Vestique Specification

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Vestique

Precision in Investment Intelligence.

Overview

Vestique is an AI-powered investment intelligence platform designed to provide comprehensive ETF research, financial analysis, risk assessment, portfolio monitoring, and evidence-based investment recommendations. Its purpose is to help investors understand what they own, evaluate potential investment opportunities, identify hidden risks, and make more informed decisions about allocating and preserving capital.

Vestique goes beyond conventional ETF screening and historical performance comparisons. It examines the underlying securities within investment funds, evaluates company fundamentals and valuations, monitors institutional activity, analyzes economic and industry developments, and assesses how changing market conditions may affect investment outcomes. By connecting fund-level analysis with the financial health of underlying companies and broader economic intelligence, Vestique provides a deeper understanding of investment risk and opportunity.

The platform uses AI to synthesize financial information from multiple sources, identify emerging patterns, evaluate alternative investment pathways, and produce transparent recommendations supported by verifiable evidence. It can evaluate ETFs alongside alternatives such as Treasury bills and insured deposit accounts, recognizing that holding cash or avoiding an investment may sometimes be the more prudent decision.

Vestique is designed around human oversight and capital control. Its AI provides research, analysis, simulations, alerts, and recommendations but never independently executes trades, transfers funds, or rebalances portfolios. Every financial transaction requires direct and explicit human authorization.

Core Modules

ETF Discovery and Intelligence

Discover and analyze ETFs across domestic and international markets.
Identify established, newly launched, specialized, sector-specific, thematic, and niche ETFs.
Categorize funds by asset class, sector, industry, geography, investment strategy, market capitalization, and risk characteristics.
Compare ETFs based on objectives, holdings, expenses, performance, distributions, liquidity, and risk.
Identify comparable funds and alternatives within the same investment category.
Monitor fund popularity, assets under management, inflows, outflows, and changes in investor demand.
Identify emerging ETF categories, investment themes, and market opportunities.
Evaluate historical performance without treating past returns as an indicator of future results.
Identify ETFs that may be unsuitable because of valuation, concentration, liquidity, structural, or operational concerns.
Maintain historical records of fund characteristics and changes over time.

Prospectus and Fund Composition Analysis

Retrieve and analyze ETF prospectuses, summary prospectuses, annual reports, shareholder reports, and other fund disclosures.
Examine investment objectives, strategies, restrictions, benchmarks, and stated risk factors.
Analyze underlying securities, individual holdings, allocation percentages, and portfolio weights.
Evaluate sector, industry, geographic, market capitalization, and asset-class exposure.
Identify concentrated positions, overlapping holdings, and dependencies on individual companies or industries.
Compare stated investment objectives with actual portfolio composition.
Analyze expense ratios, turnover, tracking differences, and distribution policies.
Identify leveraged, inverse, derivative-based, synthetic, and other specialized fund structures.
Examine securities lending practices, collateral arrangements, and counterparty exposures.
Track changes in fund holdings, investment strategies, management, and operational disclosures.
Identify differences between reported fund characteristics and actual underlying exposure.

Deep Portfolio Look-Through Analysis

Examine the underlying holdings of individual ETFs and combined investment portfolios.
Identify duplicate securities held through multiple ETFs.
Calculate aggregate exposure to individual companies, sectors, industries, countries, and investment themes.
Detect hidden concentration that may not be apparent from individual ETF allocations.
Identify indirect exposure to companies through subsidiaries, affiliated entities, and related securities when reliable data is available.
Analyze the combined financial characteristics of underlying portfolio holdings.
Evaluate exposure to major companies, dominant industries, emerging technologies, commodities, and economic themes.
Identify dependencies between holdings that may increase portfolio vulnerability.
Measure how portfolio composition changes as ETFs adjust their underlying holdings.
Compare direct security ownership with indirect exposure through investment funds.
Generate consolidated portfolio exposure reports.
Identify opportunities to reduce unnecessary overlap and improve diversification.

Valuation and Market Pricing Intelligence

Analyze price-to-earnings, forward price-to-earnings, price-to-book, price-to-sales, and other relevant valuation metrics.
Compare company valuations against historical averages, industry peers, and comparable businesses.
Evaluate earnings growth, revenue trends, margins, cash flow, and fundamental performance.
Identify companies trading at elevated valuations relative to their financial performance.
Detect potential overvaluation, undervaluation, speculative pricing, and deteriorating fundamentals.
Analyze valuation trends across ETF holdings and entire investment categories.
Evaluate whether fund prices and underlying securities reflect reasonable assumptions about future growth.
Identify valuation risks associated with popular investment themes and concentrated market segments.
Monitor changes in valuations as market prices and company fundamentals evolve.
Distinguish between market price movements and changes in underlying business value.
Present valuation findings with supporting evidence, assumptions, and uncertainty indicators.

Dividend and Income Intelligence

Analyze dividend and distribution histories, payment schedules, frequency, and variability.
Evaluate dividend sustainability using earnings, cash flow, debt, payout ratios, and financial strength.
Identify dividend reductions, suspensions, irregular distributions, and potential income deterioration.
Distinguish qualified dividends, ordinary income, capital gains distributions, and return of capital.
Analyze covered-call and option-based income strategies.
Compare distribution yield with total return and underlying investment performance.
Identify unusually high yields that may indicate elevated risk or unsustainable distributions.
Estimate potential income based on user-defined investment amounts and distribution assumptions.
Analyze dividend growth, income consistency, and historical payment reliability.
Compare ETF income strategies with Treasury bills and other fixed-income alternatives.
Estimate the effects of reinvestment, changing distributions, and market conditions on future income.
Provide educational tax-awareness analysis based on user-supplied account and tax assumptions.

Institutional Investor Intelligence

Monitor publicly disclosed institutional ownership and changes in reported positions.
Analyze available regulatory filings, including institutional holdings disclosures.
Track publicly reported ETF flows and changes in institutional allocation.
Identify disclosed accumulation and distribution patterns.
Monitor publicly available hedge fund holdings and manager disclosures.
Analyze reliable insider transaction disclosures where available.
Identify crowded investment themes and unusually concentrated institutional interest.
Compare institutional activity with market valuations, financial fundamentals, and broader market conditions.
Identify changes in institutional sentiment and ownership concentration.
Distinguish reported holdings from current positions and clearly disclose filing delays.
Preserve source dates and reporting periods to prevent outdated disclosures from being presented as current information.

Financial Health and Fundamental Analysis

Analyze the financial health of companies held within ETFs.
Evaluate balance sheets, assets, liabilities, debt levels, and shareholder equity.
Examine revenue growth, earnings, profit margins, and operating performance.
Analyze operating cash flow, free cash flow, and capital expenditure trends.
Evaluate debt-to-equity, leverage, liquidity, and interest coverage.
Assess dividend coverage and the sustainability of shareholder distributions.
Identify deteriorating financial conditions, distressed companies, and potential insolvency risks.
Analyze credit quality and available credit-rating information.
Evaluate financial resilience during economic downturns and periods of higher interest rates.
Aggregate underlying company fundamentals to assess the overall financial characteristics of an ETF.
Identify financial weaknesses that may not be apparent from fund-level performance.

Industry and Economic Intelligence

Monitor financial news, economic developments, and relevant market information.
Analyze inflation, interest rates, employment, consumer spending, manufacturing, and economic growth.
Track Federal Reserve policy, monetary conditions, and relevant government economic policies.
Monitor company earnings announcements, regulatory filings, management guidance, and financial disclosures.
Analyze industry trends, competitive conditions, supply chains, and technological developments.
Monitor commodities, energy markets, international trade, and currency movements.
Evaluate geopolitical developments, legislation, regulatory changes, and trade restrictions.
Identify economic cycles, recession indicators, and potential financial stress.
Analyze how economic developments may affect individual companies, industries, and ETF holdings.
Identify emerging opportunities and risks associated with structural economic changes.
Connect current events with portfolio exposures and investment strategies.
Maintain historical records of significant developments for comparative analysis.

AI Risk Assessment

Evaluate market, credit, liquidity, concentration, inflation, currency, operational, and structural risks.
Analyze volatility, historical drawdowns, downside exposure, and price instability.
Evaluate underlying company financial quality and exposure to deteriorating business conditions.
Identify sector, industry, geographic, and thematic concentration risks.
Analyze correlations and potential dependencies between securities and investment funds.
Evaluate liquidity, trading volume, bid-ask spreads, and potential exit constraints.
Assess valuation risk and sensitivity to changing earnings expectations.
Examine risks associated with leverage, derivatives, counterparties, securities lending, and fund structures.
Analyze interest rate, inflation, currency, and geopolitical sensitivity.
Identify risks associated with fund management, custody, domicile, and operational practices.
Evaluate potential downside under changing market and economic conditions.
Provide separate risk assessments rather than relying on a single universal safety score.
Explain the factors contributing to each identified risk.
Distinguish lower volatility from overall investment safety.
Identify conditions that could materially change an investment’s risk profile.

ETF Management and Operational Risk

Monitor fund issuers, investment managers, and management changes.
Analyze assets under management and changes in fund size.
Evaluate liquidity, average trading volume, bid-ask spreads, and trading conditions.
Assess fund closure, liquidation, and operational continuity risks.
Examine tracking error, tracking difference, and benchmark replication quality.
Analyze fund expenses and changes to fee structures.
Evaluate creation and redemption mechanisms.
Examine custody arrangements, fund domicile, and regulatory disclosures.
Assess counterparty exposure, securities lending, collateral, and derivative practices.
Identify structural complexity and operational dependencies.
Monitor changes that may affect fund reliability, accessibility, or suitability.

Market Sentiment and Behavioral Analysis

Analyze market sentiment using financial news, public disclosures, and available market indicators.
Monitor investor enthusiasm, pessimism, speculative behavior, and changing expectations.
Identify crowded trades and popular investment themes.
Detect unusually strong market attention that may indicate elevated speculation.
Compare market sentiment with company fundamentals and underlying valuations.
Identify potential disconnects between market expectations and financial conditions.
Monitor changes in sentiment surrounding individual companies, industries, and ETFs.
Distinguish measurable market indicators from subjective sentiment interpretations.
Avoid treating popularity, social attention, or recent performance as evidence of investment quality.

Investment Opportunity and Warning Detection

Identify investment opportunities based on valuations, financial strength, income characteristics, and risk.
Detect emerging risks within ETF holdings, industries, and broader markets.
Identify deteriorating company fundamentals and weakening financial conditions.
Detect unusual changes in ETF composition, institutional ownership, and fund flows.
Identify potential warning signals involving liquidity, concentration, leverage, and valuation.
Compare positive developments with potential downside implications.
Evaluate whether an apparent opportunity is supported by verifiable financial evidence.
Identify situations where risk may outweigh potential returns.
Generate alerts for significant changes in investment conditions.
Clearly distinguish confirmed developments from estimates, interpretations, and AI-generated signals.

Capital Preservation Engine

Prioritize the protection of invested capital through comprehensive risk evaluation.
Identify investment pathways that emphasize financial stability, liquidity, and downside awareness.
Compare ETF investments with Treasury bills, insured bank deposits, and other relevant cash alternatives.
Evaluate the potential trade-offs between liquidity, income, volatility, and principal risk.
Identify situations where maintaining cash or delaying investment may be appropriate.
Analyze concentration, credit quality, duration exposure, and liquidity constraints.
Evaluate the potential effects of inflation and changing interest rates on purchasing power.
Identify strategies designed to reduce unnecessary portfolio risk.
Compare potential downside exposure across alternative investment pathways.
Avoid representing any investment, fund, or financial product as guaranteed safe or risk-free.
Explain the assumptions and limitations behind capital preservation recommendations.

Personalized Investment Strategy

Allow users to define investment objectives, financial priorities, and allocation preferences.
Incorporate user-defined risk tolerance, investment horizon, liquidity requirements, and income needs.
Consider current portfolio holdings and existing exposure.
Support conservative, moderate, and aggressive investment approaches.
Evaluate investment strategies based on financial fundamentals, valuations, risk, and market conditions.
Identify potential diversification improvements and alternative allocations.
Incorporate user-defined exclusions and investment restrictions.
Compare income-oriented, growth-oriented, balanced, and capital preservation strategies.
Evaluate the suitability of individual ETFs within the context of the broader portfolio.
Explain the advantages, disadvantages, risks, and assumptions associated with each proposed strategy.
Reassess recommendations when user objectives or market conditions change.

Investment Recommendation Engine

Generate evidence-based ETF and investment recommendations.
Compare potential investments with alternative capital allocation options.
Provide conservative, moderate, and aggressive investment pathways.
Evaluate potential returns in relation to risk, valuation, liquidity, and financial quality.
Explain why an investment may be suitable or unsuitable under specified assumptions.
Identify the risks and conditions that could cause a recommendation to fail.
Present supporting research, data sources, timestamps, and confidence indicators.
Distinguish verified facts, financial estimates, analytical interpretations, and AI forecasts.
Identify conflicting evidence and material uncertainties.
Avoid recommendations based solely on popularity, historical returns, or dividend yield.
Allow the system to recommend avoiding an investment when evidence does not support proceeding.
Present alternatives when an investment opportunity carries excessive or poorly understood risk.
Require human evaluation and authorization before any financial transaction.

Financial Risk Radar

Continuously monitor relevant financial, economic, and market risk indicators.
Detect unusual changes in volatility, valuations, liquidity, and market conditions.
Identify deteriorating company fundamentals and industry developments.
Monitor economic stress indicators and potential recession signals.
Detect concentration changes and emerging portfolio vulnerabilities.
Identify potential risks associated with institutional activity and market sentiment.
Assign configurable warning and severity levels based on defined analytical criteria.
Explain the evidence behind each alert and its potential portfolio implications.
Prioritize alerts based on relevance, potential impact, and data confidence.
Maintain a historical record of detected risks and subsequent developments.

Correlation and Contagion Analysis

Analyze correlations between ETFs, securities, industries, asset classes, and economic indicators.
Identify investments with similar underlying risk exposures.
Detect hidden dependencies that may reduce effective diversification.
Evaluate how market stress may affect interconnected companies and industries.
Model potential financial stress propagation across portfolio holdings.
Identify concentration in correlated investments.
Analyze changing correlations across different market environments.
Evaluate historical relationships during recessions, market corrections, and financial crises.
Identify potential contagion pathways and portfolio vulnerabilities.
Explain the limitations of historical correlations when assessing future risk.

Investment Scenario Simulator

Simulate potential portfolio outcomes under different economic and market conditions.
Evaluate historical market downturns, recessions, inflationary periods, and interest rate changes.
Model hypothetical geopolitical events, industry disruptions, and company-specific shocks.
Analyze the effects of changing ETF allocations and portfolio combinations.
Compare lump-sum investments with dollar-cost averaging.
Simulate dividend income, distribution changes, and reinvestment strategies.
Estimate potential drawdowns, volatility, income variability, and recovery periods.
Support Monte Carlo simulations with transparent assumptions and methodology.
Present optimistic, baseline, and adverse scenarios.
Compare potential investment outcomes against Treasury bills and other cash alternatives.
Evaluate the effects of changing market conditions on underlying ETF holdings.
Support historical backtesting using appropriate data and clearly documented assumptions.
Avoid look-ahead bias, survivorship bias, and other methodological distortions.
Explain that simulations are estimates rather than guarantees of future performance.

Historical Strategy Backtesting

Evaluate investment strategies against historical market data.
Compare alternative ETF allocations and investment approaches.
Analyze performance during market expansions, corrections, recessions, and financial crises.
Evaluate historical drawdowns, volatility, recovery periods, and income generation.
Compare rebalancing assumptions and investment timing approaches.
Assess strategy sensitivity to different economic environments.
Include relevant benchmarks and alternative capital allocation comparisons.
Account for expenses, distributions, and other material costs where data is available.
Identify survivorship bias, look-ahead bias, and data limitations.
Document assumptions and distinguish historical results from expected future outcomes.

Investment Decision Tree

Translate investment research into structured decision pathways.
Evaluate financial quality, valuation, risk, income, liquidity, and investment objectives.
Identify conditions that support, weaken, or invalidate an investment thesis.
Compare proceeding, delaying, reducing exposure, or avoiding an investment.
Present alternative pathways based on changing market conditions.
Explain the consequences and uncertainties associated with each decision.
Identify missing information that may prevent a reliable assessment.
Keep final investment decisions under direct human control.

Investment Research and Evidence Verification

Retrieve information from reliable financial and regulatory sources.
Analyze SEC filings, prospectuses, annual reports, shareholder reports, and company disclosures.
Review 10-K and 10-Q filings, earnings releases, and investor presentations.
Cross-reference financial claims against primary sources whenever possible.
Compare information from multiple independent sources.
Identify conflicting data, unsupported claims, and incomplete disclosures.
Attach citations and timestamps to material research findings.
Distinguish verified facts, estimates, interpretations, opinions, and AI-generated forecasts.
Provide confidence indicators and explain material uncertainty.
Identify outdated, delayed, or incomplete information.
Preserve historical research and source records for future comparison.
Maintain traceability between investment recommendations and the evidence supporting them.

Portfolio Health Monitoring

Support manual portfolio entry and optional read-only brokerage integrations.
Monitor portfolio composition, asset allocation, and underlying security exposure.
Identify duplicated holdings and overlapping ETF positions.
Evaluate company, sector, industry, geographic, and thematic concentration.
Analyze diversification, correlations, volatility, and downside exposure.
Monitor realized and unrealized gains and losses when data is available.
Track dividend income, distributions, and changes in income expectations.
Compare portfolio performance and risk against relevant benchmarks.
Evaluate portfolio alignment with user-defined objectives and risk preferences.
Detect changes in financial quality, valuations, and underlying ETF composition.
Generate portfolio health reports and actionable improvement recommendations.
Monitor changing portfolio vulnerabilities and emerging risks.
Preserve historical portfolio snapshots and analytical findings.
Provide recommendations without independently modifying portfolio allocations.

Continuous Monitoring and Alerts

Continuously monitor ETFs, portfolio holdings, companies, industries, and economic developments.
Support configurable daily, weekly, and monthly monitoring schedules.
Generate alerts for significant changes in valuations, fundamentals, distributions, and fund composition.
Monitor regulatory filings, company announcements, financial news, and economic indicators.
Detect changes in risk assessments and investment recommendations.
Notify users of deteriorating financial conditions and emerging opportunities.
Support configurable alert thresholds, severity levels, and notification preferences.
Provide explanations and supporting evidence for each alert.
Reduce duplicate, low-confidence, and insignificant notifications.
Maintain historical alert records and track the development of identified risks.

Reporting and Investment Dashboard

Provide a consolidated view of ETF research, portfolio health, market conditions, and investment risks.
Display underlying holdings, sector exposure, valuations, income, and financial fundamentals.
Present separate risk assessments and portfolio concentration indicators.
Provide investment comparisons, scenario simulations, and alternative allocation pathways.
Generate research summaries and evidence-backed recommendation reports.
Display source citations, data timestamps, confidence indicators, and analytical assumptions.
Support daily, weekly, and monthly investment intelligence reports.
Highlight material changes in holdings, valuations, financial conditions, and recommendations.
Allow users to customize dashboard views and reporting preferences.
Support exportable investment research and portfolio analysis.

Human-Controlled Investment Governance

Maintain human oversight over all investment decisions and financial activities.
Never independently execute trades, purchase or sell securities, transfer funds, or rebalance portfolios.
Require direct and explicit human authorization for every financial transaction.
Keep brokerage integrations read-only by default.
Separate research, recommendations, simulations, and transaction authorization.
Provide transparent explanations for recommendations and analytical conclusions.
Maintain auditable records of recommendations, user decisions, and authorized actions.
Allow users to reject, modify, or disregard any AI-generated recommendation.
Prevent automated investment execution through scheduled tasks, alerts, or background analysis.
Clearly disclose uncertainty, limitations, and potential conflicts in financial information.
Ensure users retain control over financial accounts, portfolio allocations, and capital.

Privacy and Financial Data Protection

Prioritize privacy and user control over financial information.
Support secure handling of financial account data and portfolio information.
Minimize collection and retention of sensitive financial information.
Provide clear controls for connected accounts and data permissions.
Protect stored portfolio records, financial research, and user-defined investment preferences.
Support local and self-hosted deployments.
Maintain secure access controls and auditable data access where supported.
Avoid unnecessary transmission of financial information to external services.
Clearly identify third-party data providers and external integrations.
Preserve user control over financial data and connected services.

Optional Plugin Modules

Optional plugins extend Vestique’s capabilities without making the core analytical system dependent on any single provider. Core research, analysis, monitoring, and portfolio functionality should remain provider-independent and support manually supplied or publicly available data.

Brokerage and Portfolio Integrations

Connect supported brokerage accounts for read-only portfolio information.
Retrieve account balances, positions, transaction histories, and distributions where authorized.
Synchronize portfolio holdings and account information.
Support multiple brokerage accounts and consolidated portfolio views.
Maintain explicit permission boundaries and prevent unauthorized transactions.

Financial Market Data Providers

Integrate financial market data providers for pricing, trading volume, market capitalization, and historical securities data.
Retrieve ETF prices, underlying security prices, benchmarks, and market indicators.
Support multiple data sources for validation and reconciliation.

Historical Pricing and Securities Data Providers

Retrieve historical price series, adjusted prices, distributions, and corporate actions.
Support historical comparisons, portfolio simulations, and strategy backtesting.
Preserve source information, data timestamps, and adjustment methodologies.

Financial News and Research Providers

Integrate financial news services, research platforms, and market intelligence providers.
Retrieve company announcements, industry developments, analyst research, and economic reporting.
Support source verification and cross-referencing.

SEC and Regulatory Filing Integrations

Retrieve SEC filings, fund disclosures, company reports, and regulatory announcements.
Monitor filing updates and changes in reported holdings.
Support institutional ownership research and regulatory intelligence.

International Market Data Providers

Expand coverage to international ETFs, exchanges, companies, and securities.
Retrieve foreign market pricing, currency information, and regional financial data.
Support international market comparisons and geographic exposure analysis.

Economic Data Providers

Integrate economic data sources for inflation, interest rates, employment, manufacturing, consumer spending, and economic growth.
Monitor central bank decisions and government economic releases.
Support economic cycle analysis and scenario modeling.

Tax Reporting and Tax Analysis Integrations

Support tax-aware portfolio analysis using authorized account and tax information.
Analyze qualified dividends, ordinary distributions, return of capital, foreign withholding, and capital gains distributions.
Support educational wash-sale awareness and taxable versus tax-advantaged account comparisons.
Provide estimated after-tax investment comparisons using user-supplied assumptions.
Clearly distinguish educational tax analysis from professional tax advice.

Notification and Communication Services

Connect supported email, messaging, and notification providers.
Deliver configurable portfolio alerts and investment intelligence reports.
Support daily, weekly, and monthly reporting schedules.

AI Model Providers

Integrate alternative AI models for research, analysis, classification, and financial intelligence.
Support configurable model selection and evaluation.
Preserve evidence verification, transparency, and human-controlled investment governance across providers.

Local and Self-Hosted Data Intelligence Providers

Integrate locally hosted financial research and data processing services.
Support user-controlled information retrieval and analysis.
Reduce dependence on external providers where suitable data sources are available.

Custom Investment Research Integrations

Allow users to connect additional research services, financial databases, and specialized analytical tools.
Support custom data sources and user-defined research workflows.
Provide validation and provenance tracking for externally supplied information.

Financial Reporting and Document Export Services

Export portfolio reports, investment research, scenario analyses, and financial summaries.
Support configurable report formats and document generation.
Preserve citations, timestamps, assumptions, and supporting evidence in exported materials.

Specification Branding License (SBL)

Standard

Fully AGPL-3.0+ compliant system.
Copyleft enforced for network deployments.
Required attribution:
- Roxanne Ardary
- https://www.roxanneardary.com/

Optional

Specification Branding License (SBL)
- Attribution-free commercial deployment.
- Pricing based on scale, usage, and deployment scope.
- https://roxanneardary.com/vestique/

License & Notice Requirements

Vestique is released under the GNU Affero General Public License v3.0 or later (AGPL-3.0+).
By contributing to any Open Arsenal project, you agree that your contributions will also be released under this license.

Please note the following:

All contributions must comply with the AGPL-3.0+ terms.
Under Section 7 of the license, all redistributions, forks, and derivative works must preserve attribution to: Roxanne Ardary and roxanneardary.com.
Vestique specifications are free to use with attribution. A Specification Branding License can be negotiated upon request.
The project’s notice.md file tracks attribution requirements and contributor acknowledgments. Any update that adds new contributors or modifies attribution should also update notice.md.
When submitting a pull request, ensure that any new files maintain the attribution headers where applicable.
Network-deployed versions of this software must also remain fully AGPL-3.0+ compliant, including exposure of source code modifications when applicable under the license.

For full legal details, please refer to the AGPL-3.0+ license and the project’s notice.md file.

Notice – Vestique

Attribution Requirement: Under Section 7 of the AGPL 3.0+ license, all redistributions, forks, and derivative works, including network-deployed versions of this project, must provide attribution to Roxanne Ardary and roxanneardary.com.

Contributors

This file tracks contributors and their specific contributions to the project.

Roxanne Ardary, roxanneardary.com – November 1, 2026
Created the repository for Vestique. Developed the project concept and specification for an AI-powered investment intelligence platform featuring comprehensive ETF research, financial analysis, risk assessment, portfolio monitoring, and evidence-based investment recommendations.
[Add other contributors here] – [Date]
[Describe contribution in one sentence]

License – Vestique

This repository is licensed under the GNU Affero General Public License v3.0 or later (AGPL-3.0+).

Key Points:

You are free to use, modify, and distribute the code.
All redistributions, forks, and derivative works or network-deployed versions must also be licensed under AGPL-3.0+ and provide attribution to Roxanne Ardary and roxanneardary.com as required under Section 7 of the license.
The software is provided “as is,” without warranty of any kind.

For the full license text, see GNU AGPL-3.0 License.