Questions
What people ask before they begin. If yours isn't here, Cole can take it.
You begin your four weeks. Cole walks you through your first upload — five documents that calibrate your Live Funded Score and Live Funded Date right out of the gate. Two briefings arrive during the trial (15th and last day), and by week four you know exactly where you stand and where you're headed. Every capability paid subscribers get, you get. The trial is the product.
No. The trial requires no card. You decide whether to subscribe at the end of the four weeks.
You choose. Continue on a paid tier and Cole picks up where the trial left off — bi-weekly briefings, sharper every month.
If you'd rather step away, your account pauses without losing what you've built. Come back any time to update your card and resume right where you left off. Or, if you've decided it's not for you, you can clear your data and close out cleanly — we part ways positively.
All paid tiers run on the same intelligence layer, with the same Cole, at the same upload pace. Pick the tier that matches your life — Cole reads whatever you bring it.
Annual. Two months free, and the value compounds — every month of context makes the next month's briefing sharper. Monthly is for the person who genuinely doesn't know yet. If you're staying past three months, annual pays for itself.
Fifty seats. An active beta cohort, not a discount tier. Founders test new capabilities one to three months before anyone else, vote on what's ready, and shape what gets built next — at 30% off the standard rate, locked while they stay. The Founders Club is Vithropic's structural commitment to the people it answers to.
How a seat worksNo. We ask for your first name — or whatever name you choose to give us. We do not ask for, and do not store, your last name, your address, your account numbers, your routing numbers, or your Social Security number. The documents you upload contain account numbers; we extract only what the intelligence layer needs, and the originals don't stick around.
Billing identity lives with our payments processor. Login identity lives with our identity provider. Neither connects back to financial data inside Vithropic. The data, the login, and the billing are three separate systems with three separate vendors. A breach of one can't become a breach of everything.
Vithropic never asks for your bank login. You upload documents — we never hold the keys to your accounts. Apps that aggregate your account credentials carry a different risk profile by design; when their servers get breached, the keys to thousands of bank accounts go with them. Ours don't, because we don't have them.
Your data is held — not deleted — unless you explicitly ask us to delete it. Cancellation pauses billing and access. Resume any time and the picture is still there. Tell us "forget my data" and it's gone, irreversibly.
Cole is how you reach the intelligence layer. He reads what you've uploaded, holds the context across months, and recommends the strongest move when the math ranks one — with rationale, and with the call left to you.
The smartest one we could put behind your finances. The intelligence in Cole runs on the most capable model available — and on months of context about your specific life: what you earn, what you spend, what you're working toward. That's why his answers feel like they actually know you. Cheaper AI would forget who you are between conversations. Yours doesn't.
No. Specific investment calls, specific tax filing, legal, and medical are four zones Cole defers on. He'll show you the math around the decision and tell you exactly what to walk into a CPA or planner conversation with — but the call belongs to you and a credentialed professional, not to Cole.
Your conversations are part of how Cole calibrates to you over time. They're held in your account, used to make the intelligence layer sharper month over month, and never sold, shared, or used to train models outside what's needed to serve you.
Five documents to set your foundation — the ones that show your actual life moving. In order of impact:
Bring them in your first wizard session. The trial includes one upload pass — plan ahead and bring the heaviest hitters. There's no second chance to upload during the trial, not even through Cole.
Make it a Sunday-morning thing. Once a month, sit down with coffee and your latest statements, and train the layer that's been working for you in the background. Fifteen, twenty minutes. The briefing two weeks later pays for itself.
You're not locked to monthly. Anytime a new document lands — a fresh paystub, a new statement, a new investment — upload it. The intelligence sharpens with every input. Monthly is the floor; whenever-something-changes is the ceiling.
Connect Apple Health or Google Health if you want the long arc — what your health does to your money, and what your money does to your health. Poor sleep on Monday turns up as looser spending on Tuesday. An extra five years of healthspan moves your Live Funded Date significantly. Both sides of one life.
From the Build tier up, yes. Both of you get your own account, and the intelligence layer reads across the two as one household picture. Both partners consent; each keeps individual ownership.
Tell Cole. Vithropic has a support mode for confirmed hardship. Briefings pause, Cole shifts to runway and triage, and billing is held. The specifics live inside the product; the principle is that we don't profit from your hardship.
Yes. One word from you and it's gone — your account closes, your data clears, we part ways positively. The intelligence layer doesn't keep what you've asked it to forget.
If the questions you're asking aren't answered here, the next step is to begin your four weeks. Most questions answer themselves once Cole has the picture in front of you.
No credit card. Full access. Four weeks.