Terms of Service | Delta Companies LLC

Please read these Terms of Service ("Terms") completely before using deltacloud.ai or investmentmanagementhandbook.com, which are operated by Delta Companies LLC ("us", "we", or "our"). By purchasing an Omni-Key, subscribing to our services, or pinging the DeltaCloud.ai API, you agree to be bound by these Terms.

Investing involves risk. Past performance is not indicative of future results. DeltaCloud.ai and The Investment Management Handbook (TIMH) are not specific financial advice, and they should not be construed as such. Do not trade or invest based solely on the contents of the DeltaCloud.ai terminal, API payloads, or TIMH chapters.

1. Nature of the Service & Educational Scope

DeltaCloud.ai and TIMH, as presented by Delta Companies LLC, are provided for educational and research purposes only. The tools provide access to computational probability models and educational themes. Mathematical distributions (including Spherical Gaussians and Delta modeling) are abstractions of historical variance, not guarantees of future security pricing. Data visualizations are chosen for general analytical appeal and do not represent investment recommendations.

2. Entity Separation

Our business is located at 1650 Garnet Ave. #1137, San Diego, CA 92109. Delta Companies LLC is strictly unaffiliated with Thrive Portfolios Inc. The companies are independently operated, do not share ownership, do not share other financial interests, and do not share data or crossover clients.

3. Products, Pricing, and Subscriptions

Delta Companies LLC provides digital products under the following commercial structures:

The Investment Management Handbook (TIMH) Subscription: A recurring subscription (e.g., $4.00/month) that provides access to digital educational chapters and automatically deposits a volumetric quota of DeltaCloud API tokens (e.g., 10 tokens) into your account every 30 days.
DeltaCloud API Token Quotas: Volumetric API access billed at specific tier rates (e.g., $0.10 per query). Tokens are consumed upon successful generation of a probability cloud payload.

We reserve the right to modify pricing, token allocation, or subscription structures at any time. Active subscribers will be notified prior to any recurring billing changes.

4. API Licensing & Redistribution Shield

You are granted a non-exclusive, non-transferable, revocable license to access the DeltaCloud.ai API for internal, personal, or approved quantitative research.

Caching & Scraping Ban: You are strictly prohibited from localized database caching of the options matrix, boundaries, or historical price datasets to bypass per-query token fees.
Resale & Pass-Through: You are prohibited from redistributing, reselling, or passing raw API payloads through to secondary retail clients via external interfaces (e.g., an RIA portal or commercial dashboard) without an explicit, negotiated Enterprise License from Delta Companies LLC.
Abuse: We reserve the right to throttle, suspend, or revoke API access for accounts exhibiting malicious polling, concurrent request stampedes, or attempts to reverse-engineer the probability engine.

5. Refunds and Chargebacks

Due to the consumable nature of digital tokens and API data extraction, refunds are granted solely at the discretion of Delta Companies LLC for honest human errors, evaluated on a case-by-case basis. Initiating a payment dispute or chargeback will result in the immediate and permanent revocation of your Omni-Key and API access.

6. Intellectual Property

All codebase, mathematical algorithms, API schemas, HTML/CSS layouts, and proprietary visual charting motifs (including the "DELTACLOUD.AI" watermark) remain the exclusive intellectual property of Delta Companies LLC. "DeltaCloud" and "TIMH" are protected marks.

7. Limitation of Liability

The Service is provided on an "AS IS" and "AS AVAILABLE" basis. We utilize third-party data providers and are not liable for missing temporal nodes, delayed quotes, or inaccuracies in the underlying market data. In no event shall Delta Companies LLC be liable for any indirect, consequential, or trading losses arising from the use of the API or educational materials. Maximum liability is capped at the total amount paid by the user to Delta Companies LLC in the preceding 30 days.

8. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California (San Diego County), without regard to its conflict of law provisions.