Terms of Service

Last Updated: October 1, 2026

1. Acceptance of Terms

By accessing or using Vitalf Technologies LLC ("Vitalf", "we", "us", or "our") websites, applications, products, or services (collectively, the "Services"), you agree to comply with and be bound by these Terms of Service. If you do not agree with these terms, please do not use our Services.

2. Services Description

Vitalf Technologies LLC is a technology and IT consulting company providing software engineering, cloud infrastructure architecture, technology consulting, and developer tools, including but not limited to:

  • Technology consulting and enterprise cloud infrastructure architecture
  • AI-augmented engineering solutions and autonomous software harnesses
  • Custom software development and cloud cost optimization advisory
  • Client-side data conversion and developer utilities (such as the InfinitePay CSV to OFX Converter)

We reserve the right to modify, suspend, or discontinue any part of our Services at any time without prior notice.

3. User Accounts

Some Services may require you to create an account. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account. You agree to:

  • Provide accurate and complete account information
  • Update your information promptly if there are any changes
  • Ensure the security of your account and password
  • Notify us immediately of any unauthorized use of your account

4. User Responsibilities

When using our Services, you agree not to:

  • Violate any applicable laws or regulations
  • Infringe upon the rights of others
  • Attempt to gain unauthorized access to our systems or other user accounts
  • Use the Services for illegal or unauthorized purposes
  • Transmit any viruses, malware, or other harmful code
  • Interfere with or disrupt the integrity or performance of the Services

5. Commercial and Consulting Services

Certain specialized consulting engagements, enterprise software solutions, or premium features may require service agreements or subscription fees. For these services:

  • Payment terms and scope of work will be governed by written statements of work or displayed before purchase
  • Consulting and service fees are billed according to contract terms
  • We may update subscription or service rates with appropriate written notice
  • You may cancel recurring services in accordance with your specific service agreement

6. Free and Client-Side Services

We offer select free web utilities, such as the InfinitePay CSV to OFX Converter. These Services:

  • Are provided "as is" and "as available" without warranties
  • May have usage limitations
  • Process data locally on your device without transmitting file contents to our servers
  • May be converted to paid or modified services in the future with notice

7. Intellectual Property

All content, features, and functionality of our Services, including but not limited to text, graphics, logos, icons, images, and software, are the exclusive property of Vitalf Technologies LLC or its licensors and are protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Services without our prior written consent.

8. Technology Services and Non-Advisory Disclaimer

Vitalf Technologies LLC operates strictly as an independent technology, software engineering, and IT consulting company:

  • Our software utilities, consulting advice, and architecture reviews are for general technology, operational, and software modernization purposes only.
  • We do not provide investment advice, financial advice, portfolio management, legal advice, tax advisory, or accounting services.
  • We are not a registered investment adviser, broker-dealer, financial planner, or financial institution.
  • Users and clients are solely responsible for verifying technical outputs, compliance requirements, and any operational or business decisions.

9. Data Security

We prioritize the security of your data. Some of our tools, like the InfinitePay CSV to OFX Converter, process your data locally in your browser without transmitting it to our servers. For services that store data:

  • We implement reasonable security measures
  • We limit access to personal information
  • We use encryption when appropriate
  • We cannot guarantee absolute security

10. Disclaimer of Warranties

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

11. Limitation of Liability

IN NO EVENT SHALL VITALF TECHNOLOGIES LLC BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICES.

12. Indemnification

You agree to indemnify, defend, and hold harmless Vitalf Technologies LLC and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of your use of the Services or your violation of these Terms.

13. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Wyoming, United States, without regard to its conflict of law provisions. You agree to submit to the personal and exclusive jurisdiction of the state and federal courts located within the State of Wyoming for the resolution of any disputes arising under or related to these Terms or the Services.

14. Changes to Terms

We may revise these Terms at any time by updating this page. Your continued use of the Services after any such changes constitutes your acceptance of the new Terms.

15. Contact Us

If you have any questions about these Terms, please contact Vitalf Technologies LLC at [email protected] or through the contact channels provided on our website.