Effective 11 September 2026
Terms of Service
Conditions for using AdvisorOrbit, provided by Vaalmika Platforms Inc., Ontario, Canada.
Business use and account responsibility
AdvisorOrbit is a workspace for adult insurance and financial-services professionals and their authorized teams. You must be at least 18 and have authority to act for the business whose records you enter. You are responsible for accurate account information, your users’ permissions and activity, and protecting credentials and devices. Do not share accounts or attempt to bypass access controls.
The workspace owner manages the subscription and seats. A role label in AdvisorOrbit does not establish professional licensing or authorization. You remain responsible for the qualifications and regulatory obligations of your business and users.
Your records and permissions
You retain your rights in information you submit. You authorize Vaalmika and the service providers described in our Privacy notice to process it as necessary to deliver, support and protect the service and carry out your authorized instructions.
Collect and submit only information that you have lawful authority to use for the stated purpose. Obtain required permission for recording, sensitive financial or health information and information about other people. Follow your business’s retention and professional recordkeeping requirements. Do not submit passwords, card or bank account numbers, government identity documents, unlawful content or information you have no authority to disclose.
AI assistance and human review
AI capture processing is optional and subject to workspace approval, service availability and your permission for each capture. Initial client recording support is English only. AI output may be inaccurate or incomplete, including names, numbers, medical history and corrections. Check the original source and correct or reject suggestions before relying on them.
AdvisorOrbit does not provide professional advice, diagnose conditions, perform underwriting or determine insurance eligibility. It does not replace your professional judgment, verification or required records. Calculations depend on the information and assumptions supplied. You are responsible for decisions, communications and submissions made using the service.
Subscriptions, cancellation and support
Prices and cadence are shown before purchase. The subscription and refund policy explains renewal, cancellation and refunds, including the seven-day first-payment refund offer. AI is included in the subscription; internal provider costs are not metered customer charges. Payment and tax details are shown at checkout.
Contact contact@vaalmi.com for assistance. The support page describes the initial response target. A response target is not a promise that every issue will be resolved within that period.
Availability, appropriate use and access changes
Service may be interrupted by maintenance, provider outages or other failures. We may restrict processing or access when needed to protect security, investigate misuse, respect a data request or address unpaid subscriptions. Where practicable, we will explain the reason and the available next steps.
Do not use the service to infringe rights, discriminate unlawfully, distribute malicious software, extract another user’s data or interfere with service operation. Do not represent AI suggestions as independently verified facts.
Leaving the service and changes to these terms
Subscription cancellation does not itself delete records. Request export or deletion separately so authority, business retention obligations and any necessary holds can be checked. Workspace deletion does not automatically delete every member’s separate sign-in identity or external payment records. The Privacy notice explains these boundaries.
We will post updated terms with an updated date and provide notice of material changes where required. Nothing in these terms excludes rights or remedies that applicable law does not allow to be excluded. For questions about these terms, contact contact@vaalmi.com.