Terms of Service

1.1 Permitted Use

You may use our website and services for lawful purposes only and in accordance with these Terms. Our services are designed to provide financial structure analysis and strategic planning guidance. You agree to use our services in a manner consistent with their intended purpose.

Specifically, you may browse our website, submit inquiries through our contact forms, engage our professional services, and access any materials we provide to you as part of our service delivery.

1.2 Prohibited Activities

You agree not to engage in any of the following prohibited activities:

• • Attempting to gain unauthorized access to our systems, networks, or data
• • Interfering with or disrupting the operation of our website or services
• • Using automated systems to access our website without permission
• • Attempting to reverse engineer, decompile, or extract source code from our website
• • Transmitting viruses, malware, or other harmful code
• • Impersonating another person or entity
• • Using our services for illegal purposes or in violation of applicable laws

1.3 Service Modifications

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time, with or without notice. We may also impose limits on certain features or restrict access to parts of our services without liability. We will make reasonable efforts to notify users of significant changes to our services.

1.4 Age Requirements

Our services are intended for individuals who are at least 18 years of age. By using our services, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms.

3.1 Service Uptime

While we strive to maintain continuous access to our website and services, we cannot guarantee uninterrupted availability. Our services may be temporarily unavailable due to maintenance, updates, technical difficulties, or circumstances beyond our control. We will make reasonable efforts to minimize service interruptions and provide advance notice when possible.

3.2 Scheduled Maintenance

We may perform scheduled maintenance on our systems from time to time. When possible, we will provide advance notice of planned maintenance that may affect service availability. Emergency maintenance may be performed without prior notice when necessary to protect the integrity of our systems.

3.3 Geographic Availability

While we provide services to clients worldwide, certain features or services may not be available in all geographic locations due to legal or regulatory restrictions. We reserve the right to limit service availability based on geographic location at our discretion.

3.4 Service Updates

We regularly update and improve our services. These updates may include new features, enhancements to existing functionality, or removal of outdated features. We reserve the right to implement such changes without prior notice, though we will inform users of significant changes that may affect their use of our services.

4.1 Our Content Ownership

All content on our website, including text, graphics, logos, images, audio clips, digital downloads, and software, is the property of Anchor Theorem or its content suppliers and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from our content without our express written permission.

4.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our website and services for their intended purposes. This license does not include the right to download or copy content for commercial purposes, use our materials on other websites, or remove copyright or proprietary notices.

4.3 Client Materials

If you provide us with documents, data, or other materials as part of engaging our services, you retain ownership of those materials. However, you grant us a license to use, analyze, and process these materials as necessary to provide our services to you.

4.4 Trademarks

"Anchor Theorem" and our logo are trademarks of our company. You may not use these marks without our prior written consent. Other trademarks, service marks, and trade names appearing on our website are the property of their respective owners.

6.1 Service Fees

Fees for our professional services are outlined in individual service agreements and on our website. All fees are quoted in Australian dollars (AUD) unless otherwise specified. Fees are subject to change, but any changes will not affect services already contracted.

6.2 Payment Terms

Payment terms are specified in individual service agreements. Generally, payment is required prior to service delivery or according to the payment schedule outlined in your agreement. We accept payment by bank transfer, credit card, or other methods as agreed upon.

6.3 Taxes

Fees do not include applicable taxes, which will be added to your invoice as required by law. You are responsible for all taxes associated with your purchase of services.

6.4 Refund Policy

Refund eligibility and terms are specified in individual service agreements. Generally, fees paid for completed services are non-refundable. If you cancel services before completion, refunds may be available for work not yet performed, as outlined in your service agreement.

7.1 No Guarantees

We provide analysis and strategic guidance based on the information available to us, but we cannot guarantee specific outcomes or results. Financial decisions involve risk, and past performance or historical data does not guarantee future results. Our services are provided "as is" without warranties of any kind.

7.2 Independent Decision Making

You acknowledge that all financial decisions are made at your own discretion and risk. Our analysis and guidance should be considered as one input among many in your decision-making process. You should consult with appropriate legal, tax, and financial professionals before making significant financial decisions.

7.3 External Links

Our website may contain links to third-party websites for your convenience. We do not control or endorse these external sites and are not responsible for their content, privacy practices, or availability. Access to third-party websites is at your own risk.

9.1 Applicable Law

These Terms are governed by the laws of Victoria, Australia, without regard to conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts located in Melbourne, Victoria, for resolution of any disputes arising from these Terms or your use of our services.

9.2 Dispute Resolution

In the event of a dispute, we encourage you to contact us first to attempt an informal resolution. If informal resolution is not possible, disputes may be resolved through mediation or arbitration as agreed upon by the parties, or through legal proceedings in the courts specified above.

9.3 Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.