Real Vision Visionary Points Program

Program Terms

These Visionary Points Program Terms (these “Terms”) apply to the Visionary Points Program (the “Program”) operated by Real Vision Group SEZC and its affiliates (“Real Vision”). By participating in the Program, each member of Real Vision (a “Member”) agrees to these Terms and to all decisions of Real Vision, which are final and binding.

1. Overview

The Program rewards Members for active, high-quality participation in the Real Vision community. Members at every tier, including the Free tier, earn Visionary Points (“Credits”) that may be applied as a credit toward a first paid membership plan, a tier upgrade, a same-tier extension, or an automatic renewal on the Real Vision platform (the “Platform”). A Member on the Free tier may accumulate a Credit balance and apply it toward a first paid plan.

Credits fall into three categories. “Earned Credits” are Credits earned through the engagement actions described in Section 3(a) through 3(d), and are subject to tier multipliers and earning caps. “Bonus Credits” are tenure bonuses and onboarding quest awards described in Section 3(f) and 3(h), which are flat amounts not subject to multipliers or caps. “Granted Credits” are the signup grant and any campaign credit described in Section 3(g) and 3(i), which Real Vision grants at its discretion and which carry an expiration date.

Credits have no cash value and are not redeemable for cash, currency, or any property other than the in-program benefits described in these Terms. Credits are not securities, not currency, not stored value, not a deposit, and not an investment, and do not confer any equity, ownership, or other right against Real Vision. Real Vision is not a money transmitter and the Program is not money transmission. Credits are non-transferable, non-assignable, non-refundable, and cannot be sold, gifted, traded, or withdrawn.

2. Eligibility; Good Standing; Strikes

The Program is open to natural persons who:

(a)  are at least 18 years of age (or the age of majority in their jurisdiction of residence, whichever is higher);

(b)  hold an active Real Vision account in good standing; and

(c)  are not employees, officers, directors, contractors, or direct vendors of Real Vision.

A Member is in “good standing” unless the Member is serving a strike under this Section 2.

Real Vision may issue a strike against a Member’s account when Real Vision removes a Member’s post from the Platform feed for violation of the Community Guidelines, the Real Vision Terms of Service, or these Terms, or when Real Vision determines that a Member has engaged in activity that undermines the integrity of the Program. A strike suspends the Member’s ability to earn Credits for the following periods: a first strike for seven (7) days; a second strike for twenty-one (21) days; and a third strike permanently. Strikes do not expire and remain on the Member’s account record. Credits already in the Member’s balance at the time a strike is issued are retained and are not forfeited by reason of the strike alone. A Member may request review of a strike by contacting support@realvision.com with the subject line “Visionary Points Strike Review”; Real Vision’s determination on any review is final and binding.

Real Vision reserves the right to exclude or disqualify any account that violates the Community Guidelines, the Real Vision Terms of Service, or these Terms, or engages in activity that undermines the integrity of the Program. Real Vision may, in its sole discretion, refuse to award or claw back Credits earned through gaming, bot activity, sockpuppet accounts, coordinated activity, manipulation, or any other inauthentic conduct.

3. Earning Credits

(a) Earning actions and base rates. Earned Credits are earned through the following actions when performed by or received from qualified accounts (as defined in Section 5). Base rates are expressed in Credits before application of the tier multiplier in Section 4:

ActionBase rate
Receiving a like on a post1
Receiving a like on a comment1
A Member opening your post’s page1
Receiving a share of your post2
Receiving a bookmark of your post3
Receiving a comment on your post4
Receiving a vote on your Trade Idea1

Comments and likes on comments earn Credits at every reply depth. A comment must contain at least fifty (50) characters to earn Credits. A post opening earns Credits once per Member per post per rolling twenty-four (24) hour period.

(b) Repeat limits per Member per post. Likes, bookmarks, shares, and Trade Idea votes from any one Member on any one post earn Credits once. Comments from any one Member on any one post earn Credits for at most five (5) comments.

(c) Engagement threshold bonuses. A post earns cumulative threshold bonuses as it reaches five (5), ten (10), and thirty (30) qualified engagements. For a Note, the bonuses are six (6), ten (10), and twenty (20) Credits respectively. For a Trade Idea, the bonuses are two (2), six (6), and ten (10) Credits respectively. Each threshold passed is paid and is subject to the tier multiplier in Section 4. Post openings, replies beyond the first depth, and likes on comments do not count toward the thresholds.

(d) Earning caps. Earned Credits are subject to the following caps, expressed in Credits after application of the tier multiplier. An award that would cause a cap to be exceeded is reduced to the amount of room remaining under the cap.


CapFree, Connect, Alpha, ExponentialistPro, RVIP
Rolling 30 days, per account2,00010,000
Rolling 24 hours, per account1,0005,000
Rolling 24 hours, from one Member to one author6203,100

Bonus Credits and Granted Credits are not counted toward, and are not limited by, the caps in this Section 3(d).

(e) Reversal on post removal or deletion. When Real Vision removes a post or the author deletes it, the Earned Credits that the author received from engagement on that post are reversed. The reversal applies only to that author’s Credits earned from that post and will not reduce the author’s balance below zero. A subscription, upgrade, extension, or renewal already paid for with Credits is not affected by a subsequent reversal.

(f) Tenure bonuses. A Member who reaches each of the following account age milestones, and who has recorded at least one active session on the Platform in each of the three (3) calendar months immediately preceding the milestone, receives a flat Bonus Credit award: 6 months, 500 Credits; 1 year, 1,000 Credits; 18 months, 1,500 Credits; 2 years, 2,000 Credits; 30 months, 2,500 Credits; 3 years, 3,000 Credits; 42 months, 3,500 Credits; 4 years, 4,000 Credits; 54 months, 4,500 Credits; 5 years, 5,000 Credits. Tenure bonuses are not subject to the tier multiplier in Section 4.

(g) Signup grant. Each new Free-tier account is credited with 1,000 Granted Credits at signup. An account created directly on a paid tier does not receive a signup grant. The signup grant is available once per payer for the life of the Program. Real Vision checks email root and sign-in identity at signup, and payment card and billing address at checkout, to enforce the once-per-payer rule. Where a match to a prior signup grant is found, Real Vision will refuse or remove the grant. A Member whose grant is refused or removed may still hold an account, earn Credits, and subscribe at list price.

(h) Onboarding quests. A new Free-tier account may complete up to five (5) one-time onboarding quests, each worth 150 Bonus Credits: completing the account profile; following three (3) Members; adding five (5) tickers to a watchlist; starting a chat with RV Brain; and tagging @rvbrain in a comment. Quests are available for seventy-two (72) hours from account creation. Quest awards are not subject to the tier multiplier in Section 4. Onboarding quests are available to new Free-tier accounts only.

(i) Campaign credit. Real Vision may, from time to time and in its sole discretion, grant Granted Credits to existing Members by tier and membership term, with the amount and expiration date set per campaign. The once-per-payer rule in Section 3(g) does not apply to campaign credit.

(j) Posts under review. A post that Real Vision has placed under review earns no new Credits while the review is pending. Credits already earned from the post before it was placed under review are retained, subject to Section 3(e).

Real Vision may decline to award Credits, or claw back Credits previously awarded, in respect of any action that Real Vision determines, in its sole discretion, was inauthentic, manipulated, gamed, or otherwise inconsistent with the spirit of the Program. Exact base rates, tier multipliers, engagement thresholds, caps, and conditions may be updated from time to time, subject to Section 10.

4. Tier Multipliers

Earned Credits are multiplied according to the Member’s current tier: Free (4×), Connect (5×), Alpha (12×), Exponentialist (12×), Pro (50×), RVIP (50×). If a Member holds Exponentialist status together with a paid tier, the higher of the applicable multipliers applies. Bonus Credits and Granted Credits are not subject to the tier multiplier.

5. Qualified Accounts

An account is “qualified” (and therefore able to generate Credits for others) only if:

(a)  the account was created at least seven (7) days prior to the action; and

(b)  the account is not subject to any active moderation action, strike, suspension, or other restriction by Real Vision.

Real Vision’s determination of qualified-account status is final and binding.

6. Account Activity Requirements; Forfeiture

(a) Activity requirement. Credits remain available for redemption while the Member demonstrates proof of life on the Platform at least once every forty-five (45) days. “Proof of life” means any active session on the Platform, including a scroll, click, comment, or other recorded engagement. If the Member has not demonstrated proof of life for forty-five (45) consecutive days, all accumulated Credits will be forfeited and reset to zero with no right of recovery.

(b) Free-tier Members. A Member who has never held a paid subscription may hold and redeem a Credit balance on the Free tier, subject to Section 6(a).

(c) Lapse, cancellation, or downgrade of a paid subscription. If a Member’s paid subscription lapses, is canceled, or is downgraded by the Member to any lower tier (including a paid-to-paid downgrade or a move to the Free tier), all accumulated Credits will be forfeited immediately upon lapse, cancellation, or downgrade, and reset to zero with no right of recovery. This Section 6(c) applies to Members on every paid tier, including RVIP.

(d) No Real Vision-initiated reduction. No change made by Real Vision to pricing, tier structure, product names, or Platform migration will reduce a Member’s Credit balance. In any such change, the Member’s balance is carried across at face value. A Member’s Credit balance may be reduced only by the Member’s own downgrade or cancellation under Section 6(c), by inactivity under Section 6(a), by reversal under Section 3(e), by expiration of Granted Credits under Section 8, or by Real Vision’s determination of inauthentic conduct under Section 2 or Section 3.

(e) No balance cap. Credits accumulate without limit, subject only to the earning caps in Section 3(d) and the forfeiture rules in this Section 6.

(f) Balance visibility. Real Vision will display the Member’s current Credit balance in the Member’s homepage or wallet during active sessions on the Platform, providing continuous visibility of the Credit balance that is subject to potential forfeiture under this Section 6. The Member is responsible for maintaining awareness of the Member’s Credit balance and the applicable forfeiture rules.

Real Vision may, in the future and at its discretion, introduce email or in-app reminder notifications before forfeiture, grace periods, reactivation windows, or other softening mechanisms; no such reminder, grace, reactivation window, or other softening will apply until expressly adopted by Real Vision and incorporated into these Terms.

7. Redemption

(a) Automatic application. Available Credits are applied automatically at checkout and at automatic renewal, up to the full cost of the transaction. The Member does not elect whether to apply Credits. Excess Credits carry forward automatically.

(b) Eligible transactions. Credits may be applied toward a first paid membership plan purchased from the Free tier, a tier upgrade, a same-tier extension, or an automatic renewal, on any paid tier and any membership term, including annual terms. Credits may not be applied to events, courses, reports, one-off products, or any other Real Vision good, service, or product, and may not be redeemed for cash.

(c) Order of application. Granted Credits are applied before Earned Credits and Bonus Credits.

(d) Promotional codes. Credits and promotional codes do not combine. Where a promotional code is applied to a transaction, no Credits will be applied to that transaction, and checkout will notify the Member before completion.

(e) Automatic renewal. Applying Credits to a renewal does not modify the auto-renewal terms applicable to the Member’s subscription under California Business and Professions Code Section 17600 et seq., similar state laws, or any other automatic-renewal regime.

8. Expiration

(a) Earned Credits and Bonus Credits do not expire. Earned Credits and Bonus Credits remain available for redemption indefinitely, subject only to the forfeiture rules in Section 6 and reversal under Section 3(e). For clarity, forfeiture under Section 6 and reversal under Section 3(e) are distinct from expiration and apply to all categories of Credits.

(b) Granted Credits expire. Granted Credits expire on the date stated at the time of grant, counted from the date of grant. The signup grant under Section 3(g) expires thirty (30) days after the date of grant. Campaign credit under Section 3(i) expires on the date stated in the campaign. The notice provided at the time of grant constitutes notice of the expiration date, and no further advance notice of expiration will be provided. Unused Granted Credits are forfeited on expiration.

(c) Onboarding quest window. Quest awards under Section 3(h) not earned within seventy-two (72) hours of account creation are forfeited. Quest awards earned within that window are Bonus Credits and do not expire.

9. No Cash Value; Non-Transferable

Credits have no cash surrender value and may only be used within the Platform for the purposes described in these Terms. Credits are non-transferable, non-assignable, non-refundable, and cannot be sold, gifted, traded, or withdrawn. Real Vision reserves all rights and remedies available to it under applicable law in respect of any attempted transfer, assignment, sale, gift, trade, withdrawal, or other unauthorized use of Credits.

10. Rate Adjustments

Real Vision reserves the right to adjust earning rates, introduce or modify daily, weekly, or other periodic caps, modify tier multipliers, modify engagement thresholds, introduce maximum Credit balances or maximum redemption amounts per Member per period, or make other changes to the Program, at any time. Material changes will be communicated to Members by email and in-app notification at least fourteen (14) days in advance when reasonably practicable.

Adjustments to earning rates, tier multipliers, engagement thresholds, and caps will apply only to Credits earned after the effective date of the adjustment. Credits earned before an adjustment will retain the redemption value they had at the time of earning.

11. Program Changes; Termination

Real Vision may modify, suspend, or terminate the Program at any time. If Real Vision elects to terminate the Program, Real Vision will provide Members with not less than ninety (90) days advance notice of termination, during which Members may apply outstanding Credits to a subscription renewal or to a final subscription extension on terms communicated by Real Vision. Credits that remain unused at the end of the wind-down window will be forfeited. Real Vision is not required to provide a wind-down period in respect of any Member who, at the time of termination, is not in good standing under Section 2 or who is subject to forfeiture under Section 6.

12. Identity Verification for High-Value Redemption

If a Member’s aggregate annual Credit redemption value (calculated using the then-current subscription-credit equivalent) exceeds $1,000, Real Vision may require the Member to verify identity and to pass sanctions and politically-exposed-person screening as a condition of any further redemption in that period. Real Vision’s determination on identity verification and screening is final and binding.

13. Privacy; Cross-Account Matching

Personal information collected from Members in connection with the Program will be processed in accordance with Real Vision’s Privacy Policy at https://www.realvision.com/privacy.

To enforce the once-per-payer rule in Section 3(g) and to prevent abuse of the Program, Real Vision matches certain identifiers across accounts. At signup, Real Vision compares the Member’s email root and sign-in identity against prior accounts. At checkout, Real Vision compares a tokenized payment card fingerprint provided by its payment processor and a normalized billing address against prior accounts. Real Vision does not store full payment card numbers for this purpose. Real Vision uses these identifiers solely to determine eligibility for Program benefits and to detect and prevent abuse, and processes them on the basis of its legitimate interest in preventing fraud and maintaining the integrity of the Program. By participating in the Program, the Member acknowledges this processing.

14. Compliance and Disclaimers

The Program is for informational, educational, and engagement purposes only. Participation in the Program does not constitute investment advice, and no content posted by Members in connection with earning Credits constitutes investment advice by Real Vision. All trading and investment decisions remain the sole responsibility of the Member. Real Vision does not guarantee any particular investment outcome.

Credits are not securities, not currency, not stored value, not a deposit, not an investment, and not a money transmission instrument. Real Vision is not an investment adviser, broker-dealer, or money services business in connection with the Program. No Member, by virtue of holding or redeeming Credits, has any rights against Real Vision other than the in-program rights described in these Terms. Real Vision is not a fiduciary to any Member in connection with the Program.

15. Governing Law; Dispute Resolution; Class Action Waiver

These Terms are governed by the laws of the Cayman Islands, without regard to conflict-of-laws principles. Any dispute arising out of or relating to the Program or these Terms will be resolved exclusively in the courts of the Cayman Islands, and each Member consents to that jurisdiction.

For Members resident in the United States, any dispute arising out of or relating to the Program or these Terms that the Member elects to pursue in the United States shall, at Real Vision’s election, be resolved by binding individual arbitration administered by JAMS under its Streamlined Arbitration Rules, with the seat in New York, New York. Each Member waives the right to participate in any class, collective, or representative action or proceeding. Nothing in this Section 15 limits the right of any party to seek injunctive relief to protect intellectual property or confidential information.

Before commencing any litigation or arbitration arising out of or relating to the Program or these Terms, the Member must provide Real Vision with not less than thirty (30) days written notice of the claim, including reasonable particulars, sent to support@realvision.com with the subject line “Visionary Points Inquiry.”

16. Contact

Questions regarding the Visionary Points Program may be directed to support@realvision.com with the subject line “Visionary Points Inquiry.”

Real Vision Visionary Points Program. Program Terms v2, effective October 8th, 2026. Supersedes the Program Terms dated August 2026.

 

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