Terms of Service

1. Agreement to Terms

By accessing or using the services provided by Value Adders World ("Value Adders," "Company," "we," "us," or "our") through our websites, applications, and platforms, you ("User," "you," or "your") agree to be bound by these Terms of Service ("Terms").

If you do not agree to these Terms, you must not access or use our services.

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2. Eligibility

2.1 Age Requirements

You must be at least 16 years old to use our services. If you are under 18, you represent that you have your parent or guardian's permission.

2.2 Account Requirements

To access certain features, you must:

• Create an account with accurate, current, and complete information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized access
• Accept responsibility for all activities under your account

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3. Description of Services

Value Adders provides a suite of AI-powered products and services designed to enhance productivity, creativity, and business operations:

3.1 AI-Powered Features

Our services incorporate artificial intelligence. By using these features, you acknowledge:

• AI outputs are provided "as-is" and may not always be accurate or complete
• You are responsible for reviewing and verifying AI-generated content
• AI systems are subject to limitations and may produce unexpected results
• Human oversight is maintained for critical decisions

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4. Acceptable Use

4.1 Prohibited Activities

You agree NOT to:

• Use the services for any illegal purpose
• Harass, abuse, threaten, or intimidate other users
• Attempt to gain unauthorized access to any part of our services
• Transmit viruses, malware, or other harmful code
• Use AI features to generate illegal, harmful, or deceptive content
• Attempt to extract or reverse-engineer our AI models
• Resell or redistribute our services without authorization

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5. Intellectual Property

All content on our services is owned by Value Adders World or our licensors and is protected by copyright, trademark, and other intellectual property laws.

5.1 User Content

Ownership: You retain ownership of any content you submit to our services.

License to Us: By submitting content, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, and display such content in connection with our services.

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6. Payment Terms

6.1 Fees

Certain features require payment. All fees are stated in Euros (€) unless otherwise indicated and are subject to change with 30 days' notice.

6.2 Subscriptions

• Subscriptions automatically renew unless cancelled
• You may cancel at any time; cancellation takes effect at the end of the current period
• 14-day right of withdrawal for EU customers on annual plans

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7. Disclaimers

7.1 Financial Disclaimer

Information provided through our financial services (Akuoma, Valutoria) is for informational purposes only and does not constitute financial, investment, tax, or legal advice.

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8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, Value Adders World SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.

Our total liability shall not exceed the greater of: (a) the amount you paid us in the 12 months preceding the claim, or (b) €100.

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9. Governing Law

These Terms are governed by and construed in accordance with the laws of the Netherlands. Disputes shall be submitted to the exclusive jurisdiction of the courts of Amsterdam, Netherlands.

9.1 EU Consumer Rights

If you are an EU consumer, you may bring claims in the courts of your country of residence. You may also use the EU Online Dispute Resolution platform: https://ec.europa.eu/consumers/odr

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10. Changes to Terms

We may modify these Terms at any time. Changes will be effective when posted to our website. We will notify you of material changes via email or prominent notice on our website.

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11. Contact Information

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"Add value or don't act." — The Value Adders Creed