Last updated: 15th January 2026
By accessing and using the website valiusa.top and the services provided by valiusa B.V. (registration number 65478927), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services. These terms apply to all visitors, users, and others who access or use our services.
valiusa provides personal finance education and guidance services for beginners, including but not limited to budget planning, savings strategies, investment fundamentals, and debt management education. Our services are educational in nature and do not constitute professional financial advice. We do not provide regulated financial advisory services or investment management.
When using our services, you agree to:
Our services are strictly educational and informational. The content, guidance, and materials provided by valiusa are for educational purposes only and should not be considered as professional financial advice, investment recommendations, or personalised financial planning. You should always consult with qualified financial advisers before making significant financial decisions.
All content on our website and in our services, including but not limited to text, graphics, logos, images, audio clips, video clips, data compilations, and software, is the property of valiusa or its content suppliers and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works of our content without our express written permission.
If you submit any content to us (such as feedback, questions, or comments), you grant valiusa a non-exclusive, royalty-free, perpetual, and worldwide licence to use, modify, and display such content for the purpose of providing and improving our services. You represent that you have the right to grant such licence and that your content does not violate any third-party rights.
Your privacy is important to us. The collection and use of your personal information is governed by our Privacy Policy, which is incorporated into these Terms of Service by reference. By using our services, you consent to the collection and use of your information as described in our Privacy Policy.
If you purchase services from valiusa, payment terms will be specified at the time of purchase. All fees are due in advance and are non-refundable unless otherwise specified in writing. We reserve the right to change our pricing at any time, but price changes will not affect orders already placed.
To the maximum extent permitted by law, valiusa shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising from your use of our services. Our total liability for any claims arising from or related to these terms or our services shall not exceed the amount you have paid to us in the twelve months preceding the claim. This limitation applies regardless of the legal theory upon which the claim is based.
Our services are provided "as is" and "as available" without warranties of any kind, either express or implied. We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee that our services will be uninterrupted, error-free, or completely secure.
You agree to indemnify, defend, and hold harmless valiusa, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses arising from your use of our services, your violation of these terms, or your violation of any rights of a third party.
We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason, including if you breach these Terms of Service. You may also terminate your use of our services at any time. Upon termination, your right to use our services will cease immediately, but the provisions of these terms that by their nature should survive termination will remain in effect.
We reserve the right to modify these Terms of Service at any time. We will notify you of any changes by posting the new terms on our website and updating the "Last updated" date. Your continued use of our services after any such changes constitutes your acceptance of the new terms.
These Terms of Service are governed by and construed in accordance with the laws of the Netherlands. Any disputes arising from or relating to these terms or our services shall be subject to the exclusive jurisdiction of the courts of the Netherlands. If any provision of these terms is found to be unenforceable, the remaining provisions will remain in full force and effect.
If any provision of these Terms of Service is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall remain in force. The failure of valiusa to enforce any right or provision in these terms will not constitute a waiver of such right or provision.
These Terms of Service, together with our Privacy Policy and any other agreements expressly incorporated by reference, constitute the entire agreement between you and valiusa regarding the use of our services and supersede all prior agreements and understandings.
If you have any questions about these Terms of Service, please contact us:
Email: legal@valiusa.top
Phone: +31 763624254
Post:
valiusa B.V.
Beukenlaan 216
4887 LU Breda
North Brabant, Netherlands