Terms of Use

1. Eligibility

You must be at least 18 years old and able to form a legally binding contract to use the Services. If you use the Services on behalf of a company or other entity, you represent that you are authorized to bind that entity to these Terms.

2. Education only — not financial advice

ValorEdge provides education, training, and mentorship for general informational purposes only. Nothing in the Services is investment, tax, legal, accounting, or financial advice, and nothing is a recommendation or solicitation to buy, sell, or hold any security, derivative, digital asset, or other financial instrument.

ValorEdge is not a registered broker-dealer, investment adviser, or financial planner, and using the Services does not create any advisory, brokerage, or fiduciary relationship. You are solely responsible for your own decisions and for any trading or investing you choose to undertake. Please also read our Disclosures.

3. The Practice Desk simulator

The Practice Desk is a paper-trading simulator that uses virtual currency. No real money, real orders, or brokerage accounts are involved, and no transaction you place in the simulator has any effect in real markets.

Prices, charts, and other market data are supplied by third parties, may be delayed, inaccurate, or unavailable, and are provided "as is." Simulated and hypothetical results have inherent limitations and are not indicative of real trading results. Leaderboards and team competitions are provided for education and engagement only and carry no prize, payout, or other value unless we expressly state otherwise in writing.

4. Accounts

You agree to provide accurate information, to keep your login credentials confidential, and that you are responsible for all activity under your account. Accounts are for a single person and may not be shared, sold, or transferred. Notify us promptly of any unauthorized use. We may suspend or terminate accounts that violate these Terms or that we reasonably believe create risk.

5. Memberships, billing & refunds

Some features require a paid membership or enrollment. Applicable prices, billing frequency, and renewal terms are presented to you at the time of purchase, and you authorize us and our payment processors to charge your selected payment method. Where memberships renew automatically, they continue until cancelled; you may cancel at any time to stop future renewals, and access continues through the end of the paid period. You are responsible for applicable taxes.

Except where required by law or expressly stated at checkout, fees are non-refundable. Any refund or trial terms that do apply will be described at the point of purchase. Payments are processed by third-party providers (for example, Stripe or PayPal); we do not store full payment-card numbers.

6. Acceptable use

You agree not to:

• use the Services for any unlawful, fraudulent, or harmful purpose;
• copy, scrape, republish, sell, sublicense, or redistribute any part of the Services or content without our written permission;
• reverse engineer, decompile, or attempt to access source code or non-public systems;
• share, resell, or transfer your account or access credentials;
• interfere with, overload, or disrupt the Services, or introduce malware or harmful code;
• impersonate any person or misrepresent your affiliation; or
• use the Services to provide your own investment advisory, brokerage, or money-management services, or to engage in market manipulation or other unlawful conduct.

7. Intellectual property

All content, courses, software, text, graphics, the ValorEdge name and logos, and other materials in the Services are owned by ValorEdge or its licensors and are protected by intellectual-property laws. Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the Services for your own personal, non-commercial educational use. No other rights are granted.

8. Your content

If you submit messages, posts, or other content through the Services, you retain ownership but grant ValorEdge a worldwide, royalty-free license to host, store, and use that content as needed to operate and improve the Services. You are responsible for the content you submit and confirm you have the right to share it.

9. Third-party services

The Services incorporate third-party content and tools, including third-party market data and payment processors. Charts are rendered by our own first-party charting tools using the open-source KLineCharts library (loaded from the jsDelivr content-delivery network); they set no third-party cookies. Market data is retrieved by our servers from third-party providers (such as Yahoo Finance, CoinGecko, and Finnhub) — your browser does not communicate with these providers directly and no personal data is shared with them. Your use of payment-processor features may be subject to the processor's own terms and privacy policies, and we are not responsible for third-party services or content.

This includes AI features powered by third-party providers such as DeepSeek (operated from China). AI-generated content is produced automatically, may be inaccurate or incomplete, and is provided for educational purposes only; you are responsible for independently verifying it before relying on it.

10. Disclaimers

The Services are provided "as is" and "as available" without warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, and uninterrupted or error-free operation. We do not warrant that any content, data, or result is accurate, complete, or current. Trading and investing involve substantial risk, including the possible loss of principal.

11. Limitation of liability

To the fullest extent permitted by law, ValorEdge and its owners, employees, and affiliates will not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages, or for any trading, investment, or financial losses, arising out of or relating to the Services or your reliance on any content, even if advised of the possibility. Our total aggregate liability for any claim will not exceed the greater of the amounts you paid us in the 12 months before the claim or USD $100. Some jurisdictions do not allow certain limitations, so some of these may not apply to you.

12. Indemnification

You agree to indemnify and hold harmless ValorEdge and its owners, employees, and affiliates from any claims, losses, liabilities, and expenses (including reasonable legal fees) arising from your use of the Services, your content, or your violation of these Terms or applicable law.

13. Termination

We may suspend or terminate your access at any time, with or without notice, for any violation of these Terms or to protect the Services or other users. You may stop using the Services at any time. Sections that by their nature should survive termination (including intellectual property, disclaimers, limitation of liability, and indemnification) will survive.

14. Governing law & disputes

These Terms are governed by the laws of the United States and the state in which ValorEdge Investing is established, without regard to conflict-of-laws rules. Before filing any formal claim, you agree to first contact us at members@valoredgeinvesting.com and attempt to resolve the dispute informally. Any dispute that cannot be resolved will be subject to the exclusive jurisdiction of the state and federal courts located where ValorEdge is established, unless applicable law requires otherwise.

15. Changes to these Terms

We may update these Terms as the Services evolve. We will revise the "Last updated" date above and, where appropriate, provide additional notice. Your continued use of the Services after changes take effect constitutes acceptance of the updated Terms.

16. Contact

Questions about these Terms can be sent to members@valoredgeinvesting.com.