Terms of Service

Last updated: January 12, 2026

1. Acceptance of Terms

By accessing or using the Total Values website and platform (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Service.

2. Description of Service

Total Values provides an AI-powered portfolio optimization platform designed for impact investors. Our Service enables users to analyze, forecast, and optimize portfolios across financial returns and social impact metrics.

3. User Accounts

To access certain features of our Service, you may be required to create an account. You are responsible for:

  • Maintaining the confidentiality of your account credentials
  • All activities that occur under your account
  • Notifying us immediately of any unauthorized use
  • Ensuring all information you provide is accurate and current

4. Acceptable Use

You agree not to:

  • Use the Service for any unlawful purpose
  • Attempt to gain unauthorized access to our systems
  • Interfere with or disrupt the Service or servers
  • Reverse engineer or attempt to extract source code
  • Use automated systems to access the Service without permission
  • Transmit any malicious code or harmful content

5. Intellectual Property

The Service and its original content, features, and functionality are owned by Total Values LLC and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

6. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR COMPLETELY SECURE.

Investment Disclaimer: The information and analysis provided by Total Values is for informational purposes only and does not constitute investment advice. Past performance is not indicative of future results. Users should consult with qualified financial advisors before making investment decisions.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, TOTAL VALUES LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR OTHER INTANGIBLE LOSSES.

8. Indemnification

You agree to indemnify and hold harmless Total Values LLC and its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of the Service or violation of these Terms.

9. Modifications

We reserve the right to modify these Terms at any time. We will notify users of material changes by posting the updated Terms on our website. Your continued use of the Service after such changes constitutes acceptance of the new Terms.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Illinois, without regard to its conflict of law provisions.

11. Contact Us

If you have questions about these Terms, please contact us:

Total Values LLC
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