AdValorem Syndicate

Terms of Service for AdValorem

Effective Date: 4/18/25

Welcome to AdValorem (“we”, “us”, “our”). By accessing or subscribing to our publication on Substack, you agree to the following Terms of Service (“Terms”). Please read them carefully. If you do not agree to these Terms, do not use or subscribe to our publication.

1. Eligibility

• You must be at least 16 years old to access or subscribe to our publication.

• By using our services, you confirm that you meet this age requirement and can form a binding contract.

2. Subscriptions and Payments

• We offer both free and paid subscription options. Paid subscriptions provide access to additional content as described on our Substack page.

• Payments are processed by Substack and its third-party providers. By subscribing, you agree to Substack’s payment terms and policies.

3. Content Ownership and Use

• You retain ownership of any content you submit or post, but you grant us the right to display and distribute your content as part of our publication.

• All content provided by us is for personal, non-commercial use only. You may not reproduce, distribute, or modify our content without written permission.

4. User Conduct

You agree not to:

• Violate any laws or regulations.

• Infringe on intellectual property rights.

• Harass, abuse, or harm others.

• Attempt to gain unauthorized access to our systems or accounts.

5. Cancellations and Refunds

• You may cancel your subscription at any time through your Substack account settings. Cancellations take effect at the end of your current billing period.

• Refunds are subject to Substack’s policies.

6. Privacy

• Your use of our publication is also governed by Substack’s Privacy Policy, which describes how your information is collected and used.

7. Changes to Terms

• We reserve the right to update these Terms at any time. Changes will be posted on this page with an updated effective date. Continued use of our publication after changes means you accept the new Terms.

8. Limitation of Liability

• Our publication is provided “as is.” We do not guarantee uninterrupted or error-free access. To the fullest extent allowed by law, we are not liable for any indirect, incidental, or consequential damages arising from your use of our publication.

9. Contact

If you have questions about these Terms, please contact us at info@advalorem.io.

Note: These Terms of Service are in addition to Substack’s Terms of Use, Publisher Agreement, and Privacy Policy. By using our publication, you also agree to Substack’s platform-wide terms and policies.