Terms of Service

1. Acceptance of Terms

By accessing or using VelocityIQ platform, you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use the platform.

2. Description of Services

VelocityIQ provides software-as-a-service decision-support tools and analysis frameworks designed to support financial advisors in evaluating investment strategies and managing client relationships.

3. User Eligibility and Requirements

Platform may only be used by:

• • Licensed financial professionals
• • Individuals under appropriate supervisory oversight
• • Users who comply with all applicable securities regulations
• • Users who maintain required professional credentials

Users represent and warrant they have authority to enter into these terms.

4. User Responsibilities

Users are solely responsible for:

• • Reviewing all system-generated analysis
• • Applying independent professional judgment
• • Making all suitability determinations
• • Making all risk assessments and compliance decisions
• • Providing all investment advice and recommendations to clients
• • Documenting all determinations and client interactions
• • Complying with all applicable securities regulations
• • Following firm policies and procedures
• • Maintaining appropriate supervision
• • Verifying accuracy of all data and analysis
• • All aspects of client relationships and advisory services

5. Prohibited Uses

Users may not:

• • Rely solely on system analysis for determinations
• • Use platform in violation of securities regulations
• • Use platform without appropriate supervision
• • Share access credentials with unauthorized persons
• • Attempt to reverse engineer or copy platform
• • Use platform for unlawful purposes
• • Misrepresent platform capabilities to clients or regulators

6. Disclaimers and "AS IS" Provision

VelocityIQ disclaims all warranties, express or implied, including:

• • Warranties of merchantability or fitness for particular purpose
• • Warranties regarding accuracy or completeness of analysis
• • Warranties regarding regulatory compliance
• • Warranties regarding client outcomes
• • Warranties regarding freedom from errors

System analysis may contain errors, omissions, or inaccuracies. Users must independently verify all information.

7. Limitation of Liability

VelocityIQ shall not be liable for:

• • Advisor determinations or client recommendations
• • Client outcomes or investment results
• • Regulatory violations or enforcement actions
• • Errors or omissions in system analysis
• • Loss of data or business interruption
• • Any indirect, incidental, special, consequential, or punitive damages

8. Indemnification

Users agree to indemnify, defend, and hold harmless VelocityIQ from all claims, damages, losses, and expenses (including legal fees) arising from:

• • User's use or misuse of platform
• • User's determinations and recommendations to clients
• • User's violation of these terms
• • User's violation of applicable laws or regulations
• • Client claims related to user's advisory services

9. Data and Privacy

• • User data subject to Privacy Policy
• • VelocityIQ maintains security measures but users remain responsible for data protection compliance
• • Users grant VelocityIQ right to use anonymized data for platform improvement
• • Client data remains property of user/firm

10. Modification and Termination

• • VelocityIQ may modify terms with notice
• • Either party may terminate with notice
• • Certain provisions survive termination (liability limitations, indemnification)

11. Governing Law and Dispute Resolution

• • Governed by laws of [Jurisdiction]
• • Disputes subject to binding arbitration
• • Class action waiver

12. Entire Agreement

These terms constitute entire agreement between parties regarding platform use.