Terms and Conditions

Last updated: 6 September 2026

These Terms and Conditions ("Terms") govern access to and use of the Velquro platform, available at https://velquro.co.uk (the "Platform" or "Service"), provided by Velquro ("Velquro", "we", "us", "our"). By creating an account, purchasing a plan, or otherwise using the Service, you ("Customer", "you", "your") agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use the Service.

Definitions

In these Terms, the following capitalized terms have the meanings set out below, in addition to any terms defined elsewhere in these Terms:

"Customer Data" means any data, records, or content input into the Platform by the Customer or its authorized users, including customer and lead records, project and task information, HR and employee records, invoices, and other financial data.

"Package" means the specific tier of features and usage limits selected and purchased by a Customer, as described on the Velquro pricing page at the time of purchase.

"Platform" or "Service" means the Velquro website and the web-based business management software made available by Velquro, including its CRM, project management, HR administration, and financial record-keeping modules, together with any related documentation, updates, and support.

"Authorized User" means any individual, such as an employee or contractor of the Customer, whom the Customer permits to access and use the Service under its account, subject to any usage limits associated with the Customer's Package.

"Stripe" means Stripe, Inc. and its applicable affiliates, the third-party payment processor used by Velquro to process payments for the Service.

"Refund Policy" means Velquro's published policy describing the process, timeframe, and eligibility criteria applicable to refund requests, including under the 14-day money-back guarantee described in Section 6.

"Privacy Policy" means Velquro's published policy describing how personal data is collected, used, stored, and protected in connection with the Service.

References to "writing" or "written" include email, unless otherwise specified. References to a "party" or "parties" refer to Velquro and the Customer, individually or collectively, as context requires.

1. Introduction and Acceptance of Terms

These Terms and Conditions ("Terms") govern access to and use of the Velquro website, the Velquro web-based business management platform, and all related features, tools, and services (together, the "Platform" or the "Service"), provided by Velquro ("Velquro," "we," "us," or "our"). The Service is designed for small businesses, freelancers, consultants, agencies, and other service-based businesses, and combines customer relationship management (CRM), project management, HR administration, and financial record-keeping tools within a single online dashboard.

By accessing the Velquro website, creating an account, purchasing a package, or otherwise using the Service in any way, you ("you," "your," "Customer," or "User") confirm that you have read, understood, and agree to be bound by these Terms, together with our Privacy Policy and our Refund Policy, each of which is incorporated into these Terms by reference. If you do not agree to these Terms in full, you must not access or use the Service.

If you are entering into these Terms on behalf of a company, partnership, sole proprietorship, or other entity, you represent and warrant that you have the authority to bind that entity to these Terms, in which case "you" and "Customer" refer to that entity. If you do not have such authority, you must not accept these Terms or use the Service on that entity's behalf.

We may update or amend these Terms from time to time, as described in Section 18 (Changes to These Terms) below. Your continued use of the Service after any such changes take effect constitutes your acceptance of the revised Terms.

2. Description of the Service

Velquro provides web-based business management software as a service (SaaS). The Platform combines the following functional areas within a single online dashboard:

(a) Customer relationship management (CRM) tools, allowing Customers to manage customer records, track leads and sales pipelines, and record follow-ups and customer history;

(b) Project management tools, allowing Customers to organize projects, tasks, deadlines, and team assignments;

(c) HR administration tools, allowing Customers to maintain employee records, manage leave requests and balances, administer onboarding, and store employee documents; and

(d) Financial record-keeping tools, allowing Customers to create invoices, record income and expenses, monitor payment status, and generate business reports.

The specific features, functionality, and usage limits made available to a Customer depend on the package purchased by that Customer, as described further in Section 5 (Packages, Pricing, and Payment) below. Velquro reserves the right to modify, add to, remove, or otherwise change the features, functionality, and usage limits associated with the Service or any package, from time to time, in accordance with Section 18 below, provided that such changes will not materially reduce the core functionality available to a Customer for the package they have already purchased without reasonable notice.

The Service is provided on an "as available" basis, subject to the disclaimers and limitations set out in Sections 12 and 13 below.

3. Nature of Velquro as a Software Provider

Velquro is a software provider only. It is important that Customers understand the precise scope of the Service and the boundaries of Velquro's role, as set out in this Section.

(a) No handling of third-party funds. Velquro does not hold or transmit funds on behalf of any Customer or any third party. Velquro is not a payment processor, money transmitter, or money services business. Any payments made by a Customer's own clients or customers to that Customer occur entirely outside of, and independently from, the Platform. Velquro's use of Stripe as a payment processor relates solely to the processing of a Customer's own one-off payment for access to the Service, as described in Section 5 below.

(b) No payroll or employer-of-record services. Velquro does not process payroll on behalf of any Customer and does not act as a payroll provider, professional employer organization, or employer-of-record. The HR administration tools within the Platform are administrative record-keeping and organizational tools only. Any payroll processing, tax withholding, statutory filings, or other employer obligations associated with a Customer's own employees or contractors remain the sole responsibility of that Customer.

(c) No accounting, tax, financial, investment, or legal advice. Velquro does not provide accounting, tax, financial, investment, or legal advice of any kind, whether through the Platform, through customer support channels, through this document, or otherwise. The financial record-keeping tools within the Platform are provided to help Customers organize and track information that they themselves enter; they are not, and must not be relied upon as, a substitute for advice from a qualified accountant, tax advisor, financial advisor, or lawyer.

(d) No tax filing services. Velquro does not prepare or file tax returns on behalf of any Customer.

(e) No regulated financial services. Velquro does not provide any regulated financial services, and is not a bank, licensed money services business, investment platform, insurance provider, or other regulated financial institution.

(f) Responsibility for information entered into the Platform. All customer, project, HR, and financial information entered into the Platform is entered and maintained by the Customer (or its authorized users) for the Customer's own business purposes. The Customer is solely responsible for the accuracy, completeness, lawfulness, and appropriate use of all such information, and for ensuring the Customer's own compliance with all applicable laws, regulations, and professional obligations relevant to its business, including but not limited to employment law, payroll and tax obligations, data protection law, and financial reporting requirements.

Nothing in the Service, in any output generated by the Service (including reports), or in any communication from Velquro or its personnel, should be construed as advice of the kind described in this Section, and Velquro accepts no responsibility for decisions made by a Customer in reliance on the Service in place of appropriate professional advice.

(g) Reports and outputs. Any report, summary, or figure generated by the Platform (including financial reports drawn from Customer-entered income, expense, and invoice data) is produced solely from the information the Customer has input, and its accuracy therefore depends entirely on the completeness and correctness of that underlying data. Velquro does not independently verify, audit, or certify the accuracy of Customer Data, and does not warrant that any such report is suitable for regulatory, tax, lending, or other formal purposes without independent professional review.

(h) Customer's own regulatory obligations. Where a Customer's business is itself subject to sector-specific regulation (for example, obligations relating to data protection, employment standards, consumer protection, or financial reporting applicable to the Customer's own business), the Customer remains solely responsible for identifying and complying with those obligations. Velquro's role is limited to providing the software tools described in Section 2, and the existence of a relevant feature within the Platform (such as an HR record or an invoice template) does not, by itself, constitute a representation by Velquro that use of that feature satisfies any particular legal or regulatory requirement applicable to the Customer.

4. Eligibility and Account Registration

To use the Service, you must be at least eighteen (18) years of age (or the age of legal majority in your jurisdiction, if higher) and capable of forming a legally binding contract. By using the Service, you represent and warrant that you meet these requirements. To access most features of the Service, you will need to register for an account. When registering, you agree to provide accurate, current, and complete information, and to keep such information up to date. You are responsible for maintaining the confidentiality of your account credentials, including your password, and for all activity that occurs under your account, whether or not you authorized that activity. You agree to notify Velquro promptly if you become aware of any unauthorized use of your account or any other breach of security.

Where a Customer's account permits multiple users (for example, employees or contractors added to the account under a given package), the Customer is responsible for ensuring that each such user complies with these Terms, and the Customer remains responsible for all acts and omissions of its authorized users in connection with the Service. Velquro is not responsible for disputes between a Customer and its own authorized users regarding access to, or use of, the Customer's account.

Velquro reserves the right to refuse registration, or to suspend or terminate an existing account, in accordance with Section 15 (Suspension and Termination) below.

5. Packages, Pricing, and Payment

(a) One-off payment model. Access to the Platform is provided through a one-off payment, rather than a recurring subscription fee for core access. The specific features and usage limits available to a Customer are determined by the package selected and purchased by that Customer at the time of purchase. Current packages, their associated features, usage limits, and prices are described on the Velquro pricing page, which forms part of these Terms by reference and which Velquro may update from time to time.

(b) Payment processing. All payments for Velquro packages are processed securely through Stripe, Inc. or its applicable affiliates ("Stripe"), a third-party payment processor. By making a purchase, you agree to Stripe's applicable terms of service and acknowledge that your payment card and related payment information will be processed by Stripe on Velquro's behalf. Velquro does not directly store your full payment card details.

(c) Price and package accuracy. Velquro takes reasonable steps to ensure that package descriptions, features, usage limits, and prices displayed on the website are accurate at the time of display. However, errors may occasionally occur. If a pricing or package error is identified, Velquro reserves the right to correct the error and, where a Customer has already completed a purchase affected by such an error, to offer the Customer the choice of paying any price difference, receiving a partial refund, or cancelling the purchase in accordance with Section 6 below.

(d) Taxes. Prices displayed may or may not include applicable taxes, duties, or similar governmental charges, as indicated at checkout. Where such taxes are not included, the Customer is responsible for payment of any applicable taxes associated with its purchase, except for taxes based on Velquro's own income.

(e) No automatic recurring billing for core access. Because the Service is provided on a one-off payment basis for core access to the selected package, Velquro will not automatically charge a Customer's payment method on a recurring basis for continued access to that package's core features, except where a Customer separately opts into any optional add-on, upgrade, or supplementary service that is expressly described as recurring at the time of purchase.

(f) Package upgrades. A Customer may elect to purchase an upgrade to a higher-tier package at any time. Any such upgrade will be treated as a separate one-off purchase, subject to these Terms and to whatever specific upgrade pricing is displayed at the time. (g) Failed or disputed payments. If a payment is declined, reversed, or successfully disputed (for example, through a chargeback initiated with the Customer's card issuer) other than as a result of a refund approved by Velquro under Section 6, Velquro reserves the right to suspend the Customer's access to the Service until the matter is resolved, and to charge a reasonable administrative fee to cover costs directly associated with the dispute, to the extent permitted by applicable law.

(h) Currency. Unless otherwise stated, prices are displayed in the currency shown at checkout, and any currency conversion applied by the Customer's card issuer or by Stripe is outside Velquro's control.

6. Refund Policy and Money-Back Guarantee

Velquro offers a 14-day money-back guarantee on eligible purchases, allowing Customers to request a refund within fourteen (14) days of the date of purchase if the Service does not meet their needs. This guarantee is subject to Velquro's published Refund Policy, which sets out in detail the process for requesting a refund, the timeframe for processing an approved refund, and any circumstances in which a purchase may not be eligible for a refund under the guarantee (for example, in cases of suspected abuse of the guarantee, or purchases excluded from the guarantee as specified in the Refund Policy). The Refund Policy is incorporated into these Terms by reference and should be read in conjunction with this Section.

To request a refund under the money-back guarantee, a Customer should contact Velquro through the channel specified in the Refund Policy within the applicable fourteen-day window, providing the information reasonably requested to verify and process the refund. Approved refunds will be issued to the original payment method via Stripe, within the timeframe specified in the Refund Policy.

Outside of the money-back guarantee period, and except as otherwise required by applicable consumer protection law, purchases are generally non-refundable, reflecting the one-off nature of the payment model. Nothing in this Section or in the Refund Policy is intended to limit any statutory right to a refund, replacement, or other remedy that a Customer may have under applicable consumer protection laws that cannot be excluded by agreement.

7. License to Use the Service

Subject to your compliance with these Terms and payment of all applicable fees, Velquro grants you a limited, non-exclusive, non-transferable, non-sublicensable license to access and use the Platform for your own internal business purposes, in accordance with the features and usage limits associated with your purchased package.

This license does not grant you any right to: (a) resell, rent, lease, sublicense, or otherwise make the Service available to any third party outside the scope of your own business's authorized users; (b) reverse engineer, decompile, or disassemble any part of the Platform, except to the extent such restriction is prohibited by applicable law; (c) copy, modify, or create derivative works based on the Platform; (d) remove, obscure, or alter any proprietary notices on the Platform; or (e) use the Service to build a competing product or service.

All rights not expressly granted to you under these Terms are reserved by Velquro.

8. Customer Data and Content

(a) Ownership. As between Velquro and the Customer, the Customer retains all right, title, and interest in and to the data, records, and content that the Customer or its authorized users input into the Platform, including customer records, project and task information, HR and employee records, and financial data (collectively, "Customer Data"). Velquro claims no ownership rights over Customer Data.

(b) License to Velquro. The Customer grants Velquro a limited license to host, store, process, and display Customer Data solely to the extent necessary to provide, maintain, and support the Service, to comply with applicable law, and as otherwise described in Velquro's Privacy Policy.

(c) Responsibility for Customer Data. The Customer is solely responsible for the accuracy, quality, legality, and appropriateness of all Customer Data entered into the Platform, including any personal data relating to the Customer's own employees, contractors, leads, or customers. The Customer represents and warrants that it has all necessary rights, consents, and legal bases required to input such data into the Platform and to permit its processing as described in these Terms and in the Privacy Policy.

(d) Data protection. Where Customer Data includes personal data subject to applicable data protection laws (such as employee or customer personal information), the parties' respective roles and responsibilities, and the safeguards applied to such data, are set out in Velquro's Privacy Policy and, where applicable, a separate data processing agreement. Customers using the Service to store personal data about third parties (such as their own employees or customers) are responsible for ensuring they have an appropriate lawful basis for doing so and for meeting their own obligations as a data controller under applicable law.

(e) Backups and export. While Velquro maintains reasonable backup and data protection practices as described in its Privacy Policy and related documentation, Customers are encouraged to periodically export or otherwise retain independent copies of critical Customer Data.

9. Acceptable Use

You agree not to use the Service to: (a) violate any applicable law or regulation; (b) infringe the intellectual property, privacy, or other rights of any third party; (c) upload or store any content that is unlawful, fraudulent, defamatory, or otherwise objectionable; (d) attempt to gain unauthorized access to the Platform, other Customers' accounts or data, or Velquro's underlying systems; (e) introduce any virus, malware, or other harmful code into the Platform; (f) use the Service to process, store, or transmit funds on behalf of third parties, to run payroll disbursements, or to provide services that would require Velquro or the Customer to hold a financial services or money transmission license, given that Velquro does not provide such services as described in Section 3; (g) misrepresent the source or ownership of any content submitted to the Platform; or (h) interfere with or disrupt the integrity or performance of the Service.

Velquro reserves the right to investigate suspected violations of this Section and to take appropriate action, including suspension or termination of the offending account in accordance with Section 15.

10. Intellectual Property

The Platform, including its software, design, text, graphics, logos, and other content (excluding Customer Data), is the property of Velquro or its licensors and is protected by applicable intellectual property laws. Except for the limited license granted under Section 7, nothing in these Terms transfers any intellectual property rights in the Platform to the Customer. "Velquro" and associated logos and marks are trademarks of Velquro. You may not use these marks without Velquro's prior written consent, except as reasonably necessary to identify that you are a Customer of the Service.

If you provide Velquro with feedback, suggestions, or ideas about the Service, you grant Velquro a perpetual, irrevocable, royalty-free license to use such feedback for any purpose, without any obligation to compensate you.

11. Third-Party Services

The Service relies on certain third-party service providers to operate, including but not limited to Stripe for payment processing. Your use of such third-party services in connection with the Platform may be subject to the applicable third party's own terms of service and privacy policy, which you should review separately. Velquro is not responsible for the acts, omissions, availability, or performance of third-party service providers, except to the extent required by applicable law.

Where the Service includes, or in the future includes, integrations with other third-party software or platforms, use of such integrations may be subject to additional terms presented to you at the time such integration is enabled.

12. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

Without limiting the foregoing, Velquro does not warrant that: (a) the Service will be uninterrupted, timely, secure, or error-free; (b) the results obtained from use of the Service will be accurate or reliable; (c) any errors in the Service will be corrected; or (d) the Service will meet the Customer's specific requirements.

As set out in Section 3, Velquro does not provide payroll, accounting, tax, financial, investment, or legal advice, and nothing in the Service or in any report or output generated by the Service constitutes such advice. Customers remain responsible for obtaining appropriate professional advice relevant to their business.

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you. In such cases, Velquro's warranties are limited to the minimum extent required by applicable law.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL VELQURO, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF, OR INABILITY TO USE, THE SERVICE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, EVEN IF VELQURO HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, VELQURO'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE TOTAL AMOUNT PAID BY THE CUSTOMER TO VELQURO FOR THE SERVICE IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

Nothing in these Terms is intended to exclude or limit any liability that cannot be excluded or limited as a matter of applicable law, including liability for death or personal injury caused by negligence, or liability for fraud or fraudulent misrepresentation.

The limitations in this Section reflect the allocation of risk between the parties and are a fundamental basis of the bargain between Velquro and the Customer.

14. Indemnification

You agree to indemnify, defend, and hold harmless Velquro and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with: (a) your use or misuse of the Service; (b) your violation of these Terms; (c) your violation of any applicable law or the rights of any third party; (d) any Customer Data submitted through your account; or (e) any dispute between you and your own employees, contractors, customers, or clients, including in connection with information entered into the Platform relating to such parties.

Velquro reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you agree to cooperate with Velquro's defense of such claim.

15. Suspension and Termination

(a) By the Customer. You may stop using the Service at any time. Because access is provided through a one-off payment rather than a recurring subscription, discontinuing use of the Service does not, on its own, entitle you to a refund outside of the money-back guarantee period described in Section 6.

(b) By Velquro. Velquro may suspend or terminate your access to the Service, in whole or in part, if: (i) you materially breach these Terms and fail to remedy such breach within a reasonable period after notice (where capable of remedy); (ii) your use of the Service poses a security risk to Velquro or other Customers; (iii) required to do so by law or by a competent authority; or (iv) Velquro reasonably believes suspension or termination is necessary to protect the Service, other Customers, or third parties.

(c) Effect of termination. Upon termination of your access to the Service, your right to use the Platform will immediately cease. Velquro will provide reasonable assistance, where feasible, to allow the Customer to export Customer Data for a limited period following termination, except where termination results from a serious breach or unlawful conduct on the part of the Customer. Sections of these Terms that by their nature should survive termination (including Sections 3, 8(a)-(c), 10, 12, 13, 14, and 17) shall survive.

16. Availability and Modifications to the Service

Velquro will use reasonable efforts to keep the Service available, but does not guarantee uninterrupted or error-free operation. The Service may be temporarily unavailable from time to time for scheduled maintenance, unscheduled emergency maintenance, or reasons outside Velquro's reasonable control (see Section 19, Force Majeure).

Velquro reserves the right to modify, enhance, or discontinue features of the Service from time to time, provided that Velquro will use reasonable efforts to give Customers advance notice of any change that materially reduces the core functionality associated with a previously purchased package.

17. Confidentiality

Each party agrees to protect the confidentiality of any non-public business, technical, or financial information disclosed by the other party in connection with these Terms ("Confidential Information") using at least the same degree of care it uses to protect its own confidential information of similar importance, and in no event less than a reasonable degree of care. Confidential Information does not include information that is or becomes publicly available through no fault of the receiving party, was already known to the receiving party without an obligation of confidentiality, or is independently developed by the receiving party without reference to the disclosing party's Confidential Information.

For the avoidance of doubt, Customer Data is treated as the Customer's Confidential Information for purposes of this Section, in addition to being subject to the terms of Section 8 and Velquro's Privacy Policy.

18. Changes to These Terms

Velquro may revise these Terms from time to time to reflect changes to the Service, legal or regulatory requirements, or business practices. Where changes are material, Velquro will use reasonable efforts to notify Customers in advance of the change taking effect, such as by email or a notice within the Platform. The "Last Updated" date at the top of these Terms indicates when they were most recently revised.

Your continued use of the Service after any revised Terms take effect constitutes acceptance of those revised Terms. If you do not agree to the revised Terms, you should stop using the Service and, where applicable, may be entitled to a refund only to the extent set out in the Refund Policy and Section 6 above.

19. General Provisions

(a) Entire agreement. These Terms, together with the Privacy Policy, the Refund Policy, and any other documents expressly incorporated by reference, constitute the entire agreement between you and Velquro regarding the Service, and supersede any prior agreements or understandings, whether written or oral, relating to the same subject matter.

(b) Severability. If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

(c) No waiver. Velquro's failure to enforce any right or provision of these Terms shall not be considered a waiver of such right or provision.

(d) Assignment. You may not assign or transfer these Terms, or any rights or obligations under them, without Velquro's prior written consent. Velquro may assign these Terms without restriction, including in connection with a merger, acquisition, or sale of assets.

(e) Force majeure. Neither party shall be liable for any failure or delay in performance under these Terms resulting from causes beyond its reasonable control, including natural disasters, acts of government, war, terrorism, labor disputes, or failures of third-party infrastructure or utilities.

(f) Relationship of the parties. Nothing in these Terms creates a partnership, joint venture, employment, or agency relationship between Velquro and the Customer. Velquro acts solely as an independent software provider, as described in Section 3.

(g) Notices. Notices to Velquro should be sent through the contact channel specified on the Velquro website. Notices to Customers may be sent to the email address associated with the Customer's account.

(h) Governing law and jurisdiction. These Terms shall be governed by the laws of England and Wales, without regard to its conflict of laws principles, and any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales, except where applicable consumer protection law grants the Customer the right to bring proceedings in another jurisdiction.

20. Contact Us

If you have questions about these Terms, the Service, a purchase, or a refund request, please contact Velquro through the contact details published on the Velquro website. We encourage Customers to also review our Privacy Policy and Refund Policy, which together with these Terms form the complete set of published terms governing use of the Service.