Important disclaimer. The analyses, valuations, ratios and scores produced by The Valuation Lab are provided for informational and educational purposes only. They do not constitute professional financial, legal, tax or investment advice. Any financial or transactional decision should be made after consulting a qualified professional (accountant, auditor, M&A advisor, attorney). The Valuation Lab disclaims all liability for decisions made on the basis of these analyses.
The site thevaluationlab31.com is published by Anass Berjali, as part of a personal financial content and tools activity. The site is not yet operated by a registered legal entity.
Hosting: Vercel Inc., 340 Pine Street, Suite 401, San Francisco, CA 94104, United States.
By accessing and using thevaluationlab31.com, you agree to these Terms of Use in their entirety.
Access. Free tools are available without registration. Paid products (Analysis Report, DD Pro Report, DCF Pro Model) are accessible after payment via Stripe. All payments are final unless a technical error is demonstrated.
Permitted use. Tools and reports are intended for personal or internal professional use. Resale or redistribution of generated reports without authorization is prohibited.
Availability. The service is provided "as is". We reserve the right to modify, suspend or discontinue the service at any time without notice.
The Valuation Lab provides automated financial analysis tools based on data entered by the user. The quality of analyses depends directly on the quality and accuracy of the data provided.
In no event shall The Valuation Lab be liable for financial losses, lost profits or damages of any kind resulting from the use of its tools.
The tools provided by The Valuation Lab are analytical and educational in nature. They do not constitute investment advice within the meaning of MiFID II Directive (2014/65/EU) and do not require AMF authorization. No advice to buy or sell financial securities is provided. Users remain solely responsible for their financial decisions.
All site content (texts, code, design, Excel models, PDF reports, methodologies) is the exclusive property of The Valuation Lab. Any reproduction, even partial, without prior written authorization is prohibited.
Purchased Excel models are licensed under a personal, non-exclusive license. They may not be resold, redistributed or presented as the buyer's original work.
The Valuation Lab collects and processes the following personal data:
Legal basis: Consent (email) and performance of contract (payments).
Retention period: Emails are retained in our Resend audience list for future communications. You may unsubscribe at any time by replying to any email received.
Your rights: Under GDPR, you have the right of access, rectification, erasure and objection. To exercise these rights: contact@thevaluationlab31.com
Cookies: The site uses functional cookies only (no advertising or third-party tracking cookies). Stripe may deposit functional cookies for payment processing.
Consulting services (Standard 500€ · Premium 1,000€ · Ratio Coaching 299€) are subject to the following terms:
Booking. A 50€ deposit is required to confirm your slot. The balance is due at the end of the first session (Standard / Coaching) or at the end of the engagement (Premium).
Cancellation & rescheduling. Any cancellation or rescheduling request must be made at least 48 hours before the scheduled session by email to contact@thevaluationlab31.com. In case of late cancellation (<48h), the 50€ deposit is forfeited. In case of cancellation by The Valuation Lab, the deposit is fully refunded.
Scope of service. Consulting sessions cover valuation analysis, financial structuring and transaction preparation. They do not constitute a regulated investment advisory mandate under MiFID II. No advice to buy or sell financial securities is provided.
Confidentiality. Financial information shared during sessions is treated as strictly confidential. The Valuation Lab undertakes not to disclose it to third parties without prior written consent.
Deliverables. Action plans and valuation memos are provided for guidance purposes. Their use in the context of an actual transaction is the sole responsibility of the client.
Payments are processed via Stripe. Prices are displayed inclusive of all taxes.
Refund policy: Due to the digital nature of products (instant delivery), sales are final. In case of a technical error (non-receipt of file), contact us within 48 hours at contact@thevaluationlab31.com and we will proceed with a refund or re-delivery.
When generating a personalized PDF report via our Vercel servers, the financial parameters transmitted (revenue, margins, growth rates, WACC) are processed in memory only and automatically deleted within 60 minutes of generation. No persistent database stores these parameters.
Only the email address is retained in our Resend list for future communications (with the option to unsubscribe at any time).
These Terms are governed by French law. Any dispute shall be subject to the jurisdiction of French courts.