Valarn Terms of Service

Last Updated: [Insert Date]

Welcome to Valarn. These Terms of Service govern your access to and use of the Valarn website, application, AI-generated stock research tools, reports, dashboards, subscriptions, alerts, saved research, stock discovery features, advertising features, social sharing features, and related services.

By accessing or using Valarn, you agree to these Terms. If you do not agree to these Terms, do not use Valarn.

These Terms apply to all users, including visitors, free users, paid subscribers, beta users, advertisers, partners, referral users, and users who access Valarn from outside the United States.

1. About Valarn

Valarn is an AI-powered stock research platform that provides educational and informational research tools for publicly traded companies, market trends, financial data, news, sentiment, technical analysis, fundamentals, earnings, catalysts, insider activity, valuation scenarios, risk analysis, and related research workflows.

Valarn may generate AI-assisted reports, summaries, dashboards, watchlists, calendar events, stock discovery content, trending stock lists, alerts, notifications, saved research history, audio summaries, and other investment-research-style outputs.

Valarn is operated by:

[Insert Legal Company Name]
[Insert Business Address]
[Insert Support Email]
Website: https://valarn.com

2. Educational and Informational Use Only

Valarn is provided for educational and informational purposes only.

Valarn does not provide personalized financial advice, investment advice, legal advice, tax advice, accounting advice, brokerage services, portfolio management services, or fiduciary services.

Nothing on Valarn should be interpreted as a recommendation to buy, sell, hold, short, trade, or otherwise transact in any stock, option, security, cryptocurrency, fund, commodity, derivative, or other financial instrument.

You are solely responsible for your own investment, trading, financial, tax, and business decisions. Before making any investment decision, you should conduct your own research and consult a qualified financial adviser, investment professional, attorney, accountant, or tax professional.

3. No Investment Adviser, Broker, or Fiduciary Relationship

Valarn is not a registered investment adviser, broker-dealer, securities exchange, financial planner, portfolio manager, or fiduciary.

Your use of Valarn does not create an adviser-client relationship, broker relationship, fiduciary relationship, agency relationship, or any other professional relationship between you and Valarn.

Valarn does not:

manage assets;
execute trades;
hold customer funds;
provide custody services;
open brokerage accounts;
provide personalized investment recommendations;
determine your financial suitability;
monitor your portfolio on your behalf;
act in your best interest as a fiduciary;
provide tax, legal, accounting, or financial planning advice.

Valarn does not consider your full financial situation, investment objectives, income, net worth, tax position, risk tolerance, investment horizon, liquidity needs, or personal circumstances unless a feature expressly asks for limited user preferences for educational research filtering. Even then, Valarn outputs remain educational and informational only.

4. No Financial Promotion or Solicitation

Valarn content is not intended to be a financial promotion, solicitation, offer, invitation, inducement, or recommendation in any jurisdiction.

Valarn does not solicit users to purchase, sell, or hold any security or financial product.

If you access Valarn from outside the United States, you are responsible for complying with your local securities, investment, advertising, financial promotion, consumer protection, privacy, and data protection laws.

5. AI-Generated Content Disclaimer

Valarn uses artificial intelligence, machine learning models, large language models, automated workflows, third-party data, financial data APIs, market data tools, and algorithmic analysis to generate research outputs.

AI-generated content may be inaccurate, incomplete, outdated, biased, misleading, or based on incorrect assumptions. AI systems may misinterpret market data, financial statements, filings, news, sentiment, earnings, analyst commentary, insider activity, macroeconomic conditions, or company fundamentals.

Valarn reports may include, but are not limited to:

bull-case analysis;
bear-case analysis;
base-case analysis;
scenario targets;
risk summaries;
earnings analysis;
insider activity summaries;
technical indicators;
sentiment summaries;
news summaries;
catalyst tracking;
sector analysis;
valuation analysis;
thesis stress tests;
stock discovery content;
trending stock summaries;
watchlist explanations;
calendar event summaries;
audio summaries;
AI-generated research opinions;
AI-generated conclusions;
AI-generated scores, ratings, or research stances.

These outputs are not predictions, guarantees, personalized recommendations, or instructions to trade.

You should independently verify all information before relying on it.

6. AI Transparency

Valarn uses AI systems to generate summaries, comparisons, scenarios, explanations, research-style analysis, and educational outputs.

AI-generated content may be labeled, disclosed, or otherwise identifiable within the platform. However, all Valarn-generated research outputs should be treated as AI-assisted unless clearly stated otherwise.

Valarn does not make automated decisions that produce legal, financial, or similarly significant effects for users. Users remain responsible for all investment, trading, financial, tax, legal, and business decisions.

Valarn outputs are designed to support user research, not replace human judgment. Users must review outputs, verify data, evaluate assumptions, and make independent decisions.

7. Market Risk Disclaimer

Investing involves risk. You may lose some or all of your money.

Past performance does not guarantee future results. Market prices can change rapidly due to earnings, macroeconomic events, liquidity, interest rates, company-specific news, analyst actions, regulatory changes, geopolitical events, insider activity, sector trends, credit conditions, market sentiment, and other factors.

Valarn does not guarantee the accuracy, profitability, completeness, suitability, timeliness, or outcome of any report, signal, thesis, score, target, scenario, alert, ranking, watchlist, calendar event, notification, or analysis generated by the platform.

8. Research Stances, Scores, and Scenario Targets

Valarn may generate research stances, confidence scores, risk scores, scenario targets, bull-case targets, bear-case targets, base-case ranges, valuation estimates, or other educational indicators.

These outputs are not price targets, investment recommendations, personalized advice, or instructions to trade.

Any bull-case, bear-case, base-case, rating, score, scenario target, or research stance is an educational research output generated from available data and AI analysis. It may be wrong, incomplete, outdated, or unsuitable for your circumstances.

You should not rely on any single Valarn score, target, stance, or report as the basis for an investment decision.

9. Reports Are Not Current Unless Refreshed

Valarn may allow users to generate, save, access, download, organize, revisit, refresh, or rerun AI-generated stock research reports.

A saved report reflects information available, retrieved, or analyzed at or near the time the report was generated. It does not represent ongoing monitoring, live analysis, or a current view of the stock unless the report is rerun, refreshed, or updated.

Market data, company fundamentals, news, earnings expectations, analyst estimates, sentiment, valuation assumptions, and risk conditions may change after a report is generated.

You are responsible for checking report dates, data freshness, assumptions, source information, and market conditions before using a saved report.

10. Stored Reports and Research History

Valarn may store user research activity, including:

generated reports;
saved reports;
report history;
watchlists;
stock symbols searched;
calendar events;
alerts;
notification preferences;
model selections;
report settings;
report depth choices;
notes;
prompts;
usage history;
billing plan information;
research metadata;
timestamps;
device and account metadata.

Stored reports may be tied to your account and may reveal information about your research interests and platform activity.

Valarn does not guarantee that stored reports, watchlists, notes, alerts, calendar events, or research history will remain available forever.

We may delete, archive, restrict, or limit access to stored data based on subscription plan, account status, storage limits, legal obligations, data retention policies, security requirements, operational needs, or product changes.

You are responsible for exporting or saving any reports you wish to keep permanently.

11. Report Audit Trail and Freshness Information

Valarn may store or display metadata related to generated reports, including:

report generation date;
report generation time;
stock symbol;
data freshness timestamp;
sources or data feeds used;
AI model or model category used;
report settings;
analysis mode;
user-selected options;
source availability;
refresh history;
disclaimers;
version history.

This information may be used for platform reliability, user experience, compliance support, quality improvement, debugging, security, billing, and dispute resolution.

12. Data Sources and Third-Party Information

Valarn may use third-party data providers, APIs, financial data services, market data vendors, public filings, news sources, social sentiment sources, analyst data, earnings calendars, IPO calendars, insider transaction data, congressional trading data, advertising networks, analytics tools, AI model providers, cloud providers, and other external services.

We do not guarantee that third-party data is accurate, complete, timely, available, current, or error-free.

Data may be delayed, revised, unavailable, incorrectly classified, incomplete, stale, corrupted, or misinterpreted.

Valarn is not responsible for losses, damages, trading decisions, missed opportunities, or other outcomes resulting from inaccurate, delayed, unavailable, incomplete, or misinterpreted third-party data.

13. User Accounts

To access certain features, you may need to create an account.

You agree to provide accurate, current, and complete information and to keep your account information updated.

You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account.

You must notify us immediately if you believe your account has been compromised.

We may suspend, restrict, or terminate accounts that provide false information, violate these Terms, bypass security controls, misuse the platform, create operational risk, fail to pay fees, abuse usage limits, or violate applicable law.

14. Eligibility

You must be at least 18 years old, or the age of majority in your jurisdiction, to use Valarn.

By using Valarn, you represent that you have the legal capacity to agree to these Terms.

If you use Valarn on behalf of a company, organization, fund, school, investment club, community, or other entity, you represent that you have authority to bind that entity to these Terms.

15. Subscriptions, Billing, and Usage Limits

Valarn may offer free and paid subscription plans.

Paid plans may include access to additional reports, AI models, premium research features, audio summaries, advanced data feeds, customization options, higher usage limits, saved research history, alerts, calendar features, export features, API features, or other premium tools.

By purchasing a paid subscription, you authorize Valarn or our payment processor to charge your selected payment method for applicable fees, taxes, renewals, overages, usage-based charges, credit purchases, add-ons, or other charges disclosed at checkout.

Subscription features, pricing, AI model access, report limits, usage caps, storage limits, credits, and plan benefits may change over time.

Valarn may enforce usage limits, including but not limited to:

reports per billing period;
stock symbols analyzed;
AI calls;
AI model access;
report depth;
analysis mode;
data feed access;
audio generation;
calendar event creation;
alert frequency;
saved report storage;
API usage;
credit-based usage;
rate limits;
fair use limits.

We may restrict, throttle, suspend, or terminate access if usage exceeds plan limits, creates excessive cost, causes platform instability, violates fair use expectations, bypasses billing controls, or creates security risk.

16. Recurring Billing and Auto-Renewal

Subscription fees may renew automatically unless canceled before the renewal date.

By subscribing, you authorize Valarn or our payment processor to charge your payment method on a recurring basis according to your selected plan.

Deleting your account, uninstalling an app, not using the service, or failing to log in does not automatically cancel your subscription unless the cancellation process is completed through the required billing provider or account settings.

If your payment method fails, we may retry payment, suspend access, downgrade your account, limit paid features, or terminate the subscription.

You are responsible for keeping your billing information current.

17. Plan Changes, Downgrades, and Feature Changes

If you upgrade, downgrade, or change your plan, your access to features, reports, saved history, credits, model options, storage, and usage limits may change.

Downgrading may cause loss of access to premium features or stored reports beyond the new plan’s limits.

Valarn may change plan names, pricing, included features, report limits, AI model availability, and usage policies at any time, subject to applicable law.

18. AI Model Selection and Cost Controls

Some Valarn plans may allow users to choose AI models, model providers, report depth, analysis modes, ensemble modes, or advanced research configurations.

Different models and configurations may have different costs, latency, capabilities, and limitations.

Valarn may limit, block, downgrade, or adjust model selections if they exceed plan limits, credit balances, cost caps, safety rules, security limits, fair use policies, or platform restrictions.

Valarn may change supported models at any time due to cost, availability, performance, provider changes, safety concerns, legal requirements, or business reasons.

19. Credits, Usage-Based Fees, and Overages

Valarn may offer credits, usage-based billing, report credits, AI credits, or add-on usage packages.

Credits may be consumed based on report type, model used, report depth, data feeds accessed, audio generation, file processing, exports, API calls, or other usage.

Unless otherwise stated:

credits have no cash value;
credits are non-transferable;
unused credits may expire;
unused credits may not roll over;
credits are not redeemable for cash;
credits may be revoked in cases of fraud, abuse, refund, chargeback, or violation of these Terms.

Valarn may prevent report generation or feature access if your usage would exceed your plan, available credits, or cost limits.

20. Free Trials, Promotions, and Waitlist Access

Valarn may offer free trials, promotional access, waitlist access, credits, beta access, discounted plans, invite-only access, or limited-time offers.

We may modify, revoke, limit, or discontinue free trials, promotions, or credits at any time.

Promotional access has no cash value and may expire.

We may require a valid payment method for certain free trials. If a trial converts into a paid subscription, you may be charged unless you cancel before the trial ends.

21. Cancellations and Refunds

You may cancel your subscription through your account settings or by contacting support at [Insert Support Email].

Cancellation stops future billing but does not automatically entitle you to a refund for past charges, partially used billing periods, unused reports, unused credits, unused features, or unused storage unless required by law or expressly stated in a separate refund policy.

Valarn may provide refunds at its sole discretion.

Separate refund terms may apply to annual plans, promotional plans, usage-based fees, credit purchases, enterprise plans, app store purchases, or beta access.

22. Taxes

Fees may be exclusive of taxes unless otherwise stated.

You are responsible for any applicable taxes, duties, levies, or governmental charges associated with your use of Valarn, except for taxes based on Valarn’s income.

Valarn or its payment processor may collect taxes where required by law.

23. Advertising, Sponsored Content, and Affiliate Links

Valarn may display advertising, sponsored content, promoted content, affiliate links, partner offers, referral links, commercially supported content, newsletter sponsorships, sponsored placements, or paid recommendations for third-party products and services.

Advertising and sponsored content may appear on the website, inside dashboards, in newsletters, in emails, in research discovery pages, in educational content, in social content, or in other parts of the platform.

We may receive compensation when users view, click, purchase, subscribe, register, or interact with certain ads, affiliate links, partner offers, or sponsored placements.

Valarn will make reasonable efforts to identify sponsored content, paid placements, native advertising, affiliate relationships, or material commercial relationships where required by law.

Advertising or sponsored content does not constitute financial advice, investment advice, endorsement, or a recommendation by Valarn to buy, sell, hold, or trade any security or product.

You are responsible for independently evaluating any advertised product, service, financial platform, broker, newsletter, data provider, investment product, or third-party offer.

24. No Endorsement of Advertisers or Third Parties

Valarn may show ads or links to third-party websites, products, services, brokers, exchanges, newsletters, financial platforms, software tools, educational products, or investment-related services.

Valarn does not control and is not responsible for third-party websites, products, services, claims, pricing, security, privacy practices, availability, accuracy, or content.

The presence of an advertisement, link, sponsorship, or partner offer does not mean Valarn endorses the advertiser, product, service, strategy, security, or investment opportunity.

Your interactions with advertisers and third parties are solely between you and the third party.

25. Editorial Independence

Advertisers, sponsors, affiliates, and partners do not control Valarn’s AI-generated research outputs, research methodology, risk analysis, educational conclusions, scores, scenario targets, or research stances unless expressly disclosed.

Valarn may display sponsored content or affiliate offers, but paid placement does not mean that an advertiser has influenced a report, stock analysis, research output, or educational conclusion.

If sponsored or paid relationships affect content placement, visibility, ranking, or display order, Valarn will make reasonable efforts to disclose that relationship where required.

26. Conflicts of Interest

Valarn, its owners, employees, contractors, affiliates, advertisers, sponsors, or partners may hold positions in securities, companies, funds, or financial products discussed on the platform.

Valarn may receive compensation from advertisers, affiliates, sponsors, partners, data providers, software providers, or other commercial relationships.

Users should consider potential conflicts of interest when reviewing platform content, advertisements, sponsored placements, stock discovery pages, watchlists, or research outputs.

Valarn does not guarantee that all potential conflicts will be identified in every report or piece of content.

27. Personalized Advertising and Tracking

Valarn may use cookies, pixels, analytics tools, advertising technologies, device identifiers, affiliate tracking links, referral tracking tools, and similar technologies to operate the platform, measure performance, understand usage, improve marketing, prevent fraud, personalize content, and deliver or measure advertising.

Some advertising may be contextual. Some advertising may be personalized based on usage, preferences, device information, account information, or other permitted data.

Your rights and choices regarding cookies, analytics, advertising, tracking, targeted advertising, sale, or sharing of personal information are described in our Privacy Policy and Cookie Policy.

Users in certain jurisdictions may have additional privacy rights, including the right to opt out of certain targeted advertising, profiling, sale, or sharing of personal data where applicable.

28. Social Media Features and Sharing

Valarn may allow users to share reports, summaries, screenshots, watchlists, educational content, referral links, rankings, charts, calendar events, or other platform content through social media, email, messaging platforms, public links, embedded widgets, or downloadable files.

You are responsible for anything you share publicly or privately from Valarn.

When sharing Valarn content, you agree not to:

present Valarn content as personalized financial advice;
misrepresent AI-generated content as guaranteed or human-certified;
remove required disclaimers;
share outdated reports without context;
use Valarn content to mislead others;
use Valarn content to promote securities fraud or market manipulation;
falsely imply endorsement by Valarn;
violate securities laws, advertising laws, platform rules, consumer protection laws, or financial promotion rules.

If you are compensated, sponsored, affiliated, or otherwise receiving something of value to promote Valarn, you must clearly disclose that relationship in accordance with applicable law and platform rules.

29. Community, Comments, Reviews, and Public Submissions

Valarn may offer community features, comments, reviews, ratings, user-submitted ideas, public watchlists, discussion areas, shared reports, social features, or feedback tools.

You are solely responsible for user content you post, upload, submit, or share.

You agree not to submit content that is unlawful, abusive, defamatory, harassing, misleading, fraudulent, infringing, obscene, hateful, spammy, manipulative, or otherwise harmful.

You agree not to post content that promotes pump-and-dump schemes, market manipulation, false rumors, insider trading, coordinated trading abuse, deceptive endorsements, unlawful financial promotions, or misleading investment claims.

Valarn may remove, moderate, restrict, refuse, hide, or delete user content at any time.

Valarn does not endorse user content and is not responsible for user opinions, claims, statements, predictions, trades, or investment ideas.

30. User Content License

You may submit information to Valarn, including stock symbols, watchlists, notes, prompts, saved reports, feedback, comments, reviews, files, preferences, uploaded content, public posts, and other content.

You retain ownership of your user content.

However, you grant Valarn a limited, worldwide, non-exclusive, royalty-free license to use, process, store, reproduce, display, analyze, transmit, and create technical derivatives of your user content as necessary to operate, improve, secure, provide, and support the platform.

For public submissions, such as comments, testimonials, reviews, shared reports, public watchlists, community posts, or public feedback, you grant Valarn a worldwide, non-exclusive, royalty-free license to display, distribute, reproduce, promote, and use that content in connection with the platform, marketing, social media, and business operations.

Do not submit confidential, sensitive, classified, regulated, proprietary, or third-party information unless you have the right to do so and the applicable Valarn service supports that type of data.

31. Testimonials and Reviews

If you submit a testimonial, review, rating, quote, case study, comment, or public feedback about Valarn, you grant us permission to use it for marketing, sales, product, and promotional purposes.

We may display your first name, company name, username, profile image, or other information you provide, unless prohibited by law or agreed otherwise.

You must not submit false, misleading, paid, incentivized, or deceptive reviews.

If you receive compensation, free access, credits, discounts, or other benefits in exchange for a testimonial, review, social post, or promotion, you must disclose that relationship clearly.

32. Referral, Affiliate, and Ambassador Programs

Valarn may offer referral programs, invite programs, ambassador programs, affiliate programs, partner programs, or commission-based programs.

Referral rewards, credits, commissions, discounts, or benefits may be subject to separate terms.

We may modify, suspend, or terminate referral, affiliate, ambassador, or partner programs at any time.

You may not use spam, misleading claims, paid ads using Valarn trademarks without permission, fake accounts, self-referrals, deceptive promotions, unlawful marketing tactics, or prohibited financial claims to earn referral rewards or commissions.

33. Acceptable Use

You agree not to:

use Valarn for unlawful, fraudulent, deceptive, or harmful purposes;
use Valarn to provide financial advice to others without proper authorization;
copy, scrape, resell, redistribute, or commercially exploit Valarn content without permission;
reverse engineer, decompile, or attempt to extract source code, prompts, models, system instructions, or proprietary logic;
bypass paywalls, usage limits, rate limits, credit systems, billing controls, model restrictions, or access restrictions;
use bots, crawlers, scrapers, or automated tools without permission;
upload malware, malicious code, corrupted files, or harmful content;
interfere with platform security, availability, integrity, or performance;
attempt unauthorized access to accounts, systems, APIs, models, data, or infrastructure;
use Valarn to manipulate markets or coordinate unlawful trading activity;
use Valarn to generate, spread, or amplify false financial claims;
misrepresent AI-generated content as guaranteed, official, human-certified, or personalized advice;
use Valarn in violation of securities laws, consumer protection laws, privacy laws, advertising laws, export laws, sanctions laws, or other applicable laws;
use Valarn to infringe intellectual property rights;
share another person’s personal data without authorization;
abuse support, billing, promotions, refunds, referrals, or affiliate systems;
overload, disrupt, or degrade the service;
use Valarn to train competing models or build a competing platform without permission.

We may investigate and take action against misuse.

34. Prohibited Financial Conduct

You may not use Valarn to:

conduct or promote pump-and-dump schemes;
spread false or misleading market rumors;
coordinate manipulative trading activity;
promote insider trading;
publish deceptive financial promotions;
misrepresent securities, companies, market data, or financial results;
impersonate analysts, advisers, brokers, public companies, regulators, or financial professionals;
generate misleading investment advertisements;
target vulnerable users with deceptive financial claims;
circumvent laws governing securities recommendations or financial promotions;
remove disclaimers from shared reports in a misleading way;
imply that Valarn guarantees returns or identifies risk-free investments.

Valarn may suspend or terminate users who engage in prohibited financial conduct.

35. Intellectual Property

Valarn, including its software, interface, design, reports, workflows, AI agent structure, prompts, branding, logos, graphics, platform layout, databases, algorithms, content organization, model orchestration, and proprietary features, is owned by Valarn or its licensors.

You may not copy, modify, distribute, sell, lease, sublicense, create derivative works from, or exploit Valarn’s intellectual property without written permission.

Subject to these Terms, Valarn grants you a limited, non-exclusive, non-transferable, revocable license to use the platform for personal or internal business research purposes.

36. Generated Reports and Output Rights

Subject to your compliance with these Terms and your subscription plan, you may use Valarn-generated reports for your personal or internal business research.

You may download, save, or share reports only as permitted by your plan and these Terms.

You may not:

resell Valarn reports;
syndicate Valarn reports;
publish reports as your own financial advice;
use reports to operate a competing product;
remove required disclaimers;
mass distribute premium outputs;
use outputs for unlawful financial promotions;
use outputs to mislead others;
misrepresent AI-generated outputs as guaranteed, certified, or personalized analysis.

Valarn may include disclaimers, watermarks, source references, usage notices, timestamps, and limitations in reports.

37. API Access and Automation

Valarn may provide API access, developer tools, integrations, exports, or automation features.

API access may be subject to separate terms, rate limits, technical restrictions, fees, and approval requirements.

You may not use API access to:

scrape or bulk download platform data beyond permitted limits;
resell Valarn outputs;
build a competing product;
bypass usage limits;
overload Valarn systems;
automate account creation;
circumvent billing controls;
remove required disclaimers;
generate unlawful financial promotions;
violate third-party data provider restrictions.

You are responsible for protecting API keys, tokens, credentials, and integration secrets.

Valarn may suspend or revoke API access at any time.

38. Uploaded Files and User-Provided Data

Valarn may allow users to upload files, documents, images, spreadsheets, notes, prompts, financial records, or other data.

You represent that you have all necessary rights and permissions to upload, submit, or process such content.

You agree not to upload:

classified information;
illegally obtained data;
another person’s personal information without authorization;
confidential information you are not permitted to disclose;
copyrighted material without permission;
malware or harmful files;
non-public material information about a public company;
insider information;
content that violates law or third-party rights.

Valarn may remove uploaded content that violates these Terms or creates legal, security, operational, or reputational risk.

39. Beta and Experimental Features

Valarn may release beta, experimental, preview, or early-access features.

Beta features may be unstable, incomplete, inaccurate, unavailable, or discontinued at any time.

We provide beta features “as is” and may change, limit, or remove them without notice.

Beta features should not be relied upon for important decisions.

40. Platform Availability

We aim to provide reliable service, but we do not guarantee uninterrupted access.

Valarn may be unavailable due to maintenance, updates, outages, data provider failures, AI provider issues, payment processor issues, cyber incidents, infrastructure failures, third-party service disruptions, legal restrictions, or events outside our control.

We are not liable for losses caused by service interruptions, data delays, unavailable reports, failed alerts, missed calendar events, unavailable features, or inability to access saved data.

41. Alerts, Notifications, and Calendar Events

Valarn may provide alerts, reminders, calendar features, event tracking, stock catalyst reminders, earnings reminders, IPO tracking, insider activity reminders, report rerun reminders, or notifications.

Alerts and notifications may be delayed, inaccurate, unavailable, incomplete, or not delivered.

Valarn does not guarantee that you will receive alerts before market-moving events.

Calendar events and reminders are for convenience only and are not investment advice.

You are responsible for independently monitoring market events, company announcements, filings, earnings dates, IPO changes, and other relevant information.

42. Stock Discovery, Trending Lists, and Public Dashboards

Valarn may provide stock discovery features, trending stock lists, AI stock picks, top searched stocks, public dashboards, IPO watchlists, insider activity summaries, congressional trading summaries, or market theme pages.

These features are educational and informational only.

Trending lists, discovery pages, public dashboards, or AI-generated stock ideas are not recommendations, endorsements, personalized advice, or instructions to trade.

A stock appearing on Valarn does not mean it is suitable for you or expected to perform well.

43. Changes to the Platform

We may modify, add, remove, suspend, or discontinue any part of Valarn at any time.

This includes changes to AI models, data providers, report formats, pricing, plans, saved report limits, supported stocks, advertising, social features, alerts, dashboards, analysis methodology, scoring systems, and available integrations.

We are not liable for changes, discontinuation, or removal of features, data, reports, or integrations.

44. Privacy

Your use of Valarn is also governed by our Privacy Policy, which explains how we collect, use, store, disclose, transfer, and protect information.

The Privacy Policy should include information about:

account data;
payment data;
saved reports;
watchlists;
stock searches;
report history;
user notes;
calendar events;
alert preferences;
uploaded files;
usage logs;
cookies;
advertising technologies;
analytics;
AI providers;
third-party data processors;
data retention;
user rights;
international data transfers;
data deletion and export.

[Insert Privacy Policy URL]

45. Cookies and Advertising Choices

Valarn may use cookies and similar technologies.

Where required by law, we may request consent for certain cookies, analytics, advertising, personalization, affiliate tracking, or retargeting technologies.

You can manage cookie preferences through our Cookie Policy, cookie banner, browser settings, privacy controls, or other available tools.

Cookie Policy URL:

[Insert Cookie Policy URL]

Users in certain jurisdictions may have the right to opt out of targeted advertising, sale, sharing, profiling, or certain analytics uses.

46. Data Retention

Valarn may retain account information, saved reports, report history, watchlists, billing records, usage logs, alerts, calendar events, support communications, security logs, and related data for as long as necessary to provide the platform, comply with legal obligations, resolve disputes, enforce agreements, prevent fraud, maintain security, improve the product, and support business operations.

Users may request deletion of their account or personal data by contacting [Insert Privacy Email].

Some data may remain in backups, logs, billing records, fraud-prevention records, tax records, security records, legal records, or compliance archives for a limited period.

Valarn may delete inactive accounts, expired trial accounts, abandoned accounts, canceled accounts, or stored reports according to its retention schedule.

47. Data Deletion and Export

Where required by law or supported by the platform, users may request access to, deletion of, correction of, or export of certain personal data.

Data export may include account information, saved reports, report history, watchlists, and certain user-generated content where technically feasible and legally required.

Valarn may deny or limit requests where permitted by law, including where necessary for security, fraud prevention, billing, tax, legal claims, compliance, backup integrity, or protection of other users.

48. AI Providers and Data Processing

Some AI features may send prompts, stock symbols, report settings, uploaded content, saved report context, or related data to third-party AI model providers for processing.

Valarn’s Privacy Policy explains how these providers are used and what data may be shared.

Valarn does not permit third-party AI providers to train their general models on private user reports, saved watchlists, user notes, or account-specific research history unless disclosed separately or authorized by the user.

This section applies only to the extent consistent with Valarn’s actual AI provider settings and agreements.

49. Platform Improvement and Aggregated Data

Valarn may use aggregated, anonymized, or de-identified data to improve platform performance, safety, cost controls, product features, research quality, user experience, and business operations.

Valarn may use user feedback, error reports, ratings, support requests, usage patterns, and technical logs to improve the platform.

Aggregated or de-identified information does not identify individual users.

50. International Use

Valarn is operated from [Insert Country].

If you access Valarn from outside that country, you are responsible for complying with local laws.

Valarn makes no representation that the platform, reports, subscriptions, data, advertisements, social features, AI outputs, or other services are appropriate or available in every jurisdiction.

We may restrict or block access in certain countries, regions, or jurisdictions where legal, regulatory, sanctions, securities, privacy, payment, advertising, AI, data, or operational concerns apply.

51. International Data Transfers

If you access Valarn from outside the United States, your information may be processed and stored in the United States or other countries where Valarn and its service providers operate.

Where required by law, Valarn will use appropriate safeguards for international data transfers, such as contractual protections or other legally recognized transfer mechanisms.

52. Region-Specific Rights

Certain users may have additional rights based on their location.

If local law gives you rights that cannot be limited by these Terms, those rights remain unaffected.

Valarn may provide additional privacy notices, cookie notices, consumer notices, financial disclaimers, or regional terms for users in specific jurisdictions.

53. Third-Party Services

Valarn may integrate with third-party services, including payment processors, AI model providers, cloud providers, data vendors, analytics providers, authentication providers, email services, advertising networks, social media platforms, calendar providers, communication tools, storage providers, and security tools.

Your use of third-party services may be subject to their own terms and privacy policies.

Valarn is not responsible for third-party services, data, outages, security, privacy practices, content, claims, pricing, or conduct.

54. Links to Third-Party Websites

Valarn may include links to third-party websites or resources.

We provide these links for convenience only.

Valarn does not control or endorse third-party websites and is not responsible for their content, accuracy, availability, security, privacy practices, advertising, or services.

55. Security

Valarn uses reasonable administrative, technical, and organizational measures designed to protect the platform and user data.

However, no system is completely secure.

You are responsible for protecting your account credentials and using secure devices and networks.

You agree to notify us immediately if you suspect unauthorized access to your account.

56. Responsible Security Disclosure

Users may not test, scan, attack, bypass, overload, or interfere with Valarn systems without authorization.

Security researchers may report vulnerabilities to [Insert Security Email].

Valarn does not authorize:

access to user data;
destructive testing;
denial-of-service testing;
social engineering;
phishing;
spam;
physical attacks;
extortion;
public disclosure before remediation;
testing that violates law.

We may investigate and take action against unauthorized security testing or abuse.

57. Security Incidents

If we determine that a security incident requires notice under applicable law, we will provide notice as required.

Valarn is not responsible for incidents caused by your failure to secure your account, device, browser, network, API keys, or integrations.

58. Export Controls and Sanctions

You may not use Valarn if you are located in, organized under the laws of, or ordinarily resident in a country or region subject to applicable sanctions or embargoes that prohibit use of the service.

You may not use Valarn if you are on any restricted party list or otherwise prohibited from using the service under applicable law.

You may not use Valarn in violation of export control laws, sanctions laws, or other trade restrictions.

59. Accessibility

Valarn aims to make its website and services accessible.

Users may contact [Insert Accessibility Email] for accessibility-related support or to report accessibility issues.

60. Copyright and DMCA Policy

If Valarn allows users to upload, post, publish, or share content, we may remove content that allegedly infringes copyright or other intellectual property rights.

[Insert DMCA Agent Name]
[Insert DMCA Email]
[Insert DMCA Mailing Address]

A copyright complaint should include:

identification of the copyrighted work;
identification of the allegedly infringing material;
contact information for the complaining party;
a statement that the complaining party has a good-faith belief that use is unauthorized;
a statement that the information is accurate;
a statement under penalty of perjury that the complaining party is authorized to act;
a physical or electronic signature.

Valarn may remove allegedly infringing content and may terminate repeat infringers where appropriate.

61. No Warranty

Valarn is provided on an “as is” and “as available” basis.

To the maximum extent permitted by law, Valarn disclaims all warranties, express or implied, including warranties of accuracy, reliability, merchantability, fitness for a particular purpose, non-infringement, availability, security, and uninterrupted operation.

We do not warrant that Valarn will be error-free, uninterrupted, secure, profitable, accurate, current, complete, or suitable for your investment objectives.

We do not warrant that reports, alerts, saved data, AI outputs, advertisements, third-party data, or integrations will be accurate, complete, available, or delivered on time.

62. Limitation of Liability

To the maximum extent permitted by law, Valarn and its owners, officers, employees, contractors, affiliates, partners, licensors, advertisers, sponsors, and service providers will not be liable for any indirect, incidental, consequential, special, exemplary, punitive, or lost-profit damages.

This includes damages related to:

investment losses;
trading losses;
missed opportunities;
inaccurate reports;
AI errors;
hallucinations;
data delays;
data inaccuracies;
saved report deletion;
failed alerts;
missed calendar events;
advertising content;
third-party services;
subscription issues;
billing disputes;
service interruptions;
unauthorized account access;
reliance on platform content;
use of social sharing features;
user-generated content;
third-party links;
changes to the platform.

To the maximum extent permitted by law, Valarn’s total liability for any claim will not exceed the amount you paid to Valarn in the three months before the event giving rise to the claim, or $100 if you have not paid Valarn.

Some jurisdictions do not allow certain limitations of liability. In those jurisdictions, our liability will be limited to the greatest extent permitted by law.

63. Indemnification

You agree to defend, indemnify, and hold harmless Valarn and its owners, officers, employees, contractors, affiliates, partners, licensors, advertisers, sponsors, and service providers from any claims, damages, liabilities, losses, costs, and expenses, including reasonable attorneys’ fees, arising from:

your use of Valarn;
your violation of these Terms;
your investment or trading decisions;
your misuse of AI-generated content;
your user content;
your uploaded content;
your public posts;
your social media posts or public sharing;
your violation of law;
your violation of another person’s rights;
your interactions with advertisers or third parties;
your breach of advertising, endorsement, or disclosure rules;
your misuse of API access or automation;
your failure to secure your account.

64. Account Suspension or Termination

We may suspend, restrict, or terminate your access to Valarn at any time if we believe you have violated these Terms, created risk for the platform, failed to pay fees, abused usage limits, violated applicable law, misused the service, or engaged in prohibited conduct.

You may stop using Valarn at any time.

Upon termination, your right to access the platform will end.

Termination may result in loss of access to saved reports, watchlists, notes, calendar events, alerts, credits, usage history, or other account data.

Certain sections of these Terms will continue to apply after termination, including intellectual property, disclaimers, limitation of liability, indemnification, privacy-related provisions, dispute provisions, payment obligations, and any provisions that by their nature should survive termination.

65. Changes to These Terms

We may update these Terms from time to time.

If we make material changes, we may notify you by email, website notice, in-app notice, account notice, or other reasonable method.

Your continued use of Valarn after updated Terms become effective means you accept the updated Terms.

If you do not agree to the updated Terms, you must stop using Valarn.

66. Governing Law

These Terms are governed by the laws of the State of [Insert State], without regard to conflict-of-law principles.

67. Informal Dispute Resolution

Before filing a claim, you agree to contact us at [Insert Support Email] and attempt to resolve the dispute informally.

You agree to provide your name, account email, a description of the dispute, the relief requested, and any relevant supporting information.

We will attempt to resolve disputes in good faith.

68. Dispute Venue

If the dispute cannot be resolved informally, disputes will be handled in the state or federal courts located in [Insert County and State], unless otherwise required by applicable law or unless a separate arbitration agreement applies.

You consent to the personal jurisdiction of those courts.

69. Optional Arbitration and Class Action Waiver Placeholder

Do not publish this section without attorney review.

Valarn may choose to include a binding arbitration clause and class action waiver.

If included, this section should address:

arbitration provider;
arbitration rules;
small claims exception;
opt-out period;
class action waiver;
jury trial waiver;
mass arbitration procedures;
location of arbitration;
fees;
consumer rights required by law.

Because arbitration clauses are heavily regulated and jurisdiction-specific, Valarn should use attorney-drafted language before publishing this section.

70. Severability

If any part of these Terms is found unenforceable, invalid, or unlawful, the remaining parts will remain in effect.

The unenforceable provision will be modified to the minimum extent necessary to make it enforceable where permitted by law.

71. No Waiver

Our failure to enforce any provision of these Terms does not waive our right to enforce that provision later.

Any waiver must be in writing and signed by an authorized representative of Valarn.

72. Assignment

You may not assign or transfer these Terms or your account without Valarn’s prior written consent.

Valarn may assign or transfer these Terms in connection with a merger, acquisition, financing, sale of assets, corporate reorganization, or by operation of law.

73. Entire Agreement

These Terms, together with our Privacy Policy, Cookie Policy, subscription terms, refund policy, advertising disclosures, financial disclaimers, and any other policies referenced here, form the entire agreement between you and Valarn regarding use of the platform.

74. Contact

For questions about these Terms, contact:

Valarn
[Insert Legal Company Name]
[Insert Business Address]
Email: [Insert Support Email]
Website: https://valarn.com