These Terms of Service ("Terms") govern your access to and use of the Victaurs website and its related content, including any newsletters, commentary, insights, and subscriber communications (collectively, the "Services"). By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, you may not access or use the Services.

1. No Investment Advice or Fiduciary Relationship

All information provided through Victaurs is for informational and educational purposes only. Victaurs is not a registered investment adviser, broker-dealer, or financial planner. Nothing on this site constitutes investment advice, a recommendation to buy or sell securities, or an offer to sell any investment product.

Victaurs does not provide personalized financial advice and is not registered with the U.S. Securities and Exchange Commission (SEC), the Financial Industry Regulatory Authority (FINRA), or any other regulatory authority. Any references to securities or investments are intended for educational discussion only.

You are solely responsible for your own investment decisions. You should consult a qualified financial professional before making any investment.

2. No Guarantees of Accuracy or Results

While reasonable efforts are made to ensure the accuracy of content, Victaurs makes no warranties or representations regarding the timeliness, accuracy, or completeness of any information provided. The financial markets are volatile and unpredictable. Past performance is not indicative of future results.

3. Subscriptions, Billing, and Refunds

Paid subscriptions to Victaurs are processed through Substack. Your subscription will automatically renew unless canceled before the renewal date. Refunds are subject to Substack’s policies.

Victaurs does not store or process payment data directly. By subscribing, you agree to be bound by Substack’s billing terms and privacy policies.

4. Intellectual Property Rights

All content provided through Victaurs, including but not limited to articles, branding, design, and logos, is the exclusive property of Victaurs and is protected by copyright, trademark, and other applicable intellectual property laws. You may not reproduce, distribute, republish, or exploit any part of the content without prior written consent.

5. Community Guidelines and Conduct

Users agree to engage respectfully in any community discussions or comments. Victaurs reserves the right to remove, suspend, or ban any user who engages in harassment, spam, or any behavior deemed inappropriate or harmful.

6. Limitation of Liability

To the fullest extent permitted by law, Victaurs and its affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of the Services, reliance on content, or inability to access or use the platform. Victaurs shall not be liable for any losses or damages arising from reliance on any information provided, including but not limited to financial loss, loss of opportunity, or emotional distress. All content is used at your own risk.

7. Indemnification

You agree to defend, indemnify, and hold harmless Victaurs, its affiliates, contributors, and service providers from and against any claims, damages, obligations, losses, liabilities, and expenses arising from your use of the Services or violation of these Terms.

8. Modifications

Victaurs may modify these Terms at any time. Changes will become effective upon posting to the site. Your continued use of the Services constitutes acceptance of the modified Terms.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the state of Texas, without regard to its conflict of law principles.

10. Dispute Resolution

Any disputes arising out of these Terms shall be resolved through binding arbitration in the state of [Insert State]. Users waive their right to participate in a class action or jury trial.