Terms of Service

1. Eligibility

You must be at least 18 years old to create an account or use Veldran.

You are responsible for ensuring that your use of Veldran is permitted under the laws applicable to you.

You must provide accurate information when creating and maintaining your account and must not impersonate another person or create an account on their behalf without authorization.

2. What Veldran provides

Veldran is a software service designed to help users organize, aggregate, track and visualize personal financial and wealth information.

Depending on the features available to your account, Veldran may provide functionality relating to:

• investment portfolios and financial accounts;
• assets and securities;
• real estate;
• liabilities and debt;
• budgets and income;
• financial goals;
• historical wealth information;
• brokerage synchronization;
• market and reference data;
• financial calculations and indicators;
• portfolio imports;
• projections and simulations;
• shared workspaces;
• public portfolio sharing.

Features may evolve, be added, modified or removed over time.

3. Veldran does not provide financial advice

Veldran is an information, organization, tracking and calculation tool.

Veldran does not provide personalized investment advice, financial advice, tax advice, legal advice, accounting advice or brokerage services.

Information displayed by Veldran must not be interpreted as a recommendation or solicitation to buy, sell or hold any security, financial instrument, cryptocurrency, property or other asset.

Portfolio indicators, allocations, performance information, yields, projections, simulations, estimates and other calculations are provided for informational purposes only.

You remain solely responsible for your financial and investment decisions.

Where appropriate, you should consult a qualified professional before making financial, investment, tax, legal or accounting decisions.

4. Financial and market data

Veldran may obtain financial, market, reference or brokerage data from third-party providers.

Such data may be delayed, incomplete, unavailable, incorrectly mapped or inaccurate.

Prices displayed by Veldran should not be assumed to represent real-time, executable or official market prices unless explicitly stated otherwise.

Veldran does not guarantee the accuracy, completeness, timeliness or availability of third-party financial data.

You should independently verify information before relying on it for a financial transaction or decision.

5. Brokerage connections

Veldran may allow you to connect supported brokerage accounts through SnapTrade or another supported provider.

You choose whether to establish a brokerage connection.

Brokerage connectivity is provided through third-party infrastructure and may depend on the availability, permissions and technical operation of the relevant brokerage and connectivity provider.

Veldran does not execute trades, place orders, move funds or take custody of your brokerage assets through this functionality.

A brokerage connection may stop working, require reconnection, become temporarily unavailable or cease to be supported.

Disconnecting a brokerage connection does not necessarily delete financial data previously imported into Veldran.

6. User-provided and imported data

You are responsible for reviewing financial information that you manually enter or import into Veldran.

Imports from CSV files, screenshots, brokerage connections or other sources may contain errors or may be interpreted incorrectly.

Automated extraction, matching, categorization and normalization features are provided to assist users but are not guaranteed to be error-free.

You should verify imported information before relying on calculations or analytics based on it.

7. Projections and simulations

Any financial projection, compound-growth calculation, goal forecast, estimated historical value, expected income calculation or similar simulation displayed by Veldran is an estimate based on assumptions and available data.

Past performance does not guarantee future results.

Actual results may differ materially from projections.

Projections and simulations do not constitute a promise, guarantee or prediction of future financial performance.

8. Accounts and security

You are responsible for maintaining the security of your account and for activities performed through it.

You must not knowingly share authentication credentials with unauthorized persons.

You should notify Veldran at contact@veldran.app if you reasonably believe your account has been compromised.

Veldran may implement authentication, authorization and security controls, but no online service can guarantee absolute security.

9. Shared workspaces

Veldran may allow multiple users to participate in the same workspace.

Users with appropriate permissions may be able to view or modify financial information belonging to that workspace.

You are responsible for inviting only people who are authorized to access the relevant information.

Workspace roles may grant different permissions.

Financial data associated with a shared workspace belongs to and remains associated with that workspace for the purposes of the Veldran service.

Leaving or deleting your membership from a workspace you do not own does not automatically delete that workspace's financial data.

10. Public sharing

Veldran may provide features allowing users to create public links containing selected portfolio information.

Public sharing is optional.

You are responsible for reviewing the visibility settings and information you choose to make public.

Anyone with access to a valid public link may be able to view the information made available through that link.

You should not publicly share information that you consider confidential or that you are not authorized to disclose.

Public sharing can be disabled or its access token regenerated where the feature supports it.

11. Paid subscriptions

Veldran may offer free and paid subscription plans.

Available features, usage limits, prices and billing intervals may vary by plan and may change over time.

The applicable price and billing period are displayed before purchase.

Paid subscriptions are processed through Stripe.

Unless otherwise stated at purchase, subscriptions automatically renew for successive billing periods until cancelled.

You may cancel a subscription through the functionality made available by Veldran or Stripe.

Unless otherwise stated, cancellation takes effect at the end of the current paid billing period and access to paid features may continue until that time.

Cancellation prevents future renewal but does not by itself delete your Veldran account or financial data.

12. Refunds

Except where required by applicable law or expressly agreed otherwise by Veldran, payments are generally non-refundable.

Veldran does not generally provide prorated refunds or credits for partially used subscription periods.

This does not affect any mandatory consumer rights that apply to you.

Where a duplicate charge, billing error or other exceptional payment issue occurs, you may contact:

13. Consumer withdrawal rights

If you are a consumer, you may have a statutory right to withdraw from a distance contract within a specified period, including rights that may apply under French or European consumer law.

Nothing in these Terms is intended to remove or restrict a mandatory right of withdrawal that applies to you.

The availability, duration, exercise and consequences of such rights depend on the law applicable to the transaction and the circumstances in which the service begins.

Veldran may introduce specific mechanisms or notices for exercising applicable consumer withdrawal rights.

Do not assume that cancelling a subscription through ordinary subscription settings is necessarily the same legal process as exercising a statutory right of withdrawal.

14. Changes to subscriptions and pricing

Veldran may change subscription plans, included features, usage limits or prices.

Changes affecting an existing paid subscription will be handled in accordance with applicable law and the information communicated to the user.

Where required, users will receive appropriate notice before a pricing change takes effect for a future billing period.

Continued use after a validly notified change may be subject to the updated subscription terms.

15. Acceptable use

You must not use Veldran to:

• violate applicable law;
• access another person's account or financial information without authorization;
• interfere with or disrupt the service or its infrastructure;
• attempt to bypass access controls, subscription restrictions or security measures;
• probe, scan or test vulnerabilities without authorization;
• introduce malicious code;
• use automated methods in a manner that materially harms or overloads the service;
• misuse public sharing, collaboration or feedback functionality;
• impersonate another person;
• use the service for fraudulent or abusive purposes.

Reasonable personal use of Veldran is permitted subject to your plan and applicable feature limits.

16. Suspension and termination

Veldran may restrict, suspend or terminate access where reasonably necessary, including in cases of:

• material violation of these Terms;
• fraudulent or abusive activity;
• security threats;
• unauthorized access;
• legal or regulatory requirements;
• non-payment of applicable subscription charges.

Where reasonably possible and appropriate, Veldran may provide notice or an opportunity to resolve the issue.

Nothing in this section limits mandatory consumer rights.

17. Account deletion

Eligible users may permanently delete their Veldran account through account settings.

Deletion may be blocked where the user owns a shared workspace containing other members until that ownership situation has been resolved.

Deleting an account may result in permanent deletion of private workspace financial information associated with the user.

Memberships in workspaces owned by other users may be removed without deleting the shared workspace data.

Account deletion is distinct from subscription cancellation and from simply disconnecting a brokerage connection.

Users should review the Privacy Policy for additional information regarding data deletion and retention.

18. Third-party services

Veldran relies on third-party services and data providers.

These may include services for:

• hosting;
• database infrastructure;
• authentication;
• brokerage connectivity;
• payments;
• transactional email;
• artificial-intelligence-assisted portfolio extraction;
• financial and market data.

Third-party services may be governed by their own terms and privacy policies.

Veldran is not responsible for independent services operated by third parties outside Veldran's reasonable control.

The availability of a Veldran feature may depend on the continued availability of a third-party service.

19. Intellectual property

The Veldran service, including its software, interface, design, branding, original content and related materials, is protected by applicable intellectual-property laws.

Except where permitted by law or an applicable open-source license, you may not copy, reproduce, distribute, sell, license or exploit Veldran's protected materials without authorization.

You retain your rights in information and content you provide to Veldran.

You grant Veldran the limited rights necessary to host, process, display and otherwise use that information solely as needed to provide and operate the service.

20. Service availability and changes

Veldran is under active development.

The service may occasionally be unavailable because of maintenance, technical problems, security incidents, provider outages or other operational reasons.

Veldran does not guarantee uninterrupted or error-free availability.

Veldran may modify, replace, suspend or discontinue features where reasonably necessary.

Where a material change affects paid users, Veldran will take reasonable steps to provide information consistent with applicable law.

21. Disclaimer of warranties

To the maximum extent permitted by applicable law, Veldran is provided on an "as is" and "as available" basis.

Veldran does not guarantee that:

• all financial information is accurate or complete;
• third-party data is current;
• calculations or imports are error-free;
• every brokerage or external provider will remain available;
• the service will always operate without interruption;
• projections or estimates will correspond to actual future results.

Nothing in these Terms excludes warranties or rights that cannot legally be excluded for consumers.

22. Limitation of liability

Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by applicable law.

Subject to those mandatory rules, Veldran is not responsible for financial losses resulting solely from investment, trading, tax or other financial decisions made by a user based on information displayed through the service.

Users remain responsible for independently reviewing information before making financial decisions.

Veldran is also not responsible for failures caused by third-party services outside its reasonable control, except where applicable law provides otherwise.

This section does not limit mandatory consumer protections.

23. Governing law and consumers

These Terms are governed by French law.

If you are a consumer residing in another country, this choice of law does not deprive you of mandatory consumer protections that apply to you under the law of your country of residence where those protections cannot legally be waived by contract.

Nothing in these Terms limits your right to bring a claim before a competent court where applicable law grants you that right.

24. Changes to these Terms

Veldran may update these Terms to reflect changes to the service, business model, legal requirements or operational practices.

The current version and its last-updated date will remain available on this page.

Where changes materially affect existing users or paid subscriptions, Veldran may provide notice where appropriate or legally required.

25. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue to apply to the extent permitted by law.

26. Contact

Questions regarding these Terms may be sent to: