Legal Disclaimer

Important Information About Using VelocityBanking.io

Key Points

  • •This is an educational tool, not financial advice
  • •Calculations are estimates and may not reflect actual results
  • •Consult professionals before making financial decisions
  • •Results vary based on individual circumstances and discipline

Not Financial, Legal, or Tax Advice

VelocityBanking.io is an educational platform and calculation tool. The information, calculations, reports, and content provided through this website are for informational and educational purposes only.

We do NOT provide:

  • Personalized financial advice or recommendations
  • Legal advice or legal services
  • Tax advice or tax planning services
  • Investment advice or securities recommendations
  • Credit counseling or debt management services

Before making any financial decisions, you should consult with qualified professionals including licensed financial advisors, certified public accountants (CPAs), attorneys, and other relevant experts who can provide advice tailored to your specific circumstances.

Calculator Accuracy & Limitations

Our calculator provides estimates based on the information you input. Actual results may differ significantly from calculator projections due to various factors including but not limited to:

  • Changes in interest rates
  • Variations in income or expenses
  • Market conditions and economic factors
  • Changes in debt terms or balances
  • Individual spending habits and financial discipline
  • Unexpected life events or emergencies
  • Tax implications (which are not included in calculations)
  • Fees, penalties, or other costs not accounted for

The calculator assumes consistent behavior and unchanging circumstances, which rarely reflects real-world situations. Use projections as general guidance only, not as guaranteed outcomes.

Velocity Banking Risks

Velocity banking strategies involve using lines of credit (such as HELOCs or IBC policies) to pay off debt. These strategies carry inherent risks:

HELOC Risks

  • Your home serves as collateral; failure to repay could result in foreclosure
  • Variable interest rates may increase monthly payments
  • Draw periods end, requiring repayment of principal
  • Lenders can reduce or freeze credit lines

IBC/Policy Loan Risks

  • Policy loans reduce death benefit and cash value growth
  • Unpaid loans plus interest can cause policy lapse
  • Tax consequences if policy lapses with outstanding loans
  • Long-term commitment required for policy to perform as illustrated

Strategy Risks

  • Requires strict financial discipline and consistent income
  • May not be suitable for all financial situations
  • Can increase overall debt if not executed properly
  • Potential for worse outcomes than traditional debt payoff

Velocity banking is NOT a get-rich-quick scheme. It requires careful planning, discipline, and may not be appropriate for everyone. Thoroughly understand the risks before proceeding.

No Guarantees or Warranties

VelocityBanking.io makes no guarantees, warranties, or representations regarding:

  • The accuracy, completeness, or reliability of calculations or information
  • The suitability of velocity banking strategies for your situation
  • Results you may or may not achieve using these strategies
  • Availability or uninterrupted access to the website or services
  • Freedom from errors, bugs, or technical issues

The website and all content are provided "AS IS" and "AS AVAILABLE" without warranty of any kind, either express or implied.

Limitation of Liability

To the maximum extent permitted by law, VelocityBanking.io and its owners, operators, employees, and affiliates shall not be liable for any:

  • Financial losses resulting from use of this website or its calculations
  • Decisions made based on information provided
  • Errors, inaccuracies, or omissions in content or calculations
  • Direct, indirect, incidental, consequential, or punitive damages
  • Loss of profits, revenue, data, or business opportunities

Your use of this website and any velocity banking strategies is entirely at your own risk. You assume full responsibility for all decisions and outcomes.

Third-Party Links & Services

Our website may contain links to third-party websites, products, or services. We do not endorse, control, or assume responsibility for third-party content, practices, or policies.

Review the terms, privacy policies, and disclaimers of any third-party sites before use. VelocityBanking.io is not responsible for third-party websites or services.

Updates & Changes

We reserve the right to modify, update, or discontinue any part of this website or its services at any time without notice. We may also update this disclaimer periodically.

Continued use of the website after changes constitutes acceptance of the modified disclaimer. Check this page regularly for updates.

✅ Recommended Action Steps

Before implementing any velocity banking strategy:

  1. Consult with a licensed financial advisor about your complete financial picture
  2. Speak with a CPA or tax professional about tax implications
  3. Review terms and conditions with your HELOC lender or insurance agent
  4. Consult an attorney if you have questions about contracts or legal matters
  5. Ensure you fully understand all risks before proceeding

Questions About This Disclaimer?

If you have questions about this disclaimer or our services, please contact us.

Contact Support

Last Updated: January 2025

By using VelocityBanking.io, you acknowledge that you have read, understood, and agree to this disclaimer.