Terms of Service

By accessing or using Veran Finance (the "Site"), you agree to these Terms of Service. If you don't agree, please don't use the Site. Veran Finance is operated by Manel Vadillo, an individual resident of Andorra.

Educational content only

The Site provides general educational information about retirement planning, taxes, health coverage, and personal finance for self-employed individuals in the United States. Nothing on the Site is personalized financial, tax, legal, or investment advice. See our Financial Disclaimer for more detail.

No professional relationship

Using this Site does not create a financial advisor-client, accountant-client, or attorney-client relationship between you and Veran Finance or its authors.

Accuracy of information

We aim to keep content accurate and current, and we cite official sources wherever possible. Rules, limits, and rates referenced on the Site — including tax figures — can change, and errors are possible. Always confirm time-sensitive figures with the original source (such as IRS.gov or SSA.gov) before relying on them.

Intellectual property

Unless otherwise noted, the content on this Site — including text, graphics, and design — is owned by Veran Finance or its licensors and is protected by copyright. You may share links to our content and quote brief excerpts with attribution, but you may not republish, copy, or redistribute substantial portions of the Site without our written permission.

Third-party links and advertising

This Site may contain links to third-party websites, advertisements, and affiliate links. We don't control, and aren't responsible for, the content, accuracy, or practices of third-party sites. See our Affiliate Disclosure for how affiliate links work on this Site.

Disclaimer of warranties

This Site and its content are provided "as is," without warranties of any kind, express or implied, including — without limitation — warranties of accuracy, completeness, or fitness for a particular purpose.

Limitation of liability

To the fullest extent permitted by law, Veran Finance and its authors are not liable for any damages arising from your use of, or inability to use, the Site or reliance on its content.

Governing law

These Terms are governed by the laws of the Principality of Andorra, without regard to conflict-of-law principles.

Changes to these terms

We may update these Terms from time to time. Continued use of the Site after changes means you accept the updated Terms.

Contact

Questions about these Terms can be sent to contact@veranfinance.com.