Terms & Conditions
Agreement to Terms
By accessing or using services provided by Valor Consulting, including consultations, reports, planning materials, and this website (www.valorconsultingpro.net), you agree to be bound by these Terms and Conditions. If you do not agree, you should not use our services.
Nature of Services
Valor Consulting provides financial consulting and planning education to individuals and families.
We help clients gain clarity around their finances and prepare for retirement and long-term wellness.
Disclaimer: Valor Consulting does not manage investments, sell financial products, or provide regulated financial, legal, or tax advice. All consulting is intended to be informational and strategic in nature. Clients are encouraged to work with licensed financial advisors, attorneys, or CPAs where appropriate.
Client Responsibilities
You agree that:
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You are responsible for the accuracy and completeness of the information you provide.
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You will not rely solely on Valor Consulting for financial decisions involving legal, tax, or investment management matters.
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You will seek independent professional advice as needed.
Payment & Scheduling
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Payment terms, if applicable, will be clearly communicated before services are rendered.
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Scheduled consultations may be rescheduled or canceled with reasonable notice.
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Valor Consulting reserves the right to refuse or discontinue services at its discretion.
Intellectual Property
All materials, templates, documents, and content provided by Valor Consulting are the intellectual property of Richard Ranck and may not be copied, reproduced, or distributed without express permission.
Confidentiality
Client information is handled with strict confidentiality. Please refer to our Privacy Policy for more details.
Limitation of Liability
Valor Consulting is not liable for any decisions made or actions taken based on the information provided during consultations.
All clients are responsible for their own financial choices and should consult licensed professionals for final recommendations.
Updates to Terms
Valor Consulting may revise these Terms and Conditions at any time. Any updates will be posted on our website. Continued use of our services constitutes acceptance of any changes.
Contact Information
If you have questions about these Terms or our services, please contact:
Richard Ranck
Valor Consulting
📧 richardranck@yahoo.com
📞 (614) 973-9830
🌐 www.valorconsultingpro.net
Terms & Conditions - the basics
Having said that, Terms and Conditions (“T&C”) are a set of legally binding terms defined by you, as the owner of this website. The T&C set forth the legal boundaries governing the activities of the website visitors, or your customers, while they visit or engage with this website. The T&C are meant to establish the legal relationship between the site visitors and you as the website owner.
T&C should be defined according to the specific needs and nature of each website. For example, a website offering products to customers in e-commerce transactions requires T&C that are different from the T&C of a website only providing information (like a blog, a landing page, and so on).
T&C provide you as the website owner the ability to protect yourself from potential legal exposure, but this may differ from jurisdiction to jurisdiction, so make sure to receive local legal advice if you are trying to protect yourself from legal exposure.
What to include in the T&C document
Generally speaking, T&C often address these types of issues: Who is allowed to use the website; the possible payment methods; a declaration that the website owner may change his or her offering in the future; the types of warranties the website owner gives his or her customers; a reference to issues of intellectual property or copyrights, where relevant; the website owner’s right to suspend or cancel a member’s account; and much, much more.
To learn more about this, check out our article “Creating a Terms and Conditions Policy”.