Legal

1. Information we collect

• •Name and age you provide when creating your account
• •Email address (used for login and account security)
• •Language, general location, and time zone
• •Answers to the 6 onboarding questions and the financial goal you provide
• •Messages you send inside the app, including images you choose to share
• •Financial information you choose to share, such as income, debts, savings, expenses, financial goals, employment information, and similar details
• •Emotional and personal information you choose to share, including in the Support mode
• •Payment information processed by Google Play. Verona never stores card data
• •General usage data, such as frequency of use and activity times

2. How we use your information

• •To create and personalize your companions
• •To provide general educational financial and legal information through the companions
• •To improve financial, practical, and emotional responses over time
• •To process your subscription
• •To send you important notifications about your account
• •To protect the app from abuse, fraud, security risks, or misuse
• •Never to sell your information to third parties
• •Never to show you third-party advertising

Verona does not use your financial information to make lending, credit, insurance, employment, or eligibility decisions about you.

3. How we share your information

To operate the app, we share certain information with service providers that process it on our behalf:

• •Artificial intelligence: the content of your messages (including text and images you send) is processed by OpenAI to generate the companions' responses. When accessed through OpenAI's API, this content is not used to train OpenAI's models.
• •Conversation memory: your messages are stored in Pinecone to give your companions memory across conversations.
• •Account data: stored in Supabase.
• •Payments: processed by Google Play.
• •Hosting: our servers run on Railway (USA).

We share only what each provider needs to perform its function. We do not sell your information, and we do not share it for third-party advertising.

4. Sensitive and emotional information

Some of what you share may be sensitive, including financial details and personal or emotional information, especially in the Support mode. We use this information only to provide and improve the Verona experience inside the app. We do not sell it, we do not use it for advertising, and we do not use it to make any decision about your eligibility for financial, credit, insurance, employment, or similar services. The Support mode provides emotional support only; it is not therapy and the companions are not licensed professionals. If you're in crisis or thinking about harming yourself, call or text 988 (Suicide & Crisis Lifeline, 24/7, with Spanish-speaking support).

5. Financial data protection and retention

Financial information can be sensitive. This includes information such as income, debts, savings, expenses, employment details, and financial goals. We use this information only to provide and improve the Verona experience inside the app.

We retain financial data only while your account is active or as long as needed to provide the service, protect the app, comply with legal obligations, or resolve disputes.

You can cancel your subscription at any time from within the app; this stops future renewals and billing, and you keep access until the end of your paid period. If you want us to delete your personal data, messages, memory, and financial data, you can request it by writing to info@veronadviser.com. Upon a valid deletion request, we delete this data from active systems. Some backup copies may remain for a limited period as part of normal provider backup cycles, but they are deleted or overwritten according to those cycles, normally within 30 days, unless we are legally required to keep limited records for security, fraud prevention, billing, or legal compliance.

6. Where we store your information

• •Messages and memory: Pinecone
• •Account data and state: Supabase
• •AI processing: OpenAI
• •Payments: Google Play
• •Servers: Railway, USA

We use reasonable technical and organizational safeguards to protect your information, including secure cloud infrastructure and encryption where supported by our providers. No online service can guarantee absolute security, but we work to protect your information from unauthorized access, loss, misuse, or disclosure.

7. Your rights

You can:

• •Request a copy of the information we have about you
• •Ask us to delete your account and your data
• •Correct information that is inaccurate
• •Ask questions about how your information is used
• •Exercise these rights by writing to info@veronadviser.com

8. California privacy rights

If you are a California resident, you may have rights under the California Consumer Privacy Act (CCPA), including:

• •The right to know what personal information we collect, use, disclose, or share
• •The right to request deletion of personal information, subject to legal exceptions
• •The right to correct inaccurate personal information
• •The right not to be discriminated against for exercising your privacy rights

Verona does not sell your personal information and does not show third-party advertising. To exercise California privacy rights, contact us at info@veronadviser.com · (407) 243-8652.

9. Minors

Verona is strictly for people 18 years of age or older. Minors are not allowed to create an account or use the app. We do not knowingly collect information from minors. If we detect that an account belongs to a minor, we will delete the account immediately, including the minor's personal data, messages, and memory.

10. Changes to this policy

If we make important changes to this policy, we will notify you inside the app at least 15 days in advance.

11. Contact

info@veronadviser.com · (407) 243-8652

1. What is Verona

Verona is a social companionship app with financial intelligence. Verona's companions are artificial intelligence characters. They are not real people, certified financial advisors, attorneys, psychologists, therapists, doctors, or emergency service providers.

The financial and legal information provided by the companions is educational and general. It is not personalized financial, investment, tax, legal, medical, or mental health advice. For important decisions, you should consult a qualified professional.

2. Your account

• •You must be 18 or older to use Verona
• •You must be located in the United States to use Verona
• •You are responsible for keeping your password secure
• •You cannot share your account with other people
• •One account per person

If we learn that a user is under 18, we may delete the account immediately, including all related data.

3. Language settings

You can change the app's language and your companions' language from the group renewal screen. The change applies when you confirm it in the app.

4. Subscription and payments

• •The free trial is 3 days or 30 credits, whichever comes first. During the trial you can chat with the companions normally; each message uses credits (1 for a normal or support message, 3 for a finance or legal message).
• •After the trial, the subscription is $20/month, which includes 450 monthly credits. Sending messages consumes credits. Unused credits roll over when you renew.
• •If you run out of credits, you can purchase additional credit packages from within the app.
• •You can cancel at any time from the app or through the platform where you subscribed. Canceling stops future renewals; you keep access until the end of your paid period.
• •There are no refunds for partial periods already charged, except where required by law or by the rules of the platform that processed the purchase
• •Prices may change with 30 days' prior notice

If you subscribe through Google Play, your purchase, cancellation, and refund rights may also be governed by Google Play policies. You may request refunds directly from Google Play according to their rules. Verona does not control whether Google Play approves a refund request.

5. Acceptable use

It is prohibited to use Verona to:

• •Attempt to manipulate or trick the companions to obtain harmful information
• •Use the app for illegal activities
• •Attempt to access other users' systems, accounts, or data
• •Resell or redistribute the service
• •Create multiple accounts to abuse the free preview
• •Upload or send content that is illegal, abusive, exploitative, or harmful
• •Interfere with the security, operation, or normal use of the app

Verona is designed for companionship and general education. It should not be used as a substitute for professional financial, legal, medical, or mental health help, or as your only source of emotional support.

6. Intellectual property

All Verona content (including characters, prompts, design, app structure, branding, and technology) is the property of Verona or its licensors. You may not copy, reproduce, distribute, resell, or create derivative products from any element of the app without written permission.

7. Mental Health and Wellbeing

Verona's companions are not therapists, psychologists, counselors, doctors, or mental health professionals. Verona is not a mental health service and is not a substitute for professional help.

The app may provide emotional support, conversation, companionship, and general wellbeing information, but it should not be used as your only source of emotional support.

If you are in crisis, thinking about harming yourself or someone else, or believe you may be in immediate danger, do not rely on Verona. Call emergency services immediately. In the United States, you can call or text 988 to reach the 988 Suicide & Crisis Lifeline, available 24/7, with Spanish-speaking support.

8. Limitation of liability

Verona is not responsible for financial, employment, legal, medical, mental health, or personal decisions you make based on conversations with the companions. The app is a companionship and education tool, not a certified professional service.

To the fullest extent allowed by law, Verona is not liable for indirect, incidental, special, consequential, or punitive damages arising from your use of the app.

9. Arbitration and Dispute Resolution

Any dispute, claim, or controversy between you and Verona related to the app, these terms, your account, or your subscription will be resolved through binding individual arbitration, to the fullest extent allowed by law.

The arbitration will be individual only. You and Verona agree not to bring or participate in any class action, class arbitration, representative action, or collective proceeding.

The arbitration will take place in Florida, USA, unless both sides agree to another location or remote proceedings. Florida law will apply, except where federal law requires otherwise.

10. Termination

We may suspend or delete your account if you violate these terms, abuse the service, create security risks, or use the app in a prohibited way.

You can cancel your subscription at any time from the app's settings; this stops future renewals and you keep access until the end of your paid period. If you want us to delete your personal data, messages, memory, and financial data, you can request it by writing to info@veronadviser.com.

11. Governing law

These terms are governed by the laws of the state of Florida, USA.

12. Changes to these terms

If we make important changes to these terms, we will notify you inside the app at least 15 days in advance.

13. Legal Disclaimer

The financial and legal information provided by Verona's AI companions is educational and general. It is not personalized financial, investment, tax, legal, medical, or mental health advice. Nothing in the app should be treated as a professional recommendation or as a substitute for advice from a certified professional. For important decisions, consult a qualified professional.

14. Contact

For legal inquiries, contact us at: info@veronadviser.com or (407) 243-8652. Verona AI Solutions LLC, 7503 Atlantis Way, Kissimmee, FL 34747, USA.