Version 1.0, published 5 October 2026.
These Terms of Engagement govern every diagnostic engagement with Velvex. They are accepted by ticking the acceptance box on the Velvex application form, so please read them before applying. If anything in them is unclear, write to support@velvexbi.com before submitting the application.
Every version of these Terms stays published, so the version that was accepted can always be read.
In these Terms:
2.1 The Provider is Adam Mohannad Hadi Mustafa, an individual resident in Amman, Jordan, trading under the name Velvex. Velvex is not an incorporated company, so the Provider personally carries every obligation Velvex has under these Terms.
2.2 The Client is the business named in the Application. The person who submits the Application confirms that they are authorised to accept these Terms on the business's behalf. The business, not that person, is the party to these Terms.
2.3 Velvex works only with businesses. These Terms are a contract between businesses, and the Engagement is not offered to consumers.
2.4 An Introducing partner is not a party to these Terms. Section 15 sets out its position.
3.1 The Client accepts these Terms by ticking the acceptance box on the Application. The box states the version being accepted. Velvex keeps a record of the acceptance: the version, the time of submission, and the names of the business and of the person who submitted the Application.
3.2 Section 9 (Confidentiality) and section 10 (Personal data, AI and security) apply from the moment the Application is submitted, whether or not the Application is accepted.
3.3 All other sections bind both parties once Velvex confirms in the Approval email that the Application is eligible and the Client pays the Fee.
3.4 Velvex decides eligibility and may decline any Application. If an Application is declined, neither party owes the other anything, except under sections 9 and 10.
3.5 Every email about the Engagement, and the bank transfer, carries the Engagement Reference.
4.1 Velvex produces one Executive Ledger: a written structural diagnostic of the Client's business, built from the Intake. The Ledger contains the Final Velvex Score, the structural reading across seven engines, the six-dimension scoring breakdown, the health state, ranked pressure points and three prioritised recommendations. Every finding carries one of four tags: observed (stated in the Intake as supplied), estimate (a figure Velvex calculated or approximated from the Intake), inference (a conclusion Velvex draws from the Intake) or assumption (something the Intake did not supply, which Velvex had to assume).
4.2 Velvex confirms in writing when the Intake is complete. The Ledger is delivered by email within 24 hours of that confirmation.
4.3 Velvex produces the Ledger from the Intake using its own method and frameworks, with the help of third-party AI services, as described in section 10. Velvex is responsible for the Ledger's contents and performs the Engagement with reasonable skill and care.
4.4 Structured Follow-ups by email at 30, 90 and 180 days after delivery check whether the reading held. They are part of the Engagement and carry no further fee. The Client may answer them or not, and may ask Velvex to stop them at any time. The Engagement ends after the 180-day Follow-up, unless it ends earlier under these Terms.
4.5 The following are not included: implementing the recommendations; consulting; accounting or audit assurance; valuation; and legal, tax, financial or investment advice.
4.6 Velvex sells nothing after the Ledger. It will not offer the Client implementation or any other paid work arising from the findings. A later diagnostic, if the Client asks for one, is a new Engagement under clause 16.4.
5.1 The Client answers the Application and the operating questionnaire honestly, completely and to the best of its knowledge, and answers Velvex's questions about the Intake within a reasonable time.
5.2 The Ledger can only be as accurate as the Intake it is built from. Every assumption the Ledger has to make is stated in it, not hidden.
5.3 The Client confirms that it has the right to give Velvex the information in the Intake. It does not supply information that it holds in confidence for someone else unless it is permitted to share it.
5.4 The Intake does not need personal data about the Client's employees, customers or suppliers, beyond the names and contact details of the person applying and of any contact the Client chooses to name. The Client should leave such data out. Any personal data the Client does include is its responsibility to have the right to share.
5.5 If the Intake is not complete within 30 days after the Fee arrives, Velvex may end the Engagement by giving the Client 7 days' written notice. The Fee is then refunded in full under clause 8.4.
6.1 The Fee is stated in the Approval email and on the invoice. At the date of these Terms it is USD 149, the introductory rate available to Velvex's first ten clients, or USD 999. No payment is due before the Fee has been confirmed in writing. Paying the invoice confirms the Fee.
6.2 The Fee may be paid by the Client or by the Introducing partner on the Client's behalf. These Terms remain between Velvex and the Client either way, and any refund is returned to whoever paid.
6.3 Payment is by bank transfer to the account given on the invoice. The account holder's name matches the Provider named in clause 2.1. The payer chooses the charges option OUR (the sender pays all bank charges), so that the full Fee arrives, and writes the Engagement Reference in the transfer description. Velvex confirms receipt in writing and issues a receipt.
6.4 Payment safety: the account details on the invoice are the only valid ones. Velvex will never change them by email or message. If the Client receives different details from anyone, the Client should not pay, and should first confirm with Velvex by telephone on the number given in the Approval email.
6.5 The introductory rate is held for 7 days from the date of the invoice. The hold is met if, within those 7 days, the Client sends proof that the transfer was made (the bank's transfer confirmation), even if the funds arrive later. If not, the introductory place may be released to the next client. If the Client still wishes to proceed, Velvex confirms in writing the Fee that then applies.
6.6 Work begins when the funds arrive. If the Fee is paid twice, for example by both the Client and the Introducing partner, the duplicate is returned within 7 days.
6.7 The Fee is the full price. Velvex is not registered for VAT or any sales tax and charges none. If the law of the payer's country requires tax to be withheld from the payment, the payer pays an additional amount so that Velvex receives the full Fee.
The Ledger is guaranteed to meet this standard, which builds on clause 4.1: it contains the Final Velvex Score, the structural reading across seven engines, the six-dimension scoring breakdown, the health state, ranked pressure points and three prioritised recommendations; every finding carries one of the four tags in clause 4.1; every assumption it makes is stated; and nothing it presents as observed contradicts the Intake as supplied.
If the Ledger does not meet that standard, the Client may say so in writing within 14 days of delivery, naming what is missing or wrong, by email to support@velvexbi.com or in reply to any Velvex email about the Engagement. Velvex then either corrects the Ledger within 5 days or returns the full Fee within 7 days. If the corrected Ledger still does not meet the standard, the full Fee is returned within 7 days.
Disagreeing with a finding is not a failure of the standard. The Ledger reports what the Intake shows, including what the Client would rather not hear.
If Velvex declines the Intake as ineligible after payment, or does not deliver the Ledger within the time in clause 4.2, the full Fee is returned within 7 days.
8.1 Either party may cancel the Engagement in writing at any time before Velvex confirms that the Intake is complete.
8.2 Once the Intake is confirmed complete, the Ledger is in production and the Client can no longer cancel under clause 8.1. The Client's protection from that point is the guarantee in section 7.
8.3 Velvex may end the Engagement before delivery if continuing would be unlawful, or if the Intake turns out to contain information the Client had no right to share.
8.4 Whenever an Engagement ends before the Ledger is delivered, for any reason, the Fee is refunded in full within 7 days.
8.5 Every refund under these Terms is paid in US dollars by bank transfer to the account that paid, with the charges option OUR, so that the full amount arrives.
8.6 Section 7, sections 9 to 13 and sections 19 to 21 continue after an Engagement ends.
9.1 Velvex uses the Client's information only to assess the Application, produce the Ledger and carry out the Follow-ups, to keep a record of the Application and the Engagement, to deal with any complaint or dispute, to assess any later Application from the Client, to keep the records the law requires, and in the aggregated form described in clause 10.6.
9.2 Velvex will not share the Client's information with anyone, including the Introducing partner, without the Client's written consent, except:
9.3 The Client keeps Velvex's methodology, frameworks and scoring, and the Ledger's contents, confidential to the same standard it applies to its own business information, and with at least reasonable care. The Client may share the Ledger as clause 11.3 allows.
9.4 Neither party's duty of confidentiality covers information that is public through no fault of that party, that it already held lawfully, that it developed independently, or that it received lawfully from someone else without a duty of confidence.
9.5 These duties continue after the Engagement ends.
10.1 Velvex is responsible, as controller, for the personal data it holds for an Application or an Engagement. It collects the information in the Application and the Intake, the name and contact details of the person applying and of any other contact the Client names, the name of any Introducing partner, the payment records for the Engagement, and technical details recorded when the Application is submitted, such as the IP address.
10.2 Velvex uses that information only for the purposes in clause 9.1, because it is needed to assess the Application and carry out the Engagement, and with the consent given under clause 10.3.
10.3 Velvex runs the Engagement on third-party services: online forms, email, database and workflow hosting, document generation and AI analysis. They handle the Client's information on Velvex's behalf and for no other purpose. Some of them store or process data outside the Client's country, including in the United States and the European Union. Velvex uses only established providers that publish their security and data-protection commitments. The current list of these services is available on request. By ticking the acceptance box, the person applying consents, for themselves and for the Client, to this transfer and processing for the purposes in clause 9.1.
10.4 The Client's answers are analysed with the help of third-party AI services. Velvex uses only services whose terms or account settings exclude the Client's information from being used to train their models, and does not use the Client's information to train any model of its own.
10.5 Velvex protects the Client's information with reasonable technical and organisational measures, and limits access to it to Velvex and the service providers in clause 10.3. If Velvex learns that the Client's information has been accessed without authority, it tells the Client without undue delay, says what is known, and says what it is doing about it. Velvex also notifies the competent authority where the law requires it.
10.6 Aggregated use. Velvex may combine findings from the Engagement with those of at least four other engagements, in de-identified form (with identifying details removed), to improve Velvex's method and frameworks and to publish general findings (for example, "in six of ten businesses read, the largest customer carried more than a third of revenue"). Nothing used this way names the Client or could reasonably be traced to it. Anything specific to the Client alone is published only with the case-study consent in section 17.
10.7 Velvex keeps the information from every Application, including one that is declined or never paid, and from every Engagement, for as long as it offers the service, and uses it only for the purposes in clause 9.1. Anyone whose personal data it is may ask for it to be deleted sooner, under clause 10.8. Records of the acceptance, the invoice and the payment are kept as long as the law requires, even after such a request. If the Intake is deleted on request before the Ledger is delivered, the Engagement ends and clause 8.4 applies. Aggregated, de-identified findings already derived are not affected.
10.8 Anyone whose personal data Velvex holds for an Application or an Engagement may ask to see, correct or delete it, or withdraw the consent in clause 10.3, by writing to support@velvexbi.com. Velvex answers within 30 days. Withdrawing that consent ends the Engagement, and clause 8.4 applies if the Ledger has not been delivered. Anyone may also complain to the data protection authority in their country.
11.1 Velvex owns its methodology, frameworks, scoring logic, templates and the names of each, the structure and wording of the Ledger, and any aggregated findings. Nothing in these Terms transfers them to the Client.
11.2 The Client owns the information it supplies. Velvex uses it only as these Terms allow.
11.3 Once the Fee is paid, the Client may use the Ledger without time limit for its own business purposes, and may share it in confidence with its owners, directors, employees and professional advisers.
11.4 The Client may not sell, republish or publicly distribute the Ledger, remove Velvex's name from it, or use it to build a competing diagnostic.
11.5 Velvex will not name the Client as a client, or use its name or logo, without the Client's written consent.
12.1 The Ledger is a structured diagnostic opinion based on the Intake as supplied. Velvex does not audit or independently verify the Intake.
12.2 The Ledger does not guarantee any business outcome. Decisions the Client makes after reading it are the Client's own.
12.3 The Ledger is written for the Client alone. No one else may rely on it, and Velvex accepts no responsibility to anyone else who reads it.
13.1 Velvex's total liability arising from these Terms or the Engagement, whether in contract, in tort (including negligence) or otherwise, is limited to the Fee paid for that Engagement.
13.2 Velvex is not liable for loss of profit, revenue, business, opportunity or goodwill, or for any indirect or consequential loss.
13.3 Nothing in these Terms limits liability for fraud or wilful misconduct, or any liability that the law does not allow to be limited.
13.4 Nothing in this section reduces the Client's right to a refund under sections 7 and 8.
14.1 Neither party is in breach of these Terms for a delay caused by events outside its reasonable control, such as a failure of power, internet or third-party services, serious illness, natural events, civil unrest or government action. The affected party tells the other promptly.
14.2 This section does not reduce the Client's rights under sections 7 and 8. If the Ledger is not delivered on time for any reason, the Fee is returned under section 7.
15.1 An Introducing partner is not Velvex's agent and cannot make any promise on Velvex's behalf.
15.2 Velvex pays no referral fee or commission to any Introducing partner, and receives nothing from any work the partner does for the Client. The Ledger states that the Client was introduced.
15.3 The Introducing partner receives no information about the Client or the Engagement unless the Client consents under section 17. If the partner pays the Fee, it receives a receipt for that payment and nothing more.
These Terms cover one Engagement, under one Engagement Reference, and are accepted once.
16.1 Answering a follow-up question, correcting an answer, adding context or sending the operating questionnaire again is part of the same Engagement and needs nothing new to be accepted. If the questionnaire is sent more than once, the latest version is used, and Velvex confirms which one in writing.
16.2 The Client may change either consent in section 17 by email at any time before the case study is published or the copy is sent. The change is recorded under the Engagement Reference.
16.3 The 24-hour delivery time runs from the moment Velvex confirms the Intake is complete.
16.4 A later diagnostic for the same Client is a new Engagement, with a new Application and a new Engagement Reference.
The two consents below are separate, optional boxes on the Application. Leaving either box unticked means that consent is not given, and has no effect on the Engagement. They are separate from the consent in clause 10.3, which is part of accepting these Terms.
18.1 Velvex may publish a new version of these Terms. Each version has its own version string. When a new version is published, every earlier version stays readable, unchanged, at its own permanent address, and the current version lists them.
18.2 A new version applies only to Applications submitted after it is published. The version the Client accepted stays in force for the Client's Engagement, including the Fee confirmed for it.
19.1 The parties communicate by email, in English. Velvex writes to the address given in the Application, or to a new address the Client gives in writing. The Client writes to support@velvexbi.com or replies to any Velvex email about the Engagement.
19.2 An email is received when it is sent, unless the sender receives a message that it was not delivered.
20.1 A party with a complaint or dispute first raises it in writing. Both parties then try in good faith to resolve it within 30 days.
20.2 These Terms are governed by the laws of the Hashemite Kingdom of Jordan.
20.3 The courts of Amman have exclusive jurisdiction over any dispute that is not resolved under clause 20.1.
21.1 These Terms, in the version the Client accepted, together with the Approval email that states the Fee and the Engagement Reference, are the whole agreement between the parties about the Engagement. They replace anything said or written about it before. If the Approval email and these Terms differ, these Terms prevail, except on the Fee and the Engagement Reference.
21.2 Ticking the acceptance box on the Application is the Client's signature. It is binding in the same way as a handwritten signature. A Client that needs a signed copy for its own records may ask for one; the signed copy carries these same Terms.
21.3 The Client may not transfer its rights or obligations under these Terms without Velvex's written consent. Velvex may transfer them to a company that the Provider owns or controls, by giving the Client written notice; the Client's rights under these Terms do not change as a result.
21.4 Velvex remains responsible for the work of every service provider it uses for the Engagement.
21.5 The parties are independent. Nothing in these Terms creates a partnership, joint venture, agency or employment between them.
21.6 No one other than Velvex and the Client has any right under these Terms.
21.7 If any part of these Terms is found invalid, the rest remains in force. A party that does not enforce a right at once has not given it up.
21.8 These Terms are written in English. If they are translated, the English text prevails.