Terms and Conditions

1. Acceptance of Terms

By accessing or using the Valorwyck Finance website, submitting information through our forms, or engaging with any of our tools and materials, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree with any part of these Terms, you should discontinue use of the site and our services immediately.

2. Description of Services

Valorwyck Finance provides AI-assisted data analysis and decision-support tools intended to help first-time investors organize and interpret publicly available financial information. Our services do not constitute personalized financial, investment, tax, or legal advice, and no output generated through our platform should be treated as a recommendation to buy, sell, or hold any particular security or financial instrument.

All analysis, reports, and materials provided are for informational and educational purposes only. Users remain solely responsible for their own investment decisions and are encouraged to consult a licensed financial advisor before acting on any information obtained through our services.

3. Eligibility

You must be at least the age of majority in your province or territory of residence in Canada to use our services. By using the website, you represent that you meet this requirement and that any information you provide is accurate, current, and complete.

4. User Responsibilities

You agree to use the Valorwyck Finance website and services only for lawful purposes and in a manner that does not infringe the rights of, or restrict or inhibit the use and enjoyment of, this site by any third party. You are responsible for maintaining the confidentiality of any account credentials associated with your use of our services and for all activity that occurs under your account.

5. No Guarantee of Results

Investing involves risk, including the possible loss of principal. Valorwyck Finance makes no representation or warranty regarding the accuracy, completeness, or reliability of any analysis, projection, or output generated by our tools. Past performance data, where referenced, is not indicative of future results. Nothing on this website should be construed as a guarantee of any particular financial outcome.

6. Intellectual Property

All content on the Valorwyck Finance website, including text, graphics, logos, software, and underlying methodology, is the property of Valorwyck Finance or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any part of this website without our prior written consent.

7. Limitation of Liability

To the fullest extent permitted by applicable law, Valorwyck Finance, its affiliates, officers, and employees shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with your use of, or inability to use, the website or services, including but not limited to financial losses resulting from investment decisions made in reliance on information obtained through our platform.

8. Third-Party Links and Services

Our website may contain links to third-party websites or services that are not owned or controlled by Valorwyck Finance. We assume no responsibility for the content, privacy policies, or practices of any third-party sites. Your interactions with any such third parties are governed solely by their respective terms and policies.

9. Termination

We reserve the right to suspend or terminate your access to our services at our sole discretion, without prior notice, if we believe you have violated these Terms or engaged in conduct that may harm Valorwyck Finance, other users, or third parties.

10. Changes to These Terms

Valorwyck Finance may update these Terms from time to time to reflect changes in our services, legal requirements, or business practices. Any updates will be posted on this page, and continued use of the website following such changes constitutes your acceptance of the revised Terms. We encourage you to review this page periodically.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the province of Manitoba and the applicable federal laws of Canada, without regard to conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in Manitoba.

12. Contact Information

If you have questions regarding these Terms and Conditions, please reach out to us through the contact channels listed on our Contact page.