Terms of Service

3.1 Account Creation

To access certain features or the full functionality of the Service, you may be required to register for a user account. When registering, you agree to provide accurate, current, complete, and truthful information as prompted by the registration form and to maintain and promptly update that information to keep it accurate, current, and complete. Submitting false, misleading, or inaccurate information during registration is a violation of these Terms and may result in immediate suspension or permanent termination of your account without liability to you.

3.2 Account Credentials and Security

You are solely responsible for maintaining the confidentiality and security of your account credentials, including your username, password, and any authentication tokens. You must not share your credentials with any third party, permit any other person to access the Service using your account, or use another user's credentials to access the Service. You agree to immediately notify ValoraBoard at justgrindingprojects@gmail.com if you become aware of any actual or suspected unauthorized access to your account or any other security breach.

ValoraBoard shall not be liable for any loss, damage, or harm resulting from your failure to comply with this section, including unauthorized use of your account that occurs before you provide us notice.

3.3 Account Restrictions

Unless expressly authorized by ValoraBoard in writing, each individual may maintain only one active account on the Service. Creating multiple accounts to circumvent restrictions, bans, or other limitations is prohibited and may result in termination of all associated accounts without refund.

3.4 Suspension and Termination by ValoraBoard

ValoraBoard reserves the right to suspend, disable, or permanently terminate your account at its sole discretion and without prior notice or liability if we determine that: (a) you have violated any provision of these Terms or any applicable policy; (b) your conduct poses a risk to the safety, security, or rights of other users, third parties, or ValoraBoard; (c) you have engaged in fraudulent, deceptive, or illegal activities; (d) we are required to do so by applicable law, court order, or regulatory authority; or (e) continued provision of the Service to you creates legal or operational risk.

Upon termination of your account, your right to access the Service ceases immediately, and we may, in our sole discretion, delete your account data and associated content, subject to any applicable data retention obligations.

4.1 Permitted Use

You may access and use the Service only for purposes that are lawful, consistent with these Terms, and aligned with the intended purpose of the Service. You agree to comply with all applicable local, state, national, and international laws, rules, regulations, and ordinances in connection with your use of the Service.

4.2 Prohibited Activities

You expressly agree not to use the Service, directly or indirectly, to:

• (a) Violate any applicable law, regulation, rule, or legal obligation, including privacy laws, export controls, intellectual property laws, securities regulations, anti-bribery laws, or consumer protection statutes;
• (b) Transmit, post, upload, or otherwise make available any content that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, hateful, or discriminatory on the basis of race, ethnicity, gender, religion, disability, sexual orientation, national origin, or any other protected characteristic;
• (c) Impersonate any person or entity, including any officer, director, employee, or agent of ValoraBoard, or make any false or misleading representation of your identity, affiliation, or the origin of any communication;
• (d) Attempt to gain unauthorized access to any portion of the Service, other users' accounts, computer systems, networks, or servers connected to or associated with the Service, whether through hacking, phishing, social engineering, credential stuffing, or any other means;
• (e) Introduce, upload, or transmit any viruses, worms, trojans, ransomware, spyware, adware, rootkits, or any other form of malicious or harmful code or content that may damage or disrupt the Service, user devices, or network infrastructure;
• (f) Use automated means, including bots, scrapers, crawlers, spiders, data mining tools, or similar technologies, to access, collect, harvest, or compile data or content from the Service without the express prior written consent of ValoraBoard;
• (g) Send unsolicited commercial messages, spam, chain letters, pyramid schemes, bulk email, or other forms of unauthorized solicitation through or in connection with the Service;
• (h) Infringe, misappropriate, or violate the intellectual property rights, privacy rights, or any other rights of ValoraBoard or any third party, including by uploading, distributing, or otherwise exploiting copyrighted content without authorization;
• (i) Engage in or facilitate any fraudulent activity, identity theft, financial fraud, money laundering, or any other illegal financial activity;
• (j) Interfere with, disrupt, or degrade the integrity, performance, or stability of the Service, its servers, or associated infrastructure, or attempt to probe or test the vulnerability of any system without our explicit written authorization;
• (k) Circumvent, disable, or tamper with any technical protection measures, security features, or access controls implemented by ValoraBoard;
• (l) Collect, harvest, or store personal information about other users without their explicit consent and in violation of applicable privacy laws.

4.3 Enforcement

We reserve the right, but not the obligation, to monitor the Service for compliance with this Acceptable Use Policy. In our sole discretion, we may take any action we deem appropriate in response to a suspected or confirmed violation, including removing content, limiting access, suspending or terminating accounts, and reporting to law enforcement or regulatory authorities. We shall not be liable for any action taken or not taken in connection with enforcement of this policy.

5.1 Ownership

The Service and all of its contents, features, and functionality -- including without limitation all software, source code, algorithms, user interface designs, text, graphics, logos, icons, images, audio and video content, digital downloads, data compilations, and the selection and arrangement thereof (collectively, the "Company Materials") -- are the exclusive property of ValoraBoard or its licensors and are protected by applicable copyright, trademark, patent, trade secret, and other intellectual property and proprietary rights laws of United States and applicable international conventions and treaties.

These Terms do not grant you any right, title, or interest in or to the Service or Company Materials except for the limited license expressly granted herein. All rights not expressly granted are reserved by ValoraBoard.

5.2 Limited License to Use the Service

Subject to your full and ongoing compliance with these Terms, ValoraBoard grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service solely for your own lawful personal or internal business purposes. This license does not permit you to:

• (a) Sell, resell, sublicense, rent, lease, or otherwise commercially exploit the Service or any Company Materials;
• (b) Copy, reproduce, distribute, publicly display, publicly perform, or create derivative works based on the Service or Company Materials, except as expressly permitted by these Terms;
• (c) Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of any software component of the Service, except to the extent such restriction is prohibited by applicable law;
• (d) Remove, obscure, or alter any copyright notice, trademark, or other proprietary legend or rights notice appearing in the Service or Company Materials;
• (e) Use the Service or Company Materials in any manner that could reasonably be construed as competing with or disparaging ValoraBoard's business.

5.3 User-Submitted Content

If the Service permits you to submit, post, upload, or otherwise contribute content ("User Content"), you retain ownership of your User Content. However, by submitting User Content to the Service, you grant ValoraBoard a worldwide, non-exclusive, royalty-free, fully paid, perpetual, irrevocable, sublicensable, and transferable license to use, host, store, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such User Content in connection with operating and providing the Service.

You represent and warrant that: (a) you own or have the necessary rights to grant the foregoing license; (b) your User Content does not infringe, misappropriate, or violate the intellectual property or other rights of any third party; and (c) your User Content complies with these Terms and all applicable laws.

5.4 Trademarks

"ValoraBoard" and the ValoraBoard name, logo, and all associated marks, if any, are trademarks or registered trademarks of ValoraBoard. You may not use these marks without the prior written consent of ValoraBoard. All other brand names, product names, company names, and trademarks referenced in the Service belong to their respective owners and are used solely for identification purposes.

7.1 Third-Party Links

The Service may contain hyperlinks or references to third-party websites, applications, services, or resources ("Third-Party Services") that are not owned or controlled by ValoraBoard. These links are provided solely for your convenience and informational purposes. We have no control over and assume no responsibility for the content, terms, privacy practices, accuracy, legality, or any other aspect of any Third-Party Services.

7.2 No Endorsement

The inclusion of any link to a Third-Party Service does not constitute an endorsement, approval, or recommendation by ValoraBoard. We strongly recommend that you review the terms of service and privacy policies of any Third-Party Services you access through the Service. Your use of Third-Party Services is entirely at your own risk and is subject to the terms and conditions of those third parties.

7.3 Third-Party Service Providers

We may engage third-party service providers to facilitate the delivery of parts of the Service. These providers operate under their own terms of service and privacy policies. By using the Service, you acknowledge that ValoraBoard may share data with these service providers as necessary to deliver the Service, as described in our Privacy Policy.

8.1 Fees and Pricing

Access to certain features of the Service may require payment of subscription fees or other charges as set forth on our pricing page at https://valoraboard.com. All fees are denominated in United States Dollars (USD) unless otherwise expressly stated and are exclusive of applicable taxes and levies.

By providing payment information and initiating a purchase or subscription, you represent that you are authorized to use the designated payment method and you authorize ValoraBoard and Stripe to charge the applicable fees to that payment method.

8.2 Payment Processing

All payment transactions are processed securely by Stripe. ValoraBoard does not directly store your full credit card, debit card, or bank account numbers. Your financial information is governed by the terms and privacy policies of Stripe. By using the payment functionality of the Service, you agree to Stripe's applicable terms and policies.

8.3 Taxes

You are responsible for paying all applicable sales taxes, value-added taxes (VAT), goods and services taxes (GST), and any other governmental taxes, levies, or duties assessed in connection with your use of the Service. ValoraBoard will collect and remit applicable taxes where required by law.

8.4 Subscription Renewals and Cancellations

If you subscribe to a recurring plan, your subscription will automatically renew at the then-current rate at the end of each billing period unless you cancel it before the renewal date. You may cancel your subscription at any time through your account settings or by contacting us at justgrindingprojects@gmail.com. Cancellation takes effect at the end of the current billing period; you will retain access to the Service until that date. We do not issue prorated refunds for unused portions of a subscription term, except as required by law or as stated in our Refund Policy.

8.5 Price Changes

We reserve the right to adjust pricing for the Service at any time. For active subscription customers, we will provide at least thirty (30) days' advance notice of any fee increase by email or through a notice within the Service. Your continued use of the Service after the effective date of the price change constitutes your acceptance of the new pricing.

11.1 Exclusion of Consequential Damages

11.2 Cap on Aggregate Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, VALORABOARD'S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS, LOSSES, AND DAMAGES ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF OR INABILITY TO USE THE SERVICE SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL AMOUNT YOU ACTUALLY PAID TO VALORABOARD FOR THE SERVICE IN THE TWELVE (12) CALENDAR MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (B) ONE HUNDRED UNITED STATES DOLLARS (USD $100.00).

11.3 Essential Basis of the Bargain

THE PARTIES ACKNOWLEDGE THAT THE LIMITATIONS OF LIABILITY SET FORTH IN THIS SECTION REFLECT A REASONABLE ALLOCATION OF RISK AND ARE AN ESSENTIAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN YOU AND VALORABOARD. WITHOUT THESE LIMITATIONS, VALORABOARD WOULD NOT PROVIDE THE SERVICE.

Some jurisdictions do not allow the limitation of certain categories of damage. In such jurisdictions, the above limitations may not fully apply, and our liability will be limited to the fullest extent permitted by applicable law.

13.1 Termination by ValoraBoard

ValoraBoard may, at its sole discretion, terminate, suspend, or restrict your access to the Service, in whole or in part, with or without prior notice and without liability to you, for any reason, including but not limited to: (a) your violation of any provision of these Terms; (b) your engagement in fraudulent, illegal, or abusive conduct; (c) receipt of a valid request from law enforcement or a governmental or regulatory authority; (d) unexpected technical or security issues or problems; or (e) extended periods of inactivity, as determined in our sole discretion.

13.2 Termination by You

You may terminate your use of the Service at any time by closing your account through the account settings page or by contacting us at justgrindingprojects@gmail.com to request account deletion. No refunds will be issued upon voluntary termination.

13.3 Effect of Termination

Upon any termination of these Terms or your access to the Service: (a) all licenses granted to you under these Terms immediately cease; (b) you must immediately stop all use of the Service and any Company Materials; (c) you remain liable for all obligations accrued prior to the effective date of termination; and (d) any provisions of these Terms that by their nature should survive termination shall continue in full force and effect, including without limitation the provisions relating to Intellectual Property Rights, Disclaimer of Warranties, Limitation of Liability, Indemnification, Governing Law, Dispute Resolution, and Miscellaneous Provisions.

15.1 Informal Resolution

Before initiating any formal legal proceeding, you agree to first contact ValoraBoard at justgrindingprojects@gmail.com with a written description of the dispute, including: (a) a clear statement of the facts giving rise to the dispute; (b) the specific legal basis or claim you are asserting; and (c) the precise relief you are seeking, including the dollar amount if applicable. You agree to engage in a good-faith effort to resolve the dispute informally for a period of at least thirty (30) days from the date of our receipt of your written notice before initiating any formal proceeding.

15.2 Class Action Waiver

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AGREE THAT ANY CLAIM OR DISPUTE RESOLUTION PROCEEDING WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT AS PART OF ANY CLASS, CONSOLIDATED, REPRESENTATIVE, OR MASS ACTION. YOU HEREBY IRREVOCABLY WAIVE ANY RIGHT TO COMMENCE, PARTICIPATE IN, OR RECOVER RELIEF THROUGH ANY CLASS ACTION, CLASS ARBITRATION, COLLECTIVE ACTION, OR SIMILAR CONSOLIDATED PROCEEDING.

15.3 Time Limitation on Claims

Any claim, cause of action, or dispute arising out of or related to these Terms or your use of the Service must be filed within one (1) year after the date on which such claim or cause of action arose, regardless of any contrary statute of limitations under applicable law. Any claim filed after this one-year period is permanently time-barred.

17.1 Entire Agreement

These Terms, together with our Privacy Policy and any other agreements or policies expressly incorporated herein by reference, constitute the entire agreement between you and ValoraBoard with respect to the subject matter hereof and supersede all prior and contemporaneous understandings, agreements, representations, warranties, negotiations, and communications, whether oral or written.

17.2 Severability

If any provision of these Terms is held by a court or tribunal of competent jurisdiction to be illegal, invalid, unenforceable, or void for any reason, that provision shall be severed from these Terms and shall not affect the validity, legality, or enforceability of the remaining provisions, which shall continue in full force and effect.

17.3 Waiver

The failure of ValoraBoard to exercise or enforce any right or provision of these Terms at any time shall not constitute or be construed as a waiver of such right or provision. Any waiver by ValoraBoard of any breach or default by you shall not be deemed a waiver of any subsequent breach or default, and shall not affect the other terms of this Agreement. No waiver shall be effective unless made in writing and signed by an authorized representative of ValoraBoard.

17.4 Assignment

You may not assign, delegate, transfer, or sublicense any of your rights or obligations under these Terms, in whole or in part, without the prior written consent of ValoraBoard. Any purported assignment without such consent shall be null and void. ValoraBoard may freely assign or transfer its rights and obligations under these Terms without restriction, including in connection with a merger, acquisition, reorganization, sale of all or substantially all assets, or by operation of law. These Terms shall be binding upon and inure to the benefit of the permitted successors and assigns of the parties.

17.5 Force Majeure

ValoraBoard shall not be responsible or liable for any failure or delay in the performance of its obligations under these Terms to the extent caused by circumstances beyond its reasonable control, including but not limited to acts of God, natural disasters, earthquakes, floods, fires, epidemics, pandemics, war, acts of terrorism, civil disturbances, strikes or labor disputes, governmental actions, internet service provider failures, cyberattacks, or failures of third-party service providers.

17.6 Relationship of the Parties

Nothing in these Terms creates a partnership, joint venture, employment relationship, franchise, or agency between you and ValoraBoard. You acknowledge that you are an independent party and have no authority to bind ValoraBoard in any respect.

17.7 No Third-Party Beneficiaries

These Terms are for the sole benefit of ValoraBoard and you, and nothing in these Terms, expressed or implied, is intended to or shall confer upon any other person or entity any legal or equitable right, benefit, or remedy of any nature whatsoever under or by reason of these Terms.

17.8 Notices

Notices from ValoraBoard to you may be provided by email to the address associated with your account, through a notice posted within the Service, or by posting on https://valoraboard.com. Notices to ValoraBoard must be sent in writing to justgrindingprojects@gmail.com. All notices shall be deemed received upon transmission, where delivery is by email or electronic posting, or three (3) business days after mailing, if sent by certified mail.