Terms and Conditions

Terms of Service Agreement

Welcome to virethomilo's Terms and Conditions. These terms govern your use of our website and financial planning subscription services.

By accessing our website or using our services, you agree to be bound by these terms and conditions.

September 15, 2025

Definitions and Interpretations

For the purposes of these Terms and Conditions, the following definitions apply:

• • Service:: The financial planning subscription service provided by virethomilo, including monthly consultations and related guidance
• • User:: Any individual who accesses or uses our website or services
• • Content:: All information, data, text, software, music, sound, photographs, graphics, video, messages, and other materials available through our service
• • Agreement:: These Terms and Conditions, including any amendments or modifications

Use of Our Services

Your use of virethomilo services is subject to the following conditions and requirements:

Eligibility Requirements

You must be at least 18 years old and legally capable of entering into binding contracts to use our services

virethomilo financial planning footer logo: virethomilo financial planning footer logo

Account Responsibilities

You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account

User Responsibilities and Conduct

As a user of our services, you agree to:

• • Provide accurate and complete information when creating your account
• • Maintain the security and confidentiality of your login credentials
• • Use our services only for lawful purposes and in accordance with these terms
• • Respect the intellectual property rights of virethomilo and third parties
• • Promptly notify us of any unauthorized use of your account

Prohibited Uses

You may not use our services for any of the following prohibited purposes:

• • Violating any applicable laws, regulations, or third-party rights
• • Transmitting harmful, offensive, or inappropriate content
• • Attempting to gain unauthorized access to our systems or other users' accounts
• • Interfering with or disrupting the integrity or performance of our services
• • Using our services for any commercial purpose without our express written consent

Intellectual Property Rights

All content, features, and functionality of our services are owned by virethomilo and are protected by copyright, trademark, and other intellectual property laws.

We grant you a limited, non-exclusive, non-transferable license to use our services for personal, non-commercial purposes.

By submitting content to our services, you grant us a worldwide, royalty-free license to use, modify, and display such content in connection with providing our services.

Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

We are committed to protecting your personal data in accordance with applicable privacy laws and regulations.

Service Disclaimers

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied.

We disclaim all warranties, including but not limited to merchantability, fitness for a particular purpose, and non-infringement.

Limitation of Liability

To the maximum extent permitted by law, virethomilo shall not be liable for any indirect, incidental, special, or consequential damages.

Our total liability to you for any claims arising from these terms or your use of our services shall not exceed the amount you paid for our services in the 12 months preceding the claim.

User Indemnification

You agree to indemnify and hold virethomilo harmless from any claims, damages, or expenses arising from your use of our services or violation of these terms.

Dispute Resolution

We are committed to resolving any disputes fairly and efficiently through the following processes:

Binding Arbitration

Any disputes arising from these terms or your use of our services shall be resolved through binding arbitration rather than in court.

By agreeing to these terms, you waive your right to a jury trial and to participate in class action lawsuits.

EU Online Dispute Resolution

European Union residents may access the Online Dispute Resolution platform for consumer disputes.

Account Termination

We may terminate or suspend your account and access to our services at any time, with or without cause, and with or without notice.

Upon termination, your right to use our services will cease immediately, and any data associated with your account may be deleted.

Governing Law and Jurisdiction

Any disputes arising from this disclaimer shall be resolved under United States federal and state law.

These terms are governed by the laws of the United States and the state in which our business operates, without regard to conflict of law principles.

Modifications to Terms

We reserve the right to modify these terms at any time by posting the updated version on our website.

We will provide notice of material changes through email or prominent website notices, and continued use constitutes acceptance of the modified terms.

Severability

If any provision of these terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

Complete Agreement

These terms constitute the entire agreement between you and virethomilo regarding your use of our services and supersede all prior agreements.

Contact Information

If you have questions about these Terms and Conditions, please contact us at contact@virethomilo.com or call +1-878-863-367.