{"id":23924,"date":"2026-02-19T16:10:16","date_gmt":"2026-02-19T16:10:16","guid":{"rendered":"https:\/\/valoraestate.com\/terms-of-use\/"},"modified":"2026-02-26T16:10:54","modified_gmt":"2026-02-26T16:10:54","slug":"terms-of-use","status":"publish","type":"page","link":"https:\/\/valoraestate.com\/en\/terms-of-use\/","title":{"rendered":"Terms of Use"},"content":{"rendered":"\t\t
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Terms of Use<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Terms of Use for the valoraestate.com Website<\/b><\/span><\/span><\/p>



<\/p>

Last updated: February 25, 2026<\/b><\/span>
<\/span>Effective date: February 25, 2026<\/b><\/span><\/p>



<\/p>

These <\/span>Terms of Use<\/b><\/span> (the <\/span>“Terms”<\/b><\/span>) govern access to and use of the <\/span>valoraestate.com<\/b><\/span> website (the <\/span>“Site”<\/b><\/span>). By accessing, viewing, browsing the Site, or submitting a form, you acknowledge that you have read, understood, and agree to be bound by these Terms.<\/span><\/p>



<\/p>

1. Site Publisher and Contact Information<\/b><\/span><\/p>

The Site is operated by <\/span>Conciergerie Successorale VALORA inc.<\/b><\/span> (<\/span>“VALORA”<\/b><\/span>).<\/span><\/p>

For any questions regarding these Terms or any privacy and security-related requests, please write to: <\/span>legal@valoraestate.com<\/b><\/span>.<\/span><\/p>



<\/p>

2. Purpose of the Site \u2014 General Information<\/b><\/span><\/p>

The purpose of the Site is to present VALORA, its mission, approach, and services, including operational coordination and support services related to estate planning during one’s lifetime and estate settlement after death.<\/span><\/p>

Unless expressly stated otherwise, information published on the Site is provided <\/span>for informational purposes<\/b><\/span> and does not constitute, and should not be interpreted as constituting:<\/span><\/p>

  • legal advice;<\/span><\/p><\/li>

  • tax advice;<\/span><\/p><\/li>

  • accounting advice;<\/span><\/p><\/li>

  • financial advice;<\/span><\/p><\/li>

  • nor an act reserved for a notary or lawyer.<\/span><\/p><\/li><\/ul>

    Any decision made based on information from the Site is your sole responsibility. When a legal act is required (for example, a will, protection mandate, procedures, or declarations with legal implications), you remain responsible for consulting a qualified professional, as applicable. VALORA may, when appropriate, coordinate with professionals (notaries, lawyers, tax specialists), but does not substitute for them. <\/span><\/p>



    <\/p>

    3. Access to the Site and Modifications<\/b><\/span><\/p>

    VALORA may, at any time and without notice:<\/span><\/p>

    • modify the content of the Site;<\/span><\/p><\/li>

    • add, remove, or reorganize pages;<\/span><\/p><\/li>

    • suspend or interrupt, temporarily or permanently, all or part of the Site, particularly for maintenance, security, or update purposes.<\/span><\/p><\/li><\/ul>

      VALORA may also modify these Terms. The version in effect is the one published on the Site, particularly in the footer. Use of the Site after publication of modifications constitutes acceptance of the modified Terms. <\/span><\/p>



      <\/p>

      4. Permitted Use and Prohibited Conduct<\/b><\/span><\/p>

      You agree to use the Site in accordance with applicable laws and these Terms.<\/span><\/p>

      It is specifically prohibited to:<\/span><\/p>

      1. use the Site in a manner that could compromise its security, integrity, or availability (including any attempt at unauthorized access, circumvention of security measures, intrusion, scanning, injection, or any similar activity);<\/span><\/p><\/li>

      2. disrupt, overload, degrade, or prevent the normal operation of the Site, its servers, or its systems;<\/span><\/p><\/li>

      3. extract, copy, index, scrape, or systematically reuse the content of the Site for commercial purposes without prior written authorization from VALORA;<\/span><\/p><\/li>

      4. transmit, post, or communicate via the Site any illegal, misleading, defamatory, hateful, threatening, obscene content, or content that infringes upon the rights of third parties;<\/span><\/p><\/li>

      5. submit false, inaccurate, or misleading information, or impersonate another person.<\/span><\/p><\/li><\/ol>

        VALORA reserves the right to restrict access to the Site, in whole or in part, in the event of non-compliance with these Terms.<\/span><\/p>



        <\/p>

        5. Forms, Requests, and Communications<\/b><\/span><\/p>

        When you submit a request via the Site (for example, a contact form, quote request, or appointment request), you authorize VALORA to communicate with you regarding that request, including by email or telephone, in accordance with applicable laws.<\/span><\/p>

        Communications of a promotional or marketing nature (if applicable) are subject to applicable rules regarding consent and unsubscribing, particularly those provided by <\/span>Canada’s Anti-Spam Legislation<\/i><\/span> <\/b>(CASL).<\/span><\/p>

        You are responsible for the accuracy of the information you submit. VALORA assumes no responsibility for consequences related to incomplete, erroneous, or outdated information transmitted by you. <\/span><\/p>



        <\/p>

        6. Personal Information, Cookies, and Security<\/b><\/span><\/p>

        The processing of personal information collected via the Site is governed by VALORA’s <\/span>Privacy Policy<\/b><\/span> and, where applicable, by the <\/span>Cookie Policy<\/b><\/span>, as published on the Site.<\/span><\/p>

        Without limiting the foregoing:<\/span><\/p>

        • you must avoid transmitting via a public form highly sensitive information that is not required (for example, complete identification numbers, SIN, payment card numbers);<\/span><\/p><\/li>

        • VALORA implements reasonable protective measures; however, no system offers absolute security.<\/span><\/p><\/li><\/ul>



          <\/p>

          7. Intellectual Property<\/b><\/span><\/p>

          Unless expressly stated otherwise, all elements of the Site, including texts, trademarks, trade names, logos, graphic elements, photographs, videos, interfaces, structure, layout, and content (collectively, the <\/span>“Content”<\/b><\/span>), are the property of VALORA or are used under license, and are protected by applicable laws, including the <\/span>Copyright Act<\/i><\/span> and the <\/span>Trademarks Act<\/i><\/span>.<\/span><\/p>

          Subject to exceptions provided by law, it is prohibited to reproduce, represent, publish, translate, adapt, distribute, transmit, communicate, or exploit the Content, in whole or in part, without prior written authorization from VALORA.<\/span><\/p>



          <\/p>

          8. External Links and Third-Party Services<\/b><\/span><\/p>

          The Site may contain links to third-party websites or integrate third-party services. These sites and services are governed by their own policies and terms. VALORA exercises no control over these third parties and assumes no responsibility regarding: <\/span><\/p>

          • content displayed on third-party sites;<\/span><\/p><\/li>

          • their practices (including their privacy practices);<\/span><\/p><\/li>

          • their availability, performance, or security.<\/span><\/p><\/li><\/ul>

            Access to these third-party sites is at your own risk.<\/span><\/p>



            <\/p>

            9. Disclaimer of Warranties<\/b><\/span><\/p>

            The Site is provided <\/span>“as is”<\/b><\/span> and <\/span>“as available.”<\/b><\/span> To the extent permitted by law, VALORA makes no warranties, express or implied, particularly regarding:<\/span><\/p>

            • the accuracy, completeness, or timeliness of the Content;<\/span><\/p><\/li>

            • the absence of errors, omissions, or interruptions;<\/span><\/p><\/li>

            • compatibility with your devices, software, or configurations;<\/span><\/p><\/li>

            • the absolute security of transmissions or systems.<\/span><\/p><\/li><\/ul>



              <\/p>

              10. Limitation of Liability<\/b><\/span><\/p>

              To the extent permitted by law, VALORA shall not be held liable for any damage, loss, or harm arising from access to or use of the Site, or the inability to access or use it, including:<\/span><\/p>

              • loss of data, loss of profits, loss of business;<\/span><\/p><\/li>

              • indirect, consequential, special, or punitive damages;<\/span><\/p><\/li>

              • damages related to viruses, attacks, interruptions, technical failures, or transmission errors.<\/span><\/p><\/li><\/ul>

                Quebec Law \u2014 Mandatory Limits: No provision of these Terms has the effect of excluding or limiting VALORA’s liability where such exclusion or limitation is prohibited, particularly with respect to public order rules and the limits provided in Article 1474 of the Civil Code of Qu\u00e9bec (intentional fault\/gross fault and bodily or moral injury).<\/span><\/p>



                <\/p>

                11. Indemnification<\/b><\/span><\/p>

                You agree to indemnify and hold harmless VALORA (as well as its directors, officers, employees, and representatives) from any claim, action, demand, loss, liability, damage, and expense (including reasonable legal fees) resulting from:<\/span><\/p>

                • your use of the Site in violation of these Terms;<\/span><\/p><\/li>

                • your violation of any law or third-party right;<\/span><\/p><\/li>

                • any content or information you submit via the Site.<\/span><\/p><\/li><\/ul>



                  <\/p>

                  12. Applicable Law, Jurisdiction, and Technological Evidence<\/b><\/span><\/p>

                  These Terms are governed by the laws in force in the Province of Quebec and by applicable federal laws of Canada.<\/span><\/p>

                  Subject to applicable mandatory rules, any dispute relating to these Terms or the use of the Site shall be submitted to the competent courts of Quebec, in the judicial district of VALORA’s head office.<\/span><\/p>

                  The legal value of documents, communications, and technological evidence is assessed in accordance with the <\/span>Act to Establish a Legal Framework for Information Technology<\/i><\/span> <\/b>(Quebec).<\/span><\/p>



                  <\/p>

                  13. General Provisions<\/b><\/span><\/p>

                  1. Severability.<\/b><\/span> If any provision is deemed invalid or unenforceable, it shall be deemed severed, without affecting the validity of the other provisions.<\/span><\/p><\/li>

                  2. No Waiver.<\/b><\/span> VALORA’s failure to exercise a right does not constitute a waiver of that right.<\/span><\/p><\/li>

                  3. Entire Agreement.<\/b><\/span> These Terms, together with the policies published on the Site (including the Privacy Policy and, where applicable, the Cookie Policy), constitute the complete agreement regarding use of the Site.<\/span><\/p><\/li>

                  4. Language.<\/b><\/span> These Terms are drafted in French. In the event of translation, the French version shall prevail, subject to applicable legal requirements.<\/span><\/p><\/li><\/ol>



                    <\/p>

                    14. Contact Us<\/b><\/span><\/p>

                    For any questions regarding these Terms, please write to: <\/span>legal@valoraestate.com<\/b><\/span>.<\/span><\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

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