Terms of Service

These Terms of Service (the Terms) govern your access to and use of Valo, including the websites at meetvalo.app, the web application, the mobile applications, Sonny AI, portfolio analytics, broker import, market data, notifications, tax tools, subscriptions, exports, and any related services that we provide (together, the Services).

By accessing or using the Services, creating an account, starting a trial, connecting a broker, importing data, or using Sonny AI, you agree to these Terms. If you do not agree, you must not use the Services.

If you use the Services on behalf of a company, partnership, trust, or other organisation, you confirm that you have authority to bind that organisation and that references to you include that organisation.

Valo is operated by Valo Labs LTD, a private limited company registered in England and Wales with company number 17199340 (CH No. 17199340).

Our registered office is Candlemas Cottage, Ham, Marlborough, England, SN8 3RB. You can contact us at hello@meetvalo.app.

Valo Labs LTD is registered at Companies House under SIC code 62012, business and domestic software development.

The Services are intended for individuals who are at least 18 years old. You must not use the Services if you are under 18 or if you are legally barred from doing so.

You are responsible for keeping your login details, devices, API keys, and account access secure. You must provide accurate, current, and complete account information, and you must tell us promptly if you become aware of unauthorised access or a security issue affecting your account.

You are responsible for all activity under your account unless caused by our breach of these Terms or our failure to use reasonable care and skill.

Valo is software for self-directed investors. It helps you organise portfolio information, calculate metrics, review market data, import records, generate educational analysis, and prepare records for your own review.

Valo Labs LTD is not authorised or regulated by the Financial Conduct Authority. The Services are not designed to be regulated financial services. We do not provide investment advice, tax advice, legal advice, accounting advice, portfolio management, order execution, dealing, custody, account opening, investment product distribution, or suitability assessments.

No content in the Services is intended to be, or should be treated as, a personal recommendation, financial promotion, invitation, inducement, offer, solicitation, or instruction to buy, sell, hold, subscribe for, dispose of, or otherwise deal in any investment, cryptoasset, security, derivative, fund, currency, commodity, or other asset.

You retain exclusive responsibility for every decision, filing, transaction, trade, tax position, account connection, import, export, and other action you take, whether inside or outside Valo.

Valo cannot place trades, move money, transfer assets, open brokerage accounts, submit tax returns, contact HMRC or any tax authority for you, or make changes to your broker, exchange, bank, or tax accounts.

You should not rely on Valo as the sole basis for any investment, tax, legal, accounting, regulatory, or financial decision. You should verify information against original sources and consult an FCA authorised financial adviser, qualified tax adviser, accountant, solicitor, or other appropriate professional before acting where advice is needed.

Sonny AI, AI market summaries, AI-generated thesis drafts, follow-up prompts, explanations, digests, analysis, and any other generated output are provided for informational and educational purposes only.

AI-generated content is not financial advice, investment advice, tax advice, accounting advice, legal advice, regulatory advice, or a substitute for professional judgement.

AI systems can be inaccurate, incomplete, outdated, biased, or misleading. They can misread data, omit relevant facts, cite stale sources, misinterpret tax rules, make calculation mistakes, or produce confident but incorrect responses. You must independently verify all AI output before using it.

Sonny may use your portfolio context, selected tools, uploaded attachments, stored market data, third-party data, and optional public web search results to answer questions. Tool results and citations do not make an answer advice, complete, current, or suitable for you.

Valo includes UK-focused tax tracking, including estimates for capital gains, losses, allowance usage, account types, and reports or exports intended to help with record keeping. These tools are estimates based on the data available to Valo and the assumptions implemented in the software.

Tax law changes, and your personal circumstances matter. Valo may not account for every relief, exemption, residency issue, remittance basis point, spouse or civil partner transfer, corporate action, bed and ISA arrangement, reorganisation, fund equalisation, distribution, FX issue, dividend treatment, staking or crypto event, platform fee, data error, or other circumstance relevant to your tax position.

Reports, exports, tables, reminders, and Sonny tax answers are not tax advice and are not a tax return. You are responsible for reviewing the figures, keeping records, choosing tax treatments, filing on time, and paying any tax due.

Prices, market data, financial statements, ratios, benchmarks, news, charts, alerts, calendars, crypto data, exchange rates, technical indicators, and other analytics may come from third-party providers, public sources, broker APIs, scheduled jobs, caches, AI systems, and calculations performed by Valo.

Market data may be delayed, cached, rate-limited, incomplete, unavailable, mislabelled, denominated incorrectly, adjusted differently by different providers, or affected by corporate actions, provider outages, exchange closures, thin liquidity, or API errors.

Alerts and notifications are convenience features only. They may arrive late, fail to arrive, trigger incorrectly, or omit relevant events. Do not use Valo for time-critical trading, tax filing, legal deadlines, compliance monitoring, or emergency decisions.

If you connect a broker or exchange, you authorise Valo to use the credentials or API access you provide to retrieve account data, balances, positions, orders, trades, ledgers, and other supported records from that provider.

You must use the minimum read-only or query-only permissions available from the provider. You must not give Valo withdrawal, transfer, payment, trade, order placement, margin, lending, or other active permissions. Valo is not designed to use those permissions.

Provider APIs can be incomplete or limited. Trading 212, Kraken, and other providers may not expose every account type, historical event, dividend, cash movement, fee, conversion, staking reward, transfer, margin, futures, corporate action, or adjustment. You must compare imported data against your provider records and correct or supplement it where needed.

We store broker credentials encrypted where credential storage is required, but no system can be guaranteed perfectly secure. You should revoke API keys at the provider if you no longer use Valo, if you suspect unauthorised access, or if you granted broader permissions than intended.

Current provider limitations are explained on our API Limitations page. Those notes are not exhaustive and provider behaviour can change without notice.

Some Services require a paid plan. We may offer free trials, introductory pricing, annual plans, monthly plans, usage allowances, feature limits, or beta access. The plan, price, billing period, renewal date, trial terms, and cancellation route will be shown at or before checkout or in the purchase flow.

Unless stated otherwise, subscriptions renew automatically until cancelled. You must cancel before the renewal date if you do not want the next billing period to start. If you buy through Apple, Google, RevenueCat, Stripe, or another payment processor, that purchase channel may control billing, cancellation, renewal, tax, receipts, refunds, and payment method handling.

We may change prices or plan features from time to time. If a change affects an existing paid subscription, we will provide reasonable notice where required so you can cancel before the change applies.

If you are a UK consumer buying digital services at a distance, you may have statutory cancellation rights. Where you request immediate access during any cancellation period, you agree that we can begin providing the Services immediately. You may lose the right to cancel once the relevant digital service has been fully supplied, or you may have to pay for the Services provided before cancellation, depending on the legal position and purchase channel.

Except where required by law or the applicable purchase channel, paid fees are non-refundable. Nothing in these Terms affects your statutory rights.

You retain ownership of portfolio records, broker data, CSV imports, notes, watchlist content, attachments, prompts, feedback, and other content you submit or import into Valo (User Content).

You grant Valo Labs LTD a worldwide, non-exclusive, royalty-free licence to host, copy, process, transmit, analyse, transform, display, and otherwise use User Content as needed to provide, secure, maintain, support, improve, and troubleshoot the Services.

You must only submit User Content that you have the right to submit. You must not submit unlawful content, malware, another person's confidential information without authority, or personal data that you are not allowed to provide.

Personal data is handled under the privacy information we provide separately. These Terms do not limit any data protection rights you have under UK GDPR, the Data Protection Act 2018, or other applicable data protection law.

The Services, including software, designs, interfaces, workflows, databases, models, prompts, code, documentation, logos, trade marks, and Valo-generated content, are owned by Valo Labs LTD or our licensors and are protected by intellectual property laws.

Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable licence to use the Services for your own internal portfolio tracking, research, and record keeping.

You must not copy, reverse engineer, modify, sell, sublicense, scrape, extract, benchmark for competitive purposes, or create derivative works from the Services except where allowed by law or expressly permitted by us in writing.

If you send us ideas, comments, suggestions, bug reports, or other feedback, you grant Valo Labs LTD a perpetual, irrevocable, worldwide, royalty-free licence to use, copy, modify, publish, distribute, and commercialise that feedback without restriction or compensation to you.

You should not send us feedback that includes confidential information or third-party rights unless you have permission to do so.

We may send you service messages, security notices, legal updates, account messages, billing notices, support replies, product updates, and, where permitted, marketing communications.

You can opt out of marketing communications by using the unsubscribe link or contacting us. You cannot opt out of transactional, security, legal, or service-critical communications while you use the Services.

You must not use the Services to:

• break any applicable law, regulation, contract, or third-party right;
• misrepresent who you are or act without required authority;
• upload malware, harmful code, unlawful content, or infringing material;
• probe, scan, attack, overload, disrupt, or bypass security controls;
• scrape, harvest, resell, or commercially exploit data from Valo;
• attempt to extract prompts, system instructions, secrets, keys, or private implementation details;
• use Valo to provide regulated advice or professional services to others unless you are properly authorised and solely responsible for that advice;
• connect broker or exchange credentials that you are not authorised to use;
• grant active trading, transfer, withdrawal, or payment permissions to a Valo broker connection;
• use the Services as a substitute for professional advice, original records, or your own judgement.

The Services may rely on, integrate with, link to, or display data from third parties, including market data providers, AI providers, payment processors, app stores, broker and exchange APIs, hosting providers, authentication providers, notification providers, analytics services, and public websites.

Third-party services are governed by their own terms, policies, limits, fees, availability, and data practices. We are not responsible for third-party services, third-party data, external websites, provider outages, provider API changes, or decisions you make based on them.

We aim to keep the Services useful and available, but we do not guarantee uninterrupted, secure, error-free, or real-time operation. We may suspend, withdraw, replace, limit, or change any part of the Services for operational, security, legal, commercial, or product reasons.

Some features may be labelled beta, preview, experimental, early access, or similar. These features may be less reliable, change quickly, produce incomplete results, or be removed.

We will provide the Services with reasonable care and skill. If you are a consumer, you have statutory rights that cannot be excluded.

Subject to those rights and to any terms that cannot legally be excluded, the Services are provided on an as-is and as-available basis. We do not guarantee that the Services, AI output, tax calculations, broker imports, market data, alerts, exports, or third-party content will be accurate, complete, current, secure, suitable for your needs, or available at any particular time.

Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, breach of statutory rights that cannot be excluded, or any other liability that cannot legally be excluded or limited.

If you are a consumer, we are responsible for losses you suffer that are a foreseeable result of our breach of these Terms or our failure to use reasonable care and skill. We are not responsible for business losses, investment losses, trading losses, missed opportunities, loss of profit, loss of revenue, loss of goodwill, or losses that were not foreseeable.

If you use the Services for business purposes, we exclude all implied conditions, warranties, representations, and terms to the fullest extent permitted by law. We will not be liable for indirect, consequential, special, punitive, or exemplary losses, loss of profit, revenue, business, goodwill, data, tax position, investment value, trading outcome, opportunity, or anticipated savings.

For business users, our total aggregate liability arising out of or in connection with the Services or these Terms is limited to the greater of the fees you paid to us for the Services in the 12 months before the event giving rise to the claim and GBP 100.

You may stop using the Services at any time. Cancelling a subscription does not automatically delete your account or User Content unless the relevant product flow says otherwise.

We may suspend or terminate access to all or part of the Services if you breach these Terms, create risk for Valo or others, fail to pay amounts due, misuse the Services, or if we need to do so for security, legal, operational, or compliance reasons.

Sections that by their nature should survive termination will survive, including sections on advice disclaimers, tax responsibility, data, intellectual property, feedback, prohibited uses, liability, disputes, and governing law.

We may update these Terms from time to time. If changes are material, we will take reasonable steps to notify you, such as posting the updated Terms on the website, showing an in-product notice, or sending an email.

The updated Terms will apply from the date stated in them. If you do not agree to updated Terms, you must stop using the Services before they take effect. Continuing to use the Services after updated Terms take effect means you accept them.

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

If you are a consumer, you can bring legal proceedings in the courts of England and Wales. If you live in Scotland or Northern Ireland, you may also bring proceedings in the courts of Scotland or Northern Ireland respectively where applicable law gives you that right.

If you are a business user, the courts of England and Wales have exclusive jurisdiction over disputes arising out of or in connection with these Terms or the Services.

Questions, notices, complaints, cancellation requests that are not controlled by an app store or payment processor, and support requests should be sent to hello@meetvalo.app.

For copyright or intellectual property complaints, include enough detail for us to identify the material, your rights, and the action you want us to take.