Terms of Use

1. Acceptance of Terms & Parties

The software platform Velafolio (the “Platform,” “Site,” or “Service”) is owned and operated by Velafolio (“Company,” “we,” “us,” or “our”). These Terms of Use (“Agreement” or “Terms”) constitute a legally binding agreement between Velafolio and you (“User,” “you,” or “your”).

By accessing or using the Site, creating an account, or interacting with our retirement calculators, cash flow projections, scenario planners, and consultation forms, you acknowledge that you have read, understood, and agreed to be bound by these Terms and our associated privacy practices. If you do not agree with any part of these Terms, you must immediately refrain from accessing or using the Platform.

2. Informational & Educational Purpose (Financial Disclaimer)

All calculations, cash flow estimates, retirement readiness scores, Monte Carlo probabilities, tax bracket estimates, and Social Security drawdown models generated by the software are mathematical projections based on user-supplied parameters and historical assumptions.

Hypothetical simulations do not guarantee or predict future market performance, inflation trajectories, legislative tax changes, or investment returns. Actual financial outcomes may vary significantly. You are solely responsible for evaluating your financial circumstances, and we strongly recommend consulting a certified financial planner (CFP®), fee-only fiduciary advisor, certified public accountant (CPA), or estate attorney before executing any financial transaction or investment strategy.

3. Complimentary Strategy Reviews & Advisory Inquiries

Velafolio provides users with the option to request a complimentary financial plan strategy review or second opinion through our consultation intake feature. When you submit a consultation request:

• You voluntarily provide contact information and high-level financial goals to facilitate a personalized review.
• You authorize Velafolio and designated fiduciary advisory professionals to contact you via email or telephone regarding your specific inquiry.
• Submitting an inquiry through the software does not in itself establish a client-advisor fiduciary contract until formal engagement documentation is directly executed between you and the respective advisor.

4. User Eligibility & Account Responsibilities

To use Velafolio, you represent and certify that:

• You are at least eighteen (18) years of age or the legal age of majority in your jurisdiction.
• All registration and profile information you provide is complete, truthful, and accurate.
• You are responsible for maintaining the confidentiality of your account credentials and passwords.
• You accept full responsibility for all activities that take place under your user account.

You may permanently delete your account and all associated retirement plans, scenario records, and financial inputs at any time directly through the Profile settings in your dashboard.

5. Intellectual Property, AI Code Generation & Independent Development

All intellectual property rights in and to the Platform—including but not limited to the software code, financial calculation algorithms, visual interface design, interactive charts, brand names, logos, text, and documentation—are the exclusive property of Velafolio and its licensors, protected by United States and international copyright, trademark, and trade secret laws.

Velafolio grants you a personal, revocable, non-exclusive, non-transferable, and non-sublicensable license to access and use Velafolio solely for your individual, non-commercial financial planning purposes. You agree not to copy, modify, distribute, publish, sell, reverse engineer, decompile, or extract the underlying code of the Platform.

AI Code Generation Disclaimer: The software, source code, mathematical routines, and user interface of this website were generated and assisted by artificial intelligence (AI) systems for Velafolio. Velafolio is independently created, operated, and maintained. Any similarity or resemblance in architecture, features, layout, or terminology to any other website, commercial product, or third-party service is completely accidental, coincidental, and unintended. Velafolio claims no affiliation with, endorsement by, or connection to any third-party financial planning software provider.

6. Prohibited Activities

When using Velafolio, you expressly agree not to:

• Use the Platform for any illegal purpose or in violation of any applicable local, state, national, or international law.
• Introduce viruses, worms, trojans, or any software agents designed to disrupt, compromise, or damage our systems.
• Attempt to gain unauthorized access to our servers, user accounts, databases, or network infrastructure.
• Employ automated scrapers, spiders, bots, or data-extraction tools to harvest information from the Site without explicit written authorization.
• Impersonate any individual or entity, or misrepresent your affiliation with any person or organization.
• Interfere with or degrade the normal operation, speed, or security of the Platform for other users.

7. Voluntary Sponsorships & Third-Party Services

Velafolio is made freely available to the public. We may provide optional avenues for community members to support ongoing software development and hosting infrastructure through voluntary contributions (such as “Buy Me a Coffee” via Stripe). Voluntary sponsorships are non-refundable and do not constitute an investment in Velafolio or a purchase of regulated financial products.

The Platform may also link to third-party services (such as payment processors or scheduling integrations). We do not control and are not responsible for the availability, content, or practices of third-party platforms.

8. Disclaimer of Warranties

THE PLATFORM, SOFTWARE TOOLS, CALCULATORS, AND CONTENT ARE PROVIDED STRICTLY ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITH ALL FAULTS.

TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, VELAFOLIO EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, STATUTORY, OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR HARMFUL CODE.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL VELAFOLIO, ITS FOUNDERS, OFFICERS, EMPLOYEES, CONTRACTORS, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES—INCLUDING LOSS OF PROFITS, LOSS OF SAVINGS, LOSS OF DATA, OR DAMAGES RESULTING FROM FINANCIAL OR INVESTMENT DECISIONS MADE IN RELIANCE ON THE SOFTWARE—ARISING OUT OF OR IN CONNECTION WITH YOUR ACCESS TO OR USE OF VELAFOLIO.

IF YOU ARE DISSATISFIED WITH THE PLATFORM OR ANY PORTION OF THESE TERMS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING VELAFOLIO.

10. Indemnification

You agree to defend, indemnify, and hold harmless Velafolio, its officers, directors, contractors, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable legal fees) arising out of or relating to your violation of these Terms of Use or your misuse of the Platform.

11. Dispute Resolution, Binding Arbitration & Class Action Waiver

Informal Resolution: Before initiating any formal legal proceeding, you agree to contact us in writing at admin@quantlance.com to describe your claim and allow us thirty (30) days to attempt an amicable resolution.

Binding Arbitration: Any dispute, controversy, or claim arising out of or relating to these Terms or your use of Velafolio that cannot be resolved informally shall be resolved by final and binding individual arbitration administered in accordance with the Consumer Arbitration Rules of the American Arbitration Association (AAA). The arbitration shall be conducted on an individual basis.

Class Action Waiver: YOU AND VELAFOLIO AGREE THAT ALL CLAIMS AND DISPUTES MUST BE BROUGHT IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING.

Jury Trial Waiver: TO THE EXTENT PERMITTED BY LAW, BOTH PARTIES KNOWINGLY AND VOLUNTARILY WAIVE ANY CONSTITUTIONAL OR STATUTORY RIGHT TO A TRIAL BY JURY.

12. Modifications to Terms & Service

We reserve the right to revise, update, or modify these Terms of Use at any time. When modifications are made, we will update the “Effective Date” at the top of this document and post the current agreement on the Site. Your continued use of Velafolio after changes are posted constitutes your binding acceptance of the updated Terms.

13. Contact Information & Electronic Notices

All formal inquiries, legal notices, feedback, and questions concerning these Terms of Use should be submitted electronically to our administrative team: