ValoraFlow – Terms of Service

1. Acceptance of Terms

By accessing or using ValoraFlow (the "Platform"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Platform. These Terms govern your use of ValoraFlow as a data analytics software tool and do not create any financial, lending, or advisory relationship between you and ValoraLens, Inc.

ValoraFlow is designed for use by real estate professionals, investors, loan brokers, and lenders in a business capacity. The Platform is a decision-support tool offering analytical models and data-driven workflows to support internal evaluation processes. If you are using the Platform for personal, non-business purposes, you acknowledge that certain provisions of these Terms may not be enforceable against you as a consumer in your jurisdiction, and you agree to consult with legal counsel regarding your rights.

2. What ValoraFlow Is

ValoraLens is a B2B data and analytics company. ValoraFlow is an AI-powered platform for residential real estate investment and lending analysis. The platform provides investors, loan brokers, and lenders with structured insights through scenario modeling, cash flow analysis, and financing scenario exploration. ValoraFlow is a data analytics and scenario modeling platform for real estate professionals.

The platform processes user-provided inputs and publicly available market data to generate analytical models and hypothetical scenario outputs. ValoraFlow is a software tool. Its outputs are the mathematical results of user-defined parameters applied to analytical models.

Specifically, the Platform provides:

Scenario modeling based on user-defined inputs and underwriting benchmarks
Side-by-side comparison of multiple loan structure parameters
Cash flow visualization across hypothetical scenarios
Portfolio-level capital modeling across sequential deal scenarios
A conversational AI interface for navigating models and generating scenario outputs

ValoraLens operates on a SaaS model, providing subscription-based software and enterprise solutions.

3. What ValoraFlow Is Not

                📌 No Financial, Investment, or Legal Advice

                All content, outputs, models, projections, comparisons, and analyses are for informational and educational purposes only. Nothing on this platform constitutes financial advice, investment advice, legal advice, or any other form of professional advisory service. ValoraLens, Inc. is not a registered investment advisor, broker-dealer, mortgage broker, lender, or financial planner.

                📌 Not a Lending or Underwriting Service

                ValoraFlow does not provide mortgage lending, loan origination, loan underwriting, or credit assessment services. Loan structure comparisons are illustrative analytical tools only and do not represent actual loan offers, pre-approvals, or commitments from any lender. ValoraLens does not facilitate, broker, or arrange financing between users and lenders.

                📌 No Guarantee of Outcomes

                Scenario models represent hypothetical scenarios only and do not guarantee, predict, or warrant any particular investment outcome, financing approval, return on investment, or market performance. Actual results will vary materially based on factors outside ValoraLens's control.

3.1 No Fiduciary Relationship

ValoraLens and User are independent contracting parties. No joint venture, partnership, employment, or fiduciary relationship exists between you and ValoraLens. ValoraLens owes no fiduciary duties (including duties of loyalty, care, or disclosure) to you or any third party arising out of these Terms or your use of the Platform.

4. Conversational AI Interface – No Judgment, No Recommendations

ValoraFlow includes a conversational AI interface ("the Interface") to assist Users in navigating data sets, visualizing scenario models, and performing mathematical simulations. The Interface is an automated tool designed to process User-provided inputs and publicly available data based on predefined logic and standard industry benchmarks.

⚠️ NO DISCRETIONARY JUDGMENT
All responses, analyses, and outputs generated through the Interface are the result of automated algorithmic processing and do not involve the exercise of human professional judgment, credit assessment, or discretionary financial advice by ValoraLens, Inc. The Interface does not "recommend" specific actions but rather visualizes the mathematical outcomes of hypothetical scenarios entered or requested by the User.

⚠️ USER RESPONSIBILITY FOR AI OUTPUTS
Users acknowledge that AI-generated content may contain inaccuracies, technical limitations, or data latencies. Users are solely responsible for verifying the accuracy of any output generated by the Interface before incorporating such information into any business or investment decision. Reliance on the Interface's conversational outputs is at the User's own risk.

No AI-generated output constitutes the opinion, recommendation, or analysis of a licensed attorney, financial advisor, mortgage broker, certified public accountant, or any other licensed professional. AI outputs should be treated as a starting point for further analysis and independent professional consultation, not as a final determination.

5. Loan & Lender Models – Illustrative Only

Loan structure comparisons (DSCR, Hard Money, Fix & Flip, and other products) use illustrative lender parameters based on publicly available benchmarks. These are not actual loan offers, pre-approvals, or commitments. Actual lender underwriting varies significantly by borrower creditworthiness, property type, market conditions, geographic location, and time of application.

Inclusion of any lender parameters or underwriting benchmarks within the Platform does not constitute an endorsement or representation by that lender. Users seeking actual financing should engage directly with licensed mortgage brokers, lenders, or financial institutions.

6. Anonymous Trial Access

ValoraFlow offers anonymous trial access using an email address only, without full account creation. By providing an email address for anonymous access, you consent to receiving one (1) transactional email containing a link to your session output. You will not be subscribed to marketing communications without separate opt-in consent.

Anonymous trial sessions are ephemeral: data entered during an anonymous session is deleted within 24 hours of session inactivity. ValoraLens does not retrieve, restore, or reconstruct anonymous session data after deletion. ValoraLens reserves the right to modify or discontinue anonymous access at any time without notice.

7. Your Responsibility & Professional Consultation

You alone are responsible for your own investment, financing, and business decisions. ValoraLens expressly recommends that all users consult with qualified and licensed professionals—including real estate attorneys, certified financial planners, registered investment advisors, licensed mortgage brokers, and CPAs—before making any investment or financing decision.

ValoraFlow is designed as a decision-support tool to help professionals structure their analysis. It does not replace, and should not be used as a substitute for, the advice of a licensed professional with knowledge of your specific circumstances.

8. Indemnification

You agree to indemnify, defend, and hold harmless ValoraLens, Inc., its officers, directors, employees, agents, and licensors from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:

Your use of ValoraFlow outputs in any investment or financing decision
Your violation of these Terms
Your violation of any applicable law or regulation
Any dispute between you and a third party arising from your reliance on the Platform

9. Limitation of Liability

                ⚖️ TO THE FULLEST EXTENT PERMITTED BY LAW

                ValoraLens, Inc., its officers, directors, employees, agents, and licensors shall not be liable for any direct, indirect, incidental, consequential, special, or exemplary damages arising out of or in connection with a User's reliance on any output, analysis, model, projection, or content provided through the ValoraFlow platform, including but not limited to: investment or financing losses; failed transactions; errors or omissions in third-party data; inaccuracies in AI-generated outputs; or changes in market conditions, interest rates, or underwriting standards.

ValoraLens's total aggregate liability to any User shall not exceed the greater of (a) the subscription fees paid by that User in the twelve (12) months preceding the claim, or (b) one hundred dollars ($100). For anonymous trial users who have paid no fees, ValoraLens's aggregate liability shall not exceed one hundred dollars ($100).

10. Disclaimer of Warranties

THE VALORAFLOW PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. VALORALENS EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. VALORALENS DOES NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.

11. Data Accuracy & Third-Party Sources

ValoraFlow incorporates data from third-party sources, including publicly available market data, property records, and economic indicators. ValoraLens does not warrant the accuracy, completeness, timeliness, or fitness for purpose of any third-party data. Market conditions, property valuations, interest rate benchmarks, and lending parameters are subject to change without notice. Users should independently verify all material data before relying on it for any decision.

12. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions. Any dispute arising from or relating to these Terms or the ValoraFlow platform shall first be subject to good-faith negotiation between the parties. If unresolved, disputes shall be submitted to binding arbitration in accordance with the rules of the American Arbitration Association.

13. Modifications to Terms

ValoraLens reserves the right to modify these Terms at any time. Material changes will be communicated to registered users via email or in-platform notification at least fourteen (14) days before taking effect. Continued use of the platform after the effective date of modified Terms constitutes acceptance of the updated Terms.

14. Contact Information

For questions regarding these Terms of Service, please contact:

ValoraLens, Inc.
Legal Inquiries: legal@valoralens.com
Support: support@valoralens.com
Website: valoralens.com