Legal

Terms and Conditions

Effective date: October 2, 2026

These Terms and Conditions (these "Terms") govern your use of the website at valorahq.com, including all content, tools, calculators, and services offered through it (collectively, the "Site"). The Site is operated by SpacesOS Inc. ("Valora," "we," "us," or "our"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, do not use the Site.

United States users only

The Site is directed at, and intended for, individuals located in the United States. The content and services described on the Site are oriented to the United States market, United States law, and United States financial regulation. If you access the Site from outside the United States, you do so on your own initiative and are responsible for compliance with the laws of your jurisdiction.

What Valora is, and what it is not

Valora publishes educational information about financial planning and provides an inquiry route through which you can tell us what you are trying to figure out. We review each request by hand and respond by email. Valora is not a registered investment adviser, broker-dealer, law firm, or accounting firm, and the Site does not provide investment, legal, tax, accounting, or financial advice.

Valora does not currently operate a public advisor directory, and we are not arranging advisor matches or introductions. Any advisor or firm mentioned in our educational content is independent, is not an employee, agent, partner, or representative of Valora, and is not endorsed by us.

No professional advice and no professional relationship

All content on the Site, including articles, guides, and calculator results, is provided for general informational and educational purposes only. It does not take into account your objectives, financial situation, or needs, and it is not a recommendation, offer, or solicitation to buy or sell any security or to adopt any strategy.

Your use of the Site, including submitting a request form, does not create an advisory, fiduciary, attorney-client, accountant-client, or any other professional relationship between you and Valora. No attorney-client relationship is created by anything on this Site or by contacting us. If you engage an advisor now or in the future, that relationship is solely between you and the advisor, under the terms you agree with them.

Before making any financial, legal, or tax decision, consult a qualified professional who understands your specific circumstances.

Request forms

When you submit a request form on the Site, the information you provide is used to review your request and respond to you by email. Submissions are processed through a Google Apps Script into an internal Google Sheet, as described in our Privacy Policy. Submitting a form does not guarantee a response within any particular time, and it does not authorize us to share your answers with any advisor. We do not forward request information to advisors.

If a referral or introduction service is ever offered in the future, it will be described in an updated version of these Terms before it operates.

Calculators and estimates

The calculators on the Site produce simplified estimates based on the inputs you provide and stated assumptions. They are illustrations only: they ignore many real-world variables, they are not predictions, and they must not be relied on as financial, tax, or investment advice. Actual results will differ.

Your submissions

You are responsible for the accuracy of information you submit through the Site. Please do not send us sensitive personal information such as Social Security numbers, account numbers, passwords, or full statements; the Site is not designed to receive them, and you send any such information at your own risk.

By submitting content to the Site (for example, a question through a request form), you grant Valora a non-exclusive, royalty-free right to use that submission to operate the Site and respond to you. We do not publish your submissions or use them in marketing without your permission.

Acceptable use

You agree not to: (a) use the Site for any unlawful purpose; (b) scrape, crawl, or bulk-copy the Site or its content by automated means without our written permission; (c) interfere with or disrupt the Site, its security, or its infrastructure; (d) misrepresent your identity or affiliation; or (e) use the Site's content to build a competing service.

Intellectual property

The Site and its original content, including text, design, graphics, and the Valora name and logo, are owned by or licensed to Valora and are protected by United States and international intellectual property laws. We grant you a limited, non-exclusive, non-transferable license to access and view the Site for your personal, non-commercial use. You may not reproduce, distribute, modify, or create derivative works from Site content without our prior written consent, except as permitted by law. Names, logos, and trademarks of third parties mentioned on the Site belong to their respective owners.

The Site relies on third-party services, including Google (Apps Script, Sheets, and email, which power our request forms), PostHog (our analytics provider), and RB2B (business visitor identification), and may link to third-party websites. We do not control and are not responsible for the content, policies, or practices of third-party services or sites. Your use of them is governed by their own terms and privacy policies.

The conversation guide provides reviewed educational information only; it does not provide personalized advice, advisor matches or bookings.

Disclaimers

THE SITE AND ALL CONTENT, TOOLS, AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ANY CONTENT IS COMPLETE OR CURRENT.

Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, VALORA AND ITS OWNERS, OFFICERS, EMPLOYEES, AND AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SITE, ANY CONTENT, ANY CALCULATOR RESULT, OR ANY INTERACTION WITH ANY THIRD PARTY. TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SITE OR THESE TERMS IS LIMITED TO ONE HUNDRED US DOLLARS (US $100). SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO PARTS OF THIS SECTION MAY NOT APPLY TO YOU.

Indemnification

You agree to indemnify, defend, and hold harmless Valora and its owners, officers, employees, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Site, your violation of these Terms, or your violation of any law or the rights of any third party.

Dispute resolution and governing law

Before filing any claim, you agree to contact us at barot@valorahq.com and give us at least thirty (30) days to try to resolve the dispute informally.

These Terms and any dispute arising out of or relating to them or the Site are governed by the laws of the State of Delaware, without regard to conflict-of-law principles. Subject to the informal-resolution paragraph above, any legal action or proceeding relating to the Site or these Terms must be brought exclusively in the state or federal courts located in Delaware, and you consent to the jurisdiction of those courts.

Changes to these Terms

We may update these Terms from time to time. When we do, we will revise the effective date at the top of this page. Material changes take effect when posted unless stated otherwise. Your continued use of the Site after changes are posted means you accept the updated Terms.

Contact

Questions about these Terms: barot@valorahq.com.