These terms govern your use of Valentor Financial pages and tools. By using this site you agree to the terms below.
You may use the site and tools for personal, non‑commercial planning and educational purposes. You may download or export your own data for personal use.
Content, calculators, and examples are for informational and educational purposes only and do not constitute legal, tax, or financial advice. Consult a qualified professional before making decisions.
Site content (text, images, and tools) is owned by Valentor Financial or used under license. You may not republish or resell site code or assets without permission.
Valentor Financial provides tools "as is." We are not liable for damages arising from use of the site, errors in calculations, or third‑party reliance on outputs.
We may update these terms; continued use after updates indicates acceptance. The current version is posted on this page.