Legal

Terms and Conditions

Effective date: September 28, 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 Valora ("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, advisors, 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 is an independent platform that helps people find and connect with independent financial advisors based on their situation. Advisors featured, listed, or introduced through the Site are independent professionals and firms. They are not employees, agents, partners, or representatives of Valora, and Valora is not responsible for their advice, services, acts, or omissions.

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.

No professional advice and no professional relationship

All content on the Site, including articles, guides, niche pages, advisor profiles, 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 contact form or completing the readiness check, 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. Any advisory relationship you form is solely between you and the advisor you engage, under the terms you agree with them.

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

Advisor directory and listings

Some advisor profiles and directory listings on the Site are compiled from publicly available sources, such as regulatory filings and the advisors' own published materials. We work to keep this information accurate and current, but we do not guarantee that any listing is complete, accurate, or up to date, and information may change without notice to us.

Inclusion in the directory reflects our editorial judgment about relevance to a topic or audience. It is not a guarantee of quality, performance, or outcomes, and it should not be your only basis for choosing an advisor. Always verify an advisor's registration status, disciplinary history, and credentials independently, including through the SEC's Investment Adviser Public Disclosure database and FINRA BrokerCheck.

If you are an advisor or firm listed on the Site and you believe your listing is inaccurate or outdated, or you want it corrected or removed, email us at barot@valorahq.com. We will review reasonable correction and removal requests promptly.

Matching and the readiness check

When you submit a contact form or complete the readiness check, the information you provide is used to respond to you and, where you ask for it, to suggest or arrange an introduction to one or more independent advisors. We do not guarantee that any match, introduction, or advisor will be right for you, that any advisor will accept you as a client, or that any particular outcome will result.

Any engagement, fee arrangement, or agreement you enter into with an advisor is strictly between you and that advisor. Valora is not a party to it and has no responsibility or liability arising from it.

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 the contact 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 directory or 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 advisors and firms mentioned on the Site belong to their respective owners.

The Site relies on third-party services, including Google Forms (which powers the readiness check) and PostHog (our analytics provider), 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.

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, ANY ADVISOR LISTING, OR ANY INTERACTION WITH AN ADVISOR FOUND THROUGH THE SITE. 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.