Welcome to victorphilip.com (the “Website”). By accessing and using our Website, you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, please do not use our Website.

1. Acceptance of Terms

By using victorphilip.com, you agree to these Terms of Service and our Privacy Policy (incorporated herein by reference). If you disagree with any part of the Terms, you must discontinue using the Website immediately.

2. Use of the Website

• Eligibility: You must be at least 13 years old to use this Website.
• Lawful Use: You agree to use the Website only for lawful purposes and in a manner that does not infringe on the rights of, or restrict or inhibit the use of the Website by, any other party.
• Account Responsibility: If you create an account on our Website, you are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

3. Intellectual Property

All content on this Website—including, but not limited to, text, images, logos, graphics, audio clips, video clips, and software—is the property of victorphilip.com or its content suppliers and is protected by copyright, trademark, and other intellectual property laws. You may not use, copy, reproduce, or distribute any content without our prior written consent.

4. User Content

If you submit any content (such as comments, reviews, or other materials) to the Website (“User Content”), you grant us a non-exclusive, worldwide, royalty-free, irrevocable, and sublicensable right to use, reproduce, modify, adapt, publish, translate, distribute, and display such content in connection with the Website and our business. You represent that you have the necessary rights to grant these permissions.

5. Disclaimer of Warranties

The Website is provided on an “AS IS” and “AS AVAILABLE” basis without any warranties of any kind, whether express or implied. We do not guarantee that the Website will be error-free, uninterrupted, or free of viruses or other harmful components. Your use of the Website is at your sole risk.

6. Limitation of Liability

To the maximum extent permitted by law, victorphilip.com, its affiliates, officers, directors, employees, and agents shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, arising out of or related to your access to, use of, or inability to use the Website.

7. Indemnification

You agree to indemnify, defend, and hold harmless victorphilip.com and its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses (including reasonable attorneys’ fees) arising out of or in any way connected with your access to or use of the Website or your violation of these Terms.

8. Financial Disclaimers

Important Notice: Victorphilip.com sells financial research, including specific stock rankings and algorithm outputs. All financial content provided on this Website is for informational and research purposes only and does not constitute investment advice, recommendations, or an offer to buy or sell any securities. The information and analysis provided, including stock rankings and algorithm outputs, are based on proprietary methodologies and are provided "as is" without any guarantee of accuracy, timeliness, or completeness.

• No Investment Advice: You should not rely solely on our financial research when making investment decisions. Always consult with a licensed financial advisor or conduct your own independent research before acting on any information.
• Assumption of Risk: By using our Website, you acknowledge that any reliance on the financial research, stock rankings, or algorithm outputs is at your sole risk. Victorphilip.com, its owners, affiliates, employees, or agents shall not be liable for any losses, damages, or expenses arising from your reliance on such information.
• No Guarantee: Past performance or outputs are not indicative of future results. We do not warrant or guarantee that our financial research will achieve any particular result.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of The Netherlands without regard to its conflict of law principles. Any disputes arising from these Terms will be subject to the exclusive jurisdiction of the courts in The Netherlands.

10. Changes to These Terms

We reserve the right to modify or update these Terms at any time. Any changes will be effective immediately upon posting on the Website. Your continued use of the Website following the posting of changes constitutes your acceptance of such changes. It is your responsibility to review these Terms periodically.

11. Termination

We may terminate or suspend your access to the Website, without prior notice or liability, if you breach any part of these Terms. Upon termination, your right to use the Website will immediately cease.

11. Contact Information

If you have any questions about these Terms, please contact us.

By using this Website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.