Terms and Conditions

Effective Date: July 20, 2026

These Terms and Conditions (“Terms”) govern your access to and use of valortovector.com and the websites, portals, applications, marketplace, programs, content, communications, and services operated under the Valor to Vector Advisors brand (“Valor to Vector,” “we,” “us,” or “our”).

By accessing the website, creating an account, submitting an application, registering as an investor, purchasing a service, or otherwise using the platform, you agree to these Terms and our Privacy Policy.

If you do not agree, do not use the platform.

1. ELIGIBILITY

You must be at least 18 years old and legally capable of entering into a binding agreement to use the platform.

Certain programs, memberships, investment opportunities, or founder services may have additional eligibility requirements. These may include veteran status, business ownership, accreditation, geographic location, certification, financial suitability, or other criteria.

We may approve or reject applications at our discretion, subject to applicable law.

2. PLATFORM SERVICES

Valor to Vector provides services that may include:

• Veteran founder applications

• Business evaluation

• Business education and courses

• Coaching and strategic advisory

• Marketing and fractional executive support

• Pitch and investor preparation

• Investor registration and profiles

• Founder and investor matching

• Curated business opportunities

• Marketplace and portal access

• Messaging and introductions

• Membership programs

• Other related services

Features may be introduced, modified, suspended, or discontinued at any time.

3. USER ACCOUNTS

Some services require an account.

You agree to:

• Provide accurate and complete information

• Keep your information current

• Protect your login credentials

• Avoid sharing your account with unauthorized individuals

• Notify us of suspected unauthorized access

• Accept responsibility for activity conducted through your account

You may not impersonate another person, create an account using false information, or access another user’s account without authorization.

We may suspend or terminate accounts that contain false information, violate these Terms, create security risks, or misuse the platform.

4. FOUNDER APPLICATIONS

Founder applicants are responsible for ensuring that all submitted information is accurate, complete, current, and not misleading.

By submitting an application, you represent that:

• You are authorized to provide the submitted information

• You have the authority to represent the business

• The business and financial information is accurate to the best of your knowledge

• Submitted materials do not violate third-party rights

• You are not withholding information that would make the application materially misleading

Submission does not guarantee:

• Acceptance into a program

• Coaching or advisory services

• Selection for a pitch

• Introduction to an investor

• Placement in the marketplace

• An investment offer

• Receipt of funding

• Any particular business result

We may request additional documentation or clarification during the review process.

5. INVESTOR REGISTRATION

Investor users are responsible for accurately describing their investment experience, preferences, investor type, accreditation status, and investment capacity.

If you indicate that you are an accredited investor, you represent that the information is truthful and that you meet the applicable requirements when accreditation is required.

We may request supporting information, but we are not required to independently verify every investor’s identity, accreditation, financial capacity, experience, or suitability.

Investor registration, membership, or portal access does not guarantee access to any particular opportunity.

6. MATCHING AND INTRODUCTIONS

Matching results are based on information supplied by users, available platform data, preferences, and other criteria.

A match does not mean that:

• An investment is appropriate

• A founder or investor has been fully verified

• An opportunity has been endorsed

• Funding will occur

• The parties are compatible

• Information is complete or accurate

• A transaction complies with every applicable requirement

Users are responsible for independently evaluating each introduction, opportunity, business, founder, and investor.

Valor to Vector may facilitate communication but is not responsible for negotiations, diligence, agreements, investments, loans, or transactions entered into between users.

7. INVESTMENT AND SECURITIES DISCLAIMER

Investing in startups and private businesses is speculative and involves substantial risk, including the possible loss of the entire investment.

Nothing on the platform constitutes:

• An offer to sell securities

• A solicitation to purchase securities

• Investment advice

• A recommendation or endorsement

• Legal advice

• Tax advice

• Accounting advice

• A guarantee of performance

• A guarantee of funding or returns

Any securities offering must be made through the applicable offering documents and in compliance with applicable law.

Unless expressly stated in a separate written agreement, Valor to Vector is not acting as a broker, dealer, investment adviser, fiduciary, attorney, accountant, or agent for any user.

We do not make investment decisions for users. Investors must conduct their own due diligence and consult qualified legal, financial, tax, and investment professionals before making a decision.

Past performance, forecasts, business projections, expected revenue, and target returns are not guarantees of future results.

8. BUSINESS INFORMATION AND DUE DILIGENCE

Information displayed through the marketplace, portals, profiles, or applications may be supplied by founders, investors, partners, service providers, or other third parties.

Although we may review or organize information, we do not guarantee that:

• Information is accurate or complete

• Financial information has been audited

• A business valuation is correct

• Projections will be achieved

• A founder or investor will fulfill their obligations

• A business is legally or financially suitable

• An investment will comply with every law

• A user has disclosed every relevant risk

Users are solely responsible for conducting appropriate due diligence.

9. CONFIDENTIALITY AND NON-CIRCUMVENTION

Certain platform areas contain confidential business, financial, investor, or founder information.

Access may require acceptance of a separate Confidentiality and Non-Circumvention Agreement. That agreement is incorporated into these Terms when accepted.

Users must not:

• Disclose confidential information without authorization

• Copy or distribute private application materials

• Use confidential information for competitive purposes

• Contact or solicit another participant in violation of an accepted non-circumvention agreement

• Use platform information for a purpose unrelated to evaluating or supporting an authorized opportunity

Confidentiality obligations may continue after account termination.

10. USER COMMUNICATIONS

The platform may allow founders and investors to communicate directly.

Users are responsible for their communications and must not send:

• Harassing or threatening messages

• Fraudulent or misleading claims

• Unsolicited mass communications

• Illegal content

• Malware or harmful files

• Confidential information they are not authorized to disclose

We may monitor or review communications when reasonably necessary for security, support, legal compliance, or enforcement.

We do not guarantee that users will respond to messages or that communications will result in a transaction.

11. SMS AND EMAIL TERMS

By providing your contact information and selecting a transactional communication option, you consent to receive communications related to your account, applications, appointments, purchases, requested services, and platform activity.

If you separately opt in to marketing communications, you consent to receive promotional messages about services, programs, courses, events, and opportunities.

Message frequency may vary. Message and data rates may apply.

Reply STOP to opt out of text messages. Reply HELP for assistance.

Marketing consent is not a condition of purchasing goods or services.

You may unsubscribe from marketing emails using the unsubscribe link included in the email.

Opting out of marketing does not prevent us from sending necessary transactional, account, legal, or security communications.

12. FEES, MEMBERSHIPS, AND PAYMENTS

Some memberships, programs, courses, advisory services, marketing services, or other offerings may require payment.

Prices, billing terms, renewal terms, and applicable fees will be disclosed when you register, enroll, purchase, or enter into a separate service agreement.

You agree to:

• Provide accurate billing information

• Pay all authorized charges

• Pay applicable taxes

• Review any recurring billing terms before purchasing

Unless otherwise stated, refunds and cancellations are governed by the terms presented at purchase or in the applicable written agreement.

Investment amounts are separate from membership, service, advisory, or platform fees.

We may change pricing for future purchases or renewal periods by providing appropriate notice.

13. EDUCATIONAL AND ADVISORY CONTENT

Courses, downloads, coaching, business evaluations, marketing guidance, and educational materials are provided for general informational and educational purposes.

Results vary by business, market, founder, execution, financial condition, and other factors.

We do not guarantee:

• Revenue growth

• Customer acquisition

• Business success

• Investment readiness

• Investor interest

• Funding

• Profitability

• Any specific outcome

Users remain responsible for their business decisions.

14. USER CONTENT

You retain ownership of business plans, applications, documents, messages, profile information, and other materials you submit.

By submitting content, you grant Valor to Vector a limited, non-exclusive license to host, store, process, reproduce, organize, display, and share the content as reasonably necessary to:

• Operate the platform

• Review applications

• Create profiles

• Facilitate matching

• Present authorized opportunities

• Provide requested services

• Maintain security and records

• Comply with legal obligations

You represent that you own or have permission to submit the content.

You may not submit content that is unlawful, fraudulent, defamatory, infringing, or malicious.

15. INTELLECTUAL PROPERTY

The website, platform, branding, logos, designs, text, graphics, courses, software, databases, and original materials are owned by or licensed to Valor to Vector and are protected by applicable intellectual property laws.

Except as expressly authorized, you may not:

• Copy or reproduce platform content

• Modify or create derivative works

• Sell or commercially exploit content

• Scrape or extract platform data

• Reverse engineer platform software

• Use branding without permission

• Remove ownership notices

• Distribute private materials

Limited personal use does not transfer ownership rights.

16. ACCEPTABLE USE

You may not:

• Use the platform for unlawful purposes

• Provide false or misleading information

• Misrepresent accreditation, veteran status, business ownership, or financial information

• Attempt to gain unauthorized access

• Interfere with platform security

• Upload malware or harmful code

• Scrape, crawl, or harvest user information

• Spam or solicit users without authorization

• Circumvent access restrictions

• Violate confidentiality obligations

• Infringe intellectual property or privacy rights

• Use information to compete unfairly with another user

• Facilitate fraud, money laundering, or other illegal activity

We may investigate violations and cooperate with lawful authorities.

17. THIRD-PARTY SERVICES AND LINKS

The platform may rely on or link to third-party services, including hosting, payment, authentication, communication, analytics, social media, and document services.

We do not control and are not responsible for third-party availability, security, content, terms, or privacy practices.

Use of third-party services may be governed by separate terms.

18. SUSPENSION AND TERMINATION

We may suspend, restrict, or terminate access if we reasonably believe that a user:

• Violated these Terms

• Provided false information

• Created security or legal risk

• Misused confidential information

• Failed to pay applicable fees

• Misused platform communications

• Engaged in fraudulent or abusive conduct

Users may stop using the platform at any time.

Provisions concerning confidentiality, intellectual property, payment obligations, investment risk, disclaimers, liability, and dispute resolution survive termination.

19. DISCLAIMER OF WARRANTIES

THE WEBSITE, PLATFORM, CONTENT, MATCHES, OPPORTUNITIES, AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.”

TO THE MAXIMUM EXTENT PERMITTED BY LAW, VALOR TO VECTOR DISCLAIMS ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, NON-INFRINGEMENT, AVAILABILITY, SECURITY, AND RESULTS.

WE DO NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, COMPLETELY SECURE, OR FREE OF HARMFUL COMPONENTS.

20. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW, VALOR TO VECTOR WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST REVENUE, LOST DATA, LOST BUSINESS OPPORTUNITIES, INVESTMENT LOSSES, OR REPUTATIONAL DAMAGE.

VALOR TO VECTOR IS NOT RESPONSIBLE FOR:

• USER CONDUCT

• INVESTMENT DECISIONS

• BUSINESS FAILURE

• FAILED NEGOTIATIONS

• INACCURATE USER INFORMATION

• UNAUTHORIZED DISCLOSURE BY ANOTHER USER

• THIRD-PARTY SERVICES

• TRANSACTIONS BETWEEN USERS

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY ARISING FROM THE PLATFORM OR SERVICES WILL NOT EXCEED THE AMOUNT YOU PAID DIRECTLY TO VALOR TO VECTOR FOR THE RELEVANT SERVICE DURING THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.

Some jurisdictions do not allow certain limitations, so portions of this section may not apply.

21. INDEMNIFICATION

You agree to defend, indemnify, and hold harmless Valor to Vector and its owners, personnel, contractors, advisors, and service providers from claims, damages, losses, liabilities, and expenses arising from:

• Your use of the platform

• Your submitted information or content

• Your violation of these Terms

• Your violation of another person’s rights

• Your business or investment decisions

• A transaction or dispute with another user

• Fraudulent, illegal, or negligent conduct

This obligation applies to the extent permitted by law.

22. PRIVACY

Our collection and use of personal information is described in our Privacy Policy:

https://valortovector.com/privacy-policy

23. DISPUTES AND APPLICABLE LAW

These Terms are governed by the laws applicable to Valor to Vector’s operations, without regard to conflict-of-law principles.

Before filing a formal claim, you agree to contact us and attempt to resolve the dispute informally.

If the matter cannot be resolved, it may be brought before a court of competent jurisdiction, subject to applicable law.

Nothing in these Terms prevents either party from seeking immediate relief to protect confidential information, intellectual property, account security, or legal rights.

24. CHANGES TO THESE TERMS

We may update these Terms periodically.

Updated Terms become effective when posted unless another date is specified. Continued use of the platform after the effective date constitutes acceptance of the updated Terms.

Material changes may be communicated through the website, account, or contact information provided by the user.

25. SEVERABILITY

If any provision is determined to be invalid or unenforceable, the remaining provisions will remain in effect.

26. WAIVER

Failure to enforce a provision does not waive our right to enforce it later.

27. ENTIRE AGREEMENT

These Terms, the Privacy Policy, any accepted Confidentiality and Non-Circumvention Agreement, and any applicable service or purchase agreement constitute the agreement between you and Valor to Vector concerning the relevant services.

28. CONTACT

For questions regarding these Terms, contact Valor to Vector Advisors through:

https://valortovector.com/contact