Terms Of Service

VeraHold LLC | Ohio | Effective Date: August 9, 2026

Last Updated: August 24, 2026

PLEASE READ THESE TERMS OF SERVICE CAREFULLY BEFORE USING THE VERAHOLD APPLICATION OR ANY RELATED SERVICES. BY CREATING AN ACCOUNT, DOWNLOADING THE APP, OR USING ANY PART OF THE SERVICE, YOU AGREE TO BE BOUND BY THESE TERMS IN THEIR ENTIRETY. IF YOU DO NOT AGREE, DO NOT USE THE SERVICE.

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and VeraHold LLC, an Ohio limited liability company ("VeraHold," "Company," "we," "us," or "our"), governing your access to and use of the VeraHold mobile application, website located at verahold.com, and all related services, features, content, and functionality (collectively, the "Service").

By accessing, registering for, downloading, installing, or otherwise using the Service in any manner, you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety, as well as any additional policies incorporated herein by reference, including but not limited to the Privacy Policy. If you do not agree to these Terms, you must immediately discontinue use of the Service.

Any action taken within the App to accept, approve, confirm, or otherwise proceed with an offer, request, or agreement constitutes both (a) your authorization for any applicable Authorization Hold or authorization process facilitated through the Service, and (b) your full and unconditional acceptance of these Terms at the time of such action. Such acceptance shall be deemed legally binding and enforceable to the fullest extent permitted by applicable law.

Your continued use of the Service following any updates, modifications, or revisions to these Terms constitutes your acceptance of such changes. It is your responsibility to periodically review these Terms to remain informed of any updates. The Company reserves the right, at its sole discretion, to modify, update, or replace these Terms at any time, with or without prior notice, except where notice is required by applicable law.

2. Definitions

For purposes of these Terms, the following definitions apply:

"App" or "Service" means the VeraHold mobile application, website, and all associated services, features, systems, and functionalities provided by the Company, whether currently available or made available in the future.

"User" means any individual or entity that accesses, registers for, or uses the Service in any capacity.

"Account" means a registered user profile created within the App for the purpose of accessing and using the Service.

"Offer" means a request initiated within the App by one User to another User proposing the placement or verification of an Authorization Hold in connection with a potential transaction or agreement.

"Agreement" means the state created when an Offer has been accepted within the App, triggering the authorization process and establishing an active arrangement between Users as recognized by the Service.

"Hold" or "Authorization Hold" means a temporary authorization of funds initiated through a third-party payment processor for the purpose of verifying that the agreed funds, and their existence, were available at the time of authorization. A Hold does not constitute a transfer, payment, or movement of funds and does not grant the Company custody, control, or ownership of such funds at any time.

"Hold Amount" means the specific dollar amount identified in an Offer or Agreement that is subject to an Authorization Hold, as distinguished from the Service Fee.

"Fee" or "Service Fee" means the charge imposed by the Company in connection with the use of the Service, including the facilitation of Authorization Holds. The Fee is non-refundable once an Authorization Hold has been successfully placed, except where required by applicable law.

"Payment Processor" means any third-party service provider engaged to facilitate financial authorization transactions, including but not limited to Stripe, Inc. The Payment Processor operates independently of the Company and is governed by its own terms, conditions, and policies.

"Transaction" means any exchange, agreement, or interaction between Users that occurs outside the scope of the App, including but not limited to the exchange of goods, services, or monetary consideration. The Company is not a party to any Transaction.

"Applicable Law" means all local, state, federal, and international laws, regulations, and legal requirements governing the use of the Service.

3. Eligibility and Account Requirements

To access and use the Service, you must meet the following eligibility requirements. By creating an Account or using the Service, you represent and warrant that:

You are at least eighteen (18) years of age, or the age of legal majority in your jurisdiction, whichever is greater;
You have the legal capacity to enter into a binding agreement;
You are not prohibited from using the Service under any Applicable Law;
All information you provide is accurate, complete, and kept up to date;
You are not subject to any sanctions, watchlists, or government restrictions that would prohibit your use of the Service or any payment processing functionality.

You are solely responsible for maintaining the confidentiality and security of your Account credentials, including your username and password. You agree to notify VeraHold immediately at support@verahold.com of any unauthorized use of your Account or any breach of security.

The Company reserves the right to approve, deny, suspend, restrict, or terminate any Account at any time, for any reason, including but not limited to suspected fraud, abuse, violation of these Terms, abnormal activity, or failure to comply with any requirement of the Service.

Usernames are permanent and cannot be changed after Account creation. Users are responsible for selecting an appropriate username. VeraHold reserves the right to reclaim or remove usernames that violate these Terms or applicable platform policies.

The Company may impose additional requirements, restrictions, or verification procedures at any time as part of its efforts to maintain the integrity and security of the Service. Access to certain features may be limited based on account history, usage patterns, system-defined thresholds, or other criteria determined by the Company.

4. Nature of the Service

VeraHold provides a technology platform designed to facilitate the temporary authorization of funds for the purpose of verifying the existence of available financial resources in connection with potential transactions between Users. The Service is intended solely as a verification platform designed to help Users verify that agreed funds are available and authorized through an Authorization Hold before deciding whether to proceed with a transaction and does not function as a payment processor, escrow service, financial institution, money transmitter, broker, intermediary, or fiduciary in any capacity.

All financial authorization activities conducted through the Service are performed by third-party payment processors, including Stripe, Inc. The Company does not receive, possess, store, take custody of, or transfer the principal Hold Amount between Users. Authorization processing, Service Fee capture, and release of the remaining authorization are performed through the Payment Processor and the applicable card issuer. Any Authorization Hold placed through the Service is initiated and managed by the Payment Processor in accordance with its own terms, policies, and technical processes.

A Hold represents a temporary authorization of funds and does not constitute a transfer, payment, capture, or guarantee of funds. The existence of a Hold at any given time indicates only that the agreed funds were available and successfully authorized at the time the Hold was placed. A Hold does not guarantee future availability of funds, accessibility, or sufficiency of such funds at any later time, completion of a transaction, performance by any User, or any particular outcome.

The Company does not participate in, control, enforce, or guarantee any Transaction between Users. All Transactions occur outside the scope of the Service and are conducted entirely at the discretion and risk of the Users involved. The Company does not verify the identity, honesty, reliability, legitimacy, intentions, reputation, or performance of any User beyond the limited functionality provided by the Service.

The Service may utilize automated systems, including background tasks, system-triggered events, and time-based processes, to manage the lifecycle of Offers, Agreements, and authorization-related actions. Such processes may include the automatic expiration of Offers, enforcement of Agreement durations, initiation or release of Authorization Holds, and capture of applicable Service Fees. The Company makes no guarantee that any automated process will occur at an exact time or without error.

The Company reserves the right to modify, expand, limit, or discontinue any aspect of the Service at any time, including features, functionality, automation processes, usage limits, pricing, or integration with third-party services.

VeraHold is designed to help Users verify funds while maintaining control of their money during the verification process. VeraHold does not transfer funds between Users and is not a party to any transaction conducted outside the Service.

5. Offers and Agreements

Users may create Offers within the App proposing the placement of an Authorization Hold in connection with a potential transaction. Offers may be created by either the party placing the hold ("Payer") or the party requesting that a hold be placed ("Payee"), as designated within the App.

Offers are currently subject to the following operational parameters:

Hold Amounts are currently limited to between $25.00 and $950.00 in whole dollar increments.
Offers currently expire automatically two (2) hours after creation if not accepted by the receiving User. No Service Fee is charged for expired unaccepted Offers.
Users are currently limited to a maximum of five (5) combined pending Offers and active Agreements at any time. This limit is subject to change at the Company's discretion.
Offers may be canceled by the sender or declined by the receiver prior to acceptance.

Upon acceptance of an Offer, an Agreement is formed within the Service, and the applicable Authorization Hold process is initiated through the Payment Processor. Agreement durations are selected at the time of Offer creation and may range from two (2) hours to four (4) days, subject to the options available within the App.

Active Agreements cannot be canceled. An Agreement concludes only upon mutual confirmation through the Check-In process or upon automatic expiration at the end of the Agreement duration. Agreements may include a Check-In and Confirm Check-In process. Check-In allows a User to indicate that they have arrived at the agreed location, while Confirm Check-In allows the other User to verify that both parties were present. These features are intended solely to create a record of participation within the Service and do not verify the quality, condition, legality, completion, or outcome of any transaction. VeraHold does not adjudicate disputes between Users regarding the outcome of any Transaction. An Agreement will automatically expire if the parties are unable to successfully complete the Check-In and Confirm Check-In process after five (5) attempts.

All operational parameters described in this Section, including but not limited to minimum and maximum Hold Amounts, Offer expiration periods, maximum concurrent Offers and Agreements, Agreement duration options, and any other limits or thresholds governing the use of the Service, are subject to change at any time, with or without prior notice, at the sole discretion of the Company. Such changes may be made in response to user feedback, operational needs, legal or regulatory requirements, fraud patterns, or business considerations. Continued use of the Service following any such change constitutes your acceptance of the updated parameters.

6. Fees and Billing

The following Service Fee structure applies to all completed or expired Agreements where an Authorization Hold was successfully placed:

Hold Amounts of $25.00 to $50.00: flat Service Fee of $2.00.
Hold Amounts greater than $50.00: Service Fee of four percent (4%) of the Hold Amount, with a maximum Service Fee of $38.00.

The Service Fee is captured from the Payer's payment method upon Agreement completion or expiration. Only the Service Fee is ever captured — the Hold Amount itself is never captured by VeraHold. The Hold Amount is released by the Payment Processor upon Agreement completion or expiration.

Service Fees are non-refundable once an Authorization Hold has been successfully placed, except where required by applicable law. If an Authorization Hold fails and no Agreement is formed, no Service Fee is charged. Service Fees may apply to the use of VeraHold and authorization-related features of the Service.

Applicable Service Fees will be disclosed to Users before an Offer is created, accepted, authorized, or otherwise processed through the Service.

By proceeding with an Offer, Agreement, Authorization Hold, or other applicable Service feature, you authorize the Company and its Payment Processor to charge the disclosed Service Fee.

The Company reserves the right to modify the Fee structure at any time upon reasonable notice to Users. Continued use of the Service following a Fee change constitutes acceptance of the updated Fee structure.

All payment processing, including Authorization Holds and Service Fee capture, is performed by Stripe, Inc. By using the Service, you also agree to Stripe's terms of service and privacy policy, available at stripe.com.

7. User Conduct and Prohibited Uses

By accessing or using the Service, you agree that you are solely responsible for your conduct, decisions, and interactions both within the Service and in connection with any Offer, Agreement, or Transaction. You agree not to use the Service for any of the following purposes:

Fraud, scams, deception, or any unlawful purpose;
Creating fake Accounts or impersonating any person or entity;
Initiating Offers or Agreements with no genuine intent to complete a Transaction;
Manipulating or attempting to manipulate the Authorization Hold process for personal gain;
Circumventing, disabling, or interfering with security features of the Service;
Using the Service for any transaction involving illegal goods, illegal services, prohibited activities, or any activity that violates Applicable Law;
Harvesting, scraping, or collecting data from the Service without express written permission;
Transmitting any malicious code, viruses, or harmful content through the Service;
Engaging in any activity that disrupts or impairs the proper functioning of the Service;
Attempting to gain unauthorized access to any Account, system, or network connected to the Service;
Creating Offers or Agreements for the purpose of testing, abusing, or artificially manipulating user metrics, account standing, reputation systems, or future trust indicators.

The Company reserves the right to investigate suspected violations and to take appropriate action, including without limitation suspension or termination of Accounts, reporting to law enforcement, and seeking legal remedies

8. Payment Methods and Card Requirements

Fraud, scams, deception, or any unlawful purpose;
Creating fake Accounts or impersonating any person or entity;
Initiating Offers or Agreements with no genuine intent to complete a Transaction;
Manipulating or attempting to manipulate the Authorization Hold process for personal gain;
Circumventing, disabling, or interfering with security features of the Service;
Using the Service for any transaction involving illegal goods, illegal services, prohibited activities, or any activity that violates Applicable Law;
Harvesting, scraping, or collecting data from the Service without express written permission;
Transmitting any malicious code, viruses, or harmful content through the Service;
Engaging in any activity that disrupts or impairs the proper functioning of the Service;
Attempting to gain unauthorized access to any Account, system, or network connected to the Service;
Creating Offers or Agreements for the purpose of testing, abusing, or artificially manipulating user metrics, account standing, reputation systems, or future trust indicators.

9. Account Deletion and Data Retention

Users may request deletion of their Account through the Account settings within the App. Upon Account deletion:

The Account status is set to "deleted" and the User is permanently blocked from logging in with those credentials.
All User data, including but not limited to offer history, agreement history, transaction records, payment-related records, system logs, and support records, may be retained by VeraHold for legal, compliance, fraud prevention, dispute resolution, security, business continuity, and regulatory purposes.
Account deletion is not currently permitted while the User has pending Offers, active Agreements, unresolved disputes, outstanding obligations, or other conditions identified by the Service. These requirements may be modified by the Company as the Service evolves.
Account deletion is permanent and irreversible. Deleted Accounts cannot be restored. Account deletion removes access to the Service but does not necessarily result in the deletion of records associated with the Account. Certain records may be retained as described in these Terms and the Privacy Policy.

VeraHold retains User data in accordance with its Privacy Policy and applicable law. Data retention serves legitimate purposes including dispute resolution, fraud prevention, legal compliance, and regulatory recordkeeping.

10. Intellectual Property

All content, features, functionality, design, trademarks, logos, service marks, and trade names associated with the Service, including but not limited to the VeraHold name, VH mark, shield logo, and VH monogram, are owned by or licensed to VeraHold LLC and are protected by applicable intellectual property laws. This protection applies regardless of whether such content was created internally, commissioned, licensed, generated through automated systems, or otherwise developed on behalf of VeraHold.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Service for personal, non-commercial purposes in accordance with these Terms. This license does not include the right to reproduce, distribute, modify, create derivative works of, publicly display, or otherwise exploit any content or materials from the Service without the prior written consent of VeraHold.

You retain ownership of any content you submit through the Service, but by submitting such content you grant VeraHold a worldwide, royalty-free, non-exclusive license to use, store, and process such content solely for the purpose of providing and improving the Service.

11. Third-Party Services and Links

The Service integrates with or may link to third-party services, including but not limited to Stripe for payment processing and Resend for transactional email delivery. These third-party services are governed by their own terms of service and privacy policies. VeraHold is not responsible for the practices, content, availability, performance, accuracy, security, policies, actions, omissions, outages, or business decisions of any third-party service provider.

Your use of third-party services in connection with VeraHold is at your own risk. VeraHold makes no representations or warranties regarding any third-party service, including without limitation availability, accuracy, security, or fitness for a particular purpose.

The Company may add, remove, replace, or modify third-party service providers at any time without liability to Users.

12. Disclaimers and Limitation of Liability

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR UNINTERRUPTED OR ERROR-FREE OPERATION. VERAHOLD DOES NOT WARRANT THAT THE SERVICE WILL MEET YOUR REQUIREMENTS OR THAT ANY ERRORS WILL BE CORRECTED.

VERAHOLD DOES NOT VERIFY OR GUARANTEE TRANSACTION OUTCOMES, USER IDENTITY, USER HONESTY, DELIVERY OF GOODS OR SERVICES, SCAM PREVENTION, LEGITIMACY, REPUTATION, INTENTIONS, SUITABILITY OF ANY USER, OR THE SAFETY OF ANY INTERACTION BETWEEN USERS. VERAHOLD DOES NOT GUARANTEE THE QUALITY, CONDITION, VALUE, LEGALITY, PERFORMANCE, OR COMPLETION OF ANY GOODS, SERVICES, PROPERTY, OR TRANSACTION. VERIFICATION THROUGH VERAHOLD CONFIRMS ONLY THAT AN AUTHORIZATION HOLD WAS PLACED IN ACCORDANCE WITH THE SERVICE'S DISCLOSED FUNCTIONALITY AT THE TIME OF AUTHORIZATION.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, VERAHOLD LLC, ITS MEMBERS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL, BUSINESS INTERRUPTION, OR ANY OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICE.

IN NO EVENT SHALL VERAHOLD'S TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE EXCEED THE GREATER OF (A) THE TOTAL AMOUNT OF SERVICE FEES PAID BY YOU TO VERAHOLD IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100.00).

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL DAMAGES. IN SUCH JURISDICTIONS, VERAHOLD'S LIABILITY IS LIMITED TO THE FULLEST EXTENT PERMITTED BY LAW.

NOTHING IN THIS SECTION 12 IS INTENDED TO LIMIT OR EXCLUDE VERAHOLD'S LIABILITY FOR (A) VERAHOLD'S OWN GROSS NEGLIGENCE, WILLFUL MISCONDUCT, OR FRAUD, OR (B) ANY LIABILITY THAT CANNOT BE LIMITED OR EXCLUDED UNDER APPLICABLE LAW. IF ANY PROVISION OF THIS SECTION 12 IS FOUND UNENFORCEABLE AS APPLIED TO SUCH LIABILITY, THAT PROVISION WILL BE MODIFIED TO THE MINIMUM EXTENT NECESSARY TO COMPLY WITH APPLICABLE LAW, AND THE REMAINDER OF THIS SECTION 12 WILL REMAIN IN FULL FORCE AND EFFECT.

13. Indemnification

You agree to indemnify, defend, and hold harmless VeraHold LLC and its members, officers, employees, agents, affiliates, successors, and assigns from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any Applicable Law; (d) your violation of any rights of another party; or (e) any Offer, Agreement, Transaction, meeting, interaction, or activity you engage in through or in connection with or as a result of using the Service.

VeraHold reserves the right to assume exclusive control of the defense of any matter subject to indemnification by you, at your expense. You agree to cooperate fully with VeraHold in connection with any such defense.

14. User Responsibility for Counterparty Evaluation

VeraHold verifies that agreed funds were available and that an Authorization Hold can be placed on a User's payment method at the time of Offer acceptance. VeraHold does not verify, investigate, endorse, certify, guarantee, or make any representations regarding the identity, trustworthiness, honesty, reputation, legitimacy, intentions, qualifications, suitability, or performance of any User.

YOU ARE SOLELY RESPONSIBLE FOR EVALUATING THE IDENTITY, TRUSTWORTHINESS, LEGITIMACY, AND SUITABILITY OF ANY PERSON YOU CHOOSE TO INTERACT OR TRANSACT WITH THROUGH OR IN CONNECTION WITH THE SERVICE. THE PLACEMENT OF AN AUTHORIZATION HOLD THROUGH VERAHOLD DOES NOT CONSTITUTE A VERIFICATION, ENDORSEMENT, OR GUARANTEE OF ANY USER OR THE TRANSACTION ASSOCIATED WITH THAT USER.

VeraHold verifies funds. Users verify people. VeraHold does not verify identity, honesty, legitimacy, intentions, reputation, qualifications, or transaction quality. Users remain solely responsible for evaluating the individuals with whom they choose to interact and transact. Users are also solely responsible for evaluating any goods, services, property, opportunities, or other transactions associated with another User. No technology platform can substitute for your own independent judgment and due diligence. You assume all risk associated with your decision to transact with any other User.

15. Dispute Resolution and Governing Law

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

Any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall first be attempted to be resolved through good-faith negotiation between the parties. If such negotiation fails, disputes shall be resolved through binding arbitration administered in accordance with the Consumer Arbitration Rules of the American Arbitration Association (AAA), unless both parties mutually agree otherwise. Any in-person arbitration hearing will be held in the federal judicial district of your residence unless you and VeraHold agree otherwise. Hearings may be conducted by telephone, videoconference, or on the basis of documents where permitted under the applicable AAA rules.

Arbitration Costs. Filing fees and arbitration costs shall be allocated in accordance with the AAA Consumer Arbitration Rules in effect at the time of the dispute. Each party shall bear its own attorneys' fees and costs, except that the arbitrator may award reasonable attorneys' fees and costs to the prevailing party if the arbitrator determines that a claim or defense was frivolous, brought in bad faith, or for an improper purpose.

To the fullest extent permitted by law, arbitration shall be conducted on an individual basis and not as a class, consolidated, collective, representative, or mass arbitration proceeding. To the extent any applicable law limits the arbitration costs that may be imposed on a consumer, cost allocation shall be adjusted to the minimum extent necessary to comply with such law.

Opt-Out Right. You may opt out of this agreement to arbitrate by sending written notice to support@verahold.com within thirty (30) days after first accepting these Terms, stating your name, the email address associated with your Account, and a clear statement that you wish to opt out of arbitration. If you opt out, disputes between you and VeraHold will be resolved in a court of competent jurisdiction rather than through arbitration, and the other provisions of this Section 15 will otherwise continue to apply to the extent enforceable. If VeraHold materially amends this arbitration provision, you may opt out of the amended provision by following the same process within thirty (30) days after the amended Terms take effect.

YOU AND VERAHOLD AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. NO ARBITRATION OR PROCEEDING SHALL BE JOINED WITH ANOTHER WITHOUT THE PRIOR WRITTEN CONSENT OF ALL PARTIES.

Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent irreparable harm, protect intellectual property, or enforce these Terms pending arbitration.

Notwithstanding the agreement to arbitrate in this Section 15, either party may bring an individual claim in small claims court for disputes that qualify for that court's jurisdiction, in lieu of arbitration, so long as the claim remains in small claims court and is not removed or appealed to a court of general jurisdiction.

16. Termination

VeraHold may suspend or terminate your access to the Service at any time, with or without notice where permitted by law, for any reason, including but not limited to violation of these Terms, suspected fraud, inactivity, or discontinuation of the Service. Where notice is required by applicable law, we will provide it. The Company may suspend specific features, functionality, integrations, payment methods, verification methods, or portions of the Service without terminating an entire Account.

Upon termination, your right to use the Service ceases immediately. Provisions of these Terms that by their nature should survive termination shall survive, including without limitation Sections 6, 9, 10, 12, 13, 14, 15, and 18.

You may terminate your Account at any time through the Account deletion feature within the App, subject to the conditions outlined in Section 9. Termination or deletion of an Account does not require the deletion of records retained pursuant to these Terms, the Privacy Policy, legal obligations, fraud prevention requirements, dispute resolution needs, or regulatory requirements.

VeraHold reserves the right to suspend, discontinue, modify, or permanently terminate all or part of the Service at any time.

17. Modifications to These Terms

We may modify these Terms at any time. Such modifications may result from operational changes, feature updates, legal requirements, regulatory requirements, security considerations, fraud prevention efforts, business decisions, or other reasons determined by the Company. We will provide notice of material changes where required by applicable law, which may include posting an updated version within the App, sending an email to the address associated with your Account, or displaying a notice upon login. For non-material changes, we may update these Terms without prior notice.

Your continued use of the Service after any modification to these Terms constitutes your acceptance of the updated Terms. If you do not agree to the updated Terms, you must discontinue use of the Service and may delete your Account in accordance with Section 9.

The Last Updated date at the top of these Terms reflects the most recent revision. We encourage you to review these Terms periodically.

18. Miscellaneous

Entire Agreement. These Terms, together with the Privacy Policy and any other policies incorporated herein by reference, constitute the entire agreement between you and VeraHold regarding the Service and supersede all prior agreements, representations, and understandings.

Severability. If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect, and the invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable.

Waiver. Failure by VeraHold to enforce any provision of these Terms shall not constitute a waiver of VeraHold's right to enforce such provision in the future.

Assignment. You may not assign or transfer your rights or obligations under these Terms without VeraHold's prior written consent. VeraHold may assign these Terms or any rights hereunder without restriction.

Force Majeure. VeraHold shall not be liable for any failure or delay in performance resulting from causes beyond its reasonable control, including but not limited to acts of God, natural disasters, internet or infrastructure outages, government actions, or failures of third-party services.

Notices. VeraHold may provide notices to you through in-app notifications, email to the address associated with your Account, or posting on verahold.com, or through other reasonable electronic means. Notices to VeraHold should be directed to support@verahold.com.

Electronic Communications. By creating an Account and using the Service, you consent to receive electronic communications from VeraHold, including notices, disclosures, agreements, updates, and other communications related to the Service. You agree that such electronic communications satisfy any legal requirement that communications be in writing.

No Agency. Nothing in these Terms creates a partnership, joint venture, employment, agency, or franchise relationship between you and VeraHold.

19. Contact Information

For questions about these Terms of Service, please contact:

VeraHold LLC

An Ohio Limited Liability Company

1944 Convoy Heller Rd.

Convoy, OH 45832

Email: support@verahold.com

Website: verahold.com

VeraHold LLC — Terms of Service