Terms of Service

1. Acceptance of these Terms

These Terms of Service (the "Terms") form a binding agreement between you and Velira Finance ("Velira," "we," "us," or "our"), the operator of the Velira application and related websites and services (collectively, the "Service"). Please read them carefully.

By creating an account, clicking to accept, or otherwise accessing or using the Service, you agree to be bound by these Terms and by the documents they incorporate by reference, including the Privacy Policy, the Acceptable Use Policy, the Automatic Renewal terms, and the E-Sign Consent. If you do not agree, do not access or use the Service.

We may update these Terms from time to time as described in the "Changes to these Terms" section below. The version in effect is identified by the version number and effective date shown at the top of this document.

2. Eligibility

You must be at least 18 years old and capable of forming a binding contract to use the Service. The Service is offered only where it is lawful to do so. By using the Service you represent that you meet these requirements and that the information you provide is accurate.

The Service is intended for personal, non-commercial use by individuals located in the United States. We make no representation that the Service is appropriate or available for use in other locations.

3. The Service

Velira is an informational personal-finance tool. It aggregates account information you connect or enter — investments, cash, real estate, private lending, business interests, and similar holdings — into a unified view, and provides dashboards, summaries, projections, and AI-assisted coaching and briefings based on the figures available to it.

The Service is informational only. It is not a brokerage, bank, investment adviser, accountant, or law firm, and it does not execute transactions, move money, or place trades on your behalf. Connections to financial institutions are read-only and are made through third-party data aggregators.

We may add, change, suspend, or remove features at any time. Some features may be offered on an early-access or experimental basis and may be modified or discontinued.

4. Your account and security

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to use a strong, unique password, to enable available security features such as multi-factor authentication, and to notify us promptly at hello@velirafinance.com of any unauthorized access or suspected breach of your account.

You agree to provide accurate and complete information and to keep it current. We may suspend or terminate access to protect the Service or other users, or where we reasonably believe an account has been compromised or used in violation of these Terms.

5. Acceptable use

Your use of the Service is subject to the Acceptable Use Policy, which is incorporated into these Terms by reference. Among other things, you agree not to use the Service for any unlawful purpose, to interfere with or disrupt the Service, to attempt to gain unauthorized access to any system or account, or to reverse engineer, copy, or resell the Service except where such a restriction is prohibited by law.

Violation of the Acceptable Use Policy is a violation of these Terms and may result in suspension or termination of your access.

6. Third-party data aggregation and connected services

When you connect a financial account, the connection is established through a third-party data aggregator (for example, the providers identified in our Privacy Policy and Subprocessors list). Those connections are read-only: the Service can read account information needed to display and analyze your finances, but it cannot move money or transact on your behalf.

Your use of any third-party service, including a data aggregator or a connected financial institution, is governed by that third party's own terms and privacy practices. We are not responsible for third-party services, and the availability, timeliness, and accuracy of connected data may depend on them. You authorize us and our aggregation providers to access and retrieve information from accounts you connect, for the purpose of providing the Service to you.

7. No investment, tax, or legal advice

The Service is for informational and educational purposes only and does not constitute investment, financial, tax, accounting, or legal advice, and is not a recommendation to buy, sell, or hold any security or asset. Nothing in the Service creates an advisory, fiduciary, brokerage, or professional-client relationship between you and us.

Please review the full No-Advice Disclaimer, which is incorporated into these Terms by reference, and the AI Disclosure regarding AI-generated outputs. You are solely responsible for your own financial decisions and should consult appropriately licensed professionals before acting.

8. Disclaimers of warranty

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

We do not warrant that the Service will be uninterrupted, secure, timely, or error-free, that defects will be corrected, or that any information, calculation, projection, or AI-generated output presented through the Service is accurate, complete, or current. Some jurisdictions do not allow the exclusion of certain warranties, so some of these exclusions may not apply to you.

9. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, NEITHER Velira Finance NOR ITS AFFILIATES, OFFICERS, EMPLOYEES, OR SUPPLIERS WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR INVESTMENT LOSSES, ARISING OUT OF OR RELATING TO YOUR USE OF, OR INABILITY TO USE, THE SERVICE, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY, OR ANY OTHER THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US FOR THE SERVICE IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS (US$100).

Some jurisdictions do not allow the limitation or exclusion of certain damages, so portions of this section may not apply to you. Nothing in these Terms limits liability that cannot be limited under applicable law.

10. Indemnification

You agree to defend, indemnify, and hold harmless Velira Finance and its affiliates, officers, employees, and agents from and against any claims, damages, liabilities, losses, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Service, your violation of these Terms, your violation of any law, or your infringement of the rights of any third party.

11. Term and termination

These Terms remain in effect while you use the Service. You may stop using the Service and delete your account at any time. We may suspend or terminate your access if you violate these Terms, if required by law, or where reasonably necessary to protect the Service or other users.

Provisions that by their nature should survive termination — including fees owed, disclaimers, limitation of liability, indemnification, and the dispute-resolution provisions — will survive.

12. Changes to these Terms

We may revise these Terms from time to time. When we make material changes, we will update the version number and effective date and provide notice as required by law, which may include posting the updated Terms in the Service or notifying you by email. Changes take effect as stated in the notice. Your continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

13. Governing law

These Terms and any dispute arising out of or relating to them or the Service are governed by the laws of the State of Colorado, without regard to its conflict-of-laws rules, and, where applicable, by the Federal Arbitration Act. Subject to the dispute-resolution provisions below, the exclusive venue for any dispute that is not subject to arbitration will be the state or federal courts located in Denver County, Colorado, and you consent to the personal jurisdiction of those courts.

14. Dispute resolution; binding arbitration; class-action waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY TRIAL.

Informal resolution first. Before initiating arbitration, you agree to try to resolve the dispute informally by sending a written notice describing the dispute to Velira Finance, Colorado, USA (or hello@velirafinance.com). The parties will attempt in good faith to resolve the dispute for 60 days before either party may commence arbitration.

Agreement to arbitrate. Except for the excluded claims described below, you and Velira Finance agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by final and binding individual arbitration administered by the American Arbitration Association (AAA) under its then-current rules, rather than in court. The arbitrator has exclusive authority to resolve any dispute relating to the interpretation, applicability, or enforceability of this arbitration agreement.

Class-action waiver. YOU AND Velira Finance AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims or preside over any form of a representative or class proceeding.

Opt-out. You may opt out of this arbitration agreement by sending written notice to hello@velirafinance.com within 30 days of first accepting these Terms. If you opt out, neither you nor we will be bound by the arbitration agreement or the class-action waiver.

Excluded claims. Either party may bring an individual action in small-claims court, and either party may seek injunctive or other equitable relief in court to protect intellectual-property or confidential-information rights, in each case to the extent permitted by applicable law. If the class-action waiver is found unenforceable as to a particular claim, that claim (and only that claim) will proceed in court.

15. Miscellaneous

These Terms, together with the documents they incorporate, are the entire agreement between you and us regarding the Service. If any provision is found unenforceable, the remaining provisions remain in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets.

16. Contact

Questions about these Terms? Contact Velira Finance at hello@velirafinance.com or Colorado, USA.