Effective Date: January 1, 2025
Last Updated: January 1, 2025
These Terms and Conditions ("Terms") govern your access to and use of the northvaleanalytics.com website (the "Website") operated by North Vale Analytics ("we," "us," or "our"). By accessing or using the Website, you agree to be bound by these Terms. If you do not agree to these Terms, do not use the Website.
By accessing, browsing, or using this Website, you acknowledge that you have read, understood, and agree to be bound by these Terms and all applicable laws and regulations. You also agree to comply with our Privacy Policy, which is incorporated into these Terms by reference.
North Vale Analytics provides educational and analytical content focused on digital systems data transparency, modern financial technologies, and related topics. Our services include:
The content provided on this Website is for informational and educational purposes only and does not constitute financial, investment, legal, or professional advice.
You must be at least 18 years old to use this Website. By using the Website, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into these Terms.
Certain features of the Website may require you to create an account. You agree to:
We reserve the right to suspend or terminate your account if we suspect any fraudulent, abusive, or illegal activity.
All content on this Website, including but not limited to text, graphics, logos, images, audio clips, video clips, data compilations, software, and the compilation thereof (collectively, "Content"), is the property of North Vale Analytics or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.
We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Website for personal, non-commercial purposes. This license does not include any right to:
North Vale Analytics, our logo, and other marks are trademarks owned by us. You may not use these trademarks without our prior written consent.
If you submit, post, or transmit any content to the Website (including comments, feedback, or suggestions), you grant us a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, distribute, and display such content in any media.
You represent and warrant that:
You agree not to use the Website for any unlawful purpose or in any way that could damage, disable, overburden, or impair the Website. Prohibited activities include, but are not limited to:
The Website may contain links to third-party websites, services, or resources. These links are provided for your convenience only. We do not endorse and are not responsible for:
Your interactions with third-party services are solely between you and that third party.
THE WEBSITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
We disclaim all warranties, including but not limited to:
No Financial Advice: The information provided on this Website is for educational purposes only and should not be construed as financial, investment, legal, tax, or professional advice. You should consult with appropriate professionals before making any financial decisions.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, NORTH VALE ANALYTICS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES.
This limitation applies to all claims, whether based on warranty, contract, tort, or any other legal theory, even if we have been advised of the possibility of such damages.
In jurisdictions that do not allow the exclusion of certain warranties or limitation of liability, our liability will be limited to the maximum extent permitted by law.
You agree to indemnify, defend, and hold harmless North Vale Analytics, its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to:
We reserve the right to modify, suspend, or discontinue any aspect of the Website at any time without notice. We will not be liable to you or any third party for any modification, suspension, or discontinuance of the Website.
We may revise these Terms at any time by updating this page. The "Last Updated" date at the top of this page indicates when these Terms were last revised. Your continued use of the Website after any changes constitutes your acceptance of the modified Terms.
We encourage you to review these Terms periodically to stay informed of any updates.
We may terminate or suspend your access to the Website immediately, without prior notice or liability, for any reason, including but not limited to:
Upon termination, your right to use the Website will immediately cease. All provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.
These Terms shall be governed by and construed in accordance with the laws of the State of Utah, United States, without regard to its conflict of law provisions.
Any disputes arising from these Terms or your use of the Website shall be resolved exclusively in the state or federal courts located in Utah, and you consent to the personal jurisdiction of such courts.
Before filing a formal dispute, you agree to contact us at contact@northvaleanalytics.com to attempt to resolve the issue informally. We will attempt to resolve the dispute in good faith within 30 days.
If informal resolution is unsuccessful, you agree that any dispute shall be resolved through binding arbitration in accordance with the American Arbitration Association's rules. The arbitration shall take place in Utah, United States.
You agree to resolve disputes with us on an individual basis and waive your right to participate in class actions, class arbitrations, or representative proceedings.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.
These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and North Vale Analytics regarding the use of the Website and supersede all prior agreements and understandings.
Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision. No waiver shall be effective unless made in writing.
You may not assign or transfer these Terms or your rights under these Terms without our prior written consent. We may assign these Terms without restriction.
North Vale Analytics
1201 Market Street, Suite 1000, San Francisco, CA 94103, United States
Rowlandtown, UT 66402
United States
Email: contact@northvaleanalytics.com
Phone: +1 816-378-4834
Registration Number: 49222492
We strive to make our Website accessible to all users. If you experience any difficulty accessing any part of the Website, please contact us, and we will work with you to provide the information or service you seek through an alternative method.
BY USING THIS WEBSITE, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS AND CONDITIONS, UNDERSTAND THEM, AND AGREE TO BE BOUND BY THEM.