Disclaimer

Valorys.co and associated platforms

Last updated: January 2026

IMPORTANT PREAMBLE

READ CAREFULLY BEFORE USING ANY SERVICE, CONTENT, OR MATERIAL PROVIDED BY VALORYS.

"Valorys" is a trademark of TEMA Digital LLC (hereinafter "Company", "We", "Our"). The Company provides exclusively training material with exclusively educational and didactic purposes. All content, courses, webinars, live sessions, consultations, events, Platform tools, and any other material provided by the Company are exclusively educational and informational in nature.

1. NATURE OF SERVICES

1.1 Exclusively Educational Purpose

All Services offered by Valorys, including but not limited to online courses, webinars, live streaming, recorded videos, educational materials, educational consultations, events, and Platform tools, are part of educational and training programs that illustrate to students how to understand and analyze cryptocurrency markets, decentralized finance (DeFi), wealth management, and blockchain technologies.

THE PURPOSE OF VALORYS IS SOLELY TO SPREAD AWARENESS AND KNOWLEDGE. CRYPTOCURRENCY MARKETS AND INVESTMENTS ARE EXTREMELY RISKY ACTIVITIES, NOT SUITABLE FOR EVERYONE, AND SHOULD ONLY BE APPROACHED WITH HIGH KNOWLEDGE AND ADEQUATE PREPARATION.

1.2 What We Are NOT

THE COMPANY, ITS FOUNDERS, MEMBERS, DIRECTORS, EMPLOYEES, COLLABORATORS, AFFILIATES, PARTNERS, AND REPRESENTATIVES:

• (a) Are NOT financial advisors, investment advisors, wealth managers, financial promoters, financial intermediaries, brokers, dealers, or any other regulated professional figure in the financial sector;
• (b) Are NOT authorized, registered, or licensed with any financial supervisory authority in any jurisdiction (including SEC, FINRA, FCA, CONSOB, BaFin, AMF, ESMA, SFC, MAS, or any other authority);
• (c) Do NOT provide financial, investment, tax, legal, accounting, or professional advice of any kind;
• (d) Do NOT manage, administer, custody, or have access to Users' assets, portfolios, wallets, funds, or assets;
• (e) Do NOT collect, custody, manage, or invest money, cryptocurrencies, or assets on behalf of third parties;
• (f) Do NOT solicit, recommend, promote, or incentivize investments in cryptocurrencies, tokens, DeFi protocols, NFTs, or any other financial instrument;
• (g) Do NOT guarantee, promise, or assure returns, profits, gains, or financial results of any kind;
• (h) Do NOT act in a fiduciary capacity towards Users;
• (i) Do NOT offer "easy money" or get-rich-quick schemes.

2. NO FINANCIAL OR INVESTMENT ADVICE

NO CONTENT, INFORMATION, MATERIAL, OPINION, ANALYSIS, STRATEGY, TECHNIQUE, EXAMPLE, CASE STUDY, OR ANY OTHER COMMUNICATION PROVIDED BY THE COMPANY THROUGH WEBSITES, PLATFORM, SERVICES, COURSES, WEBINARS, LIVE SESSIONS, CONSULTATIONS, EVENTS, SOCIAL MEDIA, EMAILS, NEWSLETTERS, OR ANY OTHER CHANNEL SHOULD BE INTERPRETED OR CONSIDERED AS:

• (a) Financial, investment, tax, legal, accounting, or professional advice;
• (b) Recommendation, solicitation, or offer to buy, sell, hold, or exchange cryptocurrencies, tokens, financial instruments, securities, or digital assets;
• (c) Indication, trading signal, suggestion, or instruction on how to invest, allocate, manage, or move one's capital or assets;
• (d) Guarantee, promise, or assurance of returns, profits, gains, or financial results;
• (e) Personalized analysis of the User's financial situation, objectives, or risk tolerance;
• (f) Substitute for advice from a qualified, authorized, and regulated professional.

Any concept, notion, opinion, information, technique, strategy, or analysis expressed within the content proposed by Valorys are simply personal opinions of the authors, of a general nature and without the purpose of providing personalized operational advice.

3. RISK WARNINGS

3.1 Risks of Cryptocurrencies and DeFi

THE USER ACKNOWLEDGES, UNDERSTANDS, AND ACCEPTS THAT:

• (a) Cryptocurrencies, digital assets, tokens, and DeFi protocols are EXTREMELY VOLATILE, RISKY, and SPECULATIVE assets;
• (b) The value of cryptocurrencies can fluctuate drastically, even by 100% or more, in short periods of time, INCLUDING THE POSSIBILITY OF TOTAL LOSS OF CAPITAL;
• (c) Cryptocurrency markets operate 24 hours a day, 7 days a week, with high volatility, variable liquidity, and potential manipulation;
• (d) DeFi protocols involve specific and significant risks including: smart contract risks, code vulnerabilities, hacking and exploit risks, liquidation risks, impermanent loss, oracle risks, governance risks, rug pull risks, bridge risks, composability risks, regulatory risks;
• (e) Cryptocurrency transactions are generally IRREVERSIBLE and NON-RECOVERABLE;
• (f) The regulatory framework for cryptocurrencies is constantly evolving and may change significantly and unpredictably at any time;
• (g) Exchange platforms, wallets, DeFi protocols, and bridges may be subject to hacking, malfunctions, sudden closures, failures, or insolvency;
• (h) Past performance is NOT indicative of future results;
• (i) There is a risk of losing ALL invested capital;
• (j) The User may suffer significant financial losses that exceed their financial capacity.

3.2 Informed Decision

BEFORE INVESTING OR TRADING WITH CRYPTOCURRENCIES, THE USER MUST:

• (a) Carefully consider their investment objectives, level of experience, financial situation, and risk tolerance;
• (b) Understand that they should NOT invest money they cannot afford to lose completely;
• (c) Consult qualified and authorized professionals (financial advisors, tax consultants, lawyers) before making decisions;
• (d) Conduct their own independent and thorough research (DYOR - Do Your Own Research);
• (e) Be aware that any speculative activity is carried out under their own exclusive responsibility.

4. DISCLAIMER OF LIABILITY

4.1 No Liability for User Decisions

THE COMPANY ASSUMES NO LIABILITY FOR:

• (a) Any direct, indirect, incidental, consequential, special, punitive, or exemplary damages that may occur to Users in relation to their own investment and trading decisions made in complete autonomy;
• (b) Any financial loss, lost profits, lost opportunities, or economic damage of any nature;
• (c) Any action or omission by the User based on content, services, information, or materials provided by the Company;
• (d) The practical application or interpretation of information and strategies presented in educational content;
• (e) Any fluctuation in the value of cryptocurrencies, tokens, or digital assets;
• (f) Loss of cryptocurrencies, tokens, or digital assets for any reason (hacking, errors, malfunctions, forgotten passwords/seed phrases, etc.);
• (g) Problems, malfunctions, or failures of exchanges, wallets, DeFi protocols, blockchains, or third-party services.

4.2 Accuracy of Information

Although the Company strives to provide accurate and up-to-date information, it DOES NOT GUARANTEE that the information is complete, accurate, up-to-date, correct, or error-free. Information may become outdated quickly due to the dynamic nature of cryptocurrency markets. The User is encouraged to independently verify all information before making any decisions.

5. PLATFORM AND TECHNOLOGICAL TOOLS

The Platform and tools provided by the Company are offered "AS IS" and "AS AVAILABLE". The Company:

• (a) Builds the tools to the best of its abilities, but DOES NOT GUARANTEE the absence of errors, bugs, inaccuracies, malfunctions, or security issues;
• (b) DOES NOT GUARANTEE that the data displayed by the Platform is accurate, complete, timely, or error-free;
• (c) IS NOT RESPONSIBLE for decisions made by the User based on data provided by the Platform;
• (d) IS NOT RESPONSIBLE for malfunctions, interruptions, or errors caused by underlying technologies or third-party services (APIs, blockchains, exchanges, protocols);
• (e) IS NOT RESPONSIBLE for security vulnerabilities, hacking, unauthorized access, loss, or corruption of data;
• (f) The User uses the Platform and tools at their own exclusive risk.

6. TESTIMONIALS AND RESULTS

Any testimonials, case studies, examples of results, or references to earnings presented by the Company:

• (a) Are NOT typical and should NOT be interpreted as a guarantee of performance or similar results;
• (b) Represent exclusively individual experiences of specific people who have used elements of our Services;
• (c) Individual results may vary SIGNIFICANTLY and depend on numerous factors including background, education, experience, skills, dedication, time invested, market conditions, and other factors;
• (d) Past performance does NOT guarantee future results;
• (e) Examples of earnings or income provided are aspirational statements and do NOT represent typical results.

7. 1-ON-1 EDUCATIONAL CONSULTATIONS

Individual consultations offered by the Company have EXCLUSIVELY educational and training purposes. They are aimed at:

• (a) Teaching independent study and research methodologies;
• (b) Illustrating analysis techniques for DeFi protocols and blockchain technologies;
• (c) Providing tools and frameworks for independent evaluation;
• (d) Transmitting technical and methodological knowledge.

CONSULTATIONS DO NOT INCLUDE AND WILL NEVER INCLUDE:

• (a) Advice on how to invest, allocate, or manage the User's personal assets;
• (b) Personalized recommendations on buying, selling, or holding specific assets;
• (c) Analysis of the User's personal portfolio for management purposes;
• (d) Operational instructions on how to move funds or assets;
• (e) Any form of direct or indirect wealth management.

8. THIRD-PARTY CONTENT AND SERVICES

The Sites, Platform, and Services may contain links, references, integrations, or mentions to third-party websites, services, content, products, exchanges, wallets, DeFi protocols, or other tools. The Company:

• (a) Does NOT control, sponsor, approve, recommend, or guarantee such content or services;
• (b) Is NOT responsible for the availability, accuracy, legality, quality, security, or reliability of such content or services;
• (c) Is NOT responsible for losses, damages, or problems arising from the use of such content or services;
• (d) Access to third-party services is at the User's own exclusive risk.

9. USER DECLARATION AND ACCEPTANCE

BY USING THE SERVICES, SITES, PLATFORM, VIEWING CONTENT, FILLING OUT FORMS OR SURVEYS, PARTICIPATING IN EVENTS, OR INTERACTING IN ANY WAY WITH VALORYS, THE USER DECLARES AND ACCEPTS TO:

• (a) Have read, understood, and fully accepted this Disclaimer, the Terms and Conditions, the Privacy Policy, and the Cookie Policy;
• (b) Understand that the Services are exclusively educational and informational in nature;
• (c) Understand that the Company does NOT provide financial, investment, or professional advice;
• (d) Understand and accept the risks associated with cryptocurrencies, digital assets, and DeFi, including the possibility of total loss of capital;
• (e) Take full and total responsibility for their own investment decisions and their consequences;
• (f) Accept all limitations and exclusions of liability set forth in this Disclaimer and related documents;
• (g) Be aware that no financial results are guaranteed;
• (h) Be of legal age and legally capable of entering into binding contracts;
• (i) Have had the opportunity to consult qualified professionals before making any decisions;
• (j) Release the Company, to the extent permitted by law, from any liability connected or arising from the use of the Services, Sites, Platform, and Content.

10. CONTACTS

For any questions regarding this Disclaimer: