Terms of Use
Last updated: July 22, 2026
Please read these Terms of Use carefully before accessing or using any part of the Velmor Ona platform available at velmorona.com. By accessing or using the platform, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must not use the platform.
1. Definitions
Throughout these Terms, the following definitions apply:
| Term | Meaning |
|---|---|
| Platform | The Velmor Ona website, applications, and all associated services available at velmorona.com |
| Company | Velmor Ona, the entity operating the Platform |
| User | Any individual or entity accessing or using the Platform |
| Account | A registered profile created by a User to access Platform features |
| Content | All text, video, audio, materials, exercises, and other resources made available through the Platform |
| Session | A scheduled group or individual live instruction event conducted through the Platform |
2. Eligibility
By using the Platform, you represent and warrant that you are at least 18 years of age, or that you are at least 13 years of age and have obtained verifiable parental or guardian consent. You further represent that you have the legal capacity to enter into a binding agreement and that your use of the Platform does not violate any applicable law or regulation in your jurisdiction.
The Company reserves the right to refuse access to any person who does not meet these eligibility requirements or who provides false information during registration.
3. Account Registration and Security
3.1 Creating an Account
Certain features of the Platform require you to register for an Account. When registering, you agree to provide accurate, current, and complete information. You are responsible for maintaining the accuracy of this information and for updating it promptly when it changes.
3.2 Account Credentials
You are solely responsible for maintaining the confidentiality of your login credentials. You agree not to share your credentials with any third party and to notify the Company immediately at contact@velmorona.com if you suspect any unauthorized access to your Account.
3.3 Account Responsibility
All activity conducted through your Account is your responsibility, whether or not you authorized it. The Company is not liable for any loss or damage arising from unauthorized use of your Account resulting from your failure to protect your credentials.
4. Platform Services
4.1 Educational Services
The Platform provides online educational services focused on financial analysis for business decisions. Services include group sessions, individual sessions, personalized learning paths, and live interaction with instructors. The availability, format, and scheduling of specific services may change at any time at the Company's discretion.
4.2 Session Scheduling and Cancellation
Specific scheduling, rescheduling, and cancellation policies for Sessions are communicated at the time of enrollment or booking. Users are expected to review and comply with these policies. The Company reserves the right to cancel or reschedule Sessions due to instructor unavailability, technical issues, or other operational reasons, and will make reasonable efforts to notify affected Users in advance.
4.3 Service Modifications
The Company reserves the right to modify, suspend, or discontinue any part of the Platform or its services at any time, with or without notice. The Company shall not be liable to you or any third party for any such modification, suspension, or discontinuation.
5. Acceptable Use
5.1 Permitted Use
You may use the Platform solely for lawful educational purposes and in accordance with these Terms. Your use must not infringe the rights of any other person or restrict or inhibit their use of the Platform.
5.2 Prohibited Conduct
You agree not to engage in any of the following:
6. Intellectual Property
6.1 Company Ownership
All Content, software, trademarks, logos, course materials, methodologies, and other intellectual property available on or through the Platform are owned by or licensed to the Company. Nothing in these Terms transfers any intellectual property rights to you.
6.2 Limited License
Subject to your compliance with these Terms, the Company grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Platform and its Content solely for your personal, non-commercial educational purposes.
6.3 User Submissions
If you submit, post, or share any content, feedback, or materials through the Platform, you grant the Company a non-exclusive, worldwide, royalty-free license to use, reproduce, adapt, and display such submissions for the purpose of operating and improving the Platform. You represent that you have all necessary rights to grant this license.
7. Payments and Refunds
7.1 Fees
Access to certain services on the Platform requires payment of applicable fees. All fees are communicated prior to purchase. By completing a purchase, you agree to pay the stated amount in full.
7.2 Payment Processing
Payments are processed through third-party payment processors. The Company does not store your full payment card details. You are subject to the terms and privacy policies of the applicable payment processor.
7.3 Refund Policy
Refund eligibility, conditions, and procedures are specified at the time of purchase or enrollment. Where no specific refund terms are stated, refund requests will be evaluated on a case-by-case basis. The Company reserves the right to decline refund requests that do not meet the applicable conditions.
7.4 Taxes
You are responsible for any applicable taxes, duties, or levies arising from your purchase of services through the Platform, except where the Company is required by law to collect and remit such taxes on your behalf.
8. Third-Party Services and Links
The Platform may contain links to or integrations with third-party websites, tools, or services, including but not limited to communication platforms and payment processors. These third-party services are governed by their own terms and privacy policies. The Company does not endorse and is not responsible for the content, accuracy, or practices of any third-party service. Your use of third-party services is at your own risk.
9. Privacy
Your use of the Platform is also governed by the Company's Privacy Policy, which is incorporated into these Terms by reference. By using the Platform, you consent to the collection, use, and processing of your information as described in the Privacy Policy.
10. Disclaimers
10.1 Educational Content
All Content provided through the Platform is intended for general educational purposes only. Nothing on the Platform constitutes professional financial, investment, legal, tax, or accounting advice. You should not rely on Platform Content as a substitute for advice from qualified professionals regarding your specific circumstances.
10.2 No Warranty
The Platform and all Content are provided on an "as is" and "as available" basis without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, completeness, or non-infringement. The Company does not warrant that the Platform will be uninterrupted, error-free, or free of viruses or other harmful components.
11. Limitation of Liability
To the fullest extent permitted by applicable law, the Company and its officers, directors, employees, instructors, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of data, loss of business opportunity, or loss of goodwill, arising out of or in connection with your use of or inability to use the Platform, even if the Company has been advised of the possibility of such damages.
In no event shall the Company's total aggregate liability to you exceed the total amount paid by you to the Company in the twelve months preceding the event giving rise to the claim.
12. Indemnification
You agree to indemnify, defend, and hold harmless the Company and its officers, directors, employees, instructors, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or related to your use of the Platform, your violation of these Terms, your violation of any third-party rights, or any content you submit through the Platform.
13. Termination
13.1 Termination by the Company
The Company reserves the right to suspend or terminate your Account and access to the Platform at any time, with or without notice, if you breach these Terms or engage in conduct that the Company determines, in its sole discretion, to be harmful to other Users, instructors, or the Company.
13.2 Termination by You
You may terminate your Account at any time by contacting the Company at contact@velmorona.com. Termination does not entitle you to a refund of any fees already paid unless otherwise required under the applicable refund policy.
13.3 Effect of Termination
Upon termination, your license to use the Platform immediately ceases. Provisions of these Terms that by their nature should survive termination shall continue to apply, including but not limited to intellectual property, disclaimers, limitation of liability, and indemnification.
14. Changes to These Terms
The Company reserves the right to modify these Terms at any time. When changes are made, the updated Terms will be posted on this page with a revised "Last updated" date. Your continued use of the Platform after changes are posted constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the Platform.
For material changes, the Company will make reasonable efforts to notify registered Users through the Platform or by email.
15. Contact
If you have any questions, concerns, or requests regarding these Terms, you may contact the Company through any of the following:
By using the Velmor Ona platform, you acknowledge that you have read these Terms of Use, understand them, and agree to be bound by them.