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Terms of Use

Effective Date : December 2025

These Terms of Use (“Terms”) govern your access to and use of EverestOfInvesting.com (“the Website”), including all related content, tools, AI systems, and services such as Everest AI, the Terminal Value Software, downloadable resources, and content related to The Everest of Investing (“the Book”). By accessing or using the Website, you agree to these Terms. If you do not agree, please discontinue use immediately.

1. Acceptance of Terms

By accessing the Website, creating an account, downloading resources, or using tools such as Everest AI or the Terminal Value Software, you acknowledge that you have read, understood, and agreed to be bound by these Terms.

2. Purpose of the Website

The Website provides educational and informational resources on:

  • The Everest of Investing
  • Terminal Value Investing frameworks
  • Valuation concepts and long-term investing principles
  • AI-powered tools and valuation models

Nothing on the Website constitutes financial, investment, tax, legal, or accounting advice.

3. Intellectual Property

All Website content – including text, images, graphics, AI responses, software, valuation tools, and Book excerpts—is the intellectual property of Covalue Technologies Pvt. Ltd.

You may not reproduce, distribute, modify, or commercially exploit any content without prior written permission.

You may access and download materials for personal, non-commercial educational use only.

4. User Accounts

To access certain features (e.g., Everest AI, downloads, or saved models), you may be required to create an account.

You agree to:

  • Provide accurate information
  • Maintain confidentiality of login credentials
  • Be responsible for all activities under your account

The Website may terminate accounts that violate these Terms.

5. User Conduct

You agree NOT to:

  • Use the Website unlawfully or abusively
  • Attempt unauthorized access to servers or restricted areas
  • Upload harmful code or spam
  • Enter sensitive or confidential information into AI tools
  • Use Everest AI or the Terminal Value Software for commercial, promotional, or misleading purposes

6. Everest AI (AI Assistant)

Everest AI is an AI-powered educational tool.

6.1 Educational Use Only

It does NOT provide:

  • Investment recommendations
  • Personalised financial advice
  • Stock tips
  • Legal or tax guidance
6.2 Limitations

Everest AI may generate incomplete, inaccurate, or outdated information.

All output MUST be independently verified.

6.3 Data Processing

User inputs into Everest AI may be processed by third-party AI providers (e.g., OpenAI).

Do not input personal, confidential, or sensitive information.

6.4 Liability

The Website and its operators are not responsible for decisions based on AI outputs.

7. Terminal Value Software

The Terminal Value Software provides valuation projections for educational purposes only.

You acknowledge:

  • Results and DCF projections are illustrative
  • Assumptions may be simplified and uncertain
  • No output should be interpreted as investment advice

Commercial redistribution is prohibited.

8. Book Content - The Everest of Investing

Book frameworks, case studies, images, and concepts displayed on the Website are for educational use only.

They do NOT constitute:

  • Investment recommendations
  • Predictions of future performance
  • Professional financial advice

All Book content is copyrighted.

9. Third-Party Links & Tools

The Website may link to Google Analytics or external platforms such as CoValue.io.

The Website does not control or endorse third-party content and is not responsible for:

  • Their accuracy
  • Their privacy policies
  • Losses arising from their use

10. No Warranties

The Website, Everest AI, the Terminal Value Software, and Book materials are provided “as is” without warranties of any kind.

Your use of all tools is at your own risk.

11. Limitation of Liability

Covalue Technologies Pvt. Ltd., the author, publisher, and affiliates shall not be liable for:

  • Any financial loss arising from Website use
  • AI-generated inaccuracies
  • Valuation tool outputs
  • Errors or omissions in Book content
  • Indirect, incidental, or consequential damages

Your sole remedy is to discontinue using the Website.

12. Modifications to Terms

The Website may update these Terms at any time.

Continued use after updates constitutes acceptance.

13. Governing Law

These Terms are governed by the laws of India, with exclusive jurisdiction in Mumbai, Maharashtra.

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