Terms & Conditions

Effective date: February 25, 2026

1) Introduction

These Terms & Conditions (“Terms”) govern your access to and use of this website (the “Site”). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, do not use the Site.

2) Informational use only (no professional advice)

Content on this Site is provided for general informational purposes only and does not constitute accounting, tax, legal, or financial advice. You should not rely on Site content as a substitute for professional advice tailored to your specific circumstances. Any services we provide are governed by a separate written agreement.

3) Eligibility

You represent that you are at least 18 years old and have the legal capacity to enter into these Terms.

4) Intellectual property

All content on this Site, including text, graphics, logos, images, and design elements, is owned by or licensed to us and is protected by applicable intellectual property laws. You may view, download, and print content for your personal, non-commercial use only. You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise exploit any content without our prior written permission.

5) Acceptable use

You agree not to:

• Use the Site for any unlawful, fraudulent, or malicious purpose.
• Attempt to gain unauthorized access to the Site, servers, or connected systems.
• Introduce viruses, malware, or other harmful code.
• Interfere with or disrupt the Site’s operation or security.
• Scrape, harvest, or collect information from the Site without permission.
• Impersonate any person or misrepresent your affiliation with any entity.

6) Third-party links and services

The Site may contain links to third-party websites or services (for example, scheduling tools such as Calendly). We do not control and are not responsible for the content, policies, or practices of third parties. Your use of third-party websites or services is at your own risk and subject to their terms and privacy policies.

7) Disclaimers

THE SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

We do not warrant that the Site will be uninterrupted, error-free, secure, or free of harmful components.

8) Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL WE BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SITE SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US $100).

9) Indemnification

You agree to defend, indemnify, and hold us harmless from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising from or related to your violation of these Terms or misuse of the Site.

10) Changes to the Site and Terms

We may update the Site and these Terms at any time. Changes are effective when posted on this page. Your continued use of the Site after changes become effective constitutes acceptance of the updated Terms.

11) Governing law

These Terms are governed by the laws applicable in the jurisdiction where we operate, without regard to conflict of laws principles. Any disputes arising out of or relating to these Terms or the Site shall be resolved in the courts of that jurisdiction, unless otherwise required by applicable law.

12) Contact

If you have questions about these Terms, contact us at: info@velmfinancialservices.com