VALHERIM SOLUTIONS

Terms and Conditions

Last updated: June 18, 2026

1. Agreement to Terms

By accessing or using Valherim Solutions' services, including our website and SMS-based financial consulting platform, you agree to be bound by these Terms and Conditions. If you do not agree, please do not use our services.

2. Description of Services

Valherim Solutions provides AI-powered personal finance consulting services, including:

  • SMS Expense Tracking: Users can log expenses via text message in natural language. Our AI processes, categorizes, and records each transaction.
  • Budget Management: Real-time tracking of spending against user-defined weekly and monthly budgets per category.
  • Automated Bill Reminders: SMS notifications sent 3 days before and on the day of bill due dates.
  • Financial Reports: AI-generated weekly summaries (Saturdays at 10:00 AM ET) and monthly reports (1st of each month at 10:00 AM ET).
  • Financial Coaching: Personalized tips, alerts, and motivational messages based on spending patterns.

3. SMS Terms of Service

By opting in to our SMS service, you acknowledge and agree that:

  • You will receive automated SMS messages related to personal finance management from Valherim Solutions.
  • Message frequency varies based on your usage and subscription (typically 5-15 messages per week).
  • Standard message and data rates from your wireless carrier may apply.
  • You can opt out at any time by replying STOP to any message.
  • You can get help at any time by replying HELP to any message.
  • Consent to receive messages is not a condition of purchase.
  • Compatible carriers include major US carriers (AT&T, T-Mobile, Verizon, and others). T-Mobile is not liable for delayed or undelivered messages.

4. User Opt-In and Consent

Users opt in to our SMS service by contacting Valherim Solutions directly (via phone, email, or our website) and providing verbal or written consent to receive automated financial notifications and tracking messages. Users must provide their mobile phone number and explicitly agree to receive SMS communications.

By texting START to our service number +1 (586) 284-4295, you confirm your consent to receive automated SMS messages from Valherim Solutions.

5. User Responsibilities

When using our services, you agree to:

  • Provide accurate and truthful financial information.
  • Use the service only for lawful, personal financial management purposes.
  • Not use the service to transmit spam, harmful content, or illegal material.
  • Maintain the confidentiality of your account information.
  • Notify us immediately of any unauthorized use of your account.

6. Disclaimer of Financial Advice

Valherim Solutions provides financial organization and tracking tools powered by artificial intelligence. Our services do not constitute professional financial advice, investment advice, or tax guidance. We are not registered financial advisors, brokers, or tax professionals. Always consult a qualified financial professional for specific financial decisions.

7. Limitation of Liability

Valherim Solutions is provided "as is" without warranties of any kind, express or implied. We are not liable for any financial losses, damages, or consequences arising from the use of our services, including but not limited to missed bill reminders, incorrect calculations, or service interruptions.

8. Service Availability

We strive to maintain our services 24/7 but do not guarantee uninterrupted availability. We reserve the right to suspend or modify the service for maintenance, updates, or operational reasons with reasonable notice when possible.

9. Cancellation and Termination

You may cancel your use of our services at any time:

  • Reply STOP to any SMS to unsubscribe from all messages.
  • Contact us at [email protected] to request full account deletion.

We reserve the right to terminate accounts that violate these terms or engage in abusive behavior.

10. Modifications to Terms

We may update these Terms and Conditions periodically. Material changes will be communicated via SMS or email. Continued use of the service after modifications constitutes acceptance of the updated terms.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, United States, without regard to its conflict of law provisions.

12. Contact Information

For questions about these Terms and Conditions, contact us:

  • Company: Valherim Solutions
  • Email: [email protected]
  • Phone: +1 (689) 254-1196
  • Website: https://valherim.com