Terms of Use

Acceptance of the Terms of Use

These terms of use are entered into by and between You and StartupMiracle.com ("Company," "we," or "us"), which operates VirtualCo Pro ("VirtualCoPro"). The following terms and conditions, together with any documents they expressly incorporate by reference (collectively, "Terms of Use"), govern your access to and use of https://virtualcopro.com, including any content, functionality, and services offered on or through https://virtualcopro.com (the "Website"), whether as a guest or a registered user.

Please read the Terms of Use carefully before you start to use the Website. By using the Website or by clicking to accept or agree to the Terms of Use when this option is made available to you, you accept and agree to be bound and abide by these Terms of Use and our Privacy Policy, found at https://startupmiracle.com/privacy, incorporated herein by reference. If you do not want to agree to these Terms of Use or the Privacy Policy, you must not access or use the Website.

This Website is offered and available to users who are 18 years of age or older or, if younger, have received parental consent to incorporate and use VirtualCoPro services and products; who reside in the United States or a country without any restrictions prohibiting incorporation in the United States; and who have citizenship in the United States or a country without any restrictions prohibiting incorporation in the United States. By using this Website, you represent and warrant that you are of legal age to form a binding contract with the Company and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Website.

Important: We are unable to provide services to or from citizens of Albania, Belarus, Bosnia, Burundi, Central African Republic, Croatia, Cuba, Cyprus, Democratic Republic of the Congo, Iran, Iraq, Lebanon, Liberia, Libya, Macedonia, Montenegro, Nicaragua, North Korea, Russia, Serbia, Slovenia, Somalia, South Sudan, Sudan, Syria, Ukraine (Crimea region), Yemen, and Zimbabwe due to government restrictions for business formation.

As a U.S. private company, we accept customers that are not bad actors or sanctioned personas, contingent on our Know-Your-Customer (KYC) protocols to verify the true identity and beneficial ownership of your Venezuelan owner and/or partner. In other words, we can freely do business with ordinary private Venezuelan citizens and private businesses, as the United States does not impose a total, country-wide embargo on Venezuela. The Office of Foreign Assets Control (OFAC) explicitly states that U.S. persons and companies are not prohibited from transactions involving the country or people of Venezuela, provided no sanctioned entities or blocked persons are involved. However, we do not do business with government-owned companies, nor with private individuals, company founders, and board members on the OFAC Specially Designated Nationals (SDN) List.

Prohibited Currencies: While standard commercial trade is allowed, transactions involving the Venezuelan government's official state cryptocurrency, the Petro, as such an instrument, remain strictly illegal for U.S. entities.

Banking Regulations: Even though the transaction itself may be entirely legal, many U.S. and international banks engage in "over-compliance" or "de-risking" when reviewing applications for business bank accounts and/or deposit accounts where the ultimate beneficiary is a Venezuelan citizen, regardless of dual-citizenship. This "de-risking" is out of our control.

Our Services

Our business formation and incorporation service allows our users to form a legal entity in the United States and obtain the necessary documents and resources to build a business or company. Users are able to access documents generated by the VirtualCoPro platform, connect with VirtualCoPro partners that execute different services for users, and take advantage of perks and discounts within the VirtualCoPro network.

Our services may also include a U.S. business address with mail-forwarding services, a dedicated U.S. phone number, banking introductions through our banking partners, stablecoin wallet provisioning, AI-powered operational tools, and accounting and tax-filing assistance performed by licensed partners, each of which may be subject to separate terms of service. The services available on our Website may allow you to communicate with the licensed professionals and partners we feature. By using the Website, you do not form an attorney/client, accountant/client, or banker/client relationship with any partner available via the Website. Any relationship between you and our partners must be governed under separate terms between you and that partner. At no time do we review the content you communicate to those partners. VirtualCoPro is not a law firm, tax firm, bank, or money services business, and may not perform services that must be performed by a licensed attorney, accountant, or financial institution. VirtualCoPro and its Website are not a substitute for the advice or services of a licensed professional.

Fees

In certain instances, we may charge a fee for use of the services available on our Website. You are responsible for any fees applicable to content that you post or other features, products, services, or licenses you purchase or that are purchased through your account. You authorize us or our designated payment processor to charge your specified credit card, debit card, or other payment method for such fees. Unless otherwise specified, all fees are in United States dollars and all charges will be made in United States dollars. Any applicable sales or other taxes are additional to the stated fee. Currency exchange settlements and foreign transaction fees are based on your agreement with your credit card or other payment method provider. Except as required by law or otherwise stated on the site or in the services, all fees are nonrefundable and payments and purchases may not be canceled by the user. However, we reserve the right to refuse or terminate any purchase or attempted purchase at any time in our sole discretion.

Money-Back Guarantee

We are committed to delivering exceptional service and making it easy to start your company in the U.S. We offer a 7-day money-back guarantee on VirtualCoPro fees, exclusively for cases where services cannot be fulfilled or where VirtualCoPro controls the service outcome. Once services are underway or fulfilled, refunds are not available, regardless of the reason. Refunds may apply only in the following situations and strictly within 7 days of purchase:

• Before company registration is filed. If your incorporation documents have not yet been submitted to the state, you may request a full refund of VirtualCoPro fees.
• After registration but before EIN application. If your company has been registered but we have not yet applied for your EIN or submitted IRS Form SS-4, you may be eligible for a 50% refund of VirtualCoPro fees.
• Registration states. Refunds may be considered on a case-by-case basis, depending on the progress of your service. In states where instant incorporation is available, we will ask for your confirmation to proceed as part of the post-payment steps; if that confirmation has not been given, refund requests may still be eligible for review.
• Within 7 days of purchase only. Refund requests are only considered within seven calendar days of purchase, even if the filing process has not yet started. Requests beyond the 7-day period are automatically ineligible, regardless of service status.

Once you confirm your company details after purchase, the incorporation process is considered fulfilled and will begin immediately, and refunds are no longer available. Government and state filing fees, once paid, are non-refundable. Third-party service fees are governed by their own policies and may start immediately.

Application for Incorporation

The process of setting up a company may take longer than the estimated time if one of the parties involved (e.g., the IRS, registered agent, or any other party) requires additional time to process the request. Once the state formation fee is covered by VirtualCoPro, no changes can be made to the selected state of formation or the provided name. All documents will be provided digitally, sent via email, and uploaded to the customer's profile within VirtualCoPro. A physical copy of the documents will not be provided.

Cancellations & Refund Exclusions

We do not offer refunds in these cases:

• After your company is officially registered with the state.
• If your filing is already under review by a state or federal agency (e.g., Secretary of State, IRS).
• Due to dissatisfaction with third-party services.
• For change of mind or regret after purchase, after the 7-day window.
• Outside of the 7-day window, regardless of filing status.

Other Fees

The customer is responsible for covering the fees associated with setting up and running a company that are not covered by our services (e.g., notarization fees, CPA fees, ITIN application fees, and other fees that are not covered by our stated fee).

Restricted Countries

We are unable to accept applications from citizens of Albania, Belarus, Bosnia, Burundi, Central African Republic, Croatia, Cuba, Cyprus, Democratic Republic of the Congo, Iran, Iraq, Lebanon, Liberia, Libya, Macedonia, Montenegro, Nicaragua, North Korea, Russia, Serbia, Slovenia, Somalia, South Sudan, Sudan, Syria, Ukraine (Crimea region), Yemen, and Zimbabwe due to government restrictions. These restrictions are subject to change.

Bank Account & Banking Partners

Our banking partners are third-party entities, and we do not have control over how they underwrite customers or work through your application during the underwriting process. Our banking partners have specific country restrictions in the following countries: Belarus, Burundi, Central African Republic, Cuba, the Democratic Republic of the Congo, Iran, Iraq, Lebanon, Libya, Nicaragua, North Korea, Somalia, South Sudan, Sudan, Syria, Ukraine, Yemen, and Zimbabwe. These restrictions are subject to change, so please connect with our team to confirm if there is a solution for your country. This is specifically a residence requirement, so citizens of these countries who have since moved elsewhere may often be approved. We reserve the right to recommend other financial and digital banking institutions if our primary banking partner is not an option for you.

VirtualCoPro Compliance Obligations

As a company formation and compliance services provider, VirtualCoPro is required to comply with U.S. and international regulations, including anti-money laundering (AML), Bank Secrecy Act (BSA), FinCEN, and sanctions requirements. As a result:

• We cannot support prohibited businesses.
• For restricted businesses, we cannot guarantee banking approval or payment processor access.
• Financial institutions may apply additional requirements based on their own internal policies.

We also have a responsibility to prevent the use of our services for activities that are likely to result in harm or unlawful violence. VirtualCoPro maintains a strict prohibition against supporting businesses that engage in or promote unlawful violent activity.

VirtualCoPro reserves the right to decline or discontinue support for businesses that are prohibited, restricted, or unable to meet applicable compliance requirements.

Termination

The Website contains information on how to terminate your account for subscription services. If you have purchased use of a subscription service for a specific term, such termination will be effective on the last day of the then-current term. Your order form may provide that a renewal term will begin automatically unless either party provides notice of termination thirty (30) days prior to the commencement of the next renewal term. If you fail to comply with any provision of these Terms of Use, the Company may terminate these Terms of Use immediately and retain any fees previously paid by you. Upon any termination of these Terms of Use, you must cease any further use of the Website. If at any time you are not happy with the Website, your sole remedy is to cease using the services and follow this termination process. Any provisions in these Terms of Use which are required to fulfill their essential purpose shall survive termination.

Changes to the Terms of Use

We may revise and update these Terms of Use from time to time in our sole discretion. All changes are effective immediately when we post them and apply to all access to and use of the Website thereafter. However, any changes to the dispute resolution provisions set out in Governing Law and Jurisdiction will not apply to any disputes for which the parties have actual notice on or before the date the change is posted on the Website. Your continued use of the Website following the posting of revised Terms of Use means that you accept and agree to the changes. You are expected to check this page from time to time so you are aware of any changes, as they are binding on you.

Accessing the Website and Account Security

We reserve the right to withdraw or amend this Website, and any service or material we provide on the Website, in our sole discretion without notice. We will not be liable if, for any reason, all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including registered users.

You are responsible for both making all arrangements necessary for you to have access to the Website, and ensuring that all persons who access the Website through your internet connection are aware of these Terms of Use and comply with them. To access the Website or some of the resources it offers, you may be asked to provide certain registration details or other information. It is a condition of your use of the Website that all the information you provide on the Website is correct, current, and complete. You agree that all information you provide to register with this Website or otherwise is governed by our Privacy Policy, and you consent to all actions we take with respect to your information consistent with our Privacy Policy.

If you choose, or are provided with, a user name, password, or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your account is personal to you and agree not to provide any other person with access to this Website or portions of it using your user name, password, or other security information. You agree to notify us immediately of any unauthorized access to or use of your user name or password or any other breach of security. We have the right to disable any user name, password, or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of these Terms of Use.

Intellectual Property Rights

The Website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by the Company, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. These Terms of Use permit you to use the Website for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Website, except as incidental to normal browsing or as we expressly permit. No right, title, or interest in or to the Website or any content on the Website is transferred to you, and all rights not expressly granted are reserved by the Company. If you wish to make any use of material on the Website other than that set out in this section, please address your request to support@startupmiracle.com.

Trademarks

The Company name, the VirtualCoPro name and logo, and all related names, logos, product and service names, designs, and slogans are trademarks of the Company or its affiliates or licensors. You must not use such marks without the prior written permission of the Company. All other names, logos, product and service names, designs, and slogans on this Website are the trademarks of their respective owners.

Prohibited Uses

You may use the Website only for lawful purposes and in accordance with these Terms of Use. You agree not to use the Website in any way that violates any applicable federal, state, local, or international law or regulation; to exploit or harm minors in any way; to transmit any advertising or promotional material without our prior written consent, including any "junk mail," "chain letter," "spam," or similar solicitation; to impersonate or attempt to impersonate the Company, a Company employee, another user, or any other person or entity; or to engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Website, or which may harm the Company or users of the Website. Additionally, you agree not to use the Website in any manner that could disable, overburden, damage, or impair the site; use any robot, spider, or other automatic device, process, or means to access the Website for any purpose; introduce any viruses, Trojan horses, worms, logic bombs, or other malicious or technologically harmful material; attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Website; or attack the Website via a denial-of-service attack or a distributed denial-of-service attack.

User Contributions

The Website may contain dashboards, notifications, uploaded documents, and other interactive features (collectively, "Interactive Services") that allow users to post, submit, publish, display, or transmit content or materials (collectively, "User Contributions"). All User Contributions must comply with the Content Standards set out in these Terms of Use. Any User Contribution you post to the site will be considered non-confidential and non-proprietary. By providing any User Contribution on the Website, you grant us and our affiliates and service providers, and each of their and our respective licensees, successors, and assigns the right to use, reproduce, modify, perform, display, distribute, and otherwise disclose to third parties any such material for any purpose according to your account settings. You represent and warrant that you own or control all rights in and to the User Contributions and that all of your User Contributions comply with these Terms of Use. You understand and acknowledge that you are responsible for any User Contributions you submit or contribute, and that you, not the Company, have full responsibility for such content, including its legality, reliability, accuracy, and appropriateness.

Monitoring and Enforcement; Termination

We have the right to remove or refuse to post any User Contributions for any or no reason in our sole discretion; to take any action with respect to any User Contribution that we deem necessary or appropriate; to disclose your identity or other information about you to any third party who claims that material posted by you violates their rights; to take appropriate legal action, including referral to law enforcement, for any illegal or unauthorized use of the Website; and to terminate or suspend your access to all or part of the Website for any or no reason. You waive and hold harmless the Company and its affiliates, licensees, and service providers from any claims resulting from any action taken by the Company during, or taken as a consequence of, investigations by either the Company or law enforcement authorities. We cannot review all material before it is posted on the Website and cannot ensure prompt removal of objectionable material after it has been posted. Accordingly, we assume no liability for any action or inaction regarding transmissions, communications, or content provided by any user or third party.

Content Standards

These content standards apply to any and all User Contributions and use of Interactive Services. User Contributions must in their entirety comply with all applicable federal, state, local, and international laws and regulations. Without limiting the foregoing, User Contributions must not contain any material that is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory, or otherwise objectionable; promote sexually explicit or pornographic material, violence, or discrimination; infringe any patent, trademark, trade secret, copyright, or other intellectual property right; violate the legal rights of others; be likely to deceive any person; promote any illegal activity; impersonate any person or misrepresent your identity or affiliation; or give the impression that they emanate from or are endorsed by us if this is not the case.

Copyright Infringement

If you believe that any User Contributions violate your copyright, please send an email to support@startupmiracle.com for instructions on sending us a notice of copyright infringement.

Reliance on Information Posted

The information presented on or through the Website is made available solely for general information purposes. We do not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents. This Website may include content provided by third parties. All statements and opinions expressed in these materials, other than the content provided by the Company, are solely the opinions and the responsibility of the person or entity providing those materials and do not necessarily reflect the opinion of the Company.

Third-Party Service Providers for IRS and Banking Services

The Company may utilize the services of third-party providers to assist in completing certain filings with the Internal Revenue Service (IRS), to provide banking and financial services, and to provide other components of our services. By using VirtualCoPro's services, you acknowledge and agree that VirtualCoPro may share necessary information with such providers to facilitate the completion of these services on your behalf, which may include personal and business data required for tax filings, banking applications, or identity verification. You understand and acknowledge that these providers operate independently from VirtualCoPro and have their own terms of use and privacy policies governing their services. By utilizing those services through VirtualCoPro, you agree to abide by the applicable providers' terms of use and privacy policies. VirtualCoPro does not control, endorse, or guarantee the accuracy, relevance, or quality of those providers' services, and any interactions, transactions, or disputes between you and a provider are solely between you and that provider. VirtualCoPro reserves the right to add, remove, or modify the use of third-party service providers at any time without prior notice.

Changes to the Website

We may update the content on this Website from time to time, but its content is not necessarily complete or up-to-date. Any of the material on the Website may be out of date at any given time, and we are under no obligation to update such material.

Information About You and Your Visits to the Website

All information we collect on this Website is subject to our Privacy Policy. By using the Website, you consent to all actions taken by us with respect to your information in compliance with the Privacy Policy.

Online Purchases and Other Terms and Conditions

All purchases through our site or other transactions for the sale of goods, products, services, or information formed through the Website, or resulting from visits made by you, are governed by these Terms of Use, which are hereby incorporated herein. Additional terms and conditions may also apply to specific portions, services, or features of the Website. All such additional terms and conditions are hereby incorporated by this reference into these Terms of Use.

Linking to the Website and Social Media Features

You may link to our homepage, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval, or endorsement on our part without our express written consent. You agree to cooperate with us in causing any unauthorized framing or linking to immediately stop. We reserve the right to withdraw linking permission without notice, and we may disable all or any social media features and any links at any time without notice in our discretion.

Links from the Website

If the Website contains links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third-party websites linked to this Website, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.

Geographic Restrictions

The owner of the Website is based in the State of Florida in the United States. Access to the Website may not be legal by certain persons or in certain countries. If you access the Website from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.

Disclaimer of Warranties

You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or the Website will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data. To the fullest extent provided by law, we will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses, or other technologically harmful material that may infect your computer equipment, computer programs, data, or other proprietary material due to your use of the Website or any services or items obtained through the Website.

Your use of the Website, its content, and any services or items obtained through the Website is at your own risk. The Website, its content, and any services or items obtained through the Website are provided on an "as is" and "as available" basis, without any warranties of any kind, either express or implied. Neither the Company nor any person associated with the Company makes any warranty or representation with respect to the completeness, security, reliability, quality, accuracy, or availability of the Website. To the fullest extent provided by law, the Company hereby disclaims all warranties of any kind, whether express or implied, statutory, or otherwise, including but not limited to any warranties of merchantability, non-infringement, and fitness for a particular purpose. The foregoing does not affect any warranties that cannot be excluded or limited under applicable law.

Limitation on Liability

To the fullest extent provided by law, in no event will the Company, its affiliates, or their licensors, service providers, employees, agents, officers, or directors be liable for damages of any kind, under any legal theory, arising out of or in connection with your use, or inability to use, the Website, any websites linked to it, any content on the Website or such other websites, including any direct, indirect, special, incidental, consequential, or punitive damages, including but not limited to personal injury, pain and suffering, emotional distress, loss of revenue, loss of profits, loss of business or anticipated savings, loss of use, loss of goodwill, loss of data, and whether caused by tort (including negligence), breach of contract, or otherwise, even if foreseeable. The foregoing does not affect any liability that cannot be excluded or limited under applicable law.

Indemnification

You agree to defend, indemnify, and hold harmless the Company, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms of Use or your use of the Website, including, but not limited to, your User Contributions, any use of the Website's content, services, and products other than as expressly authorized in these Terms of Use, or your use of any information obtained from the Website.

Governing Law and Jurisdiction

All matters relating to the Website and these Terms of Use, and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of Florida without giving effect to any choice or conflict of law provision or rule. Any legal suit, action, or proceeding arising out of, or related to, these Terms of Use or the Website shall be instituted exclusively in the courts of the City of Miami, in the State of Florida, although we retain the right to bring any suit, action, or proceeding against you for breach of these Terms of Use in your country of residence or any other relevant country. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

Arbitration

At the Company's sole discretion, it may require you to submit any disputes arising from these Terms of Use or use of the Website, including disputes arising from or concerning their interpretation, violation, invalidity, non-performance, or termination, to final and binding arbitration under the Rules of Arbitration of the American Arbitration Association applying Florida law.

Waiver and Severability

No waiver by the Company of any term or condition set out in these Terms of Use shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of the Company to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision. If any provision of these Terms of Use is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Use will continue in full force and effect.

Entire Agreement

The Terms of Use and our Privacy Policy and any applicable Service Agreement constitute the sole and entire agreement between you and StartupMiracle.com regarding the Website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Website.

Your Comments and Concerns

This Website is operated by StartupMiracle.com. VirtualCoPro's address is 6700 NW 77th Ct #200, Doral, FL 33166. All notices, including notices of copyright infringement claims, and all feedback, comments, requests for technical support, and other communications relating to the Website should be directed to support@startupmiracle.com.