Terms and Conditions
INFORMATION
These Terms, together with any and all other documents referred to herein, set out the terms under which Content (including but not limited to Articles, Videos, Forums and Subscriptions) is delivered and sold by Us to consumers through this Website.
Please read these Terms carefully and ensure that you understand them before using our Website or purchasing a Subscription. If you do not agree to comply with and be bound by these Terms, you will not be able to use or purchase a Subscription through our Website.
1. Educational Purpose — Not Investment Advice
1.1 Educational Service Only
The Service is provided strictly for educational and informational purposes. Its sole purpose is to help users learn how to identify and study various stock market analysis methods, including but not limited to technical analysis patterns (such as volatility contraction patterns, relative price strength, and other price-action concepts), fundamental research, and quantitative screening techniques. Any stock symbols, charts, screenshots, watchlists, scans, annotations, commentary, videos, or written materials made available through the Service ("Content") are illustrative examples used to demonstrate these analytical concepts.
1.2 No Investment, Financial, Tax, or Legal Advice
Nothing on the Service constitutes, and nothing should be construed as, investment advice, financial advice, trading advice, a recommendation to buy, sell, hold, or transact in any security, derivative, cryptocurrency, or other financial instrument, nor any tax, legal, accounting, or other professional advice. The Content does not take into account your personal financial situation, investment objectives, risk tolerance, or specific needs.
1.3 Not a Registered Advisor or Broker
We are not a licensed or registered investment adviser, broker-dealer, financial planner, securities firm, fund manager, or any other regulated financial entity in any jurisdiction. We do not manage client funds, execute trades, or provide personalized investment recommendations. No information provided through the Service should be interpreted as a solicitation, offer, or recommendation to engage in any transaction.
1.4 You Must Conduct Your Own Research
You are solely responsible for any decisions you make. Before making any investment or trading decision, you should (a) conduct your own independent research and due diligence, and (b) consult a duly licensed financial adviser, broker, attorney, and/or tax professional in your jurisdiction.
2. Information About Us
2.1 Our Websites, valmentum.ca and valmentum.ai, are operated by Feng Liang, a sole proprietor based in Burnaby, British Columbia, Canada. Correspondence may be sent to [email protected].
2.2 We may be contacted by email at [email protected].
2.3 We are not currently registered for GST/HST or British Columbia PST. Prices are stated exclusive of such taxes. No GST/HST or PST will be added unless and until we are required to register, after which applicable taxes will be shown at checkout and these Terms updated accordingly.
2.4 Privacy enquiries should be directed to [email protected]. See our Privacy & Cookie Policy for details.
3. General Terms
3.1 Consumers may only use our Website and purchase Subscriptions if they are at least 18 years of age.
3.2 These Terms do not apply to customers purchasing Subscriptions in the course of business. Please contact us for further information.
3.3 These Terms, as well as any and all Contracts, are in the English language only.
4. Content
4.1 We make all reasonable efforts to ensure that Content is up to date and as factual as possible, based on the research that we have available to us. We do not provide assurances as to the accuracy or completeness of the information provided.
4.2 Information such as statistical data, dollar amounts, and market data is provided by the company in question and/or any related sources which we believe to be correct at the time.
4.3 Minor changes may, from time to time, be made to certain Content, for example, to reflect changes in the market, relevant laws and regulatory requirements, or to address technical or security issues. If any change is made that would affect your use of the Content, suitable information will be provided to you.
4.4 Topics and Threads available in the forum are designed for individuals to discuss issues, receive advice and share experiences related to the website, stocks, shares and investments. All discussion content within forums reflects the views of individual participants only and does not necessarily represent the views held by Us.
4.5 Users of the forum agree not to use any obscene or offensive language or to place on discussion forums any material that is: profane, inaccurate, defamatory, false, inappropriate, threatening, hateful, constitutes junk mail or unauthorized advertising, infringes on any person's privacy, violates copyright laws, encourages conduct that would constitute a criminal offence, give rise to civil liability, or otherwise be in violation of any law or regulation. We reserve the right to remove any such content at any time without your consent.
4.6 To maintain high-quality content, We reserve the right to remove messages we assess to be inappropriate or off topic and to conduct editing we identify as reasonable. Although We can delete messages, you remain solely responsible for the content of your messages, and you agree to indemnify and hold harmless the operator of this Website with respect to any claims arising from your messages.
5. Subscriptions, Pricing and Availability
5.1 We make all reasonable efforts to ensure that all Subscriptions available from Us correspond to the actual Subscription that you will receive.
5.2 We may from time to time change Our prices. Changes in price will not affect any Subscription that you have already purchased but will apply to any subsequent renewal or new Subscription. We will inform you of any change in price at least 30 days before the change is due to take effect. If you do not agree to such a change, you may cancel the Contract as described in Clause 11.
5.3 Where any updates are made to Paid Content, that Paid Content will continue to match Our description of it as provided to you before you purchased your Subscription to access the Paid Content. Please note that this does not prevent Us from enhancing the Paid Content, thereby going beyond the original description.
5.4 If We discover an error in the price or description of your Subscription after your order is processed, We will inform you immediately and make all reasonable efforts to correct the error. You may, however, have the right to cancel the Contract if this happens. If We inform you of such an error and you do wish to cancel the Contract, please refer to Clause 11.
5.5 Unless otherwise stated at checkout, prices shown on our Website are exclusive of taxes. As we are currently not registered for GST/HST or BC PST, no such taxes will be added. If we subsequently register for GST/HST and/or BC PST, applicable taxes (5% federal GST in British Columbia and, where the Paid Content is subject to BC PST, 7% PST) will be shown separately before payment. If tax rates change between order and payment after registration, the corrected taxable amount will be applied at checkout.
6. Orders
6.1 Our Website will guide you through the process of purchasing a Subscription. Before completing your purchase, you will be given the opportunity to review your order and amend it. Please ensure that you have checked your order carefully before submitting it.
6.2 No part of our Website constitutes a contractual offer capable of acceptance. Your order to purchase a Subscription constitutes a contractual offer that We may, at Our sole discretion, accept. Our acceptance is indicated by Us sending you a Subscription Confirmation by email. Only once We have sent you a Subscription Confirmation will there be a legally binding Contract between Us and you.
6.3 Subscriptions are offered on a monthly or annual basis only. Monthly subscriptions renew every calendar month; annual subscriptions renew every 12 months. All subscriptions automatically renew at the end of each billing period unless cancelled in accordance with Clause 11.
6.4 Confirmations shall contain the following information:
6.4.1 Your Subscription ID (your email address);
6.4.2 Confirmation of the Subscription;
6.4.3 The duration of your Subscription; and
6.4.4 Confirmation of your acknowledgement that the Paid Content will be made available to you immediately, and that our refund arrangements are as set out in sub-Clause 11.1 (including a 7-day refund for a first-time Subscription);
6.5 In the unlikely event that We do not accept or cannot fulfill your order for any reason, We will explain why in writing. No payment will be taken under normal circumstances. If We have taken payment, any such sums will be refunded to you as soon as possible and in any event within 14 days. Refunds under this Clause will be made using the same payment method that you used when purchasing your Subscription.
7. Payment
7.1 Payment for Subscriptions must always be made in advance. Your chosen payment method will be charged when we process your order and send you a Subscription Confirmation.
7.2 We accept Stripe payments on our Website.
7.3 If you do not make any payment due to Us on time, We will suspend your access to the Paid Content. For more information, please refer to Clause 8.2. If you do not make payment within 48 hours of Our reminder, We may cancel the Contract. Any outstanding sums due to Us will remain due and payable.
7.4 We reserve the right to charge a US$25.00 administration fee on any payment reminders.
7.5 If you believe that We have charged you an incorrect amount, please contact Us via email as soon as reasonably possible to let us know. You will not be charged for Paid Content while availability is suspended.
8. Provision of Paid Content
8.1 In some limited circumstances, We may need to suspend the provision of Paid Content (in full or in part) for one or more of the following reasons:
8.1.1 To fix technical problems or to make necessary minor technical changes;
8.1.2 To update the Paid Content to comply with relevant changes in the law or other regulatory requirements;
8.1.3 To make more significant changes to the Paid Content.
8.2 If We need to suspend the availability of the Paid Content for any of the reasons set out in Clause 8.1, We will inform you in advance of the suspension and explain why it is necessary (unless We need to suspend availability for urgent or emergency reasons such as a dangerous problem with the Paid Content, in which case We will inform you as soon as reasonably possible after suspension).
8.3 We may suspend the provision of the Paid Content if We do not receive payment on time from you. We will inform you of the non-payment on the due date; however, if you do not make payment within 24 hours of Our notice, We may suspend the provision of the Paid Content until We have received all outstanding sums due from you. If We do suspend the provision of the Paid Content, We will inform you of the suspension.
8.4 Any refunds under this Clause will be issued to you as soon as possible, and in any event within 14 calendar days of the day on which the event triggering the refund occurs. Refunds under this Clause will be made using the same payment method that you used when purchasing your Subscription.
9. License
9.1 When you purchase a Subscription to access Paid Content, We will grant you a limited, non-exclusive, non-transferable, non-sublicensable license to access and use the relevant Paid Content for personal, non-commercial purposes. The license granted to you does not give you any rights to Our Paid Content (including any material that We may license from third parties).
9.2 The license granted to you under Clause 9.1 is subject to the following usage restrictions and/or permissions:
9.2.1 You may not copy, rent, sell, publish, republish, share, broadcast or otherwise transmit the Paid Content (or any part of it) or make it available to the public except as permitted under the Copyright Act (Canada).
10. Problems with the Paid Content
10.1 By law, We must provide digital content that is of satisfactory quality, fit for purpose, and as described. If any Paid Content available through your Subscription does not comply, please contact Us as soon as reasonably possible to inform Us of the problem.
10.2 If there is a problem with any Paid Content, please contact Us as per Clause 2 to inform Us of the problem.
10.3 Refunds (whether full or partial, including reductions in price) under this Clause will be issued within 14 calendar days of the day on which We agree that you are entitled to the refund. Refunds under this Clause will be made using the same payment method that you used when purchasing your Subscription.
11. Cancelling Your Subscription
11.1 Refund Window (7 Days, First-Time Only)
You may cancel a first-time Subscription and request a full refund within 7 days of your Subscription Confirmation. This is without prejudice to any refund required by law or under Clauses 11.3–11.4.
11.2 Automatic Renewal – Monthly
Monthly Subscriptions renew automatically every calendar month. If you cancel before the next renewal date and have not accessed any Paid Content during the current month, you may request a full refund of the current month via your account. However, if you have accessed any Paid Content at any point during the current monthly period (including logging in, opening any paid report, chart, scan, video, or forum, or downloading any file), the entire monthly period is deemed fully used and no refund will be provided. Cancellation stops future monthly renewals, and access continues until the end of the current paid month.
11.3 Automatic Renewal – Annual
Annual Subscriptions renew automatically every 12 months. At least 30 days before each renewal date we will send a renewal notice (in-account and/or by the email on file) showing the renewal price, renewal date, and how to cancel in-account. If you cancel before the renewal date, no further annual charge will be made. If you cancel after the renewal date, we will refund the unused portion calculated strictly on a time basis (remaining days ÷ 365 × amount paid for the renewed year), less a US$100 administrative fee where applicable law permits the deduction. If applicable law requires a refund without any deduction, the US$100 fee will not be applied. Refunds are issued within 15 days and future billing is stopped within 30 days; access continues until the end of the paid year. Refund calculations are based on elapsed time only and not on the number, type, or value of any Paid Content accessed.
11.4 Exceptions – Our Error or Technical Failure
Notwithstanding 11.1–11.3, we will refund (in full or pro-rata by downtime) if Paid Content is not delivered due to our error, or if a technical failure on our side prevents access for more than 72 consecutive hours and is not resolved within a reasonable time. No trading-loss or consequential damages are covered.
11.5 How to Cancel
All cancellations and requests to stop automatic renewal are made through the cancellation tool provided in your account dashboard on the Website. Once you locate the cancellation option within your account settings, follow the on-screen prompts to confirm. Cancellation is effective once the in-account confirmation is displayed and our system records the cancellation. For a first-time 7-day refund under 11.1, use the same in-account refund option. No email, phone, or off-platform step is required. If the in-account cancellation tool is temporarily unavailable due to our technical error, the in-account support section will indicate the alternative method then authorized.
11.6 Refund Currency and Method
All prices, fees, and refunds are in US dollars. Refunds approved under this Clause are made via the original Stripe payment method. You are responsible for any currency-conversion differences imposed by your bank or card issuer.
12. Our Liability
12.1 We and all associated personnel, including but not limited to the owner, contractors, agents and service providers, are not investment, financial, tax, or legal advisors or broker-dealers and do not purport to provide personalized investment, financial, tax, or legal advice in any form. Neither the operator of this Website nor any associated personnel assumes responsibility or liability for your trading and investment results.
12.2 You understand and acknowledge that there is a very high degree of risk of financial loss involved in trading securities and that you alone are responsible for your own trading and investment decisions and results. You understand that anything posted on our Website is not personalized advice to you. We recommend you seek your own independent financial advisor before trading or acting upon any information.
12.3 We are not responsible for any losses incurred or trades made on any of our Content, Articles, Forums and Subscriptions or by any member as a result of any advice, courses, coaching, mentoring services, or any form of circulated media, email, video, or correspondence whatsoever from Us. Members are advised to trade at their own risk and to consult a licensed professional for any and all investment or trading advice.
12.4 Our Paid Content is intended for non-commercial use only. We make no warranty or representation that the Paid Content is fit for commercial, business or industrial use of any kind. We will not be liable to you for any loss of profit, loss of business, interruption to business, or for any loss of business opportunity.
12.5 Nothing in these Terms seeks to limit or exclude Our liability for death or personal injury caused by Our negligence; or for fraud or fraudulent misrepresentation.
13. Complaints and Feedback
13.1 We always welcome feedback from Our customers and, while We always use all reasonable endeavors to ensure that your experience as a customer of Ours is a positive one, We nevertheless want to hear from you if you have any cause for complaint.
13.2 If you wish to complain about any aspect of your dealings with Us, please contact Us as per Clause 2.
14. How We Use Your Personal Information (Data Protection)
We will only use your personal information as set out in Our Privacy Policy and Cookie Policy, which can be found on our Website.
15. Other Important Terms
Assignment
15.1 We may transfer (assign) Our obligations and rights under these Terms to a third party (this may happen, for example, if We sell Our business). If this occurs, you will be informed by Us in writing. Your rights under these Terms will not be affected and Our obligations under these Terms will be transferred to the third party who will remain bound by them.
15.2 You may not transfer (assign) your obligations and rights under these Terms without Our express written permission.
Third Party Rights
15.3 The Contract is between you and Us. It is not intended to benefit any other person or third party in any way and no such person or party will be entitled to enforce any provision of these Terms.
Severance
15.4 If any of the provisions of these Terms are found to be unlawful, invalid, or otherwise unenforceable by any court or other authority, that/those provision(s) shall be deemed severed from the remainder of these Terms. The remainder of these Terms shall continue to be valid and enforceable.
No Waiver
15.5 No failure or delay by Us in exercising any of Our rights under these Terms means that We have waived that right, and no waiver by Us of a breach of any provision of these Terms means that We will waive any subsequent breach of the same or any other provision.
Variation
15.6 We may revise these Terms from time to time in response to changes in relevant laws and other regulatory requirements. If We change these Terms as they relate to your Subscription, We will give you reasonable advance notice of the changes and provide details of how to cancel if you are not happy with them.
16. Law and Jurisdiction
16.1 These Terms and the relationship between you and Us (whether contractual or otherwise) shall be governed by and construed in accordance with the laws of the Province of British Columbia, Canada.
16.2 If you are a consumer, any dispute, controversy, proceedings or claim between you and Us relating to these Terms, or the relationship between you and Us (whether contractual or otherwise) shall be subject to the jurisdiction of the courts of the Province of British Columbia, Canada.
Schedule 1 – Definitions and Interpretation
In these Terms, unless the context otherwise requires, the following expressions have the following meanings:
- "Contract" – means a contract for the purchase of a Subscription to access Paid Content;
- "Content" – means content that is freely available on our Website without being a Subscriber;
- "Paid Content" – means the digital content sold by Us through our Website;
- "Subscription" – means a subscription to our Website providing access to Paid Content;
- "Subscription Confirmation" – means our email acceptance and confirmation of your purchase of a Subscription;
- "Subscription ID" – means the email address used for your Subscription; and
- "We/Us/Our/the Website operator" – means Feng Liang, sole proprietor operating from Burnaby, British Columbia, Canada.
This page is the authoritative English version. Translations into other languages are provided for convenience only; in case of ambiguity, the English version prevails.