Terms of Use

These Terms of Use (“Terms”) govern your access to and use of the VeloraVantage Advisors, LLC website, including its content, forms, assessments, communications, and related services.

“VeloraVantage,” “we,” “us,” and “our” refer to VeloraVantage Advisors, LLC. “You” and “your” refer to any visitor, user, or person submitting information through the website.

By accessing the website or submitting information, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the website.

1. Eligibility

You must be at least 18 years old and legally capable of entering into a binding agreement to use the website or submit an assessment. By using the website, you represent that you satisfy these requirements.

2. Purpose of the Website

The website provides general information about VeloraVantage and allows visitors to submit a complimentary Funding Interest & Opportunity Assessment. The assessment is an introductory intake tool used to gather information about your interests, goals, business, and potential funding needs.

It is not:

• A loan application
• A credit application
• A commitment to lend
• A lender prequalification
• A credit decision
• A guarantee of eligibility
• A funding approval
• A contract for paid advisory services
• A substitute for independent professional advice

Submission of an assessment does not create a client, fiduciary, lender, borrower, broker, agency, attorney-client, accountant-client, or financial-advisory relationship. A separate written agreement may be required before VeloraVantage provides any paid or individualized professional service.

3. VeloraVantage Is Not a Lender

VeloraVantage is a strategic advisory firm. VeloraVantage is not a bank, lender, financial institution, credit bureau, law firm, accounting firm, investment adviser, securities broker, tax adviser, or credit repair organization.

We do not:

• Make loans
• Extend credit
• Make underwriting decisions
• Set lending criteria
• Control lender decisions
• Guarantee funding or approval
• Guarantee rates, terms, timing, or outcomes
• Promise that any lender or funding provider will contact you or consider your request

All eligibility, underwriting, approval, documentation, rates, fees, terms, and funding decisions are made independently by the applicable third-party provider.

4. No Professional Advice

Website content and communications are provided for general informational and educational purposes. Nothing on the website constitutes legal, tax, accounting, investment, securities, consumer-credit, credit-repair, or other regulated professional advice. You should consult appropriately licensed professionals regarding your specific legal, financial, tax, accounting, investment, or credit circumstances.

5. No Guarantee of Results

Funding outcomes depend on factors outside VeloraVantage’s control, including:

• Credit history and creditworthiness
• Income and revenue
• Time in business
• Documentation
• Assets and collateral
• Debt obligations
• Industry
• Geographic location
• Market conditions
• Lender policies
• Provider eligibility requirements
• Underwriting decisions

Past experiences, examples, strategies, educational information, or potential pathways do not guarantee future outcomes.

6. User Information and Responsibilities

You agree to provide information that is accurate, complete, current, and submitted in good faith.

You agree not to:

• Impersonate another person or business
• Submit false, misleading, fraudulent, or unauthorized information
• Use an email address or telephone number you do not have authority to use
• Submit another person’s personal or financial information without permission
• Upload malicious code or interfere with website operation
• Attempt to access restricted systems or information
• Use the website for unlawful, abusive, deceptive, or fraudulent purposes
• Scrape, copy, harvest, or misuse website content or user information

VeloraVantage may disregard, restrict, or delete submissions that appear false, incomplete, abusive, fraudulent, or inconsistent with these Terms.

7. Authorization to Contact You

When you submit an assessment, inquiry, or contact request, you authorize VeloraVantage to contact you regarding that submission using the contact information you provide. Contact may occur by telephone, email, or other method you request or authorize. Submitting a request does not authorize automated marketing calls or text messages unless you separately provide any consent required by applicable law. You may ask us to stop nonessential communications at any time.

8. Authorization to Share Information

VeloraVantage will not submit your information to potential lenders, funding sources, financing partners, or financial institutions unless you provide authorization; the sharing is reasonably related to the funding opportunity or assistance you requested; or disclosure is permitted or required by law. Authorization to share information does not guarantee that any provider will review, accept, approve, or fund your request. Third-party providers may require separate applications, authorizations, disclosures, credit inquiries, documentation, agreements, or fees.

9. Credit Information

Any estimated credit-score range you provide is self-reported and may not reflect the score, scoring model, report, or information used by a lender or funding provider. VeloraVantage does not obtain or access a consumer credit report through the complimentary assessment. If a future service requires access to credit information, that access will be subject to separate authorization, disclosures, agreements, and applicable legal requirements.

10. Third-Party Providers and Links

The website may reference, link to, or facilitate communications with independent third parties, including lenders, banks, funding providers, financial institutions, Jotform, LandingSite, Google, email-verification providers, scheduling or communication providers, and other business resources. Third parties are independent from VeloraVantage unless expressly stated otherwise.

VeloraVantage does not control and is not responsible for their content, privacy practices, security, products or services, eligibility requirements, representations, fees, decisions, performance, or terms or agreements. Your dealings with a third party are between you and that third party. You are responsible for reviewing and understanding all third-party terms, disclosures, fees, repayment obligations, and agreements before proceeding.

11. Intellectual Property

The website and its content, including text, branding, logos, graphics, designs, service names, layouts, educational materials, and original content, are owned by or licensed to VeloraVantage and are protected by applicable intellectual-property laws. You may view and use the website for personal, noncommercial purposes. You may not reproduce, distribute, modify, publish, transmit, sell, license, create derivative works from, or commercially exploit website content without prior written permission. “VeloraVantage,” related logos, taglines, and service names may be trademarks or proprietary brand assets of VeloraVantage Advisors, LLC.

12. Website Availability and Changes

We may update, suspend, restrict, discontinue, or modify any part of the website at any time without notice. We do not guarantee that the website will always be available, content will always be current or error-free, defects will be corrected immediately, the website will be free from viruses or harmful components, or any submission will be received, reviewed, or answered within a specific period. References to anticipated response times are service goals, not guarantees.

13. Disclaimer of Warranties

To the maximum extent permitted by law:

The website, content, assessments, and related communications are provided “as is” and “as available.” VeloraVantage disclaims all express or implied warranties, including warranties of merchantability, fitness for a particular purpose, accuracy, completeness, non-infringement, availability, security, and results. Some jurisdictions may not permit certain warranty exclusions, so portions of this section may not apply to you.

14. Limitation of Liability

To the maximum extent permitted by law:

VeloraVantage and its owners, officers, employees, contractors, agents, affiliates, and service providers will not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising from or related to your use or inability to use the website, reliance on website content, submission or transmission of information, third-party conduct or decisions, failure to obtain funding, funding terms or repayment obligations, lost profits, opportunities, data, goodwill, or business, or unauthorized access, interruptions, errors, or security incidents.

VeloraVantage’s total liability arising from your use of the public website will not exceed the greater of the amount you paid VeloraVantage specifically for the matter giving rise to the claim or one hundred U.S. dollars ($100). Nothing in these Terms excludes liability that cannot legally be excluded.

15. Indemnification

To the extent permitted by law, you agree to defend, indemnify, and hold harmless VeloraVantage and its owners, officers, employees, contractors, agents, and affiliates from claims, liabilities, damages, losses, and expenses, including reasonable attorneys’ fees, arising from your misuse of the website, your violation of these Terms, information you submit, your infringement of another person’s rights, or your unlawful, fraudulent, or unauthorized conduct.

16. Privacy

Our collection and use of personal information are described in our Privacy Policy, which is incorporated into these Terms by reference.

17. Governing Law and Venue

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles. Any legal action arising from these Terms or the website must be brought in the state or federal courts located in Pinellas County, Florida, unless applicable law requires otherwise. You and VeloraVantage consent to the jurisdiction of those courts.

18. Severability

If any provision of these Terms is found invalid or unenforceable, that provision will be limited or removed only to the minimum extent necessary. The remaining provisions will continue in effect.

19. No Waiver

Failure to enforce any provision of these Terms does not waive our right to enforce it later.

20. Assignment

You may not assign your rights or obligations under these Terms without our written consent. VeloraVantage may assign these Terms in connection with a merger, restructuring, acquisition, sale of assets, or transfer of business operations.

21. Entire Agreement

These Terms and the Privacy Policy constitute the entire agreement governing use of the public website. Any paid service or professional engagement may be governed by a separate written agreement. If a separate agreement conflicts with these Terms, the separate agreement controls for that engagement.

22. Changes to These Terms

We may revise these Terms from time to time. The updated version will be posted with a revised “Last Updated” date. Continued use of the website after revisions become effective constitutes acceptance of the revised Terms.

23. Contact Information

Questions regarding these Terms may be sent to: