Terms & Privacy

Terms and Conditions for Virgil Paper

Last updated: Wednesday, August 12, 2026

Questions about these Terms may be sent to support@ruggedx.ai.

1. Agreement and Eligibility

These Terms and Conditions ("Terms") govern your access to and use of the Virgil Paper website, platform, software, application environment, APIs, mobile applications, data tools, AI features, subscription features, and related services (collectively, the "Services"). By accessing the Services, creating an account, using the application environment at /app, or purchasing a subscription, you agree to these Terms, the Privacy Policy, the Regulatory & Risk Disclosures, and any other policy incorporated by reference. If you do not agree, do not access or use the Services.

You must be at least 18 years old, legally able to enter a binding contract, and permitted to use the Services under the laws that apply to you. If you use the Services on behalf of a company or other entity, you represent that you have authority to bind that entity.

2. Platform License and Intellectual Property

The Services, including the /app environment, software, source and object code, algorithms, models, prompts, interfaces, workflows, visual designs, databases, trademarks, logos, trade secrets, data compilations, documentation, and related technology, are owned by Virgil Paper or its licensors and are protected by intellectual property and proprietary rights laws.

Subject to your compliance with these Terms, Virgil Paper grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Services for your internal personal or business purposes as intended by Virgil Paper.

No ownership rights are transferred to you. All rights not expressly granted are reserved by Virgil Paper and its licensors. Unauthorized access, copying, scraping, extraction, circumvention, or competitive use may cause irreparable harm, and Virgil Paper may seek injunctive, equitable, technical, and legal remedies without posting bond where permitted by law.

You may not:

• Reverse engineer, decompile, disassemble, decrypt, or attempt to derive source code, algorithms, prompts, model logic, or trade secrets.
• Copy, modify, sell, lease, sublicense, distribute, frame, mirror, scrape, or commercially exploit any part of the Services.
• Use robots, crawlers, scrapers, automated collection tools, or data mining methods without prior written permission.
• Bypass security controls, authentication, rate limits, access controls, usage limits, or other protective measures.
• Share credentials, access tokens, API keys, sessions, or paid access with unauthorized third parties.
• Introduce malware, interfere with service integrity, overload infrastructure, or test security without written authorization.
• Use the Services to build, train, benchmark, or validate a competing product or service without written permission.
• Remove, alter, or obscure copyright, trademark, attribution, or legal notices.

3. Accounts and Security

You agree to provide accurate, current, and complete account information and to keep it updated. You are responsible for safeguarding your username, password, multi-factor authentication methods, connected brokerage credentials, API keys, and all activity under your account. Notify Virgil Paper immediately at support@ruggedx.ai if you suspect unauthorized access or credential compromise.

You may not access or use the Services if you are subject to applicable sanctions, located in an embargoed jurisdiction, barred from receiving the Services under applicable law, or using the Services for prohibited export, sanctions, market abuse, fraud, money laundering, or unlawful activity.

4. Subscriptions, Billing, and Taxes

Some Services require paid subscriptions or one-time purchases. By purchasing a paid feature, you authorize Virgil Paper and its payment processors to charge your selected payment method for applicable fees, renewals, and taxes. Subscriptions renew automatically unless cancelled before the renewal date through your account settings or another method provided by Virgil Paper.

Virgil Paper may change plans, pricing, features, limits, or billing periods with reasonable notice where required. If you do not accept a pricing or plan change, your remedy is to cancel before the change takes effect.

You consent to receive notices, disclosures, invoices, receipts, security alerts, policy updates, and other communications electronically through the Services, email, or account notices. Electronic communications satisfy any legal requirement that a communication be in writing, except where applicable law requires another method.

5. Refund and Chargeback Policy

Except where required by applicable law or expressly stated in writing by Virgil Paper, all purchases, subscription payments, renewal charges, and fees are final and non-refundable.

• No prorated refunds: Cancelling a subscription stops future renewals but does not create a refund, credit, or prorated adjustment for the current billing period.
• Access after cancellation: Unless your account is terminated for cause, access generally continues until the end of the paid billing period.
• Termination for breach: If your access is suspended or terminated because you violated these Terms, remaining paid time may be forfeited.
• Billing disputes: Contact support@ruggedx.ai before initiating a chargeback so we can investigate. Improper chargebacks may result in account suspension and recovery of fees, costs, and amounts owed where permitted by law.

6. Financial, Trading, and AI Disclaimers

Virgil Paper provides software, market research tools, data processing, analytics, AI summaries, and educational information. Virgil Paper is not a broker-dealer, investment adviser, commodity trading adviser, financial planner, tax adviser, exchange, custodian, or fiduciary. The Services do not provide individualized financial, investment, legal, accounting, or tax advice.

No score, signal, thesis, chart, forecast, portfolio metric, alert, AI response, strategy output, or data feed constitutes a recommendation, solicitation, offer, or instruction to buy, sell, hold, short, hedge, or trade any security, option, cryptocurrency, futures contract, foreign exchange product, prediction market contract, or other asset.

Trading and investing involve substantial risk, including possible loss of principal. AI models, LLM summaries, market data, broker APIs, pricing feeds, backtests, simulations, and calculations may be incomplete, delayed, inaccurate, unavailable, or wrong. You are solely responsible for independent research, risk management, suitability determinations, order review, tax consequences, and all trading or investment decisions.

The Regulatory & Risk Disclosures are incorporated into these Terms by reference. If there is a conflict between a general statement in the Services and these Terms or the Regulatory & Risk Disclosures, the risk-limiting and liability-limiting language controls to the fullest extent permitted by law.

7. Third-Party Services and Brokerage Connections

The Services may integrate with third-party services such as brokerages, market data providers, payment processors, analytics tools, cloud providers, identity providers, and notification services. Third-party services are governed by their own terms and policies. Virgil Paper is not responsible for third-party outages, execution failures, data delays, inaccurate quotes, rejected orders, brokerage restrictions, fees, margin calls, account actions, or losses caused by third-party systems.

8. User Content and Feedback

You retain ownership of content, data, feedback, comments, files, prompts, or other materials you submit ("User Content"). You grant Virgil Paper a worldwide, non-exclusive, royalty-free, sublicensable license to host, store, process, display, reproduce, modify, and use User Content as needed to operate, secure, support, improve, and provide the Services. You represent that you have all rights necessary to submit User Content and that it does not violate law or third-party rights.

If you submit ideas, suggestions, requests, or feedback, you grant Virgil Paper a perpetual, irrevocable, worldwide, royalty-free right to use them without restriction or compensation. Do not submit confidential information unless a separate written agreement signed by Virgil Paper expressly covers that disclosure.

9. Suspension, Termination, and Service Changes

Virgil Paper may modify, suspend, restrict, or discontinue any part of the Services at any time. We may suspend or terminate access if we believe you violated these Terms, created risk, failed to pay amounts owed, infringed rights, abused the platform, or used the Services unlawfully. Upon termination, your license to use the Services ends immediately.

10. Disclaimer of Warranties

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT PERMITTED BY LAW, Virgil Paper DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, SECURITY, TIMELINESS, PROFITABILITY, AND ERROR-FREE OPERATION.

11. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, Virgil Paper AND ITS OWNERS, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AFFILIATES, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE, OR ENHANCED DAMAGES; TRADING LOSSES; MARKET LOSSES; LOST PROFITS; LOST REVENUE; LOST DATA; LOST OPPORTUNITIES; BUSINESS INTERRUPTION; REPUTATIONAL HARM; SYSTEM DOWNTIME; MODEL ERRORS; DATA FEED DELAYS; OR DAMAGES ARISING FROM USE OF OR INABILITY TO USE THE SERVICES.

IF Virgil Paper IS FOUND LIABLE DESPITE THE ABOVE LIMITATIONS, ITS TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE LESSER OF (A) AMOUNTS YOU PAID TO Virgil Paper FOR THE SERVICES IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) USD $100.

Some jurisdictions do not allow certain warranty disclaimers, liability limitations, or damage exclusions. In those jurisdictions, the disclaimers, exclusions, and limitations apply to the maximum extent permitted by law.

12. Indemnification

You agree to defend, indemnify, and hold harmless Virgil Paper and its owners, officers, directors, employees, contractors, affiliates, licensors, and service providers from claims, liabilities, damages, losses, costs, and expenses, including reasonable attorneys' fees, arising from your use or misuse of the Services, trading activity, User Content, violation of these Terms, violation of law, or infringement of third-party rights.

13. Disputes, Class Action Waiver, and Governing Law

These Terms are governed by the laws of the State of Georgia, United States, without regard to conflict of law rules. To the extent a dispute is permitted to proceed in court, it will be brought exclusively in the state or federal courts located in Georgia, and you consent to personal jurisdiction and venue there.

To the fullest extent permitted by law, disputes must be brought only on an individual basis. You waive the right to participate as a plaintiff or class member in any class, collective, consolidated, private attorney general, or representative proceeding, and you waive the right to a jury trial.

14. Changes, Severability, and Entire Agreement

We may update these Terms by posting a revised version on this page or otherwise providing notice. Continued use of the Services after changes become effective means you accept the revised Terms. If any provision is unenforceable, the remaining provisions remain in effect. These Terms, the Privacy Policy, and any incorporated policies are the entire agreement between you and Virgil Paper for the Services.

Update Notice
These Terms & Conditions were last updated on: Wednesday, August 12, 2026. Material changes will be posted on this page.