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Terms of Service

These terms explain the rules for using the VeraLife.ai website, its tools and its AI assistant. Please read them. By using the site, you agree to them.

1. The short version

  • VeraLife.ai teaches personal finance and helps you plan. It does not give personal financial, investment, tax or legal advice.
  • Numbers on the site, including quotes, scores and calculator results, are illustrative estimates. They are not offers and are not guaranteed.
  • The AI assistant can be wrong. Check anything important with a qualified professional.
  • Insurance products are offered through licensed agents, not by VeraLife.ai.
  • Use the site lawfully and fairly, and don't copy or misuse it.

2. About VeraLife.ai and these terms

VeraLife.ai ("VeraLife.ai", "we", "us") is an AI personal wealth management and financial education website. Today the site offers education, a waitlist, illustrative quotes, a Wealth Strategy Score and other tools. A subscription app is planned for January 1, 2027. Separate terms may apply to the app when it launches.

These terms apply to the website and everything on it (the "site"). The site is built and hosted on VeraGen.ai Hub, a platform by Rendered Source. Our Privacy Policy, Cookie Policy and Disclosures are part of these terms.

3. Who can use the site

The site is for adults in the United States. You must be at least 18 years old to use it, join the waitlist or request a quote. If you use the site for someone else, you confirm you have their permission to share their details with us.

4. Education, not advice

Everything on the site is general financial education. It is not personal advice about your situation, and no adviser-client, fiduciary or agency relationship is created by using it.

  • VeraLife.ai is not a registered investment adviser, broker-dealer or insurance agency.
  • We do not recommend specific securities, policies or insurers to you.
  • Before you make a financial, insurance, tax or legal decision, talk to a qualified, licensed professional who knows your situation.

Our Disclosures page explains this in more detail.

5. Illustrative figures and no guarantee

Examples, projections, scores, calculator results and quotes on the site are illustrations based on assumptions and, for now, a sample rate table. They are not predictions, offers or promises. Real results depend on your health, age, the insurer's underwriting, market conditions, fees, taxes and other factors. Past or illustrated performance does not guarantee future results. We do not guarantee any outcome.

6. The AI assistant

The VeraLife.ai assistant is an AI chatbot (a VeraGen.ai Tellagent chatbot) that answers questions from VeraLife.ai's own content.

  • AI answers may be incomplete, out of date or wrong. Do not rely on them as advice.
  • Please do not type personal details such as your full name, contact details, account numbers, Social Security number or health information into the chat.
  • The chat is kept in your browser session only; it is not stored by our server. See the Privacy Policy.

7. Quotes and licensed agents

Quotes shown on the site today are illustrative estimates from a sample rate table. Later, live quotes may come from Compulife, a third-party quoting service, and may open on its site under its own terms. A quote is an estimate until an insurer has completed underwriting and issued a policy.

If you ask to be connected with someone about insurance, that conversation is with a licensed agent, who is responsible for any recommendation and sale. VeraLife.ai does not sell, bind or issue insurance, and does not handle premiums.

8. Waitlist and the coming app

Joining the waitlist does not reserve a price, a feature or a place, and does not create a subscription. We plan to open subscriptions on January 1, 2027, but dates, features and prices may change. We'll tell waitlist members about the launch and any terms that apply to it.

9. Intellectual property

The site, its content, design, tools, text, graphics, logos and the VeraLife.ai name belong to us or our licensors and are protected by law. You may view and print pages for your own personal, non-commercial use. You may not copy, republish, sell or build on our content without written permission. Press and partners may use our logo as described in our brand guide.

If you send us feedback or ideas, we may use them without owing you anything.

10. Acceptable use

When you use the site, you agree not to:

  • break any law, or use the site to mislead, defraud or harm anyone;
  • submit someone else's details without their permission, or submit false information;
  • scrape, crawl or harvest the site or its data, or use it to train AI models;
  • try to get around security, overload the site, or access systems you are not allowed to;
  • upload malware or anything that interferes with the site;
  • try to make the AI assistant produce harmful, unlawful or misleading content, or extract its instructions;
  • pretend to be VeraLife.ai, a licensed agent or anyone else.

We may limit or block access if we believe these terms are being broken.

11. Third-party services and links

The site relies on other services, including VeraGen.ai Hub, Amazon Web Services and, later, Compulife. Links or tools from third parties are provided for convenience. We are not responsible for their content, products or practices, and their own terms and privacy policies apply.

12. Privacy

Our Privacy Policy explains what we collect, how we use it and your rights. We do not sell personal information. See Do Not Sell or Share My Personal Information.

13. Disclaimers

The site and everything on it are provided "as is" and "as available". To the fullest extent the law allows, we disclaim all warranties, express or implied, including warranties of accuracy, completeness, merchantability, fitness for a particular purpose and non-infringement. We do not promise the site will always be available, error-free or secure.

14. Limitation of liability

To the fullest extent the law allows:

  • we are not liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits, savings, data or opportunities, arising from your use of the site or reliance on its content, figures or AI answers;
  • our total liability for any claim relating to the site is limited to one hundred US dollars (US$100).

Some states do not allow these limits, so they may not all apply to you. Nothing in these terms limits liability that cannot be limited by law.

15. Indemnity

If your misuse of the site or breach of these terms leads to a claim against us, you agree to cover the reasonable costs of that claim, to the extent the law allows.

16. Governing law

These terms are governed by the laws of [State to be confirmed by counsel], without regard to conflict-of-law rules. Any dispute will be heard in the state or federal courts located in [State to be confirmed by counsel], unless the law where you live requires otherwise.

If any part of these terms is found unenforceable, the rest still applies. If we don't enforce a term right away, we have not waived it. These terms, with the pages they mention, are the whole agreement between you and us about the site.

17. Changes to these terms

We may update these terms as the site and the app grow. We'll change the date at the bottom of this page and, for important changes, post a notice on the site or tell waitlist members. If you keep using the site after a change, the new terms apply.

18. Contact

Questions about these terms? Use our contact form at /contact.

Draft, pending legal review. Last updated November 10, 2026.

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