Legal Notice

1. Publisher

The website valor-sme.com is published by:

ValorSME
E-mail: valorsme@proton.me

2. Hosting

The website is hosted by:

Vercel Inc.
340 S Lemon Ave #4133, Walnut, CA 91789, United States
Website: vercel.com

3. Activity

ValorSME is an online decision-support tool designed for owners and managers of small and medium-sized enterprises. It provides a business valuation estimate using the DCF (Discounted Cash Flow) method.

The results provided by the tool do not constitute investment advice, a certified financial appraisal, or a formal valuation certificate. They are provided for informational purposes only and should not replace the analysis of a qualified professional.

4. Intellectual property

All elements of the website (text, graphics, software, databases, methodology, layout) are the exclusive property of the Publisher or its partners and are protected by applicable intellectual property laws.

Any unauthorised reproduction, representation, modification, or exploitation of all or part of the website is prohibited.

5. Data sources

The financial data used by the tool comes from public and reference sources:

Official company registries (legal data), Aswath Damodaran - NYU Stern (sector betas, risk premiums), Kroll / Duff & Phelps (size premium), government bond yields (risk-free rate).

The Publisher does not guarantee the accuracy, completeness, or timeliness of these data.

6. Cookies

The website does not use advertising cookies or third-party trackers. Only technical data is stored in the browser's localStorage to ensure proper functioning of the tool (simulation parameters, results). This data remains on the user's device and is not transmitted to third parties.

7. External links

The website may contain links to third-party sites. The Publisher has no control over the content of these sites and disclaims all liability for their content or any damage resulting from their use.

8. Contact

For any questions regarding this website or this legal notice, contact us at: valorsme@proton.me