Terms of Service
**Last updated: September 2025**
Welcome to ValuWiki. By accessing or using our website or services, you agree to these Terms of Service. Please read them carefully.
### 1. Who We Are
ValuWiki Inc.
4450, 1007 N Orange St. 4th Floor
Wilmington, DE, New Castle, US, 19801
### 2. Use of Services
You may use ValuWiki for research and informational purposes in compliance with these Terms. You agree not to misuse the platform, attempt to interfere with its security, or violate applicable laws.
### 3. Intellectual Property
All content on this site and within the ValuWiki platform — including text, graphics, logos, and software — is the property of ValuWiki Inc. or its licensors. You may not copy, modify, distribute, or reverse engineer any part of the service without prior written consent.
### 4. Privacy & Data Use
Your trust is central.
- Private by default. Files you upload are private to your account.
- Optional syncs. Integrations with Google Drive or OneDrive are enabled only with your explicit consent.
- No training without opt-in. We do not use your documents to train or improve models unless you separately and explicitly agree.
Please see our Security & Privacy page for full details.
### 5. User Accounts and Conduct
You are responsible for securing your login credentials and for all activity under your account. Misuse — including illegal activities, infringement of others' rights, or abuse of the platform — may result in suspension or termination.
### 6. Disclaimer — AI-Generated Content
ValuWiki provides tools to help users search, summarize, and interrogate documents using large language models (LLMs) and vision-language models (VLMs). Outputs are automatically generated based on the content you provide and public or licensed data sources.
- No investment advice. ValuWiki does not provide investment recommendations and is not a registered investment adviser or broker-dealer.
- For research support only. Generated content is informational. Do not rely on it as the basis for investment decisions.
- Your responsibility. Users are solely responsible for reviewing, verifying, and interpreting any output. Always consult your own financial, legal, or tax professionals before making investment decisions.
- Liability disclaimer. ValuWiki disclaims liability for decisions made based on AI-generated content.
### 7. Indemnification
You agree to indemnify and hold harmless ValuWiki Inc. from any claims, damages, or expenses arising from your use of the services or violation of these Terms.
### 8. Limitation of Liability
To the maximum extent permitted by law, our liability is limited to the greater of (i) $100 or (ii) the fees you paid us in the prior 12 months. We are not liable for indirect, incidental, or consequential damages.
### 9. Governing Law & Dispute Resolution
These Terms are governed by the laws of the State of Delaware, USA.
Any dispute, claim, or controversy will be resolved by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. The arbitration shall be conducted in New Castle County, Delaware.
You waive the right to participate in class actions or class-wide arbitration.
### 10. Changes to Terms
We may modify these Terms from time to time. Updated Terms will be posted with a new "Last Updated" date. Continued use of ValuWiki after changes constitutes acceptance.
### 11. Contact
For questions about these Terms, contact us: