Terms of Service

Effective Date: May 4, 2026

A-LOT.io (including the AI Deal Coach, deal tooling, analytics, and related interfaces) is a proprietary platform owned and operated solely by Phillip Vencill, an individual. References to "we," "us," or "our" mean Phillip Vencill personally. No company, LLC, partnership, or other entity is a party to these Terms unless separately agreed in a signed writing.

1. Acceptance of Terms

By accessing or using A-LOT.io, connecting a wallet, initiating or recording a payment or transfer through platform workflows, or continuing to use the Service after notices are posted, you agree to these Terms of Service and our Privacy Policy. If you do not agree, do not use the Service.

2. Eligibility

You represent that you are at least eighteen (18) years old and have legal capacity to enter these Terms. You may not use the Service where prohibited by law.

3. Not Financial, Investment, Legal, or Tax Advice

All information on A-LOT.io—including AI outputs, scores, rankings, Deal Coach replies, alerts, estimates, and commentary—is provided solely for general informational and educational purposes and may be incomplete, delayed, or inaccurate.

Phillip Vencill is not a financial advisor, broker-dealer, commodity trading advisor, attorney, accountant, or tax professional. Nothing on A-LOT.io is an offer, solicitation, or recommendation to buy, sell, or hold any security, digital asset, real property, or other investment. Past or simulated performance does not predict future results.

You are solely responsible for your decisions. You alone bear all risk of loss.

4. High-Risk Digital Assets and On-Chain Activity

Cryptocurrency, stablecoins, tokenized assets, and blockchain transactions involve extreme volatility, irreversible transfers, smart-contract and bridge risk, counterparty risk, regulatory uncertainty, tax complexity, and possible total loss of funds. Network fees, slippage, MEV, phishing, and key compromise can cause unexpected outcomes. You expressly assume these risks and acknowledge that digital-asset markets may be thin, manipulated, or illiquid.

5. No Fiduciary Duty; No Reliance

No confidential, fiduciary, or advisory relationship is created by your use of the Service. You agree not to rely on the Service as the sole basis for any decision; seek independent professional advice where appropriate.

6. Third-Party Services and Wallet Connections

The Service may interoperate with third-party wallets, RPC providers, block explorers, payment processors, and other services. We do not control and are not responsible for third-party software, networks, or terms. Wallet connections and transactions are at your sole risk. We do not custody your private keys or seed phrases and are not responsible for loss arising from wallet connections, user error, or malicious software.

7. AI and Automated Systems

AI-generated content may be wrong, biased, or outdated. Outputs are not verified for accuracy or suitability. You must independently verify any material fact before acting.

8. No Warranties; "As Is"

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, TO THE FULLEST EXTENT PERMITTED BY LAW.

NO GUARANTEE OF RESULTS. Phillip Vencill does not warrant that the Service will be uninterrupted, error-free, secure, or free of harmful components, or that any particular outcome, profit, or performance will be achieved through use of the Service, AI features, or analytics.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL PHILLIP VENCILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PHILLIP VENCILL'S TOTAL AGGREGATE LIABILITY FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO PHILLIP VENCILL FOR THE SERVICE IN THE TWELVE (12) MONTHS BEFORE THE CLAIM OR (B) ONE HUNDRED U.S. DOLLARS (USD $100).

SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS; IN SUCH CASES, LIABILITY IS LIMITED TO THE FULLEST EXTENT PERMITTED.

10. Indemnification

You agree to indemnify, defend, and hold harmless Phillip Vencill from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Service, your violation of these Terms, your violation of third-party rights, or your transactions or wallet activity.

11. Intellectual Property

All software, design, branding, documentation, and other materials on A-LOT.io are owned by Phillip Vencill or licensors and are protected by intellectual property laws. You may not copy, modify, distribute, sell, or create derivative works without prior written permission, except as lawfully allowed for personal, non-commercial browser caching.

12. Prohibited Conduct

You may not use the Service to violate law; infringe rights; distribute malware; attempt unauthorized access; interfere with the Service; scrape or overload systems in a manner that harms availability; or engage in market manipulation, fraud, or harassment.

13. Suspension and Termination

We may suspend or terminate access to the Service at any time, with or without notice, for any reason including suspected violation of these Terms or risk to the Service or others.

14. Governing Law; Exclusive Venue

These Terms are governed by the laws of the State of Arizona, without regard to conflict-of-law rules. You agree that the state and federal courts located in Maricopa County, Arizona have exclusive jurisdiction (subject to applicable law), and you submit to the personal jurisdiction of those courts.

15. Dispute Resolution; Informal Resolution

Before filing a claim, you agree to contact us and attempt to resolve the dispute informally for at least thirty (30) days.

16. Class Action Waiver

TO THE FULLEST EXTENT PERMITTED BY LAW, YOU AND PHILLIP VENCILL AGREE THAT DISPUTES WILL BE BROUGHT ONLY IN AN INDIVIDUAL CAPACITY, NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

17. Changes to These Terms

We may modify these Terms at any time. The "Effective Date" will be updated for material changes where practicable. Continued use after changes constitutes acceptance. If you do not agree, stop using the Service.

18. Severability; Entire Agreement

If any provision is held unenforceable, the remainder remains in effect. These Terms and the Privacy Policy (as updated) constitute the entire agreement regarding the Service and supersede prior oral or written understandings on the same subject.

19. Electronic Communications

You consent to receive notices and agreements electronically, including by posting on A-LOT.io or by email if you provide one.

20. GDPR and UK/EEA Users (Summary)

If you are in the European Economic Area or United Kingdom, you may have rights under applicable data protection law, including rights of access, rectification, erasure, restriction, objection, and portability where applicable, and the right to lodge a complaint with a supervisory authority. Processing is described in the Privacy Policy (lawful bases, categories, retention). This summary does not limit or waive any mandatory rights.

21. Contact

For legal, privacy, or data-rights inquiries: legal@a-lot.io (and the contact methods published on A-LOT.io, if any).