The terms, plainlyorganized.

The agreement governing your use of the Velira application. The Velira software is a financial-information and education tool; on its own it is not a registered investment adviser, broker-dealer, bank, or fiduciary, and it does not provide personalized investment advice — it offers account aggregation, dashboards, summaries, projections, and general, impersonal educational information and tools that you act on at your own discretion. Velira is offered in four tiers; the higher tiers (Velira Wealth, Velira Tax, and Velira Estate) add a dedicated licensed human professional — a fiduciary CFP®, a CPA for personal tax, or an Estate Planner — who provides personalized professional services under a separate engagement described in the Professional Services & Fiduciary Disclosure. At no tier does Velira take custody of, hold, or trade your assets. These Terms cover app usage, eligibility, acceptable use, third-party data (Plaid/SnapTrade), the flat-fee plans and one-time onboarding, disclaimers, limitation of liability, indemnity, and binding arbitration with a class-action waiver and a 30-day opt-out.

How Velira, LLC — the provider of the Velira financial-information and education software and, on its higher tiers, of dedicated professional financial-planning, personal tax, and estate-planning services — collects, uses, shares, safeguards, and retains your personal information, including financial-account and holdings data from Plaid, brokerage data from SnapTrade, tax information, planning inputs, and the information your assigned professional needs on a higher tier. It explains your rights under the Colorado Privacy Act, the CCPA/CPRA, and other US state privacy laws, affirms that we do not sell or share your personal information, and describes our US-only posture and our subprocessors.

The Velira software is an educational and informational personal-finance tool. By itself it does not provide investment, tax, or legal advice and creates no advisory or fiduciary relationship: it is not a registered investment adviser or broker-dealer, it gives no personalized investment recommendations, and it provides general, impersonal educational information and tools, read-only, that you act on at your own discretion. If you engage a higher tier, a dedicated licensed human professional (a fiduciary CFP®, a CPA for personal tax, or an Estate Planner) provides personalized professional advice under a separate engagement — that advice comes from the professional, not the software. You place every trade yourself, and no one at Velira ever takes custody of or trades your assets.

Velira uses AI to generate summaries, projections, and coaching. AI outputs may be inaccurate or incomplete, are not advice, and must be independently verified. A human remains responsible for every decision.