Terms of Service

1. Acceptance of Terms

By accessing and using VelocityBanking.io ("the Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to these Terms of Service, please do not use the Service.

2. Description of Service

VelocityBanking.io provides a free online calculator tool that helps users estimate debt payoff timelines using velocity banking strategies with HELOC (Home Equity Line of Credit) and line of credit approaches. The Service includes:

• Free debt payoff calculator
• Financial projection estimates
• Downloadable PDF reports (free and premium options)
• Educational content about velocity banking

3. Not Financial Advice

4. Accuracy of Calculations

While we strive to provide accurate calculations, the Service provides estimates based on the information you provide. Actual results may vary significantly based on:

• Changes in interest rates
• Your specific financial situation
• Credit profile and lending terms
• Market conditions
• Individual spending habits and discipline

We make no warranties or guarantees about the accuracy, completeness, or reliability of the calculations provided.

5. User Responsibilities

You agree to:

• Provide accurate information when using the calculator
• Not use the Service for any unlawful purpose
• Not attempt to interfere with the Service's operation
• Not reproduce, duplicate, copy, or resell any part of the Service without permission
• Understand that results are estimates and not guarantees

6. Intellectual Property

The Service and its original content, features, and functionality are owned by Bitline Services Corp. and are protected by international copyright, trademark, and other intellectual property laws.

7. Limitation of Liability

To the maximum extent permitted by law, Bitline Services Corp. shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:

• Your use or inability to use the Service
• Any financial decisions made based on information from the Service
• Any unauthorized access to or use of our servers and/or any personal information stored therein
• Any errors or omissions in any content

8. Premium Features and Payments

Some features of the Service may be offered for a fee (Premium PDF Reports). By purchasing premium features:

• Payments are processed securely through third-party payment processors
• All sales are final unless otherwise stated
• Refund policies are clearly stated at the point of purchase
• You receive a license to use the content for personal use only

9. Changes to Terms

We reserve the right to modify or replace these Terms at any time. We will provide notice of any changes by updating the "Last Updated" date. Your continued use of the Service after any changes constitutes acceptance of the new Terms.

10. Termination

We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

11. Governing Law

These Terms shall be governed and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.

12. Contact Information

If you have any questions about these Terms, please contact us at: