe.

A change that removes or materially reduces something your paid plan includes is a change that matters to you. We tell you at least 14 days before it takes effect, by email to the address on your account, in the product, or both. You may then cancel from Settings, Plan & billing before it takes effect and you will not be charged again. Nothing here limits any right your local law gives you where a change materially reduces what you have paid for.

Veyora may run as a private preview, in which case the sign-in page says so and features may change more often. The notice rule above still applies to a paid plan.

14. Changes to these terms

We may change these terms. The version number and the effective date appear at the top of the document, so you always know which version applies. A change matters to you when it adds a right or an obligation or alters a commercial term. We tell you at least 14 days before it takes effect, by email to the address on your account, in the product, or both. A change that the law requires may take effect immediately, and we tell you as soon as we can.

The product may ask you to accept the new version before you continue. If you do not agree to a change, stop using the service and delete your account before the change takes effect. If you are on a paid plan and do not agree to a change that matters, cancel your subscription from Settings, Plan & billing, which stays open to you, and email hello@veyora.ai within 30 days after the change takes effect saying that you are cancelling because of it: we refund the part of the period you had paid for that falls after the change took effect, pro rata by days, as the Refund Policy states. Using the service after the effective date means you accept the new terms.

Wording fixes that do not change what the terms mean do not change the version number.

15. Disputes and governing law

Talk to us first. If you have a problem with the service, email hello@veyora.ai and describe it. We will try to resolve it with you informally. Both of us agree to give that at least 30 days from the day you write to us before starting any formal proceeding.

Governing law. These terms and any dispute arising out of or in connection with them or the service are governed by the laws of the State of Delaware, United States, without regard to its conflict-of-law rules.

Courts. If a dispute cannot be resolved informally, it is heard in the state and federal courts located in the State of Delaware, and both of us submit to the jurisdiction of those courts. These terms contain no arbitration clause and no waiver of your right to bring a claim in court.

Either of us may bring a claim that qualifies in a small-claims court, and either of us may seek an urgent court order to protect our rights at any time. The 30-day informal period does not shorten any time limit the law gives you for bringing a claim.

Consumer rights. If you are a consumer, nothing in this section takes away the mandatory laws of the country where you live. Where those laws give you the right to bring a claim in the courts of that country, you keep it.

16. Other terms that apply

• Entire agreement. These terms, the Refund Policy and the pricing page for the plan you choose are the whole agreement between you and Veyora Technologies, Inc. about the service. They replace any earlier agreement or statement about it. If we make a separate written agreement with you for a plan arranged by contact, that agreement governs where the two differ. The Privacy Policy describes our data practices and sits beside them.
• Severability. If any part of these terms is found invalid or unenforceable, that part is applied to the extent the law allows and the rest stays in force.
• No waiver. If we do not enforce a part of these terms, we have not given up the right to enforce it later.
• Assignment. We may transfer our rights and obligations under these terms to a successor, for example if Veyora Technologies, Inc. is acquired or merges, and we will tell you if that happens. You may not transfer your account or your rights under these terms to anyone else.
• No third-party beneficiaries. These terms are for you and us only. Nobody else may enforce them, apart from the people we name in the sections on limits on what we owe you and when you must cover our costs.
• Notices. We send notices to the email address on your account, and you are responsible for keeping it current. You agree that we may give you notices, confirmations and other records about your account electronically, by email to that address or in the product, and that an email counts as notice in writing. You send notices to us at hello@veyora.ai. A notice by email counts as received on the day it is sent, unless the sender learns that it was not delivered.
• Events outside our control. We are not responsible for a failure or delay caused by events outside our reasonable control, including outages at the exchange or at our providers.
• Language. These terms are written in English. If they are translated, the English version governs.
• Reading these terms. Headings are for convenience only and do not affect meaning. "Including" means "including without limitation", and an example does not narrow the rule it illustrates.

17. Contact

Questions about these terms go to Veyora Technologies, Inc. using the contact details below, or through the contact page. Write from the email address on your account so we can tell it is you.

If you live in California. Under California Civil Code section 1789.3 you may report a complaint about the service to the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs. Write to 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or telephone (800) 952-5210. Our own name and contact details appear below.