™Last Updated: September 24, 2026
These Terms and Conditions ("Terms") govern your access to and use of VelaMoney, a budgeting application operated by Peter C Fuller, Inc. ("VelaMoney," "we," "our," or "us"), including its websites, applications, connected-account features, alerts, artificial intelligence features, and related services (collectively, the "Service").
By creating an account, linking a financial account, or using the Service, you agree to these Terms and our VelaMoney Privacy Policy. If you do not agree, do not use the Service.
1. Eligibility and Account Security
You must be at least 18 years old and legally able to enter into a binding agreement to use the Service. You agree to provide accurate account information and keep it current.
You are responsible for safeguarding your login credentials, devices, and verification methods and for activity conducted through your account. Notify us promptly at operations@petercfuller.com if you believe your account has been accessed without authorization.
2. Informational Service; No Financial Advice
VelaMoney provides budgeting, categorization, forecasting, alerting, and informational tools. The Service does not provide financial, investment, tax, legal, accounting, credit, or other professional advice and is not a financial institution, broker, investment adviser, lender, or credit counselor.
You are solely responsible for your financial decisions. Consider consulting a qualified professional before acting on information provided by the Service.
3. Accuracy and User Responsibility
Financial data, account balances, transaction details, categories, forecasts, alerts, and AI-generated responses may be delayed, incomplete, duplicated, or inaccurate. You agree to:
- Verify important information directly with the applicable financial institution or source before relying on it
- Review transaction categories, budgets, forecasts, and recommendations for accuracy
- Maintain sufficient funds and independently monitor bills, payment dates, balances, and account activity
- Remain responsible for all decisions and actions taken based on the Service
The Service is not a substitute for official account statements or records.
4. Plaid-Linked Financial Accounts
VelaMoney uses Plaid Inc. ("Plaid") to enable you to connect eligible financial accounts. When you choose to connect an account, you authorize VelaMoney and Plaid to access, retrieve, process, and transmit information from the financial institutions you select, which may include account names and types, balances, transaction history, merchant information, and account identifiers.
Your use of Plaid is subject to the Plaid End User Services Agreement and the Plaid End User Privacy Policy. Plaid is an independent service provider, and its services may be subject to separate terms imposed by Plaid or your financial institution.
VelaMoney does not receive or store your online-banking username or password. Financial account information is made available through Plaid after you authorize the connection.
You may disconnect a linked financial account through the Service when that option is available or by contacting us. Disconnecting stops the retrieval of new information but does not automatically delete information previously received. Deletion requests are handled under our Privacy Policy.
5. No Transaction Authority
Unless a separate feature clearly states otherwise and you provide specific authorization, VelaMoney is a read-only budgeting and information service. It does not initiate bank transfers, payments, trades, withdrawals, deposits, or other transactions, and it cannot stop or reverse transactions made through your financial institution.
6. Third-Party Services and Integrations
The Service may interoperate with third-party products such as Plaid, financial institutions, Google Sheets, Zapier, Twilio, and AI model providers. Your use of those products may be governed by their own terms and privacy policies.
We do not control and are not responsible for third-party services, their availability, their accuracy, or changes they make. A third-party connection may be unavailable, delayed, suspended, or discontinued at any time.
7. Alerts, Messages, and Electronic Communications
If you enable text or other notifications, you consent to receive account, budget, forecast, security, and service messages at the contact information you provide. Message and data rates may apply. Delivery is not guaranteed and alerts may be delayed.
You may change notification preferences or opt out of nonessential text messages by following the instructions in a message. Security, legal, and essential account notices may still be delivered electronically where permitted by law.
8. Artificial Intelligence Features
AI-generated categories, insights, forecasts, answers, and recommendations are probabilistic and may be incorrect or unsuitable for your circumstances. You must independently review AI output before relying on it. Do not use AI output as the sole basis for significant financial decisions.
9. Acceptable Use
You may not:
- Use the Service for unlawful, fraudulent, deceptive, abusive, or unauthorized purposes
- Access or attempt to access another person's account or financial information
- Interfere with the security, operation, or integrity of the Service
- Upload malicious code or use automated means to scrape, copy, overload, or probe the Service
- Reverse engineer, resell, sublicense, or commercially exploit the Service except as expressly permitted in writing
- Misrepresent your identity, authority, or ownership of a connected financial account
10. Ownership and License
The Service, including its software, designs, content, models, workflows, trademarks, and related intellectual property, is owned by Peter C Fuller, Inc. or its licensors and is protected by applicable law.
Subject to these Terms, we grant you a limited, personal, revocable, nonexclusive, nontransferable license to use the Service for your own lawful purposes. You retain ownership of information you submit and grant us permission to process it only as needed to operate, secure, and improve the Service as described in our Privacy Policy.
11. Fees, Renewals, and Cancellation
If paid plans are offered, applicable prices, billing intervals, renewal terms, trial conditions, and cancellation instructions will be disclosed before purchase. You authorize the disclosed charges and are responsible for applicable taxes. Except where required by law or stated at purchase, fees are nonrefundable.
12. Service Availability and Changes
We may modify, suspend, or discontinue all or part of the Service, including connected-account or AI features. We do not guarantee uninterrupted, secure, or error-free operation, continuous access to third-party data, or compatibility with every financial institution or device.
13. Suspension and Termination
We may suspend or terminate access if you violate these Terms, create risk or liability, misuse the Service, fail to pay applicable fees, or if required by law or a third-party provider. You may stop using the Service at any time and may request account deletion as described in the Privacy Policy.
14. Disclaimers
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." PETER C FULLER, INC. DISCLAIMS ALL EXPRESS, IMPLIED, AND STATUTORY WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AND QUIET ENJOYMENT. WE DO NOT WARRANT THAT FINANCIAL DATA, FORECASTS, ALERTS, OR AI OUTPUT WILL BE COMPLETE, CURRENT, OR ERROR-FREE.
15. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, PETER C FULLER, INC. AND ITS OFFICERS, EMPLOYEES, CONTRACTORS, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; LOST PROFITS, REVENUE, DATA, OR OPPORTUNITIES; FINANCIAL LOSSES OR OVERDRAFTS; OR DAMAGES ARISING FROM RELIANCE ON DATA, ALERTS, FORECASTS, OR AI OUTPUT. OUR TOTAL LIABILITY ARISING OUT OF THE SERVICE WILL NOT EXCEED THE GREATER OF THE AMOUNT YOU PAID FOR THE SERVICE DURING THE 12 MONTHS BEFORE THE CLAIM OR $100, EXCEPT WHERE LAW DOES NOT PERMIT THIS LIMITATION.
16. Indemnification
To the extent permitted by law, you agree to defend, indemnify, and hold harmless Peter C Fuller, Inc. and its officers, employees, contractors, and service providers from claims, losses, liabilities, and expenses arising from your misuse of the Service, violation of these Terms, infringement of another party's rights, or unauthorized connection or use of a financial account.
17. Governing Law and Dispute Resolution
These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles. To the extent permitted by law, disputes will be resolved by binding individual arbitration in California rather than in court, and you waive participation in class or representative proceedings.
17a. Assignment
Peter C Fuller, Inc. may assign or transfer its rights and obligations under these Terms, in whole or in part, in connection with a merger, acquisition, asset sale, or corporate reorganization, without notice or consent. You may not assign or transfer your rights or obligations under these Terms without our prior written consent.
18. Changes to These Terms
We may update these Terms from time to time. We will post revised Terms on this page and update the date shown above. If a change materially affects your rights, we will provide additional notice when required by law. Continued use after the effective date of revised Terms constitutes acceptance.
19. Contact
Peter C Fuller, Inc.
VelaMoney
Email: operations@petercfuller.com
Website: www.petercfuller.com