Terms of Service

1. Acceptance of Terms

Welcome to VeltaCapital (“VeltaCapital,” “we,” “us,” or “our”), accessible at veltacapital.net (the “Site”). By accessing or using the Site, our financial education course, simulation platform, or any related services (collectively, the “Services”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree, please do not use the Services.

If you are under 18, you confirm that a parent or legal guardian has reviewed and agreed to these Terms on your behalf, or that you have their permission to use the Services.

2. Description of Services

VeltaCapital is a free, non-commercial educational project. It provides content related to finance, investing, and market reasoning, including:

• A structured educational course on stock trading and investing concepts
• Historical chart exercises and simplified hypothetical payoff comparisons
• A credit and rewards system tied to platform engagement and course progress

VeltaCapital is an educational platform only. No portion of the Services constitutes real trading, brokerage services, or the purchase or sale of actual securities. Hypothetical dollar outcomes and learning credits have no real-world monetary value.

“Non-commercial educational project” describes how the Services currently operate. It does not mean that VeltaCapital is incorporated as a nonprofit organization, recognized as tax-exempt under Section 501(c)(3), or authorized to represent a school.

3. Not Financial or Investment Advice

Nothing on the Site or within the Services should be construed as financial, investment, tax, or legal advice. VeltaCapital is not a registered investment adviser, broker-dealer, or financial institution under U.S. federal or state law. Content is provided for educational purposes only. You should consult a qualified professional before making any real-world financial decisions.

4. Eligibility and Accounts

• You must provide accurate information when creating an account.
• You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account.
• Accounts are personal and non-transferable.
• We reserve the right to suspend or terminate accounts that violate these Terms.

5. Free Access

• The Services do not charge an access fee and do not offer paid plans or subscriptions.
• We do not request or store payment card information.
• All signed-in users receive the same course, flashcard, simulation, and portfolio features.
• Learning credits can be earned only through educational activity and cannot be purchased.

If you previously paid VeltaCapital before free access began, see Previous Payment Support for contact information. Nothing in these Terms limits any right or remedy you may have under applicable law.

6. Credits and Rewards System

Any in-platform credits, points, badges, or rewards:

• Have no cash value and cannot be exchanged for real currency.
• Are non-transferable between accounts.
• May be modified, reset, or discontinued at our discretion, with reasonable notice where practicable.

The Historical Simulation Portfolio and any milestone certificate record hypothetical educational calculations only. They do not represent real earnings, assets, an investment account, verified trading performance, professional certification, or a qualification to provide financial advice.

7. Intellectual Property

All course materials, text, graphics, logos, platform design, and other content on the Site are the property of VeltaCapital or its licensors and are protected by copyright and other intellectual property laws. You may not copy, reproduce, distribute, or create derivative works from our content without prior written permission, except for personal, non-commercial educational use.

8. Prohibited Conduct

You agree not to:

• Use the Services for any unlawful purpose
• Attempt to gain unauthorized access to accounts, systems, or data
• Reverse-engineer, scrape, or copy the platform’s underlying code or content for redistribution
• Misrepresent simulated trading results as real investment performance
• Share account credentials or sell or commercially redistribute the Services without authorization
• Upload malicious code or interfere with the Services’ operation

9. Disclaimers

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT GUARANTEE THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE. SIMULATED TRADING RESULTS ARE NOT INDICATIVE OF REAL-WORLD INVESTMENT OUTCOMES.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, VELTACAPITAL AND ITS FOUNDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF DATA, REVENUE, OR PROFITS, ARISING FROM YOUR USE OF THE SERVICES. THE SERVICES ARE PROVIDED WITHOUT AN ACCESS FEE. NOTHING IN THESE TERMS EXCLUDES OR LIMITS LIABILITY THAT CANNOT LAWFULLY BE EXCLUDED OR LIMITED.

11. Termination

We may suspend or terminate your access to the Services at any time for violation of these Terms or for any other reason, with or without notice. You may stop using the Services and request account deletion at any time.

12. Changes to These Terms

We may update these Terms from time to time. Material changes will be communicated via the Site or email where practicable. Continued use of the Services after changes take effect constitutes acceptance of the revised Terms.

13. Governing Law

These Terms are governed by the laws of the Commonwealth of Virginia, without regard to conflict-of-law principles, unless otherwise required by applicable law.

14. Contact Us

Questions about these Terms can be sent to:
VeltaCapital · Email: veltacapitalhq@gmail.com · Website: veltacapital.net