1. Notice and acceptance
This notice applies whenever you access or use TheVFO, TheVFO.com, any VFO member portal, Magellan Ai’sist, related courses, documents, communications, features, software, data, or services (collectively, the “VFO Services”). The VFO Services are offered by Own The Algo Holdings, a Wyoming Series LLC, directly or through its applicable series, brands, or affiliates. By accessing or using the VFO Services, you acknowledge that you have read, understood, and agreed to this notice. If you do not agree, do not use the VFO Services.
Effective and last updated: 2026-08-18-WY-1. This notice supplements any signed agreement, order form, privacy notice, or other applicable terms. The Wyoming governing-law and arbitration section controls any conflict concerning dispute resolution unless a later written agreement signed by an authorized representative of Own The Algo Holdings expressly identifies and replaces that section.
2. Education and organization only—no professional relationship
The VFO Services are educational and organizational resources. They do not provide legal, tax, accounting, financial, investment, securities, insurance, medical, compliance, estate-planning, or other regulated professional advice; do not recommend or endorse a transaction, structure, filing, election, security, investment, or professional; and do not create an attorney-client, accountant-client, investment-adviser, broker, fiduciary, trustee-beneficiary, doctor-patient, or other professional relationship.
Examples, templates, assessments, scores, checklists, projections, document summaries, citations, reminders, and suggested next actions are informational starting points only. A licensed professional in every applicable jurisdiction must independently review material decisions, documents, filings, deadlines, structures, and transactions before you act.
3. Artificial-intelligence limitations
Magellan Ai’sist and other automated features use artificial-intelligence systems that are probabilistic. They can misunderstand a request or source, omit material context, produce inaccurate or fabricated content, rely on incomplete or outdated information, fail to retrieve a relevant record, or become temporarily unavailable. A citation shows the source passage used; it does not certify that the source, interpretation, conclusion, or recommendation is correct, complete, current, or suitable for you.
No output is an authorization, approval, professional opinion, completed obligation, guaranteed memory, or substitute for original records and qualified human judgment. You must verify outputs against authoritative records and licensed-professional advice before relying on them.
4. No guarantees or warranties
To the fullest extent permitted by applicable law, the VFO Services are provided “as is” and “as available,” without express, implied, or statutory warranties or guarantees, including as to accuracy, completeness, timeliness, currency, availability, continuity, security, reliability, results, merchantability, fitness for a particular purpose, title, non-infringement, wealth creation, asset protection, tax treatment, legal effect, regulatory compliance, or professional acceptance.
No statement, demonstration, testimonial, projection, score, response, course, template, or communication guarantees any outcome. Laws, markets, filing requirements, deadlines, professional standards, technology, and member circumstances change.
5. Your responsibility
You alone control and remain responsible for your decisions, actions, omissions, records, uploaded content, permissions, filings, payments, deadlines, professional engagements, security practices, and compliance with applicable law. You are responsible for confirming that information you provide is accurate and that you have the right to upload, process, share, and use it.
Do not use the VFO Services for emergencies, time-critical filings, unauthorized professional practice, unlawful activity, or as the sole basis for financial, legal, tax, investment, health, safety, compliance, or asset-transfer decisions.
6. Assumption of risk
You voluntarily assume all risks arising from or related to access, use, non-use, delay, interruption, interpretation, implementation, or reliance on the VFO Services. These risks may include financial or investment loss, tax liability, penalties, missed deadlines, lost opportunities, business interruption, data loss, privacy or cybersecurity events, disputes, professional fees, regulatory consequences, and reputational harm.
7. Protected Parties and Protected Interests
“Protected Parties” means Own The Algo Holdings, a Wyoming Series LLC; TheVFO; TheVFO.com; and every current or future applicable series, parent, subsidiary, affiliate, related brand, trust, organization, entity, owner, member, manager, officer, director, trustee, beneficiary, employee, staff member, contractor, consultant, advisor, educator, content creator, licensor, vendor, service provider, agent, representative, successor, and assign, wherever located. It also includes every artificial-intelligence system, model, agent, assistant, automated tool, and digital representative used by or on behalf of any foregoing party, together with the humans and organizations that create, configure, host, operate, supervise, license, or support them.
“Protected Interests” means the Protected Parties’ assets, investments, intellectual property, systems, data, security, goodwill, relationships, and reputation.
8. Release and hold harmless
To the fullest extent permitted by applicable law, you release, waive, discharge, and agree to hold harmless the Protected Parties from claims, demands, causes of action, losses, liabilities, damages, judgments, penalties, costs, and expenses arising from or related to your access to, use of, inability to use, interpretation of, implementation of, or reliance on the VFO Services, including AI outputs, educational content, document processing, memory or retrieval features, third-party services, and actions taken or not taken based on them.
This release applies regardless of where a Protected Party, user, claim, loss, system, or transaction is located, but only to the extent enforceable under the law that actually applies. It does not release liability or waive rights that applicable law does not permit to be released or waived.
9. Indemnification
To the fullest extent permitted by applicable law, you agree to defend, indemnify, and hold harmless the Protected Parties and Protected Interests from third-party claims, investigations, losses, liabilities, damages, judgments, penalties, costs, and reasonable professional fees arising from your unlawful or unauthorized use of the VFO Services; your content, instructions, decisions, transactions, or professional representations; your infringement or violation of another person’s rights; your breach of this notice or another applicable agreement; or your fraud, willful misconduct, or negligence.
10. Limitation of liability
To the fullest extent permitted by applicable law, the Protected Parties will not be liable for indirect, incidental, special, consequential, exemplary, punitive, or enhanced damages; lost profits, revenue, data, business, opportunity, goodwill, or reputation; or the cost of substitute services, even if advised that such harm could occur.
To the fullest extent permitted by applicable law, the aggregate liability of all Protected Parties for claims arising from or related to the VFO Services will not exceed the greater of the amount you paid for the specific VFO Service giving rise to the claim during the twelve months before the event or one hundred United States dollars (US $100). This limitation does not apply where prohibited by law.
11. Third-party services and sources
The VFO Services may link to, retrieve from, interoperate with, summarize, or depend on third-party professionals, websites, models, cloud services, payment services, government sources, financial institutions, or member-provided documents. TheVFO does not control or guarantee their availability, security, accuracy, terms, legality, professional quality, or performance. Your dealings with third parties are between you and those parties.
12. Non-waivable rights and severability
Nothing in this notice attempts to exclude liability for fraud, willful misconduct, unlawful conduct, gross negligence where it cannot be excluded, death or personal injury where it cannot be excluded, or any other liability or consumer right that applicable law makes non-waivable. Some jurisdictions do not allow certain warranty exclusions, releases, indemnities, or damages limitations; in those jurisdictions, each provision applies only to the maximum lawful extent.
If a provision is held invalid or unenforceable, it will be narrowed to the minimum extent necessary, and the remaining provisions will continue to apply. No disclaimer or contract can guarantee universal enforcement across every jurisdiction. A signed agreement or other terms expressly accepted by you control only to the extent they identify themselves as superseding this notice for the same subject matter.
13. Wyoming governing law and exclusive binding arbitration
This notice, the VFO Services, and the relationship between you and the Protected Parties are governed by the substantive laws of the State of Wyoming, without regard to conflict-of-laws rules. The Federal Arbitration Act, 9 U.S.C. §§ 1–16, governs the interpretation and enforcement of the agreement to arbitrate in this section where it applies. The Wyoming Uniform Arbitration Act, W.S. §§ 1-36-101 through 1-36-119, applies to the extent it is not preempted by or inconsistent with applicable federal law.
To the fullest extent permitted by law, any and all disputes, claims, demands, or controversies between you and any Protected Party arising out of or relating in any way to the VFO Services, this notice, any transaction, communication, content, decision, relationship, use, non-use, or reliance—including any question about the formation, existence, applicability, scope, interpretation, arbitrability, or enforceability of this arbitration agreement—must be resolved exclusively through final and binding individual arbitration, not in court. The legal seat and place of arbitration is the State of Wyoming. The arbitration will be conducted in English before one neutral arbitrator, selected by mutual written agreement or, if the parties do not agree, appointed as permitted by applicable arbitration law.
You and the Protected Parties waive trial by judge or jury and agree that claims may be brought only in an individual capacity, not as a plaintiff, claimant, private attorney general, or class member in any purported class, collective, consolidated, coordinated, mass, or representative proceeding, to the fullest extent permitted by law. The arbitrator may award relief available on an individual claim under applicable law, subject to the lawful limits of this notice, and must issue a reasoned written award. The award is final and binding, and judgment on it may be entered in any court having jurisdiction.
A state or federal court located in Wyoming may be used only for a proceeding that applicable arbitration law permits or requires a court to decide, including to compel arbitration, appoint an arbitrator, preserve the arbitration’s effectiveness, or confirm, modify, correct, or vacate an award. For those limited proceedings, you consent to personal jurisdiction and exclusive venue in Wyoming and waive any objection based on inconvenient forum. This section controls any conflict concerning governing law, forum, or dispute resolution unless a later written agreement signed by an authorized representative of Own The Algo Holdings expressly identifies and replaces this section. Nothing in this section requires arbitration of a claim that governing law makes non-arbitrable or eliminates a right that cannot lawfully be waived.
