Valuables® is a proprietary, third-party standard for objective measurement of individual risk and value in institutional settings. Use is limited to approved institutional partners under these terms: No investment advice, legal counsel, or recommendations are provided. Valuables® maintains strict neutrality in all transactions and governance matters. All scoring methodology, ratings, and classification logic are confidential and proprietary. Reports are issued solely for integration within institutional processes. No fiduciary relationship is created by use of Valuables®. Institutions are fully responsible for application and interpretation within their own frameworks. Valuables® is a measurement standard only and does not constitute endorsement, guarantee of value, or prediction of future performance. Institutional users must comply with all applicable regulations and internal policies.