1. Introduction & Acceptance

   1.1 These Terms and Conditions (“T&C”) govern your use of Valurium Ltd’s website and services.

   1.2 By accessing this website, registering for an account, or engaging in any investment opportunities, you acknowledge that you have read, understood, and agreed to these Terms.

   1.3 If you do not agree with any part of these Terms, you must immediately discontinue use of our services.

2. Eligibility for Investment Services

   2.1 Our investment opportunities may only be available to individuals or entities who:

      •Meet the legal age requirement (All investors must be at least 18 years old, regardless of their country of residence. Non-UK residents must also comply with the legal investment age in their country of residence, if higher)

      •Are not residents of restricted jurisdictions (as defined by UK financial regulations and international sanctions).

      •Meet the minimum investment criteria or investor classification (e.g., Accredited Investors, High Net Worth Individuals, or Sophisticated Investors where applicable).

   2.2 It is your responsibility to determine whether you are eligible to invest in the opportunities provided by Valurium Ltd under the laws of your country of residence.

   2.3 We reserve the right to refuse service or investment access to any individual or entity at our sole discretion.

3. Use of Website & Services

   3.1 You agree to use our website and services lawfully and ethically. You may not:

      •Use the website for fraudulent, unlawful, or misleading purposes.

      •Attempt to hack, interfere with, or disrupt our website, client portal, or data.

      •Use automated systems (bots, scrapers) to access our website without authorization.

      •Misrepresent your identity, financial status, or investment experience.

   3.2 We reserve the right to restrict, suspend or terminate a user’s access to our services, website, or investment opportunities if they violate these Terms, engage in fraudulent activity, or pose a legal or security risk to our platform or other investors.

4. Investment Risks & Disclaimers

   4.1 No Investment Guarantees:

Investing in pre-listing startups, small caps, private placements, and tokenized assets involves significant risk. There are no guarantees of profit, and you may lose some or all of your investment.

   4.2 Market Risks & Volatility:

Investments in alternative assets are subject to extreme market fluctuations and liquidity constraints. These risks may result in long holding periods before exit opportunities arise.

   4.3 No Financial Advice:

All content on our website is for informational purposes only and should not be considered financial, legal, or tax advice. You should consult with a licensed professional before making investment decisions.

   4.4 Regulatory Compliance:

Some investments may not be regulated by the Financial Conduct Authority (FCA) and may not qualify for Financial Services Compensation Scheme (FSCS) protection. It is your responsibility to verify regulatory implications before investing.

5. Access & Security

    5.1 User Registration & Access

Certain investment opportunities or services may require users to register and verify their identity before gaining access. By registering, you agree to provide accurate, complete. and up-to-date information as required by our compliance and security protocols.

   5.2 Security & Responsibilities

Users are responsible for safeguarding any login credentials, secure links, or other access methods provided by us. You must notify us immediately if you suspect unauthorized use or access to our services.”

   5.3 Suspension or Termination of Access

We reserve the right to restrict, suspend, or terminate a user’s access to our services, website, or investment opportunities if they violate these Terms, engage in fraudulent activity, or pose a legal or security risk to our platform or other investors.

6. Anti-Money Laundering (AML) & Know Your Customer (KYC) Compliance

   6.1 We are required to comply with UK AML regulations and KYC requirements to prevent fraud and financial crime.

   6.2 All investors must complete identity verification before accessing investment opportunities.

   6.3 We reserve the right to request additional documentation regarding the source of funds and to reject transactions that do not comply with AML regulations.

   6.4 Transactions flagged as suspicious may be reported to regulatory authorities in accordance with UK law.

7. Fees & Charges

   7.1 Fees for Services

Certain investment opportunities or services may be subject to fees, including but not limited to transaction fees, management fees, or performance-based fees. Any applicable fees will be disclosed before you commit to an investment.

   7.2 Commission & Compensation 

Valurium Ltd may receive commissions, referral fees, or compensation from certain investment opportunities, issuers, or third-party partners. These commissions do not impact the price or terms of your investment unless explicitly stated. Any compensation arrangements relevant to a particular investment will be disclosed to you in advance where required by law or regulation.

   7.3 Potential Conflicts of Interest

As Valurium Ltd may receive commissions or compensation from certain investment providers, this may create a potential conflict of interest. We are committed to acting in the best interests of our clients and strive to ensure that all investment recommendations and opportunities are selected based on their merit and suitability for investors, regardless of any compensation received. Where required by law, we will disclose any conflicts of interest to you in advance.

   7.4 Fee Updates & Modifications

We reserve the right to update our fee structure at any time. Any changes will be communicated to users where applicable, and continued use of our services after such changes constitutes acceptance of the revised fee terms.

8. Termination & Suspension of Accounts

   8.1 We reserve the right to suspend or terminate your access at our sole discretion if:

      •You violate these Terms & Conditions.

      •You provide false or misleading information during registration or KYC verification.

      •Your account is involved in suspicious or fraudulent activity.

   8.2 Upon termination, you will no longer have access to investment opportunities, portfolio tracking, or account services.

9. Limitation of Liability

   9.1 No Liability for Investment Losses:

Valurium Ltd is not responsible for investment losses, lost profits, or any financial damages resulting from market performance.

   9.2 No Warranty of Service Availability:

We do not guarantee that the website, client portal, or investment services will be uninterrupted, error-free, or secure at all times.

   9.3 Third-Party Services:

We are not responsible for the accuracy, security, or reliability of third-party platforms, investment partners, or external service providers.

10. Governing Law & Jurisdiction

   10.1 These Terms & Conditions are governed by the laws of England and Wales.

   10.2 Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of UK courts.

11. Changes to Terms & Conditions

   11.1 We reserve the right to update or modify these Terms & Conditions at any time.

   11.2 Significant changes will be communicated via email or website notification.

   11.3 Continued use of our services after updates constitutes acceptance of the revised Terms.

12. Investor Eligibility Criteria

   12.1 Investment Access May Be Restricted Based on:

      •Investor Classification: Accredited, High Net Worth, or Sophisticated Investors may be required for certain offerings.

      •Jurisdictional Regulations: Some investment products may only be available to investors in approved jurisdictions.

13. Tax Considerations & Investor Responsibilities

   13.1 Tax Obligations:

      •Investors are solely responsible for understanding and fulfilling their tax obligations related to investment gains.

      •We do not provide tax advice and recommend consulting a professional tax advisor.

   13.2 Withholding Taxes & Reporting:

      •Depending on your jurisdiction, withholding taxes may apply to certain investments.

      •We comply with applicable tax reporting laws but are not responsible for filing on behalf of investors.

14. Contact Information

For questions regarding these Terms & Conditions, please contact us:

   •Email: contact@valurium.com

   •Address: 128, City Road, London, EC1V 2NX, United Kingdom

Effective Date: 15. January 2025

Last Update: 1. February 2025