Disclaimer
The calculations, simulations, and information provided by Venturo (the "Application") are for informational and educational purposes only. They are not intended to constitute financial, tax, legal, or investment advice. Venturo is not a financial advisor, tax professional, or legal counsel, and the use of the Application does not create a professional-client relationship.
No Guarantee of Accuracy
While Venturo strives to provide accurate and up-to-date calculations based on the data input by users and publicly available information, the Application relies on user-provided data and certain assumptions that may not reflect your specific financial situation. Calculations, including but not limited to Alternative Minimum Tax (AMT), capital gains tax, and other tax implications, are estimates and may not account for all variables, such as changes in tax laws, state-specific regulations, or individual circumstances. Venturo does not guarantee the accuracy, completeness, or reliability of any calculations or results provided.
Calculator Assumptions
The calculations and simulations provided by Venturo are based on the following assumptions, which may not apply to all users or scenarios:
- Standard Tax Deduction: Calculations assume the user is taking the standard federal tax deduction and do not account for itemized deductions.
- ISO Exercise as Sole AMT Preference Item: The Alternative Minimum Tax (AMT) calculations assume that the Incentive Stock Option (ISO) exercise is the only AMT preference item for the tax year.
- Exclusion of State Taxes: The model does not include state or local taxes, which may significantly impact the overall tax liability.
- No Other ISO Exercises or AMT Preference Items: Calculations assume no additional ISO exercises or other AMT preference items occur within the same tax year.
- Ordinary Income Taxation: Income from stock option exercises or sales is assumed to be taxed as ordinary income, not as long-term capital gains, unless otherwise specified.
- Limited Filing Status Options: The Application does not yet support calculations for "Married Filing Separately" or "Head of Household" tax filing statuses. Calculations are based on "Single" or "Married Filing Jointly" statuses only until further support is built.
- Tax Data Currency: Calculations are based on federal tax brackets and rules as of January 1, 2025. Venturo may update these calculations periodically, but users are responsible for verifying the applicability of tax data to their situation.
Users should verify whether these assumptions align with their specific financial and tax circumstances before relying on the results.
Data Usage
Venturo reserves the right to use anonymized and aggregated data collected through the Application for purposes such as improving the Application, conducting research, and generating insights or reports. Anonymized data is stripped of any personally identifiable information and cannot be linked back to individual users. By using the Application, you consent to the collection and use of such anonymized data in accordance with our Privacy Policy. If you wish to opt out of anonymized data usage, please contact us at support@getventuro.com or review the opt-out options in our Privacy Policy. Continued use of the Application constitutes consent to the use of anonymized data as described.
Intellectual Property
All content, features, and functionality of the Venturo Application, including but not limited to software, designs, visualizations, and documentation, are the exclusive property of Venturo or its licensors and are protected by copyright, trademark, and other intellectual property laws. Users may not reproduce, distribute, modify, or create derivative works of the Application or its content without prior written consent from Venturo.
Prohibited Uses
Users may not use the Application for any illegal, unauthorized, or unintended purposes. Prohibited activities include, but are not limited to:
- Attempting to reverse-engineer, decompile, or hack the Application.
- Sharing login credentials or providing access to unauthorized users.
- Using the Application to process data that violates applicable laws or regulations.
- Engaging in any activity that disrupts or interferes with the Application's functionality or security.
Venturo reserves the right to suspend or terminate access for users who violate these terms.
Subscription and Payment Terms
Use of the Application's premium features is subject to the terms of your subscription plan, as outlined in Venturo's Terms of Service and Stripe's payment processing terms. Users are responsible for maintaining accurate payment information and complying with payment obligations. For details on subscription plans, pricing, and management, please visit https://x.ai/grok or contact support@getventuro.com.
Forward-Looking Statements
The Application's simulations, projections, and calculations, including but not limited to tax estimates and vesting schedules, are forward-looking and based on assumptions about future events, market conditions, and user inputs. Actual outcomes may differ materially due to factors such as changes in tax laws, market volatility, or inaccuracies in user-provided data. Venturo does not guarantee the realization of any projected outcomes.
Age Restriction
The Application is intended for use by individuals who are at least 18 years of age. By using the Application, you represent and warrant that you are 18 or older. Venturo does not knowingly collect or process data from users under 18.
Privacy Policy
Venturo is committed to protecting your privacy. For detailed information on how we collect, use, store, and protect your personal and anonymized data, please review our Privacy Policy at [https://getventuro.com/privacy-policy]. By using the Application, you agree to the terms outlined in the Privacy Policy.
Consult a Professional
Users are strongly encouraged to consult with qualified financial advisors, tax professionals, or legal counsel before making any decisions based on the calculations or simulations provided by the Application. This includes, but is not limited to, decisions regarding the exercise of stock options, sale of private stock, or tax planning. Venturo is not responsible for any financial losses, tax liabilities, or other consequences resulting from the use of the Application.
Tax and Regulatory Considerations
Tax laws and regulations, including those related to stock options, private stock, and the Alternative Minimum Tax (AMT), are complex and subject to change. The Application's calculations are based on federal tax rules and certain assumptions as of the date of use, but they may not reflect current or future state, local, or international tax laws. The Application is designed for users subject to U.S. federal tax laws. International users are responsible for ensuring compliance with their local tax and regulatory requirements. Users are responsible for verifying the applicability of any calculations to their specific jurisdiction and circumstances.
Limitation of Liability
To the fullest extent permitted by law, Venturo, its affiliates, and its developers shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from the use of or reliance on the Application's calculations or simulations. This includes, but is not limited to, errors in calculations, misinterpretation of results, or decisions made based on the Application's outputs.
User Responsibility
Users are solely responsible for the accuracy and completeness of the data they input into the Application, including but not limited to grant details, stock fair market value (FMV), income, and tax filing status. Venturo is not responsible for errors or omissions in user-provided data or for any consequences arising from such errors.
Third-Party Data and Services
The Application may integrate with or rely on third-party services, such as Supabase for data storage or Stripe for payment processing. Venturo is not responsible for the accuracy, security, or availability of third-party services or data. Users should review the terms and privacy policies of any third-party services used by the Application.
Accessibility Statement
Venturo is committed to ensuring the Application is accessible to all users. We strive to comply with Web Content Accessibility Guidelines (WCAG) 2.1. For accessibility support, please contact support@getventuro.com.
Beta Phase Disclaimer
Venturo is currently in its Minimum Viable Product (MVP) phase. Some features may be incomplete or subject to change. Users assume all risks associated with using a developing application.
Governing Law and Jurisdiction
These disclosures and your use of the Application are governed by the laws of Delaware, United States, without regard to its conflict of law principles. Any disputes arising from the use of the Application shall be resolved exclusively in the state or federal courts located in New Castle County, Delaware.
Changes to Disclosures
Venturo reserves the right to update or modify these disclosures at any time without prior notice. Continued use of the Application constitutes acceptance of the updated disclosures.
Contact Information
For questions or concerns regarding these disclosures or the Application, please contact us at support@getventuro.com.
Last Updated: May 10, 2025