Disclaimer, Terms & Privacy

Not Investment Advice

Valuatum AI Equity Reports ("Reports") are AI-generated research materials provided for informational and educational purposes only. They do not constitute investment advice, financial advice, trading advice, or any other form of advice regulated under applicable financial services law.

Reports may contain analytical rating, recommendation, target-price, or upside/downside language as part of the research output. That language is general analysis only and does not constitute a personal recommendation, solicitation, or offer to buy or sell any securities, financial instruments, or other investment products in any jurisdiction.

Reports do not take into account any individual user's financial situation, investment objectives, risk tolerance, time horizon, or any other personal circumstances. Investment decisions should always be made in light of your own individual circumstances and, where appropriate, with the assistance of a qualified financial adviser.

Past performance of any company discussed in a report is not indicative of future performance or results. All investments carry risk, including the risk of total loss of the amount invested.

Accuracy and AI-Generated Content

Reports are generated by artificial intelligence using structured financial data and a proprietary analytical framework. While Valuatum endeavours to use accurate and up-to-date data, we cannot guarantee the accuracy, completeness, timeliness, or fitness for purpose of any information contained in a Report.

AI-generated content may contain errors, omissions, or misinterpretations of the underlying data. You should independently verify all key figures, ratios, and analytical conclusions before relying on them for any purpose.

The financial data used in Reports is sourced from publicly available financial statements, consensus estimate databases, and exchange data. Valuatum does not collect or use material non-public information (MNPI).

No Liability

To the fullest extent permitted by law, Valuatum Oy and its officers, directors, employees, and agents shall not be liable for any loss, damage, or expense of any kind arising directly or indirectly from use of or reliance on any Report or other content provided on this website, whether based on contract, tort, negligence, statutory duty, or otherwise.

This includes, without limitation, direct, indirect, incidental, punitive, and consequential losses, and losses arising from investment decisions made in reliance on any Report.

Terms of Use

Eligibility. You must be 18 years of age or older to purchase and use Reports.

Licence. Paid Reports are licensed for your personal, internal, non-commercial research and reference use only. You may not reproduce, redistribute, sell, publish, or commercially exploit Reports or any portion of them without prior written permission from Valuatum.

No redistribution. You may not share paid Report content publicly, post it on social media, or distribute it to third parties (other than sharing with colleagues within your organisation for internal use). Contact contact26@valuatum.com for commercial licensing.

Refund policy. Because Reports are digital products that are generated and delivered instantly upon purchase, refunds are not available after a Report has been generated and accessed. In the event of a technical failure that prevents a Report from being generated, you will receive a full refund. Contact contact26@valuatum.com with any payment or delivery issues.

Governing law. These terms are governed by the laws of Finland. Any dispute arising shall be subject to the exclusive jurisdiction of the courts of Helsinki, Finland.

Changes. Valuatum reserves the right to update these terms at any time. Continued use of the service after changes constitutes acceptance of the updated terms.

Privacy Policy

Data controller. Valuatum Oy, Helsinki, Finland.

What we collect. When you use this website, we may collect: email address (if provided voluntarily), payment information (processed by Stripe — not stored by Valuatum), search queries, and usage analytics (page views, events, device type, referrer).

How we use it. We use collected data to: deliver purchased reports, send reports or updates you have requested, improve our product and pricing based on demand signals, and communicate with you about your account or purchases. We do not sell your data to third parties.

Analytics. We use analytics tools to track usage events on this website. Analytics data is aggregated and used for product improvement and demand analysis. We do not use analytics to identify or track individual users beyond the scope of our service.

Payment processing. All payment processing is handled by Stripe. Valuatum does not store or process payment card details. Stripe's privacy policy applies to payment data.

Cookies. This website may use cookies and local storage for session management and analytics. You can disable cookies in your browser settings, which may limit some functionality.

Your rights. Under GDPR, you have the right to access, correct, or delete personal data we hold about you. Contact contact26@valuatum.com for any data requests.

Data retention. Email addresses are retained until you unsubscribe or request deletion. Transaction records are retained as required by Finnish accounting law (7 years).

Contact

For legal, compliance, or privacy enquiries: contact26@valuatum.com

For support: contact26@valuatum.com

For enterprise licensing: contact26@valuatum.com

Valuatum Oy · Helsinki, Finland