Terms of Service & End User License Agreement

VELCURA

Effective date: August 20, 2026 · Last updated: August 20, 2026

These Terms of Service (“Terms”) are a binding agreement between you and VELCURA by ValueAI (“VELCURA,” “we,” “us,” or “our”) governing your use of the VELCURA mobile application, websites, and related services (the “Services”). By creating an account or using the Services, you agree to these Terms and to our Privacy Policy.

Please read Section 17 (Disclaimers), Section 18 (Limitation of Liability), and Section 20 (Arbitration & Class-Action Waiver) carefully. They limit our liability and affect how disputes are resolved.

1. VELCURA’s role — a marketplace, not a service provider

VELCURA operates an online marketplace that connects Customers with independent Providers who perform in-person services on Customers’ vehicles or property. VELCURA is a technology platform and intermediary only. We do not perform the services, do not employ Providers, and are not a party to the agreement for services formed directly between a Customer and a Provider. Providers are independent contractors and businesses, not employees, agents, partners, or joint venturers of VELCURA. VELCURA does not guarantee the quality, safety, legality, timing, or outcome of any service, nor the accuracy of any listing, and does not endorse any Provider or Customer.

2. Eligibility & accounts

You must be at least 18 years old and able to form a binding contract to use the Services.
You must provide accurate information and keep it current. You are responsible for all activity under your account and for keeping your credentials confidential.
Providers must have the legal right, licenses, permits, and qualifications required to perform their services in their jurisdiction.
We may refuse, suspend, or terminate accounts at our discretion, consistent with these Terms and applicable law.

3. Customer terms

When you book through VELCURA, you enter into a direct agreement with the Provider for the requested services. You are responsible for describing your needs accurately and for providing safe access to the vehicle or property.
You authorize VELCURA and its payment processor to charge your selected payment method for the service price, applicable booking fees, taxes, and any cancellation charges under Section 8.
You are responsible for evaluating a Provider’s suitability. The Verified Professional badge is limited in meaning — see Section 5.
Disputes about the quality of services are primarily between you and the Provider. VELCURA may, but is not obligated to, assist with resolution.

4. Provider terms

You are an independent business, solely responsible for your work, employees, subcontractors, tools, taxes, licenses, and legal compliance.
You are responsible for the quality and safety of your services and for any damage to a Customer’s vehicle or property caused by you.
You agree to honor confirmed bookings, communicate professionally, and set accurate pricing and availability.
You are solely responsible for your own tax obligations. VELCURA and/or Stripe may issue tax forms (e.g., Form 1099) where required, and you agree to provide accurate tax information.
You must maintain any insurance required by law for your work, and — if enrolled as a Pro — the insurance described in Section 6.

5. Provider tiers & the Verified Professional badge

Feature	VELCURA Standard	VELCURA Pro
Monthly subscription	$0	$100 / month
Platform fee (per job)	12%	8%
Payment-processing fees	Paid by Provider	Paid by Provider
Insurance requirement	As required by law for the Provider’s work	Qualifying business insurance required, verified by VELCURA (see §6)
Verified Professional badge	Not available	Displayed while insurance and verification remain active

Meaning of the “Verified Professional” badge. The Verified Professional badge indicates only that VELCURA has reviewed specified Provider credentials, including evidence of insurance meeting VELCURA’s then-current requirements. The badge does not constitute a guarantee, warranty, or representation by VELCURA of the Provider’s workmanship, qualifications, insurance coverage, or services, and VELCURA does not insure Providers or Customers. The badge is automatically removed if a Provider’s insurance expires, is canceled, or falls below VELCURA’s requirements, or if verification lapses; the Provider must update and re-verify their documentation to regain it.

6. Pro insurance requirements

To enroll and remain in VELCURA Pro, a Provider must obtain, maintain, and submit proof of qualifying business insurance, verified by VELCURA, meeting at least the following baseline:

Commercial General Liability: at least $1,000,000 per occurrence and $2,000,000 aggregate;
Customer vehicle/property coverage: appropriate coverage for Customers’ vehicles and property, with at least $100,000 of applicable customer-vehicle/property coverage;
Trade-specific coverage as applicable — for example, garagekeepers/automotive service, completed-operations, or commercial auto coverage — depending on the services the Provider performs.

Insurance must remain active continuously to retain the badge and Pro status. VELCURA may request updated certificates at any time and may remove the badge or downgrade a Provider that fails to maintain qualifying coverage. VELCURA’s review of insurance documents is administrative only and is not a determination that coverage is adequate for any particular job or loss.

7. Fees & payments

VELCURA charges the following fees. All fees are exclusive of taxes unless stated, and we may change fees on prospective notice.

Fee	Standard Provider	VELCURA Pro
Provider platform fee (deducted from payout)	12% of service price	8% of service price
Monthly subscription	$0	$100 / month
Customer booking fee (added at checkout)	3% of service price	3% of service price
Payment-processing fees (Stripe)	Paid by Provider	Paid by Provider

Provider platform fee is deducted from the Provider’s payout for each completed job.
Customer booking fee of 3% is added to the service price at checkout and paid by the Customer.
Payment-processing fees charged by Stripe are the Provider’s responsibility.
The $100/month Pro subscription renews automatically until canceled and is generally non-refundable except where required by law. Canceling Pro ends Pro benefits, including the reduced fee and the Verified Professional badge.

Illustrative example (Standard booking): on a service priced at $100, the Customer pays $103 (including the 3% booking fee), and VELCURA’s gross take is effectively about 15% — 12% from the Provider side plus 3% from the Customer side — before Stripe processing fees, which the Provider bears.

8. Cancellations & refunds

24+ hours before the appointment: cancellation is free.
Within 24 hours of the appointment (late cancellation): the Customer is charged 25% of the service price, allocated 20% to the Provider and 5% to VELCURA.
No-shows, refunds for incomplete or unsatisfactory work, and rescheduling are handled through VELCURA support — see our Support & Help Center. VELCURA may adjust charges, issue refunds, or reverse payouts to reflect the actual outcome of a booking, to resolve disputes, or to address fraud or policy violations.
Chargebacks and payment disputes are handled through Stripe and applicable card-network rules.

9. Payment processing (Stripe)

Payments and payouts are processed by Stripe. By using the Services, Providers agree to the Stripe Connected Account Agreement and applicable Stripe terms, and all users agree to Stripe’s terms as they apply. VELCURA does not store full payment card numbers. You authorize VELCURA and Stripe to initiate charges, payouts, deductions, reversals, and refunds as described in these Terms. VELCURA is not a bank and does not provide banking, lending, or insurance services.

10. User content & reviews

Customers may rate Providers, write reviews, and submit photos of completed work (“User Content”). You are solely responsible for your User Content and must have the rights to submit it. Reviews must be truthful and based on a genuine experience. Do not post content that is false, defamatory, harassing, infringing, or that discloses others’ private or sensitive information. VELCURA does not endorse User Content and is not responsible for it, but may moderate it under Section 12.

License. You grant VELCURA a worldwide, non-exclusive, royalty-free, sublicensable, and transferable license to host, store, use, reproduce, modify, adapt, publish, display, and distribute your User Content in connection with operating, promoting, and improving the Services. This license continues for content you leave on the Services and for reasonable backup and legal-record purposes after removal.

11. Prohibited conduct

You agree not to:

Violate any law or infringe anyone’s rights;
Circumvent VELCURA to arrange or pay for services off-platform in order to avoid fees;
Post objectionable, fraudulent, harassing, hateful, violent, sexually explicit, or misleading content;
Misrepresent identity, credentials, insurance, or affiliation;
Interfere with the Services, scrape data, or introduce malware;
Use the Services to discriminate unlawfully or to endanger anyone’s safety.

12. Content moderation & objectionable content

VELCURA has no tolerance for objectionable content or abusive users. Users can flag or report content and block other users from within the app. We review reports and may remove content and suspend or remove users who violate these Terms, typically acting on reports of objectionable content within 24 hours. We may also remove content or take action proactively. These measures are in addition to our other rights and are intended to keep the community safe.

13. Intellectual property & app license

The Services, including software, design, and the VELCURA name and logos, are owned by VELCURA and its licensors and protected by law. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to use the app for its intended purpose. You may not copy, modify, reverse engineer, resell, or create derivative works except as permitted by law.

14. Additional app-store terms

You obtained the app from the Apple App Store and/or Google Play, and additional terms apply:

Apple App Store (EULA)

These Terms are between you and VELCURA, not Apple. Apple is not responsible for the app or its content.
Your license to use the app is a non-transferable license to run it on Apple-branded devices you own or control, per the App Store Terms of Service.
Apple has no obligation to provide maintenance or support. To the extent legally permitted, Apple has no warranty obligation; any claims about the app not conforming to warranty are VELCURA’s responsibility.
VELCURA, not Apple, is responsible for addressing product-liability, legal, or regulatory claims and third-party intellectual-property claims relating to the app, as required by these Terms and applicable law.
Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.
You represent that you are not located in a U.S.-embargoed country or on a prohibited-parties list.

Google Play

Your use of the app is also subject to the Google Play Terms of Service. Google is not a party to these Terms and is not responsible for the app.

15. Suspension & termination

You may stop using the Services at any time and delete your account. We may suspend or terminate access, remove content, or withhold or reverse payouts if you violate these Terms, create risk or legal exposure, or as otherwise permitted by law. Sections that by their nature should survive termination (including fees owed, content license, disclaimers, liability limits, indemnities, and dispute resolution) survive.

16. Third-party services

The Services rely on third parties (including Stripe, mapping, analytics, and communications providers) and may link to third-party content. We are not responsible for third-party services, and your use of them is governed by their terms.

17. Disclaimers

The services are provided “as is” and “as available” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, non-infringement, and any warranties arising from course of dealing or usage. VELCURA does not warrant that the services will be uninterrupted, secure, or error-free, or that any provider or service will meet your expectations. VELCURA is not responsible for the acts, omissions, conduct, workmanship, or any injury, damage, or loss caused by any provider or customer.

18. Limitation of liability

To the maximum extent permitted by law, VELCURA and its officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, data, goodwill, or property damage or personal injury caused by providers or customers, arising out of or relating to the services. VELCURA’s total liability for any claim will not exceed the greater of (a) the total fees VELCURA received from you in the six months before the event giving rise to the claim, or (b) $100. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

19. Indemnification

You agree to indemnify and hold harmless VELCURA and its affiliates from claims, damages, liabilities, and expenses (including reasonable legal fees) arising out of your use of the Services, your User Content, your services (if a Provider), your violation of these Terms or law, or your infringement of any third party’s rights.

20. Arbitration & class-action waiver

To the extent permitted by law, you and VELCURA agree that disputes will be resolved on an individual basis and you waive any right to participate in a class or representative action.

21. Governing law & venue

These Terms are governed by the laws of the State of Texas and applicable U.S. federal law, without regard to conflict-of-laws rules. Subject to Section 20, the exclusive venue for disputes is the state and federal courts located in Dallas County, Texas, and you consent to their jurisdiction.

22. Changes & contact

We may update these Terms from time to time. If changes are material, we will provide notice through the app or by other reasonable means and update the “Last updated” date. Continued use after changes take effect means you accept the revised Terms. Questions:

VELCURA / VELCURA by ValueAI
Email: help@velcura.app