Terms and Conditions

By checking the acceptance box, submitting payment, creating or using an account, submitting an intake, or otherwise using the RCIA Service, you agree to these Terms and acknowledge the RCIA Privacy Policy.

1. Acceptance of These Terms

These RCIA Purchase Terms and Conditions (the "Terms") govern the purchase and use of the RCIA assessment and reporting service (the "RCIA Service") offered by Velomon, LLC ("Velomon").

If the analysis includes information for a spouse or other person in your household, you represent that you are authorized to provide their information and accept these Terms on their behalf.

If you do not agree, do not purchase or use the RCIA Service.

2. Roth Conversion Investment Analysis Service

The RCIA Service is a structured assessment and reporting process designed to help a household evaluate planning scenarios using information and assumptions supplied by the client and, where applicable, an assigned, licensed Velomon advisor or agent.

The RCIA service includes:

• One household RCIA case;
• Access to a secure intake process;
• Review by an assigned advisor or agent;
• Revisions coordinated through the assigned advisor or agent while the case remains open; and
• A final RCIA report delivered as a PDF or another format Velomon makes available.

The specific features, price, and any included add-ons shown at checkout are incorporated into these Terms.

Any separately signed advisory, consulting, or professional-services agreement is separate and not subject to this Agreement.

3. Eligibility and Authorized Use

You must be at least 18 years old and legally able to enter into a contract.

The RCIA Service is intended for personal household planning and authorized professional review.

You may not use the Service for unlawful activity, impersonate another person, interfere with the platform, bypass access controls, scrape or resell the Service, or upload information you are not authorized to provide.

4. Purchase, Pricing, and Payment

Prices are displayed at checkout and are due at purchase unless Velomon expressly offers another arrangement.

You authorize Velomon and its payment processor to charge the payment method you provide for the displayed amount, including any taxes or fees required by law.

Velomon does not intend to receive or store full payment-card numbers; payment information is handled by the applicable payment processor under its own terms and privacy practices.

A purchase is not complete until payment is accepted. If a payment is reversed, disputed, fraudulent, or not completed, Velomon may suspend or cancel the associated case, subject to applicable law.

5. One Household Case per Purchase

Each standard purchase covers one household and one RCIA case. A "household" generally means the individual or individuals whose finances are evaluated together for the requested assessment.

Combining unrelated households, transferring a case to a different household, or reusing a completed case for a new household requires Velomon’s written approval and may require a separate purchase.

6. Intake, Advisor Assignment, and Cooperation

After purchase, the client will be asked to complete an intake and may be assigned to an advisor or agent.

The client must provide timely, accurate, complete, and current information and respond to reasonable clarification requests.

The client is responsible for reviewing names, dates, amounts, assumptions, and other inputs before the report is finalized.

Velomon may pause work if information is missing, inconsistent, or appears unreliable.

Velomon may also request supporting information, but the RCIA Service does not include an audit or independent verification unless expressly stated in writing.

7. Revisions, Closing, Reopening, and Archiving

While a case is open, the assigned advisor or agent will accommodate reasonable client requests for revisions related to the purchased household case.

Unless the checkout or a separate agreement states otherwise, there is no preset numerical limit on advisor-requested revisions before the case is closed; however, requests must remain within the original scope and may not be used to create a materially different engagement.

Closing a case removes it from the active work roster.

Velomon may allow a closed case to be reopened if the request remains within the original scope and the underlying information is still suitable for use.

Archiving removes the case from the active roster and ends the included revision cycle. Reconvening an archived case, materially changing the household, or conducting a new assessment may require a new purchase.

Velomon may close or archive inactive cases after reasonable notice or after the inactivity period disclosed in the platform. Closing or archiving does not necessarily delete records; retention is governed by the Privacy Policy, legal obligations, and Velomon’s records-management practices.

8. Final Report and Delivery

When the assessment is ready, Velomon will deliver the final report to the client and may also deliver it to the assigned advisor or agent, using the contact information and delivery method associated with the case.

You authorize this delivery.

You are responsible for maintaining a current email address, checking spam or security filters, and protecting downloaded reports.

The report reflects the information, assumptions, rules, and analytical methods available when it is prepared.

If information or circumstances change, the report may no longer be current.

Velomon is not required to update a finalized, closed, or archived report unless a new or reopened engagement is accepted.

9. Client Responsibilities

You agree to:

• provide only information you are authorized to disclose;
• use reasonable care to ensure all intake data and assumptions are accurate and complete;
• promptly correct errors and report suspected unauthorized access;
• keep login credentials, passkeys, and multi-factor authentication methods secure;
• independently evaluate the report with qualified professionals before taking action; and
• retain your own copy of any final report and supporting materials you wish to keep.

10. Educational and Planning Purpose Only

The RCIA Service and report are provided for educational and planning purposes. They are not individualized tax, legal, accounting, insurance, actuarial, or investment advice and are not a recommendation to buy, sell, hold, transfer, or select any security, insurance product, account, strategy, benefit, or transaction.

The RCIA Service does not replace advice from a qualified attorney, tax professional, accountant, investment adviser, insurance professional, benefits specialist, or other licensed professional who understands your circumstances.

Any separate professional relationship you have with an advisor or agent is governed by the applicable agreement for that relationship, not by these Terms alone.

11. Estimates, Assumptions, and No Guarantee

RCIA results are estimates and may depend on assumptions about income, benefits, tax rules, market conditions, inflation, life expectancy, retirement dates, residency, filing status, household composition, and other inputs.

Actual outcomes may differ materially. Laws, rules, benefits, products, prices, and personal circumstances can change without notice.

Velomon does not guarantee the accuracy of third-party data, a particular result, financial outcome, eligibility determination, tax treatment, legal consequence, savings amount, or future performance.

You remain solely responsible for decisions made in reliance on the RCIA Service.

12. Third-Party Services and Information

The RCIA Service may rely on or link to third-party platforms, payment processors, hosting providers, communications tools, data sources, or professional service providers.

Velomon does not control all third-party services and is not responsible for their independent acts, omissions, availability, content, or privacy practices. Your use of a third-party service may be subject to its own terms.

13. Electronic Communications and Records

You consent to receive agreements, disclosures, intake notices, authentication messages, service updates, reports, and other communications electronically at the email address or telephone number you provide.

You may withdraw consent for non-essential marketing communications at any time. Withdrawing consent to required electronic service communications may prevent Velomon from completing the RCIA Service.

You are responsible for having software and equipment capable of accessing standard web pages, email, and PDF files. You may request a paper copy of these Terms by contacting Velomon.

14. Privacy and Confidentiality

Velomon’s collection, use, disclosure, retention, and protection of personal information are described in the RCIA Privacy Policy.

You understand that completion of the RCIA Service requires the processing of personal and financial information and disclosure to authorized personnel, assigned advisors or agents, and service providers supporting the Service.

15. Intellectual Property and License

Velomon and its licensors retain ownership of the RCIA platform, questionnaires, workflows, scoring methods, report templates, text, graphics, software, and other materials, excluding client-provided data.

Subject to these Terms and full payment, Velomon grants the client a limited, non-exclusive, non-transferable license to use the final report for the client’s personal household planning and to share it with the client’s professional advisors.

You may not reproduce the platform or report template for commercial resale, remove proprietary notices, reverse engineer the Service, or present Velomon’s materials as your own.

Feedback you voluntarily provide may be used by Velomon without restriction, provided it is not publicly attributed to you without permission.

16. Refunds and Cancellations

You may request cancellation for a full refund so long as the refund is 1) requested in writing and 2) precedes the one-on-one presentation of the RCIA results with the assigned Velomon advisor or agent.

Cancellation requests that are not made in writing or are requested after the presentation of results will not be entitled to a refund because computing capacity has been consumed and professional work has begun.

To request a cancellation or report a duplicate charge, contact [email protected] and include the purchaser’s name, transaction date, and order reference.

Velomon may approve additional refunds or credits in its discretion; doing so once does not create an obligation to do so again.

17. Service Availability, Suspension, and Changes

Velomon may maintain, update, suspend, or modify the RCIA Service to protect security, comply with law, improve operations, or address technical issues.

Velomon may suspend or terminate access for nonpayment, misuse, unlawful activity, security risk, or material breach of these Terms.

If Velomon permanently discontinues a paid case before substantially delivering it and the client is not in breach, Velomon will provide an appropriate remedy as required by law.

18. Disclaimer of Warranties

TO THE FULLEST EXTENT PERMITTED BY LAW, THE RCIA SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." VELOMON DISCLAIMS IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. VELOMON DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SUITABLE FOR A PARTICULAR DECISION. SOME JURISDICTIONS DO NOT ALLOW CERTAIN DISCLAIMERS, SO SOME OF THE FOREGOING MAY NOT APPLY TO YOU.

19. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, VELOMON AND ITS OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, ADVISORS, AGENTS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST OPPORTUNITIES, LOST DATA, OR DECISIONS MADE IN RELIANCE ON THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE FULLEST EXTENT PERMITTED BY LAW, VELOMON’S AGGREGATE LIABILITY ARISING FROM THE RCIA SERVICE WILL NOT EXCEED THE AMOUNT ACTUALLY PAID FOR THE SPECIFIC RCIA CASE GIVING RISE TO THE CLAIM. THESE LIMITATIONS DO NOT APPLY TO LIABILITY THAT CANNOT LAWFULLY BE LIMITED OR EXCLUDED.

20. Disputes, Governing Law, and Venue

Before filing a claim, you and Velomon agree to make a good-faith effort to resolve the dispute informally. A written notice should describe the issue and requested resolution and be sent to the contact address below. If the dispute is not resolved within 30 days after receipt, either party may pursue available remedies.

These Terms are governed by the laws of Indiana, without regard to conflict-of-law principles. Subject to applicable consumer law, the state and federal courts located in Hamilton County Indiana will have exclusive jurisdiction and venue.

Nothing in this section waives rights that cannot be waived under applicable law.

21. General Terms

These Terms, the checkout description, the Privacy Policy, and any separately signed agreement expressly incorporated by reference form the entire agreement concerning the purchased RCIA Service.

If a separately signed agreement conflicts with these Terms, the more specific signed agreement controls for the subject it addresses.

If any provision is unenforceable, it will be modified only to the extent necessary and the remaining provisions will remain in effect.

A waiver must be in writing and does not waive a later breach.

You may not assign your rights without Velomon’s consent; Velomon may assign these Terms in connection with a merger, reorganization, sale, or transfer of the Service, subject to applicable law. Section headings are for convenience only.

22. Changes to These Terms

Velomon may update these Terms from time to time.

The revised version will state a new effective date and will apply prospectively unless law permits otherwise.

Material changes affecting an active paid case will be communicated through the Service or by email when reasonably practicable.

Continued use after an update becomes effective constitutes acceptance of the updated Terms.

23. Contact

Questions, cancellation requests, and legal notices may be sent to: