Terms & Conditions

Welcome to ValueCourse. These Terms and Conditions ("Terms") govern your access to and use of the ValueCourse website located at valuecourse.site ("Website") and all related services, content, and materials ("Services") provided by ValueCourse.

By accessing or using our Website and Services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use our Website or Services.

1. Acceptance of Terms

By accessing, browsing, or using our Website, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. These Terms constitute a legally binding agreement between you and ValueCourse.

We reserve the right to modify these Terms at any time. Your continued use of the Website following any changes constitutes acceptance of those changes.

2. Description of Services

ValueCourse provides educational content, frameworks, and resources related to value-driven decision making for finance and career development. Our Services include:

• Educational articles and blog posts
• White papers and research materials
• Decision-making frameworks and tools
• Newsletter subscriptions
• Contact and inquiry services
• Career and financial guidance resources

3. User Eligibility

You must be at least 18 years of age to use our Services. By using our Website, you represent and warrant that:

• You are at least 18 years old
• You have the legal capacity to enter into binding contracts
• You will use our Services in compliance with these Terms and all applicable laws
• All information you provide is accurate, current, and complete

4. User Accounts and Registration

Certain features of our Services may require you to create an account or provide personal information. When creating an account, you agree to:

• Provide accurate and complete information
• Maintain the security of your account credentials
• Promptly update your information if it changes
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized access

We reserve the right to suspend or terminate accounts that violate these Terms or are inactive for extended periods.

5. Intellectual Property Rights

5.1 Our Content

All content on the Website, including but not limited to text, graphics, logos, images, articles, white papers, frameworks, software, and compilations ("Content"), is the property of ValueCourse or its licensors and is protected by copyright, trademark, and other intellectual property laws.

5.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Website and Content for personal, non-commercial purposes, subject to these Terms. This license does not include:

• Reproduction, distribution, or modification of Content without permission
• Commercial use or resale of Content or Services
• Collection or use of Content for competitive purposes
• Use of automated systems to access the Website (scraping, bots, etc.)
• Removal of copyright or proprietary notices

5.3 User-Generated Content

If you submit content to our Website (comments, feedback, suggestions), you grant us a worldwide, perpetual, irrevocable, royalty-free license to use, reproduce, modify, publish, and distribute such content for any purpose.

6. Prohibited Conduct

You agree not to engage in any of the following prohibited activities:

• Violating any applicable laws or regulations
• Infringing on intellectual property rights
• Transmitting harmful code, viruses, or malicious software
• Attempting to gain unauthorized access to our systems
• Interfering with or disrupting Website functionality
• Collecting user information without consent
• Impersonating any person or entity
• Engaging in fraudulent, abusive, or harassing behavior
• Using our Services for any illegal purpose
• Reverse engineering or attempting to extract source code
• Removing or obscuring copyright notices or branding

7. Educational Nature and Disclaimers

7.2 No Guarantees of Results

We make no representations or warranties regarding the outcomes you may achieve by applying the frameworks, strategies, or principles discussed in our content. Individual results vary based on numerous factors beyond our control.

7.3 Third-Party Content

Our Website may contain references to third-party resources, websites, or services. We do not endorse, guarantee, or assume responsibility for any third-party content or services. Your interactions with third parties are solely between you and them.

8. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR WEBSITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability or fitness for a particular purpose
• Warranties of accuracy, reliability, or completeness of content
• Warranties of uninterrupted or error-free service
• Warranties that defects will be corrected

We do not warrant that our Website will meet your requirements or expectations, or that any information obtained through our Services will be accurate or reliable.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, VALUECOURSE AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Personal injury or property damage arising from your use of our Services
• Decisions made based on information from our Website
• Any damages resulting from unauthorized access to your information

OUR TOTAL LIABILITY FOR ANY CLAIMS RELATED TO OUR SERVICES SHALL NOT EXCEED THE AMOUNT YOU PAID TO US (IF ANY) IN THE TWELVE MONTHS PRECEDING THE CLAIM.

Some jurisdictions do not allow limitations on implied warranties or exclusions of certain damages, so some of the above limitations may not apply to you.

10. Indemnification

You agree to indemnify, defend, and hold harmless ValueCourse and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your use of our Website or Services
• Your violation of these Terms
• Your violation of any rights of third parties
• Your violation of applicable laws or regulations
• Content you submit or transmit through our Services

11. Privacy and Data Protection

Your use of our Services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand how we collect, use, and protect your information.

By using our Services, you consent to the collection and use of your information as described in our Privacy Policy.

12. Copyright Infringement Claims

We respect intellectual property rights and expect users to do the same. If you believe that content on our Website infringes your copyright, please contact us with:

• Identification of the copyrighted work
• Identification of the infringing material and its location
• Your contact information
• A statement of good faith belief that use is unauthorized
• A statement that the information is accurate and you're authorized to act
• Your physical or electronic signature

13. Termination

13.1 By You

You may stop using our Services at any time. To terminate your account (if applicable), contact us at [email protected].

13.2 By Us

We reserve the right to suspend or terminate your access to our Services at any time, with or without notice, for any reason, including:

• Violation of these Terms
• Fraudulent or illegal activity
• Actions that harm other users or our business
• Extended inactivity

13.3 Effect of Termination

Upon termination, your right to use our Services immediately ceases. Provisions of these Terms that by their nature should survive termination will remain in effect.

14. Governing Law and Dispute Resolution

14.1 Governing Law

These Terms are governed by and construed in accordance with the laws of the United Kingdom, without regard to its conflict of law principles.

14.2 Dispute Resolution

Any disputes arising from these Terms or our Services shall be resolved through:

1. Informal Negotiation: Contact us to attempt resolution informally within 30 days
2. Mediation: If informal resolution fails, parties agree to attempt mediation
3. Arbitration or Litigation: Unresolved disputes shall be settled in the courts of the United Kingdom

14.3 Class Action Waiver

To the extent permitted by law, you agree that any dispute resolution proceedings will be conducted on an individual basis and not in a class, consolidated, or representative action.

15. Modifications to Services and Terms

We reserve the right to:

• Modify, suspend, or discontinue any aspect of our Services at any time
• Update these Terms periodically
• Change pricing for any paid services (with notice)

Material changes to these Terms will be communicated through our Website or via email. Your continued use after such changes constitutes acceptance.

16. General Provisions

16.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and ValueCourse regarding our Services.

16.2 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full effect.

16.3 Waiver

Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision.

16.4 Assignment

You may not assign or transfer these Terms without our written consent. We may assign our rights and obligations without restriction.

16.5 Force Majeure

We shall not be liable for any failure to perform our obligations due to circumstances beyond our reasonable control.

16.6 Headings

Section headings are for convenience only and do not affect interpretation of these Terms.

17. Contact Information

18. Acknowledgment

BY USING OUR WEBSITE AND SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS.

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