Terms of Service

Last Updated: August 18, 2026

1. Introduction and Acceptance

Welcome to Finestro (finestro.io). These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and VELRIO LIMITED, a company incorporated in the Republic of Cyprus, with its registered address at Prodromou, 75, ONEWORLD PARKVIEW HOUSE, Floor 4, Nicosia, Republic of Cyprus 2063 ("Company," "we," "us," or "our"). By accessing or using the Finestro platform, website, application, or any related services (collectively, the "Service"), you acknowledge that you have read, understood, and agree to be bound by these Terms.

Depending on your location, payment method, or other relevant factors, your subscription or purchase may be processed through VELRIO LIMITED or one of its authorized distribution partners, including Findmy LLC, a Delaware limited liability company with its principal address at 501 E Las Olas Blvd, Suite 300, Fort Lauderdale, FL 33301, USA. Findmy LLC acts as an authorized web distributor and may serve as the merchant of record for certain transactions. In such cases, Findmy LLC is responsible for payment processing, billing, charge management, and the handling of payment-related disputes (such as chargebacks) for those transactions. The name appearing on your bank or payment statement may reflect Findmy LLC, VELRIO LIMITED, or the underlying payment processor. Regardless of which entity processes your payment, your contractual relationship for the provision, operation, and support of the Service remains solely with VELRIO LIMITED. Findmy LLC does not control, operate, or provide the Service itself, and is not responsible for its content, features, or performance.

Our Privacy Policy, available at finestro.io, is incorporated into these Terms by reference. By using the Service, you also agree to the collection, use, and processing of your information as described in the Privacy Policy.

By using the Service, you represent and warrant that: (a) you are at least eighteen (18) years of age; and (b) you are not located in, under the control of, or a national or resident of any country or territory subject to applicable trade sanctions, embargoes, or other restrictions imposed by the United States, the European Union, the United Kingdom, or any other applicable jurisdiction.

We may modify these Terms from time to time. For material changes, we will provide at least fourteen (14) days' prior notice (or thirty (30) days where required by applicable law) via email, in-app notification, or other reasonable means. Non-material changes become effective upon posting with an updated "Last Updated" date. Your continued use of the Service after the effective date of any modification constitutes your acceptance of the revised Terms. If you do not agree to any changes, you must stop using the Service before the changes take effect.

2. Important Disclaimers

PLEASE READ THIS SECTION CAREFULLY. IT CONTAINS IMPORTANT LIMITATIONS REGARDING THE NATURE OF THE SERVICE.

THE SERVICE, INCLUDING ALL EDUCATIONAL CONTENT, TOOLS, AND THE AI ASSISTANT, IS PROVIDED FOR INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY. NOTHING CONTAINED IN OR PROVIDED THROUGH THE SERVICE CONSTITUTES PROFESSIONAL, LEGAL, FINANCIAL, CAREER, OR OTHER EXPERT ADVICE. THE SERVICE IS AN EDUCATIONAL PLATFORM DESIGNED TO TEACH USERS HOW TO USE AI TOOLS. AI-GENERATED OUTPUTS ARE PROVIDED BY THIRD-PARTY AI MODELS AND MAY CONTAIN ERRORS, INACCURACIES, OR INCOMPLETE INFORMATION.

THE SERVICE IS NOT A SUBSTITUTE FOR CONSULTATION WITH A QUALIFIED PROFESSIONAL. THE COMPANY DOES NOT GUARANTEE ANY SPECIFIC RESULT, OUTCOME, OR ACHIEVEMENT FROM YOUR USE OF THE SERVICE.

ANY TESTIMONIALS, CASE STUDIES, OR EXAMPLES PRESENTED THROUGH THE SERVICE REFLECT INDIVIDUAL EXPERIENCES AND DO NOT GUARANTEE THAT YOU WILL ACHIEVE SIMILAR RESULTS.

AI-GENERATED OUTPUTS, INCLUDING RESPONSES, MAY CONTAIN ERRORS, INACCURACIES, OR INCOMPLETE INFORMATION. YOU ACKNOWLEDGE AND ACCEPT THAT YOU USE SUCH OUTPUTS AT YOUR OWN RISK AND THAT THE COMPANY BEARS NO LIABILITY FOR DECISIONS YOU MAKE BASED ON AI-GENERATED CONTENT OR ANY OTHER INFORMATION PROVIDED THROUGH THE SERVICE.

3. Account Registration and Security

3.1 Registration. To access certain features of the Service, you must create an account. When registering, you agree to provide accurate, current, and complete information and to update such information promptly to keep it accurate and complete.

3.2 Account Security. You are solely responsible for maintaining the confidentiality of your account credentials, including your password. You agree not to share your login credentials with any third party. All activity occurring under your account is your responsibility, whether or not you authorized it.

3.3 Notification of Unauthorized Access. You must notify us immediately at [email protected] if you become aware of, or reasonably suspect, any unauthorized access to or use of your account. The Company will not be liable for any loss or damage arising from your failure to comply with this obligation.

3.4 Prohibited Account Practices. You may not: (a) create or maintain more than one account; (b) create an account using false, misleading, or another person's identity or information; or (c) allow any other person to use your account. Any attempt to do so constitutes a material breach of these Terms.

3.5 Suspension and Termination. The Company reserves the right, in its sole discretion, to suspend, disable, or terminate any account at any time, with or without notice, if the Company reasonably believes that you have violated any provision of these Terms, engaged in fraudulent activity, or posed a security risk to the Service or other users.

4. Services

4.1 Platform Description. Finestro (accessible at finestro.io and through related applications) is an AI education platform operated by VELRIO LIMITED. The Service provides educational content, interactive tools, and access to third-party AI models (such as ChatGPT and Gemini), designed to help users learn practical AI skills. The Service may provide AI-generated responses using third-party APIs and does not constitute professional advice of any kind.

4.2 Definitions. "Service" means the Finestro platform, including all educational materials, tools, functionality, and any related mobile or web application (the "App"). "Service Content" means all text, graphics, images, audio, video, data, software, code, and other materials made available through the Service by or on behalf of the Company, excluding User Content.

4.3 Paid Features. Certain features of the Service require a paid subscription or one-time purchase. For complete details regarding subscription plans, billing, trials, and auto-renewal, please refer to Section 6 of these Terms and our Subscription Terms, which are incorporated herein by reference.

4.4 Modifications to the Service. We reserve the right, at our sole discretion, to modify, update, suspend, or discontinue any part of the Service, including any feature, tool, or content, at any time and without liability. Where a modification materially affects a paid feature, we will provide reasonable advance notice in accordance with Section 14.2 of these Terms. Your continued use of the Service following any modification constitutes your acceptance of the change.

5. Intellectual Property and License Rights

5.1 Ownership of Service Content. All text, graphics, software, code, data, images, audio, video, trademarks, logos, and other materials available through the Service (collectively, "Service Content") are owned by or licensed to VELRIO LIMITED and are protected by applicable intellectual property laws. Nothing in these Terms transfers any ownership of Service Content to you.

5.2 License to Use. Subject to your compliance with these Terms, VELRIO LIMITED grants you a limited, personal, non-commercial, non-exclusive, non-transferable, revocable license to access and use the Service and Service Content solely for your own educational purposes.

5.3 License Restrictions. You shall not: (a) copy, reproduce, distribute, or publicly display any Service Content; (b) reverse engineer, decompile, or disassemble any part of the Service; (c) resell, sublicense, or commercially exploit the Service or any Service Content; (d) scrape, harvest, or extract data from the Service by automated means; (e) remove, alter, or obscure any proprietary notices; or (f) use the Service in any manner not expressly authorized by these Terms.

5.4 User Content. You retain ownership of content you submit through the Service ("User Content"). By submitting User Content, you grant VELRIO LIMITED a worldwide, royalty-free, sublicensable, transferable license to host, store, reproduce, modify, and distribute such User Content solely for the purpose of providing and improving the Service. This license does not extend to your personal data, which is governed by our Privacy Policy. You may revoke this license at any time by contacting [email protected], after which we will remove your User Content within a commercially reasonable period. You are solely responsible for ensuring your User Content does not infringe any third-party rights.

5.5 Feedback. If you provide suggestions, ideas, or other feedback regarding the Service ("Feedback"), you grant VELRIO LIMITED a perpetual, irrevocable, worldwide, royalty-free license to use, modify, and incorporate such Feedback for any purpose without obligation or compensation to you.

6. Subscription Plans, Fees, and Payment

IMPORTANT: THIS SERVICE INCLUDES SUBSCRIPTIONS THAT AUTOMATICALLY RENEW. PLEASE READ THIS SECTION AND OUR SUBSCRIPTION TERMS CAREFULLY. TO AVOID BEING CHARGED, YOU MUST AFFIRMATIVELY CANCEL YOUR SUBSCRIPTION BEFORE THE END OF THE TRIAL OR THEN-CURRENT SUBSCRIPTION PERIOD. DELETING THE APP DOES NOT CANCEL YOUR SUBSCRIPTION.

6.1 Overview and Subscription Terms. Certain features of the Service require a paid subscription. The terms governing subscription plans, trials, auto-renewal, billing, and payment are described in detail in our Subscription Terms, which are incorporated into these Terms by reference. By purchasing a subscription, you agree to the Subscription Terms in addition to these Terms. See also Section 7 (Cancellation and Refund Policy).

6.2 Key Points. We offer recurring subscription plans. Trials, where offered, auto-convert to paid subscriptions unless cancelled before the trial period ends. Subscriptions auto-renew at the end of each billing period at the then-current rate. Pricing and plan details are disclosed at the point of purchase. Payments may be processed by Stripe, Braintree, SolidGate, PayPal, or other payment processors. Applicable taxes will be shown at checkout. Full details are set forth in the Subscription Terms.

6.3 One-Time Purchases. Certain content or features may be offered as one-time purchases. The applicable fee will be disclosed at the time of the transaction. All one-time purchases are subject to the same refund terms described in Section 7 and the Refund Policy.

6.4 Payment Failures. You are responsible for maintaining a valid, current payment method. If payment fails, we may suspend or restrict access to paid features until payment is received.

6.5 Pre-Contractual Disclosures. Before you complete a purchase, we will clearly and conspicuously disclose: (a) that you will be charged on a recurring basis unless you cancel; (b) the deadline by which you must cancel to avoid being charged; (c) the amount or range of charges; and (d) how to locate the cancellation mechanism. These disclosures will appear immediately adjacent to the means of recording your consent.

6.6 Express Informed Consent. You will be asked to provide express, affirmative consent to the auto-renewal terms before your payment is processed. Your consent to auto-renewal is separate from your general acceptance of these Terms.

7. Cancellation and Refund Policy

7.1 Cancellation. You may cancel your subscription at any time in one of the following ways:

• (a) through your account profile on finestro.io or in the Finestro app, by selecting "Cancel Subscription," which generates a cancellation request to our support team ([email protected]) on your behalf; or
• (b) by contacting our support team directly at [email protected].

Both options constitute a valid cancellation request and are processed in the same way. Your cancellation is effective as of the date the request is submitted, and we will confirm it by email. You will retain access to the paid features until the end of your current billing period, and no further charges will be made after that period ends.

For subscriptions purchased through an app store (Apple App Store or Google Play), you must cancel through that app store's subscription management. We cannot process cancellations for app store purchases. If your subscription was originally purchased on finestro.io and you later access the Service through the app, you must return to the web version to manage or cancel your subscription.

Detailed cancellation procedures are also set forth in our Subscription Terms.

IMPORTANT: DELETING THE FINESTRO APP OR YOUR ACCOUNT DOES NOT CANCEL YOUR SUBSCRIPTION. YOU MUST FOLLOW THE CANCELLATION PROCEDURES DESCRIBED ABOVE.

7.2 Effect of Cancellation. Cancellation prevents future renewals but does not terminate your current billing period. You will retain access to paid features until the end of the then-current paid period. No prorated refunds will be issued for the remaining portion of a billing period, except where required by applicable law.

7.3 General No-Refund Policy. All purchases are generally non-refundable. Specific refund conditions, exceptions, and statutory withdrawal rights are described in our Refund Policy, which is incorporated into these Terms by reference.

7.4 EU/UK/Swiss Consumer Withdrawal Rights. If you are a consumer residing in the EEA, United Kingdom, or Switzerland, you have a statutory 14-day right of withdrawal from the date of purchase. Full details, including the Model Withdrawal Form, are available in our Refund Policy and Subscription Terms.

7.5 Quebec Consumer Rights. Consumers residing in Quebec may have cancellation rights under Quebec consumer protection law. See our Subscription Terms for applicable details.

7.6 Chargebacks. You agree to contact us at [email protected] before initiating any chargeback or payment dispute with your bank or payment provider. Initiating a chargeback without first attempting resolution through us may constitute a violation of these Terms. We reserve the right to suspend or terminate your Account and pursue any amounts owed in the event of chargeback abuse.

8. User Conduct and Prohibited Activities

You agree to use the Service only for lawful purposes and in compliance with these Terms. You shall not, and shall not permit any third party to, engage in any of the following prohibited activities:

• Violate any applicable local, state, national, or international law, regulation, or order, including sanctions and export control laws.
• Infringe, misappropriate, or violate the intellectual property, privacy, publicity, or other proprietary rights of any person or entity.
• Engage in fraud, impersonation, or misrepresentation, including providing false information to the Company or other users.
• Transmit, upload, or distribute any content that is unlawful, defamatory, obscene, harassing, threatening, hateful, or otherwise objectionable.
• Distribute viruses, malware, spyware, or any other harmful or disruptive code or technology.
• Interfere with, disrupt, or impose an unreasonable burden on the Service, its servers, networks, or infrastructure.
• Circumvent, disable, or otherwise tamper with any security, access control, or usage-limiting features of the Service.
• Resell, sublicense, lease, or otherwise commercially exploit access to the Service or any Service Content without prior written consent from the Company.
• Scrape, crawl, index, or use automated means to access, collect, or extract data from the Service.
• Disrupt or interfere with any other user's use or enjoyment of the Service.
• Use the Service from any jurisdiction subject to comprehensive U.S. or EU sanctions or embargoes, or in violation of any applicable trade restrictions.
• Violate the terms of any third-party service accessed through or in connection with the Service.
• Engage in any other conduct that the Company, in its sole discretion, determines to be harmful to the Service, its users, or the Company's interests.

The foregoing list is not exhaustive. The Company reserves the right, but is not obligated, to investigate any suspected violation of this Section and to take appropriate action, including suspension or termination of your Account, removal of content, and referral to law enforcement authorities, without prior notice to you.

9. Third-Party Services, Integrations, and App Store Provisions

9.1 Third-Party Services. The Service relies on third-party platforms and services, including payment processors, AI APIs, analytics and attribution providers, email delivery services, tag management systems, geolocation services, and advertising platforms. We may share data with these third parties as necessary to provide Service functionality, subject to our Privacy Policy. We do not control, and are not responsible for, the availability, accuracy, reliability, or performance of any third-party service. Your use of any third-party service is at your own risk and subject to that third party's terms and policies.

9.2 Third-Party Content and Links. The Service may contain links to third-party websites, resources, or content. These links are provided for convenience only. We do not endorse, and assume no liability for, any third-party content, products, services, or practices. You access third-party sites at your own risk.

9.3 App Store Provisions. If you access the Service through an application downloaded from an app store (each, an "App Store Provider"), you acknowledge and agree to the following:

• Your use of the App is subject to the applicable App Store Provider's terms of service, and you shall comply with those terms.
• The App Store Provider has no obligation to furnish maintenance, support, or warranty services with respect to the App.
• In the event of any failure of the App to conform to any applicable warranty, your sole remedy (to the extent permitted by law) is a refund of the purchase price paid for the App, if any, in accordance with the App Store Provider's policies.
• Each App Store Provider, and its subsidiaries, are third-party beneficiaries of these Terms and, upon your acceptance of these Terms, shall have the right to enforce these Terms against you as a third-party beneficiary.
• The Company, not the App Store Provider, is solely responsible for the App, its content, and any claims relating thereto.

10. Privacy and Data Security; Termination and Suspension

10.1 Privacy and Data Security. Your use of the Service is subject to our Privacy Policy, available at finestro.io, which is incorporated into these Terms by reference. The Privacy Policy describes how we collect, use, store, share, and protect your personal data. We acknowledge our obligations under the General Data Protection Regulation (EU) 2016/679 ("GDPR"), the UK General Data Protection Regulation, and equivalent data protection laws applicable to you based on your jurisdiction of residence. For all inquiries regarding your privacy rights or data handling practices, please contact us at [email protected] or refer to the Privacy Policy for full details.

10.2 Termination by User. You may terminate your relationship with us at any time by (a) cancelling any active subscription in accordance with Section 7, deleting your account and ceasing all use of the Service.

10.3 Termination or Suspension by Company. We may, in our sole discretion, immediately suspend or terminate your account and access to the Service, without prior notice, if: (a) you breach any provision of these Terms; (b) we reasonably suspect fraud, abuse, or unauthorized activity; (c) your continued access poses a security risk to the Service or other users; or (d) we are required to do so by law or legal process.

10.4 Effect of Termination. Upon termination: (a) your right to access and use the Service ceases immediately; (b) all licenses granted to you under these Terms terminate; (c) you remain liable for any outstanding fees or charges incurred prior to termination; and (d) no refund will be issued for any unused portion of a subscription period, except as required by applicable law or as set forth in Section 7 and the Refund Policy.

10.5 Post-Termination Restrictions. Following termination, you may not create a new account without our prior written consent. We reserve the right to implement technical measures to enforce this restriction.

10.6 Survival. Sections 2 (Important Disclaimers), 5 (Intellectual Property and License Rights), 11 (Disclaimer of Warranties and Limitation of Liability), 12 (Indemnification), 13 (Governing Law and Dispute Resolution), and 14 (Miscellaneous) shall survive any termination or expiration of these Terms.

11. Disclaimer of Warranties and Limitation of Liability

11.1 Disclaimer of Warranties. THE SERVICE, INCLUDING ALL SERVICE CONTENT, OUTPUTS, AND RELATED TOOLS, IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW (INCLUDING AUSTRALIAN CONSUMER LAW), THE COMPANY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. THE COMPANY DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR ACCURATE, NOR DOES IT GUARANTEE ANY PARTICULAR OUTCOME FROM USE OF THE SERVICE. THIRD-PARTY CONTENT ACCESSIBLE THROUGH THE SERVICE IS PROVIDED WITHOUT WARRANTY OF ANY KIND.

11.2 Australian Consumer Law Carve-Out. If you are a consumer based in Australia, our Service comes with guarantees that cannot be excluded under the Australian Consumer Law. For major failures with the Service, you are entitled to: (a) cancel your contract; and (b) receive a refund for the unused portion, or compensation for reduced value. For non-major failures, you are entitled to have the failure rectified in a reasonable time.

11.3 Limitation of Liability. TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING DAMAGES ARISING FROM: (A) DECISIONS MADE BASED ON SERVICE INFORMATION; (B) UNAUTHORIZED ACCESS TO YOUR ACCOUNT (UNLESS CAUSED BY THE COMPANY'S GROSS NEGLIGENCE); (C) SERVICE DOWNTIME OR DATA LOSS; OR (D) THIRD-PARTY EQUIPMENT OR SERVICES.

11.4 Aggregate Cap. THE COMPANY'S TOTAL CUMULATIVE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL FEES YOU PAID TO THE COMPANY IN THE SIX (6) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (B) ONE HUNDRED U.S. DOLLARS (USD $100).

11.5 Carve-Outs. Nothing in this Section 11 excludes or limits liability for: (a) death or personal injury caused by negligence; (b) fraud or fraudulent misrepresentation; (c) intentional misconduct; or (d) any liability that cannot be excluded or limited under applicable law, including mandatory consumer protections available to EEA, UK, Swiss, and Australian consumers regarding defective digital content.

12. Indemnification

12.1 Indemnification Obligation. You agree to indemnify, defend, and hold harmless VELRIO LIMITED, its affiliates, officers, directors, employees, agents, licensors, and authorized distribution partners, including Findmy LLC (collectively, the "Indemnified Parties"), from and against any and all claims, demands, actions, losses, liabilities, damages, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:

• your use or misuse of the Service;
• your violation of these Terms, the Subscription Terms, the Refund Policy, or any applicable law or regulation;
• your User Content, including any claim that your User Content infringes or misappropriates the intellectual property or other rights of a third party;
• any interaction between you and any third party in connection with the Service; or
• any inaccurate representation or warranty made by you under these Terms.

12.2 Defense and Control. VELRIO LIMITED reserves the right, at your expense, to assume the exclusive defense and control of any matter subject to indemnification under this Section. In such event, you agree to cooperate fully with VELRIO LIMITED in asserting any available defenses. You shall not settle any claim or action subject to this Section without the prior written consent of VELRIO LIMITED.

12.3 Survival. The obligations set forth in this Section 12 shall survive any termination or expiration of these Terms or your use of the Service.

13. Governing Law and Dispute Resolution

13.1 Governing Law. These Terms are governed by the laws of the Republic of Cyprus, without regard to conflict-of-law principles. The United Nations Convention on Contracts for the International Sale of Goods is excluded.

13.2 Informal Resolution. Before initiating any formal proceeding, you agree to contact us at [email protected] and attempt in good faith to resolve the dispute informally for at least forty (40) days.

13.3 Binding Individual Arbitration. If informal resolution fails, disputes shall be resolved by binding individual arbitration. Arbitration shall be administered by the LCIA, seated in London, governed by the English Arbitration Act 1996 (or as otherwise applicable). A single arbitrator shall preside. Exceptions: (a) either party may bring qualifying claims in small claims court; (b) either party may seek injunctive relief in court for intellectual property infringement; (c) claims that applicable law prohibits from arbitration.

13.4 Arbitration Procedures. Hearings may be conducted by videoconference unless the arbitrator orders otherwise. The arbitrator may award any relief available under applicable law. The award is final and binding and may be entered in any court of competent jurisdiction.

13.5 Arbitration Costs. Each party pays fees as set by the applicable arbitration rules. Where you are a consumer and applicable rules cap filing fees, those caps apply.

13.6 Class Action Waiver. All disputes must be brought in an individual capacity. You waive any right to participate in a class, collective, consolidated, or representative action or proceeding.

13.7 Jury Waiver. To the fullest extent permitted by law, you and the Company waive any right to a jury trial.

13.8 Opt-Out Right. You may opt out of this arbitration agreement by emailing [email protected] within thirty (30) days of first accepting these Terms. Your opt-out notice must include your full name, email address associated with your account, and a clear statement that you decline the arbitration agreement.

13.9 Batch Arbitration. If one hundred (100) or more similar arbitration demands are filed within a thirty (30) day period, they shall be grouped into randomized batches of one hundred (100). A single arbitrator shall be appointed per batch. No subsequent batch proceeds until the prior batch is resolved, unless the arbitration administrator orders otherwise.

13.10 EEA/UK/Swiss Consumer Carve-Outs. Nothing in these Terms shall deprive you of the protection afforded to consumers by the mandatory rules of law of the country in which you reside. If you are a consumer habitually resident in the EEA, the United Kingdom, or Switzerland, you retain the right to bring proceedings in the courts of your habitual residence, and the Company shall bring any claim against you only in those courts. You may also refer disputes to any applicable alternative dispute resolution body recognized in your jurisdiction.

13.11 Quebec Consumer Carve-Outs. If you are a consumer residing in Quebec, Quebec consumer protection law applies. Arbitration is optional at your election; you may choose to proceed in a court of competent jurisdiction in Quebec instead. The class action waiver in Section 13.6 shall not apply to the extent prohibited by Quebec law.

13.12 Fallback Jurisdiction and Venue. For any dispute not subject to arbitration: you consent to the jurisdiction of the competent courts as determined by the governing law set forth in Section 13.1, subject to the consumer carve-outs in Sections 13.10 and 13.11.

13.13 Survival. This Section 13 survives the expiration or termination of these Terms.

14. Miscellaneous

14.1 Force Majeure. Neither party shall be liable for any delay or failure in performance resulting from causes beyond its reasonable control, including natural disasters, pandemic, war, terrorism, strikes, power or internet outages, or government actions. Obligations are suspended for the duration of the force majeure event, and the affected party shall use reasonable efforts to mitigate its impact. If a force majeure event continues for more than thirty (30) days, either party may terminate these Terms upon written notice, and the Company shall provide a pro-rata refund of any prepaid fees covering the period after termination. The User remains liable for charges incurred before the force majeure event.

14.2 Changes to Service. The Company reserves the right to modify, update, or discontinue any feature of the Service at any time. The Company will provide advance notice of material changes affecting paid features and may, at its discretion, offer a partial refund or alternative. The Company shall not be liable for any modification, suspension, or discontinuation. Your sole remedy is to stop using the Service or cancel your subscription.

14.3 Changes to Terms. The Company may revise these Terms at any time. Material changes require at least fourteen (14) days' prior notice (thirty (30) days where required by applicable law). Non-material changes are effective upon posting with an updated "Last Updated" date. Continued use of the Service after the effective date constitutes acceptance. If you disagree, you must stop using the Service and cancel your subscription before the effective date.

14.4 Copyright and Intellectual Property Notice. We respect intellectual property rights. If you believe that content on the Service infringes your copyright or other intellectual property rights, please submit a written notice to us.

For users in the United States (DMCA): In accordance with the Digital Millennium Copyright Act (17 U.S.C. § 512), you may submit a DMCA takedown notice to our designated agent at the address below.

For users in the EEA, UK, or other jurisdictions: In accordance with applicable law, including the EU E-Commerce Directive (2000/31/EC) and the EU Copyright Directive (2019/790), you may submit a notice of infringement.

All notices should be sent to: VELRIO LIMITED, Prodromou, 75, ONEWORLD PARKVIEW HOUSE, Floor 4, Nicosia, Republic of Cyprus 2063; Email: [email protected] (subject line: "Copyright Notice").

Your notice must include: (a) identification of the copyrighted work; (b) identification and location of the allegedly infringing material; (c) your contact information; (d) a good faith belief statement that the use is not authorized; (e) a statement under penalty of perjury (or equivalent declaration under applicable law) that the information is accurate and you are authorized to act; and (f) your physical or electronic signature.

14.5 Counter-Notice. If you believe your content was wrongly removed, you may submit a counter-notice including: identification of the removed material, a statement under penalty of perjury that removal was in error, consent to jurisdiction, and your contact information and signature.

14.6 Repeat Infringers. The Company may terminate accounts of repeat copyright infringers in appropriate circumstances.

14.7 Entire Agreement. These Terms, together with the Privacy Policy, the Subscription Terms, the Refund Policy, and any other policies incorporated by reference, constitute the entire agreement between you and the Company regarding the Service and supersede all prior agreements and understandings.

14.8 Severability. If any provision of these Terms is held invalid or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it enforceable.

14.9 Waiver. No waiver of any provision shall be effective unless in writing and signed by the waiving party. Failure to enforce any right does not constitute a waiver of that right.

14.10 Assignment. You may not assign or transfer your rights or obligations under these Terms without the Company's prior written consent. The Company may assign these Terms freely, including in connection with a merger, acquisition, or sale of assets.

14.11 Third-Party Beneficiaries. These Terms do not create any third-party beneficiary rights, except that (a) Indemnified Parties are express third-party beneficiaries of Section 12, and (b) App Store providers (such as Apple Inc. and Google LLC) are third-party beneficiaries of these Terms with the right to enforce them against you.

14.12 Relationship of Parties. The parties are independent contractors. Nothing in these Terms creates a partnership, joint venture, agency, or employment relationship.

14.13 Headings; Interpretation. Section headings are for convenience only and have no legal effect. The word "including" (and its variants) means "including but not limited to."

14.14 Language. These Terms are drafted in English. If any translation is provided, the English version controls in the event of any conflict.

14.15 Export Controls. You agree to comply with all applicable export control and sanctions laws and regulations. You shall not use, export, or re-export the Service in violation of such laws.

14.16 Electronic Signatures and Consent. In accordance with the U.S. Electronic Signatures in Global and National Commerce Act ("ESIGN Act"), the Uniform Electronic Transactions Act, and applicable international equivalents, you consent to receive communications, agreements, and notices electronically. Electronic records and signatures shall have the same legal effect as their paper equivalents.

15. Contact Information

If you have any questions, concerns, or requests regarding these Terms or the Service, you may contact us using the information below:

VELRIO LIMITED

Prodromou, 75, ONEWORLD PARKVIEW HOUSE, Floor 4

Nicosia, Republic of Cyprus 2063

General Support: [email protected]

Privacy Inquiries: [email protected]

For copyright-related notices, please refer to the procedures set forth in Section 14 of these Terms.

We will make reasonable efforts to respond to all inquiries within a commercially reasonable timeframe.