Terms and Conditions

The following terms and conditions govern all use of the present website at http://www.valorize.com (hereinafter called VALORIZE) and all content, services and products available at or through the website, including, but not limited to, associated blogs, forums, and websites taken together, the Website.

IMPORTANT NOTICE

PLEASE READ THE FOLLOWING TERMS OF SERVICE FOR THIS WEB SITE (“TOS”) CAREFULLY BEFORE ACCESSING OR USING OUR WEBSITE. 

By continuing to access, link to, or use this site, or any service on this site, you signify YOUR ACCEPTANCE OF THE TOS, INCLUDING WITHOUT LIMITATION, THE DISCLAIMER, and ARBITRATION AGREEMENT. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS AND CONDITIONS, YOU MAY NOT ACCESS OR USE OUR WEBSITE. IF YOU DO NOT UNDERSTAND THESE TERMS AND CONDITIONS, DO NOT USE OUR WEBSITE. 

OUR WEBSITE AND CONTENT ARE PROVIDED ON AN ‘AS IS’ BASIS WITHOUT ANY WARRANTIES OF ANY KIND. OUR WEBSITE AND ITS SUPPLIERS, TO THE FULLEST EXTENT PERMITTED BY LAW, DISCLAIM ALL WARRANTIES, INCLUDING (BUT NOT LIMITED TO) THE WARRANTY OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTIES RIGHTS, AND THE WARRANTY OF FITNESS FOR PARTICULAR PURPOSE. OUR WEBSITE AND ITS SUPPLIERS MAKE NO WARRANTIES ABOUT THE ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF THE CONTENT, SERVICES, SOFTWARE TEXT, GRAPHICS, AND LINKS.

If these terms and conditions are considered an offer by VALORIZE acceptance is expressly limited to these terms. The Website is available only to individuals who are at least 13 years old.

The agreement regarding The Use of this website

1. PURPOSE OF THIS WEBSITE

This website (VALORIZE) has been created for informational purposes only on a best effort basis and is not intended to be used as a complete source of information on any particular subject and should not be relied upon in making any decisions. Any reader or user of this website should always research its own information.

2. User Consent to the TOS.
You represent that you have read and agree to be bound by the TOS. 

3. License and Restrictions on Use. 

You agree to use the website solely for your own noncommercial use and benefit, and not for resale or other transfer or disposition to, or use by or for the benefit of, any other person or entity. You agree not to use, transfer, distribute, or dispose of any information contained in the website in any manner that could compete with the business of VALORIZE or any of its suppliers.

Furthermore:

i) You are granted a nonexclusive, nontransferable, revocable license to use our website only for private, personal, noncommercial reasons. Any notice on any portion of our website that forbids printing & downloading trumps all prior statements and controls.

ii) As a user, you agree to use the products and services offered by our website in a manner consistent with all applicable local, state and federal laws and regulations. No material shall be stored or transmitted which infringes or violates the rights of others, which is unlawful, obscene, profane, indecent or otherwise objectionable, threatening, defamatory, or invasive of privacy or publicity rights.

iii) You agree to grant to our website a non-exclusive, royalty-free, worldwide, irrevocable, perpetual license, with the right to sub-license, to reproduce, distribute, transmit, create derivative works of, publicly display and publicly perform any materials and other information (including, without limitation, ideas contained therein for new or improved products and services) you submit to any public areas of our website (such as bulletin boards, forums, blog, and newsgroups) or by e-mail to our website by all means and in any media now known or hereafter developed. You also grant to our website the right to use your name in connection with the submitted materials and other information as well as in connection with all advertising, marketing and promotional material related thereto. You agree that you shall have no recourse against our website for any alleged or actual infringement or misappropriation of any proprietary right in your communications to our website.

iv) You agree, acknowledge, and accept that we are not trained professionals and do not purport to render professional or expert advice in any arena. Data contained on or made available through the VALORIZE website is not intended to be, and does not constitute, legal advice. Our website, and your use of it, does not create a professional-client relationship. We do not warrant or guarantee the accuracy, adequacy, or recency of the data contained in or linked to our website.

4. Your Responsibility as Visitors. 

  1. In general

VALORIZE has not reviewed, and cannot review, all of the material, including computer software, posted to the Website, and cannot therefore be responsible for that material’s content, use or effects. By operating the Website, VALORIZE does not represent or imply that it endorses the material posted, or that it believes such material to be accurate, useful or non-harmful.  You are responsible for taking precautions as necessary to protect yourself and your computer systems from viruses, worms, Trojan horses, and other harmful or destructive content. 

The Website may contain content that is offensive, indecent, or otherwise objectionable, as well as content containing technical inaccuracies, typographical mistakes, and other errors. The Website may also contain material that violates the privacy or publicity rights, or infringes the intellectual property and other proprietary rights, of third parties, or the downloading, copying or use of which is subject to additional terms and conditions, stated or unstated. 

CRVALORIZECOM disclaims any responsibility for any harm resulting from the use by visitors of the Website, or from any downloading by those visitors of content therein posted.

  1. User Submissions

As a user of our VALORIZE website, you are responsible for your own communications and are responsible for the consequences of their posting. You must not do the following things: 

  • post material that is copyrighted, unless you are the copyright owner or have the permission of the copyright owner to post it; 
  • post material that reveals trade secrets, unless you own them or have the permission of the owner; 
  • post material that infringes on any other intellectual property rights of others or on the privacy or publicity rights of others; 
  • post material that is obscene, profane, defamatory, threatening, harassing, abusive, hateful, or embarrassing to another user of our website or any other person or entity; post a sexually-explicit image; 
  • post advertisements or solicitations of business; post chain letters or pyramid schemes; or impersonate another person.
  1. Social Media Warning (Divulgation of Personal & Private Information)

VALORIZE is not responsible and liable for the Personal and Private information you may divulge by using any Social media platforms provided on the VALORIZE website. We advise you to be very cautious when using social media platforms and  should not engage in carelessly disclosing information.

iv) Your Use of Our Website or Materials 

Your use of our VALORIZE website or materials linked to our website is completely at your own risk. You should not act or depend on any data on our website, where applicable, without seeking the counsel of a competent lawyer licensed to practice in your jurisdiction for your particular legal issues. You should not act or depend on any data on our website, where applicable, without seeking the counsel of a competent physician licensed to practice in your jurisdiction for your particular medical issues. You should not act or depend on any data on our website, where applicable, without seeking the counsel of a competent financial advisor licensed to practice in your jurisdiction for your particular financial needs and issues.

v) Your Duty To Other Users

Your use of our website is for your own personal, non-commercial benefit. In no way are you to leverage our website in a way that mines for the personal information of other, whether in blog comments or otherwise, for your own use or for the benefit of others. This includes, but is not limited to, spam (unsolicited commercial email). If you inadvertently obtain personal information about other users, you shall not share this with anyone else.

vi) Restricted access and Membership

Access to certain areas of our VALORIZE website may be restricted. We reserve the right to restrict access to other areas of our website, or indeed our whole website, at our discretion. If we provide you with a user ID (username) and password to enable you to access restricted areas of our website or other content or services, you must ensure that that user ID and password is kept confidential. You may not share your user ID and/or password with anyone for any reason, either directly or indirectly. You accept responsibility for all activities that occur under your user ID or password. We may disable your user ID and password at our sole discretion or if you breach any of the policies or terms governing your use of our VALORIZE website or any other contractual obligation you owe to us.

5) Links to Other Websites.

Our website may contain links to third party Websites. Our VALORIZE website makes no representations whatsoever about any other website which you may access through this one or which may link to this website. When you access a website from our website, please understand that it is independent from our website, and that our website has no control over the content on that website. These links are provided solely as a convenience to you and not as an endorsement by our website of the contents on such third-party Websites. Our website is not responsible for the content of linked third-party Websites and does not make any representations regarding the content or accuracy of material on such third party Websites. If you decide to access linked third-party Websites, you do so at your own risk. We do not necessarily endorse, recommend, suggest or otherwise make any overture or prompt for action regarding any product or service offered. You should assume we are compensated for any purchases you make. Again, any income claims should be construed as atypical results and you assume the risk that inferior results obtain, including losses, for which we carry no responsibility or liability.

6) Links to Our Website

You may provide links to our website, provided you do not change, remove, or obscure the copyright notice or other notices on our website. Your website or other source of links must not engage in illegal or pornographic activities. Finally, you may link provided you understand that you must stop linking to our website immediately upon request by our website.

7) Third-Party Products/Services

You understand that, except for information, products or services clearly identified as being supplied by our website, our website does not operate, control or endorse any information, products or services on the Internet in any way. Except for information identified by our website as such, all information, products and services offered through our website or on the Internet generally are offered by third parties that are not affiliated with our website, and we may be compensated.

8. Intellectual Property. 

The entire contents of our VALORIZE website are protected by intellectual property law, including international copyright and trademark laws. The owner of the copyrights and/or trademarks are our website, and/or other third party licensors or related entities. Publications, products, content or services referenced herein or on our website are the exclusive trademarks or servicemarks of our VALORIZE website or related parties. Other product and company names mentioned in our website may be the trademarks of their respective owners.

You do not own rights to any article, book, ebook, document, blog post, software, application, add-on, plugin, art, graphics, images, photos, video, webinar, recording or other materials viewed or listened to through or from our VALORIZE website or via email or by way of protected content in a membership site. The posting of data on our website, such as a blog comment, does not change this fact and does not give you any right in the data. You surrender any rights to your content once it becomes part of our website.

YOU MAY NOT MODIFY, COPY, REPRODUCE, REPUBLISH, UPLOAD, POST, TRANSMIT, OR DISTRIBUTE, IN ANY MANNER, THE MATERIAL ON OUR WEBSITE, INCLUDING TEXT, GRAPHICS, CODE AND/OR SOFTWARE.

Exception – Any/all non-augmntd native art, graphics, images, photos sourced from Google and/or any other public domain are the copyright of their owners and no copyright infringement can be claimed as the result of their use but they can be removed following a simple request from the owner.

9. Copyright Infringement and DMCA Policy. 

As we ask others to respect its intellectual property rights, it respects the intellectual property rights of others. In general we cure content and may post excerpts of stuff created by others. If you are a copyright holder and feel that we have violated or infringed on your copyright, please us know and in accordance with standard Digital Millennium Copyright Act (”DMCA”) Policy. VALORIZE will respond to all such notices, including as required or appropriate by removing the infringing material or disabling all links to the infringing material. 

In the case of a visitor who may infringe or repeatedly infringes the copyrights or other intellectual property rights of VALORIZE or others, VALORIZE may, in its discretion, terminate or deny access to and use of the Website. In the case of such termination, VALORIZE will have no obligation to provide a refund of any amounts previously paid to VALORIZE.

10. Affiliate Disclosure

Notwithstanding the fact that this website is not a review site, we nonetheless enjoy referring or suggesting good stuff (books, articles, software, apps, toys, etc.) to people which means that we are not only compelled but obligated to let you know that you should assume that the owner/operator of this website is an affiliate for people, business and other legal entities who provide goods or services mentioned on this website, audio or videos. CR.COM and the owner/operator of this website, may be compensated if you buy anything from a provider or affiliate mentioned or referred to on this website. That said and trust being important to us, be assured that we would not recommend anything lightly or only because we may receive a remuneration; we may also simply refer a service/product whether we have a remuneration or not.

11. Assumption of Risk

YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF OUR WEBSITE AND THE INTERNET. OUR WEBSITE PROVIDES OUR WEBSITE AND RELATED INFORMATION “AS IS” AND DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER (INCLUDING WITHOUT LIMITATION WARRANTIES OF TITLE OR NON INFRINGEMENT, OR THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE) WITH REGARD TO THE PRODUCT OR SERVICE, ANY MERCHANDISE INFORMATION OR SERVICE PROVIDED THROUGH THE SERVICE OR ON THE INTERNET GENERALLY, AND OUR WEBSITE SHALL NOT BE LIABLE FOR ANY COST OR DAMAGE ARISING EITHER DIRECTLY OR INDIRECTLY FROM ANY SUCH TRANSACTION. IT IS SOLELY YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS AND USEFULNESS OF ALL OPINIONS, ADVICE, SERVICES, MERCHANDISE AND OTHER INFORMATION PROVIDED THROUGH THE SERVICE OR ON THE INTERNET GENERALLY. OUR WEBSITE DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE OR THAT DEFECTS IN THE SERVICE WILL BE CORRECTED.

YOU UNDERSTAND FURTHER THAT THE PURE NATURE OF THE INTERNET CONTAINS UNEDITED MATERIALS SOME OF WHICH ARE SEXUALLY EXPLICIT OR MAY BE OFFENSIVE TO YOU. YOUR ACCESS TO SUCH MATERIALS IS AT YOUR RISK. OUR WEBSITE HAS NO CONTROL OVER AND ACCEPTS NO RESPONSIBILITY WHATSOEVER FOR SUCH MATERIALS YOU MIGHT SOMEHOW ACCESS.

12. Disclaimer 

OUR WEBSITE DOES NOT WARRANT THAT OUR WEBSITE WILL OPERATE ERROR-FREE OR THAT OUR WEBSITE AND ITS SERVER ARE FREE OF COMPUTER VIRUSES AND OTHER HARMFUL GOODS OR CONDITIONS. IF YOUR USE OF OUR WEBSITE OR THE CONTENT RESULTS IN THE NEED FOR SERVICING OR REPLACING EQUIPMENT OR DATA, OUR WEBSITE IS NOT RESPONSIBLE FOR THOSE COSTS.

By accessing VALORIZE’s website you are deemed to have agreed to the following terms:

  • This website (VALORIZE) and its newsletter have been created for informational purposes only on a best effort basis and is not intended to be used as a complete source of information on any particular subject and should not be relied upon in making any decisions and should not be construed as professional advice or opinion. Any reader or user of this website should always research its own information. 
  • While the information displayed in this website is derived from sources believed to be reliable, VALORIZE does not guarantee that it is accurate or complete. Where possible the source of any information used will be identified. VALORIZE does not accept any liability whatsoever for loss or damage arising from the use of this website. VALORIZE may add to, delete from or modify this website at any time at its sole discretion.
  • If or when VALORIZE publishes analysis, analytics, opinions, indicators, strategies, reports, articles and any/all other features of its services/products, they are provided solely for informational and educational purposes and should not be construed as personalized investment advice, professional advice and/or public offerings of securities.
  • CR.COM is not a provider of any regulated services and does not retail any regulated services for which a license or registration is required.
  • If you follow any hyperlinks contained within this website, they will take you to independent sites which are subject to their own terms. VALORIZE does not take any responsibility for the content of these sites.
  • Our website does not represent or guarantee the truthfulness, accuracy, or reliability of any communications posted by other users of our website or endorse any opinions expressed by users of our website. You acknowledge that any reliance on material posted by other users of our website will be at your own risk.
  • Our VALORIZE website does not necessarily screen communications in advance and is not responsible for screening or monitoring material posted by users of our website. If observed by our website and/or notified by a user of communications which allegedly do not conform to this agreement, our website may investigate the allegation and determine in good faith and its sole discretion whether to remove or request the removal of the communication. Our website has no liability or responsibility to users of our website for performance or nonperformance of such activities. Our website reserves the right to expel users of our website and prevent their further access to our website for violating this agreement or any law or regulation, and also reserves the right to remove communications which are abusive, illegal, or disruptive.
  • AGAIN, the use of the Site or the Content is at your own risk. You should seek appropriate professional advice on your own particular matter and should not rely on information contained on the Site without seeking such advice. VALORIZE shall not be liable to you or any third parties for any damages or injury resulting from access to, or inability to access, the Site, or from any reliance on the Content.
  • VALORIZE or its suppliers or licensors, shall never be liable with respect to any subject matter of this agreement under any contract, negligence, strict liability or other legal or equitable theory for: (i) any special, incidental or consequential damages; (ii) the cost of procurement or substitute products or services; (iii) for interruption of use or loss or corruption of data; or (iv) for any amounts that exceed any fees paid by you to VALORIZE under this agreement during the twelve (12) month period prior to the cause of action. VALORIZE shall have no liability for any failure or delay due to matters beyond their reasonable control. The foregoing shall not apply to the extent prohibited by applicable law.
  • Finally, when it applies, be informed that past performance is not indicative of future results. 

13. Express Disclaimer of Consequential Damages

IN NO EVENT WILL OUR WEBSITE, ITS SUPPLIERS, OR ANY THIRD PARTIES MENTIONED AT OUR WEBSITE BE LIABLE FOR (I) ANY INCIDENTAL, CONSEQUENTIAL, INDIRECT OR OTHER DAMAGES (INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR INFORMATION, AND THE LIKE) ARISING OUT OF THE USE OF OR INABILITY TO USE THE SERVICE, OR ANY INFORMATION, OR TRANSACTIONS PROVIDED ON THE SERVICE, OR DOWNLOADED FROM THE SERVICE, OR ANY DELAY OF SUCH INFORMATION OR SERVICE. EVEN IF OUR WEBSITE OR ITS AUTHORIZED REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, OR (II) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE SERVICE AND/OR MATERIALS OR INFORMATION DOWNLOADED THROUGH THE SERVICE.

IF SOME PROVINCES or STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN SUCH STATES, LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW, RESULTING IN THE SMALLEST DOLLAR AMOUNT PERMITTED FOR THE AGGREGATE LIABILITY FOR BOTH OUR WEBSITE AND AFFILIATED PARTIES FOR A CLAIM DERIVING FROM OR RELATED TO OUR WEBSITE. THIS IS IN PLACE OF ANY AND ALL OTHER REMEDIES OTHERWISE AVAILABLE.

14. Modifications and Changes. 

VALORIZE reserves the right, at its sole discretion, to modify or replace any part of the present TOS. It is your responsibility to check this TOS periodically for changes. Your continued use of or access to the Website following the posting of any changes to this TOS constitutes acceptance of those changes. VALORIZE may also, in the future, offer new services and/or features through the Website (including, the release of new tools and resources). Such new features and/or services shall be subject to the terms and conditions of this Agreement.

Neither the course of conduct between the parties nor industry trade practice shall act to modify any provision of this Agreement. We may make changes to the features, functionality or content of our website at any time. We reserve the right in our sole discretion to edit or delete any data appearing on our website.

15. Corrections, Suggestions, and Complaints. 

Comments and suggestions, as well as complaints about errors, on the website that warrant correction are welcomed and invited. Comments and suggestions, as well as complaints about errors, can be submitted through our Contact Page. Readers dissatisfied with a response may reach us via email at admin [at] augmented (dot) info.

16. Indemnification.

You agree to indemnify, defend and hold harmless our VALORIZE website, its members, officers, directors, employees, agents, licensors, contractors, suppliers and any third party information providers to our website from and against all losses, expenses, damages and costs, including reasonable attorneys’ fees, resulting from any use of our website or violation of this Agreement (including negligent or wrongful conduct) by you or any other person accessing our website.

17. Termination. 

We reserve the right to investigate complaints or reported violations of these Terms of Service and Conditions of Use and to take any action we deem appropriate, including but not limited to reporting any suspected unlawful activity to law enforcement officials, regulators, or other third parties and disclosing any data necessary or appropriate to such persons or entities relating to your profile, email addresses, usage history, IP addresses and traffic data.

If you wish to terminate this Agreement, you may simply discontinue using the Website. This Agreement, in whole or in part, may be terminated by VALORIZE without notice at any time for any reason. All provisions of this Agreement which by their nature should survive termination, including, without limitation, ownership and copyright provisions, warranty disclaimers, indemnification and limitations of liability.

18. Governing Law

This Agreement shall treated as though executed, set in force, and performed in the Province of Quebec, district of Montreal. Accordingly, it shall be governed and construed in accordance with the laws of Quebec in terms of those applicable to agreements, without regard to conflict of law principles.

19. Contra Preferentum

The language in these Terms of Service and Conditions of Use shall be interpreted as to its fair meaning and not strictly for or against any party. Any rule of construction to the effect that ambiguities are to be resolved against the drafting party (i.e. – “contra preferentum”) shall not apply in interpreting these Terms of Service and Conditions of Use, as the Agreement shall be construed as having been co-authored by the parties.

20. Severability

Should any part of these Terms of Service and Conditions of Use be held invalid or unenforceable, that portion shall be construed as much as possible consistent with applicable law and severability shall apply to the remaining portions, so that they remain in full force and effect.

21. Survivability

To the extent that anything in or associated with our website is in conflict or inconsistent with these Terms of Service and Conditions of Use, these Terms of Service and Conditions of Use shall take precedence. If any part of this Agreement is held invalid or unenforceable, that part will be construed to reflect the parties’ original intent, and the remaining portions will remain in full force and effect. 

22. Waiver

A waiver by either party of any term or condition of this Agreement or any breach thereof, in any one instance, will not waive such term or condition or any subsequent breach thereof. Our failure to enforce any provision of these Terms of Service and Conditions of Use shall not be deemed a waiver of the provision nor of the right to enforce the provision. Our rights under these Terms of Service and Conditions of Use shall survive any termination of this agreement. Any rights not expressly granted herein are reserved to CR.COM.

23. Assignability

You may assign your rights under this Agreement to any party that consents to, and agrees to be bound by, its terms and conditions; CR.COM may assign its rights under this Agreement without condition. This Agreement will be binding upon and will inure to the benefit of the parties, their successors and permitted assigns.

24. Disputes

Any cause of action by you with respect to our VALORIZE website must be instituted within one (1) year after the cause of action arose or be forever waived and barred. All actions shall be subject to the limitations set forth in these TOS. Any legal claim arising out of or relating to these TOS or our website, excluding intellectual property right infringement and other claims by us, shall be settled confidentially through mandatory binding arbitration per the the laws of Quebec. 

Unless the parties decide otherwise in an arbitration agreement, the arbitration shall be conducted under the aegis of an arbitrator alone and shall be conducted in accordance with the rules of law and the provisions of the Code of Civil Procedure of Québec, in force at the time of this dispute. The arbitration shall take place in Montreal, Canada, in the French language or in English if claiming party does not speak French The arbitration award shall be final, binding and without appeal and binding on the parties. The prevailing party in any action or proceeding to enforce this Agreement shall be entitled to costs and attorneys’ fees. If you prevail over VALORIZE, no fees paid to you, including attorney’s fees, may exceed what you have paid to VALORIZE in the prior 12 months.

Last updated on May 12, 2020 – SUBJECT TO ERROR AND/OR OMISSIONS