Velocity — Terms of Service

Last updated: 2026-04-23

DRAFT — REVIEW BY LICENSED COUNSEL BEFORE PRODUCTION USE. This document is a comprehensive template, not legal advice. Jurisdictional review required.

IMPORTANT NOTICES

  • Arbitration and class-action waiver. Sections 17–18 contain a binding arbitration agreement and class-action waiver. Please read them carefully. You may opt out of arbitration within thirty (30) days of first acceptance by following the procedure in Section 17.3.
  • Changes. We may update these Terms as described in Section 20.
  • Subscriptions renew automatically unless canceled in advance (Section 6).

1. Agreement

These Terms of Service ("Terms") form a binding legal agreement between you (the user of the Service) and Andiamo LLC ("Andiamo," "we," "us," or "our"), a Washington limited-liability company. The Terms govern your access to and use of Velocity, including the website at https://velocity.andiamo.tech, associated APIs, mobile interfaces, and integrations (collectively, the "Service").

By creating an account, signing in, or otherwise accessing the Service, you accept these Terms. If you do not accept them, do not use the Service.

2. Definitions

  • "Account" means the registered account you create to access the Service.
  • "Content" means any data, text, images, media, watchlists, saved searches, comments, or other material submitted, uploaded, or transmitted through the Service.
  • "Your Content" means Content you submit or transmit.
  • "Documentation" means the user-facing documentation made available through the Service.
  • "Subscription" means a paid tier of access to the Service.

3. Eligibility

You must be at least 18 years old (or the age of majority in your jurisdiction) to create an Account. By registering, you represent and warrant that (a) you meet the age requirement, (b) the information you provide is accurate and complete, (c) you will keep it current, and (d) your use of the Service will comply with applicable law.

4. Account registration and security

  • You are responsible for maintaining the confidentiality of your credentials and for all activity that occurs under your Account.
  • You must notify us at support@andiamo.tech promptly if you suspect unauthorized access.
  • You may not share your Account with another person. One person per Account.
  • We may refuse registration, suspend, or terminate an Account for violation of these Terms or applicable law, for risk management, or as required by our Sub-processors (e.g., Stripe's Acceptable Use Policy).

5. Acceptable use

You agree not to:

  • Use the Service to violate any law, regulation, or third-party right.
  • Access, probe, scan, or test the vulnerability of our systems or networks, or breach any security or authentication measure, except through our responsible disclosure program.
  • Reverse-engineer, decompile, or otherwise attempt to derive source code from the Service, except to the extent expressly permitted by applicable law.
  • Scrape, crawl, or bulk-extract data other than via documented APIs and within their published rate limits.
  • Upload or transmit Content that is illegal, infringing, defamatory, harassing, obscene, threatening, or otherwise objectionable.
  • Use the Service to distribute malware, conduct phishing, or engage in fraud.
  • Impersonate another person or misrepresent your affiliation.
  • Use automated systems (bots, scripts) to interact with the Service in a manner that degrades performance for other users.
  • Resell, sublicense, or commercially exploit the Service without our prior written consent.

6. Subscriptions, billing, and renewal

6.1 Tiers and fees

Velocity is offered in free and paid tiers. Current pricing is displayed in-product and incorporated into these Terms by reference. We may change prices with at least thirty (30) days' notice to affected subscribers.

6.2 Automatic renewal — disclosure and consent

Paid Subscriptions automatically renew at the end of each billing cycle (monthly or annual) at the then-current price unless canceled at least twenty-four (24) hours before renewal. You authorize Velocity (and our payment processor) to charge your saved payment method each cycle.

Consistent with the federal Restore Online Shoppers' Confidence Act (ROSCA, 15 USC § 8401), the Washington Consumer Protection Act (RCW 19.86), and Washington Attorney General guidance on automatic-renewal marketing, we disclose at checkout — conspicuously, in close proximity to the purchase button, and before payment — the renewal price, the renewal cadence, the method to cancel, and a link to cancel. We also send a post-purchase acknowledgment email containing the same disclosures and a one-click cancellation URL. For annual plans, we send a renewal reminder no less than thirty (30) days before the renewal date and notify you in advance of any price change.

6.3 Cancellation

You may cancel at any time from your Account settings. Cancellation takes effect at the end of the current billing period; you retain access for the paid period. We do not provide pro-rated refunds for partial periods except where required by law.

6.4 Taxes

Fees are exclusive of applicable taxes. You are responsible for any sales, use, VAT, GST, or similar taxes, other than taxes on our net income.

6.5 Payment processor

Payments are processed by Stripe, Inc. Your use of Stripe's services is subject to Stripe's terms and privacy notice at https://stripe.com/legal.

6.6 Failed payments

If a payment fails, we may retry the charge and suspend paid features until payment is successful. Accounts more than thirty (30) days delinquent may be downgraded or terminated.

7. Your Content and license to us

You retain ownership of Your Content. By submitting Your Content to the Service, you grant Andiamo a worldwide, non-exclusive, royalty-free, sublicensable license to host, store, reproduce, modify (for technical reasons such as encoding and display), distribute, and display Your Content solely for the purposes of operating, improving, and securing the Service.

You represent and warrant that (a) you own or have the necessary rights to Your Content and (b) Your Content does not violate these Terms or any third-party right. We may remove or disable Content that we reasonably believe violates these Terms.

8. Feedback

If you submit suggestions, ideas, or feedback about the Service ("Feedback"), you grant Andiamo a perpetual, irrevocable, royalty-free, worldwide license to use the Feedback without restriction.

9. Intellectual property

All Service software, designs, text not provided by users, trademarks, and service marks are owned by Andiamo or its licensors. These Terms grant you a limited, non-transferable, non-sublicensable, revocable license to access and use the Service for its intended purpose in accordance with these Terms.

"Andiamo," "Velocity," and associated logos are trademarks of Andiamo LLC. Third-party marks are the property of their respective owners.

10. DMCA and copyright infringement

Andiamo respects intellectual property rights. If you believe Content on the Service infringes a copyright you own, send a notice compliant with 17 U.S.C. § 512(c)(3) to our designated DMCA agent:

  • Email: dmca@andiamo.tech
  • Postal: Andiamo LLC, Attn: DMCA Agent, Skagit Valley, WA, USA

Your notice must include: (i) a physical or electronic signature of the rights owner or authorized agent; (ii) identification of the copyrighted work claimed to be infringed; (iii) identification of the allegedly infringing material and its location on the Service; (iv) your contact information; (v) a statement of good-faith belief the use is unauthorized; (vi) a statement, under penalty of perjury, that the information is accurate and you are authorized to act. Counter-notices must comply with 17 U.S.C. § 512(g). Repeat infringers will have their Accounts terminated.

11. Third-party services

The Service integrates with or relies on third-party services (e.g., Stripe, Microsoft Azure, Postmark, Microsoft Entra External ID, public RSS and API sources). We are not responsible for third-party services, and your use of them is governed by their respective terms and privacy notices.

12. Beta features

We may make experimental or "beta" features available. Beta features are provided "AS IS," may be changed or discontinued at any time, and may have additional terms disclosed at the point of access.

13. Disclaimers

THE SERVICE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, ERROR-FREE, OR SECURE, OR THAT ANY CONTENT OR VELOCITY SCORE IS ACCURATE OR WILL MEET YOUR REQUIREMENTS.

THE VELOCITY SCORE AND RELATED SIGNALS ARE INFORMATIONAL AND ARE NOT INVESTMENT, LEGAL, MEDICAL, OR OTHER PROFESSIONAL ADVICE. DO NOT RELY ON THE SERVICE FOR DECISIONS THAT REQUIRE PROFESSIONAL EVALUATION.

13.1 Not investment advice; publisher exclusion

Velocity's "market" category score and related market-related signals are generic publications distributed identically to all subscribers. Velocity is not an investment adviser, broker-dealer, or fiduciary. Consistent with the publisher exclusion under RCW 21.20.005(6) and Section 202(a)(11)(A) of the federal Investment Advisers Act of 1940, Velocity does not provide advice on the specific investment situation of any client, does not recommend securities transactions, and does not offer personalized portfolio guidance. Any use of Velocity output for trading or investment decisions is at your sole risk.

13.2 AI transparency

Consistent with the Washington AI Companion Chatbot Disclosure Act (HB 2225, effective 2027-01-01) and as an immediate best practice, any interactive AI surface Velocity offers to consumers is clearly labeled as AI-generated. Where a conversational AI session is offered to a consumer, we disclose the AI identity at the start of the session and at least every three (3) hours during continuous use (every one hour for users whom we know are minors). AI-generated summaries are labeled "Generated by Velocity AI."

14. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ANDIAMO LLC AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, OR FOR LOST PROFITS, REVENUE, GOODWILL, OR DATA, ARISING FROM OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT WILL OUR AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM OR (B) ONE HUNDRED U.S. DOLLARS (USD $100).

Some jurisdictions do not allow certain limitations. In those jurisdictions, the above limitations apply to the fullest extent permitted.

15. Indemnification

You agree to defend, indemnify, and hold harmless Andiamo, its affiliates, and their respective officers, directors, employees, and agents from and against any third-party claim, damage, loss, liability, cost, or expense (including reasonable attorneys' fees) arising out of or related to (a) Your Content, (b) your use or misuse of the Service, (c) your violation of these Terms, or (d) your violation of any law or third-party right.

16. Termination

  • By you. You may close your Account at any time from Account settings or by emailing support@andiamo.tech.
  • By us. We may suspend or terminate your Account at any time for violation of these Terms, applicable law, or for risk-management reasons, with or without notice.
  • Effect. Upon termination, your right to use the Service ceases. Sections that by their nature should survive (e.g., 7–10, 13–21) will survive termination.

17. Dispute resolution; arbitration

17.1 Informal resolution first

Before filing a formal claim, you agree to first contact us at support@andiamo.tech and attempt to resolve the dispute informally for at least thirty (30) days.

17.2 Binding arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms or the Service (a "Dispute"), except as provided in Section 17.5, will be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitrator — not any court — has exclusive authority to resolve disputes about the interpretation, enforceability, or scope of this arbitration agreement.

17.3 Opt-out

You may opt out of this arbitration agreement within thirty (30) days of first accepting these Terms by emailing support@andiamo.tech with the subject "Arbitration Opt-Out" and including your full name and the email on your Account.

17.4 Venue; fees

Arbitration will take place in Skagit County, Washington, or remotely at your election for claims under USD $25,000. Each party bears its own costs except as AAA rules or applicable law require otherwise.

17.5 Exceptions

Either party may (a) bring an individual action in small-claims court, or (b) seek injunctive or other equitable relief in court to protect intellectual property or prevent unauthorized access.

18. Class-action and jury-trial waiver

YOU AND ANDIAMO AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. UNLESS BOTH PARTIES AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS. IF THIS WAIVER IS HELD UNENFORCEABLE, THE REMAINDER OF SECTION 17 WILL BE SEVERED AND THE DISPUTE WILL PROCEED IN COURT.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AND ANDIAMO WAIVE THE RIGHT TO A JURY TRIAL.

19. Governing law

These Terms and any Dispute are governed by the laws of the State of Washington, USA, without regard to conflict-of-laws principles. For matters not subject to arbitration, exclusive venue lies in the state or federal courts located in Skagit County, Washington, and you consent to personal jurisdiction there.

20. Changes to these Terms

We may update these Terms from time to time. We will post the updated Terms here with a new "Last updated" date. If changes are material, we will provide at least thirty (30) days' advance notice via email or conspicuous in-product notice. Your continued use after the effective date constitutes acceptance. If you do not accept the updated Terms, you must stop using the Service and close your Account before the effective date.

21. Miscellaneous

  • Entire agreement. These Terms, together with the Privacy Policy and any additional terms for specific features, constitute the entire agreement between you and Andiamo regarding the Service and supersede any prior agreements on the subject.
  • Severability. If any provision is held unenforceable, the remaining provisions will remain in full force and effect.
  • Waiver. Our failure to enforce a right is not a waiver of it.
  • Assignment. You may not assign these Terms without our prior written consent. We may assign them in connection with a merger, acquisition, or sale of assets.
  • Relationship. Nothing in these Terms creates a partnership, joint venture, agency, franchise, or employment relationship.
  • Force majeure. Neither party is liable for failure to perform due to causes beyond its reasonable control (e.g., natural disasters, war, network failures).
  • Export controls. You represent that you are not located in, and will not use the Service from, a country subject to U.S. government embargo, and that you are not on any U.S. government denied-party list.
  • Notices. Notices to you may be delivered by email to the address on your Account or by in-product notice. Notices to us should be sent to support@andiamo.tech.
  • Headings. Section headings are for convenience only and do not affect interpretation.

22. Contact