TERMS OF USE

By accessing the Valencia Cross website, archive or newsletter, you agree to these Terms of Use. If you do not agree, do not use the services.

Valencia Cross publishes general research, commentary and educational information. Content is not individualized investment, financial, legal, accounting or tax advice.

Accessing the website, subscribing or communicating with Valencia Cross does not create an investment-adviser, broker-client, fiduciary, attorney-client or other professional relationship.

Nothing published by Valencia Cross constitutes an offer, recommendation or solicitation to purchase or sell a security or financial product.

Investing involves risk, including possible loss of principal. Past performance does not guarantee future results. Readers are responsible for conducting their own research and evaluating whether any action is appropriate for their circumstances.

We work to publish accurate information, but markets, prices, filings and circumstances change. Content may contain errors or become outdated. Valencia Cross does not guarantee that every item will be complete, current or error-free.

The website, newsletter, original research, design, branding and editorial content are owned by or licensed to Valencia Cross LLC and protected by applicable law.

You may share links and brief quotations with clear attribution. You may not republish complete issues, systematically scrape content, remove attribution, sell copies or use the publication to train a commercial model without written permission.

You may not interfere with the website, attempt unauthorized access, introduce malicious code, impersonate another person, harvest subscriber data or use the services unlawfully.

You retain ownership of material you submit. You grant us permission to review and use submissions as reasonably necessary to respond, investigate a correction or operate the publication.

Do not submit confidential, stolen or material nonpublic information.

Links to third-party websites are provided for context or convenience. Valencia Cross does not control and is not responsible for third-party content, availability, security or privacy practices.

Sponsored placements and affiliate relationships will be disclosed. The presence of a sponsor does not constitute an endorsement or guarantee.

The website, newsletter and archive are provided on an “as is” and “as available” basis to the fullest extent permitted by law.

To the fullest extent permitted by law, Valencia Cross LLC and its contributors will not be liable for indirect, incidental, special, consequential or punitive damages arising from use of or reliance on the publication.

Nothing in these terms excludes liability that cannot legally be excluded.

To the extent permitted by law, you agree to indemnify Valencia Cross LLC against claims arising from your unlawful use of the services or violation of these terms.

We may update these terms. Continued use after an updated effective date constitutes acceptance of the revised terms.

These terms are governed by the laws of [GOVERNING STATE], without regard to conflict-of-law principles.