Welcome to the website of ValoremAI, hereinafter "ValoremAI," "we," "us," or "our"), located at www.valorem.ing (the "Site"). These Terms of Service ("Terms") govern your access to and use of the Site and its content, features, and functionality (collectively, the "Service").
Please read these Terms carefully before using the Service. By accessing or using the Service, you signify your agreement to be bound by these Terms and our Privacy Policy (available at /privacy-policy), which is incorporated herein by reference. Your use of the Service is expressly conditioned upon your assent to all of the terms and conditions of this agreement. If you do not agree to these Terms or the Privacy Policy, you must not access or use the Service.
IMPORTANT NOTICE: These Terms apply only to the access and use of this public informational website (www.valorem.ing). The use of the ValoremAI proprietary software platform, associated applications, and related services is strictly governed by a separate Master Service Agreement ("MSA") executed between ValoremAI and the subscribing organization or entity. In the event of any conflict or inconsistency between these Terms and an applicable MSA, the terms of the MSA shall prevail concerning the use of the ValoremAI platform and its related services.
The Service is intended solely for users who are eighteen (18) years of age or older. Any access to or use of the Service by anyone under 18 is expressly prohibited. By accessing or using the Service, you represent and warrant that you are 18 years of age or older and have the legal capacity to enter into these Terms.
Subject to your strict compliance with these Terms, ValoremAI grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service solely for your personal, informational, non-commercial purposes.
Under this license, you shall not:
This license shall automatically terminate if you violate any of these restrictions. ValoremAI reserves the right to terminate this license and your access to the Service at any time, with or without notice, for any reason or no reason, in its sole discretion. Upon termination of this license or your access, you must immediately cease all use of the Service and destroy any downloaded materials in your possession, whether in electronic or printed format.
The Service and its entire contents, features, and functionality (including but not limited to all information, software, code, text, displays, graphics, photographs, images, video, and audio, and the design, selection, structure, coordination, expression, "look and feel," and arrangement thereof) are owned by ValoremAI, its licensors, or other providers of such material and are protected by Israeli and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. The ValoremAI name, the ValoremAI logo, and all related names, logos, product and service names, designs, and slogans are trademarks of ValoremAI or its affiliates or licensors. You must not use such marks without the prior written permission of ValoremAI. All other names, logos, product and service names, designs, and slogans on this Service are the trademarks of their respective owners. No right, title, or interest in or to the Service or any content on the Service is transferred to you, and all rights not expressly granted are reserved by ValoremAI. Any use of the Service not expressly permitted by these Terms is a breach of these Terms and may violate copyright, trademark, and other laws.
THE SERVICE AND ALL MATERIALS, INFORMATION, SOFTWARE, PRODUCTS, AND CONTENT INCLUDED IN OR AVAILABLE THROUGH THE SERVICE ARE PROVIDED "AS IS" AND "AS AVAILABLE" FOR YOUR USE, WITHOUT WARRANTY OR CONDITION OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, VALOREMAI, ITS AFFILIATES, AND THEIR RESPECTIVE LICENSORS AND SERVICE PROVIDERS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, RELATING TO THE SERVICE AND ALL MATERIALS AND CONTENT AVAILABLE THROUGH THE SERVICE, INCLUDING, BUT NOT LIMITED TO: (A) ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, OR NON-INFRINGEMENT; AND (B) ANY WARRANTY ARISING OUT OF COURSE OF DEALING, USAGE, OR TRADE.
WITHOUT LIMITING THE FOREGOING, NEITHER VALOREMAI NOR ANYONE ASSOCIATED WITH VALOREMAI REPRESENTS OR WARRANTS THAT THE SERVICE OR ANY PORTION THEREOF, OR ANY MATERIALS OR CONTENT OFFERED THROUGH THE SERVICE, WILL BE ACCURATE, RELIABLE, COMPLETE, UNINTERRUPTED, SECURE, OR FREE OF ERRORS, VIRUSES, OR OTHER HARMFUL COMPONENTS, OR THAT DEFECTS WILL BE CORRECTED. VALOREMAI DOES NOT WARRANT THAT ANY OF THOSE ISSUES WILL BE CORRECTED.
VALOREMAI DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS CONCERNING THE ACCURACY, COMPLETENESS, LIKELY RESULTS, OR RELIABILITY OF THE USE OF THE MATERIALS AND INFORMATION ON ITS WEBSITE OR OTHERWISE RELATING TO SUCH MATERIALS OR ON ANY SITES LINKED TO THIS SITE. THE INFORMATION PROVIDED VIA THE SERVICE IS FOR GENERAL INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE RELIED UPON OR USED AS THE SOLE BASIS FOR MAKING DECISIONS.
NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM THE SERVICE OR VALOREMAI ENTITIES OR ANY MATERIALS OR CONTENT AVAILABLE THROUGH THE SERVICE WILL CREATE ANY WARRANTY REGARDING ANY OF THE VALOREMAI ENTITIES OR THE SERVICE THAT IS NOT EXPRESSLY STATED IN THESE TERMS. YOU ASSUME ALL RISK FOR ANY DAMAGE THAT MAY RESULT FROM YOUR USE OF OR ACCESS TO THE SERVICE, YOUR DEALING WITH ANY OTHER SERVICE USER, AND ANY MATERIALS OR CONTENT AVAILABLE THROUGH THE SERVICE. YOU UNDERSTAND AND AGREE THAT YOU USE THE SERVICE, AND USE, ACCESS, DOWNLOAD, OR OTHERWISE OBTAIN MATERIALS OR CONTENT THROUGH THE SERVICE AND ANY ASSOCIATED SITES OR SERVICES, AT YOUR OWN DISCRETION AND RISK, AND THAT YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY (INCLUDING YOUR COMPUTER SYSTEM OR MOBILE DEVICE USED IN CONNECTION WITH THE SERVICE), OR THE LOSS OF DATA THAT RESULTS FROM THE USE OF THE SERVICE OR THE DOWNLOAD OR USE OF THAT MATERIAL OR CONTENT.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW (INCLUDING ISRAELI LAW), IN NO EVENT WILL VALOREMAI, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, REVENUE, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES) ARISING OUT OF OR RELATING TO YOUR ACCESS TO OR USE OF, OR YOUR INABILITY TO ACCESS OR USE, THE SERVICE OR ANY MATERIALS OR CONTENT ON THE SERVICE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT VALOREMAI HAS BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE.
TO THE FULLEST EXTENT PERMITTED BY APPLICABE LAW, THE AGGREGATE LIABILITY OF VALOREMAI AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, SUPPLIERS OR LICENSORS TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE USE OF OR ANY INABILITY TO USE ANY PORTION OF THE SERVICE OR OTHERWISE UNDER THESE TERMS, WHETHER IN CONTRACT, TORT, OR OTHERWISE, IS LIMITED TO THE GREATER OF: (A) THE AMOUNT YOU HAVE PAID TO VALOREMAI FOR ACCESS TO AND USE OF THE SERVICE IN THE 12 MONTHS PRIOR TO THE EVENT(S) GIVING RISE TO THE CLAIM (IF ANY); OR (B) 100 USD (OR THE EQUIVALENT IN LOCAL CURRENCY). SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES. ACCORDINGLY, THE ABOVE LIMITATION MAY NOT APPLY TO YOU TO THE EXTENT PROHIBITED BY LAW.
To the fullest extent permitted by applicable law, you agree to defend, indemnify, and hold harmless ValoremAI and its affiliates, officers, directors, employees, agents, suppliers, and licensors from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Service, including, but not limited to, any use of the Service's content, services, and products other than as expressly authorized in these Terms or your use of any information obtained from the Service.
ValoremAI is committed to ensuring digital accessibility for people with disabilities. We are continually improving the user experience for everyone and applying the relevant accessibility standards. If you encounter accessibility barriers on this Site, please contact us at contact@valorem.ing
The Service may contain links to third-party websites or services that are not owned or controlled by ValoremAI. ValoremAI has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that ValoremAI shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services. We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will make reasonable efforts to provide notice prior to any new terms taking effect, such as by posting a notice on the Site. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, in whole or in part, please stop using the website and the Service. Please check these Terms periodically for changes. The "Last Updated" date at the top of these Terms indicates when the latest modifications were made.
We may terminate or suspend your access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms. Upon termination, your right to use the Service will cease immediately.
These Terms shall be governed and construed in accordance with the laws of the State of Israel, without regard to its conflict of law provisions. You agree that any legal action or proceeding arising out of or relating to these Terms or the Service shall be brought exclusively in the competent courts located in Tel Aviv-Yafo, Israel, and you hereby irrevocably consent to the jurisdiction of such courts.
If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.
No waiver by ValoremAI of any term or condition set out in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of ValoremAI to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.
These Terms and our Privacy Policy constitute the sole and entire agreement between you and ValoremAI regarding the Service (this website) and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Service.
If you have any questions about these Terms, please contact us via the information provided on our Contact Page or email us at contact@valorem.ing.
Last Updated: May 11, 2025
