By accessing and using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. If you do not agree with these terms, you should immediately discontinue use of the website and its services.

Pass Ventures grants you a limited, non-exclusive, non-transferable license to access and use this website (PillarsOfValue.com) and its content for your personal or internal business purposes, subject to these Terms of Use.

Your continued use of the website constitutes acceptance of any future modifications to these Terms of Use. It is your responsibility to review this page periodically for updates.

The content and information provided on this website, including but not limited to financial data, price targets, valuations, forecasts, models, and analytical tools, are provided for educational and informational purposes only.

Nothing on this website constitutes or should be construed as financial, investment, legal, or tax advice, nor as a recommendation or solicitation to buy, sell, or hold any security or financial instrument.

All price targets, valuations, projections, and analyses are estimates and opinions based on available information and assumptions, are inherently uncertain, and may be inaccurate or incomplete. Past performance is not indicative of future results.

The website is not registered as an investment advisor, broker-dealer, or similar regulated entity with any securities regulatory authority, including the Canadian Securities Administrators or the U.S. Securities and Exchange Commission, and does not provide investment advice subject to securities regulation in any jurisdiction.

Use of this website does not create an advisor–client, fiduciary, or professional relationship between you and the website or its operators.

Users are solely responsible for their own investment decisions and are encouraged to conduct independent research and consult with a qualified financial professional before making any financial decisions.

Before continuing to use our website, please review our Privacy Policy. It explains what information we collect, how we use and protect it, and the choices available to you.

By using this website, you acknowledge that you have read our Privacy Policy and consent to the collection and use of your information as described therein.

You must be at least 18 years of age to access or use this website and its services. By using this website, you represent and warrant that you are at least 18 and have the legal capacity to enter into this Agreement.

If you are under 18, you may not use the website, create an account, or provide any personal information to us. We reserve the right to suspend or terminate access if we reasonably believe a user has misrepresented their age.

Pass Ventures assumes no responsibility for liabilities arising from age misrepresentation.

All materials, products, and services available on this website are the property of Pass Ventures, its affiliates, directors, officers, employees, agents, suppliers, or licensors. This includes, but is not limited to, all copyrights, trademarks, service marks, trade secrets, patents, and other intellectual property rights.

You agree not to reproduce, duplicate, copy, sell, resell, distribute, or exploit any portion of the website or its content without express written permission from Pass Ventures. This prohibition applies to all formats, including electronic, digital, and print.

By uploading, publishing, or otherwise providing content through our website, you grant Pass Ventures a worldwide, royalty-free, non-exclusive license to use, display, reproduce, modify, adapt, distribute, transmit, and broadcast such content for the purpose of operating and improving our services.

If you believe your intellectual property rights have been infringed, please contact us promptly so that we can review and address your concerns.

To access certain features or services on this website, you may be required to create an account and provide accurate, complete, and up-to-date information. You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account.

You agree not to share your account or password with others and to take reasonable steps to protect the security of your information. If you believe your account has been compromised, you must notify us immediately so that we can take appropriate action.

By creating an account and using the platform, you acknowledge and agree that the website provides educational and informational content only and does not provide financial, investment, legal, or tax advice, including with respect to any price targets, valuations, forecasts, or analytical tools available on the platform. Any investment decisions you make are solely your responsibility and are made at your own risk.

We reserve the right, at our sole discretion, to suspend or terminate accounts, refuse service, remove or edit content, or cancel orders if we believe these Terms of Use have been violated or if it is otherwise necessary to protect our website and users.

By visiting and using this website, you agree that these Terms of Use and any dispute of any sort that might arise between you and Pass Ventures shall be governed and interpreted in accordance with the laws of the Province of Ontario, Canada, and the federal laws of Canada applicable therein.

Any disputes arising in connection with this website, its services, or these Terms of Use shall be subject to the exclusive jurisdiction of the courts located in Ontario, unless otherwise required by applicable law.

In the event of a dispute arising out of or relating to your use of this website, our services, or these Terms of Use, you agree to first attempt to resolve the matter informally by contacting us directly.

If a resolution cannot be reached, the dispute shall be submitted to mediation or another mutually agreed form of alternative dispute resolution before resorting to litigation.

Any unresolved disputes shall be subject to the exclusive jurisdiction of the courts located in the Province of Ontario, Canada, and governed by the laws outlined in the Applicable law section above.

You agree to indemnify, defend, and hold harmless Pass Ventures, its affiliates, directors, officers, employees, agents, and licensors from and against any and all claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising out of or in connection with:

• Your use or misuse of this website or its services;
• Your violation of these Terms of Use;
• Your violation of any law or third-party rights, including intellectual property or privacy rights;
• Any content you submit, post, or transmit through the website.

Pass Ventures reserves the right, at its own expense, to assume exclusive defense and control of any matter otherwise subject to indemnification by you. In such case, you agree to cooperate with Pass Ventures in asserting any available defenses.

To the fullest extent permitted by law, Pass Ventures and its affiliates, directors, officers, employees, agents, suppliers, and licensors shall not be liable for any damages, whether direct, indirect, incidental, special, consequential, or punitive, arising out of or relating to your use of this website or its services.

This includes, but is not limited to, damages for loss of profits, data, goodwill, or other intangible losses, even if we have been advised of the possibility of such damages.

Our total liability to you for any claim arising out of or relating to these Terms of Use or your use of the website shall not exceed the amount you have paid to Pass Ventures for the services, if any, during the twelve (12) months preceding the claim.

Some jurisdictions do not allow the exclusion or limitation of certain liabilities, so the above limitations may not apply to you in their entirety.