Terms of Use

1. Agreement to These Terms

These Terms of Use (the “Terms”) are a legally binding agreement between you and Vikreya Inc. (“Vikreya”, “we”, “us”, or “our”), the company that operates the DIOVRA application, including the website at https://diovra.com and any related mobile or desktop applications (collectively, the “Service”).

By accessing or using the Service you acknowledge that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy, which is incorporated into these Terms by reference. If you do not agree, do not access or use the Service.

If you use the Service on behalf of an organization, you represent that you have authority to bind that organization, and “you” includes that organization.

2. The Service

DIOVRA is a paper-trading and stock-analysis simulator. The Service provides market data and technical indicators, probabilistic signals from the JEV decision engine and algorithmic indicators, risk-check evaluations, a virtual-cash portfolio, a trade journal, and streak and win-rate tracking.

• The Service is provided free of charge; no credit card or payment is required.
• All balances, positions, and trades are simulated with virtual cash (a starting balance of $10,000) and have no monetary value.
• The Service does not connect to any brokerage account, does not hold funds or securities, and does not execute, route, or facilitate any real-world trade.

3. Eligibility and Accounts

You must be at least 18 years old and able to form a binding contract under applicable law, including the laws of the State of Colorado, to use the Service.

Access is granted through a one-time passcode (OTP) sent to the email address you provide. You are responsible for all activity under your session and for keeping your device and session tokens secure. Notify us promptly at [email protected] if you believe your session has been compromised.

You agree to provide accurate, current information and to keep it up to date.

4. Educational and Simulation Purposes Only; No Financial Advice

The Service is provided for educational and simulation purposes only. Nothing on the Service constitutes investment, financial, tax, legal, or trading advice, or a recommendation to buy, sell, or hold any security.

Signals, scores, confidence percentages, risk checks, and any other output of the Service (including the JEV decision engine) are probabilistic estimates derived from historical and third-party data. They carry no guarantee of future results or accuracy, and past performance does not indicate future results.

You should independently evaluate any investment and consult a qualified, licensed financial advisor, broker, or tax professional before making investment decisions. Use the Service with caution and at your own discretion.

5. No Broker, Dealer, or Investment Adviser Relationship

Vikreya Inc. is not a broker-dealer, investment adviser, futures commission merchant, transfer agent, or fiduciary, and is not registered with the U.S. Securities and Exchange Commission or the Commodity Futures Trading Commission in any such capacity.

Nothing in the Service creates an advisory, fiduciary, or other special relationship between you and Vikreya. Any decision to trade in real markets is made by you, alone, outside the Service.

6. No Responsibility for Financial Losses; Assumption of Risk

You use the Service entirely at your own risk. You assume all risk arising from your use of, or reliance on, the Service.

Vikreya Inc. is not responsible for, and shall not be liable for, any financial losses, lost profits, lost opportunities, or other losses of any kind that you may suffer — whether direct or indirect — that arise from your use of the Service or from trading decisions you make in the real world that are inspired by, based on, or otherwise connected to the Service.

This includes losses caused by market movements, inaccurate, delayed, or unavailable data, errors or interruptions in the Service, or the actions or omissions of third parties.

To the maximum extent permitted by applicable law, including Colorado law, you waive and release Vikreya from any and all claims, demands, and damages arising out of your use of the Service.

7. Limitation of Liability

To the maximum extent permitted by applicable law, in no event will Vikreya Inc. be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, or goodwill, whether based in contract, tort, or any other theory, even if advised of the possibility of such damages.

Vikreya’s aggregate liability arising out of or relating to the Service will not exceed the greater of (a) one hundred U.S. dollars (US $100) or (b) the amount you paid to Vikreya for the Service in the twelve (12) months preceding the claim (which, because the Service is free, is zero).

Some jurisdictions, and some rights under Colorado law, do not allow certain limitations; in those cases the limitation applies to the fullest extent permitted. Nothing in these Terms limits any liability that cannot be excluded under the Colorado Consumer Protection Act or other non-waivable law, and nothing in these Terms limits liability for gross negligence or willful misconduct.

8. Acceptable Use

You agree not to, and not to attempt to:

• access the Service by any means other than the interface we provide, including scraping, crawling, or automated data collection outside documented public endpoints;
• reverse engineer, decompile, circumvent, or disrupt the Service, its security, or its rate limits;
• interfere with or damage the Service, including introducing malware, overloading infrastructure, or probing systems without authorization;
• impersonate another person or misrepresent your affiliation;
• use the Service for any unlawful purpose, including market manipulation, fraud, or violations of securities laws;
• resell, sublicense, or commercially exploit the Service or its data without our prior written consent;
• remove or alter any proprietary notices on the Service.

9. Your Content

You retain ownership of content you submit through the Service, including trade journal entries, feedback, and feature requests (“Your Content”).

You grant Vikreya a worldwide, non-exclusive, royalty-free license to host, store, reproduce, and process Your Content solely as necessary to operate, maintain, and improve the Service and to comply with law.

You represent that Your Content is lawful and does not infringe the rights of others. We may remove Your Content if we reasonably believe it violates these Terms or applicable law.

Any feedback, suggestions, or feature requests you submit may be used by Vikreya for any purpose without compensation or obligation to you.

10. Intellectual Property

The Service, including its software, design, text, graphics, logos, and the names “DIOVRA” and “JEV”, is owned by Vikreya Inc. and is protected by United States and international copyright, trademark, and other intellectual property laws.

© 2026 Vikreya Inc. All rights reserved. DIOVRA and the DIOVRA logo are trademarks of Vikreya Inc. Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to use the Service for its intended personal, non-commercial purpose.

The license automatically terminates if you breach these Terms. On termination you must stop using the Service.

11. Third-Party Services and Data

The Service relies on third-party providers, including market data supplied by Alpaca (Investors Exchange / IEX), decision-engine services from Jev (TypeSafe), and cloud infrastructure providers for hosting, databases, and email delivery.

Market data and third-party content may be delayed, inaccurate, incomplete, or unavailable, and third-party providers may change or discontinue their services at any time.

Your use of third-party services made available through the Service may be subject to separate terms and privacy policies of those providers. We are not responsible for the accuracy of third-party data or for the practices of third parties.

12. Service Availability; Changes; Termination

We may modify, suspend, or discontinue any part of the Service at any time, with or without notice. We do not warrant that the Service will be available, uninterrupted, secure, or error-free.

We may suspend or terminate your access to the Service if we reasonably believe you have violated these Terms, if required by law, or to protect the Service or other users.

Sections that by their nature should survive termination (including intellectual property, disclaimers, limitation of liability, indemnification, and governing law) will survive.

13. Disclaimer of Warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, AND NON-INFRINGEMENT.

We do not warrant that the Service or any signal, output, or data will be accurate, reliable, complete, current, or free of errors, or that defects will be corrected.

This disclaimer is conspicuous and is a material part of these Terms. To the extent any disclaimer is unenforceable under Colorado law, it will be enforceable to the maximum extent Colorado law permits.

14. Indemnification

You agree to defend, indemnify, and hold harmless Vikreya Inc. and its officers, directors, employees, and agents from and against any claims, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to: (a) your use of the Service; (b) Your Content; (c) your violation of these Terms or the rights of any third party; or (d) your violation of any law or regulation.

15. Governing Law and Venue (Colorado)

These Terms and any dispute arising out of or relating to them or the Service are governed by the laws of the State of Colorado, and applicable federal law of the United States, without regard to conflict-of-laws principles.

You and Vikreya agree to submit to the exclusive jurisdiction of the state and federal courts located in the State of Colorado for resolution of any dispute not resolved informally, and each waives any objection to venue in those courts.

Before filing a formal dispute, please contact [email protected]. We will attempt in good faith to resolve the matter within thirty (30) days of receiving your notice.

Nothing in these Terms limits any legal rights you may have under Colorado or federal consumer protection law, including the Colorado Consumer Protection Act, which cannot be waived.

16. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will update the “Effective” date above and, where appropriate, provide additional notice.

Your continued use of the Service after the updated Terms become effective constitutes acceptance of the changes. If you do not agree, stop using the Service and delete your account.

17. Miscellaneous

If any provision of these Terms is held unenforceable, it will be modified to the minimum extent necessary and the remaining provisions will remain in full force.

Our failure to enforce any provision is not a waiver. These Terms, together with the Privacy Policy, are the entire agreement between you and Vikreya regarding the Service.

You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets. Headings are for convenience only.

18. Contact Us

These Terms are administered by:

• Vikreya Inc. (operator of DIOVRA)
• Colorado, United States
• Legal matters: [email protected]
• Privacy matters: [email protected]
• Web: https://diovra.com

We welcome questions about these Terms.