User Eligibility

You must be at least eighteen years of age to use this website. By using the website, you represent and warrant that you meet this eligibility requirement and that you have the legal capacity to enter into these Terms and Conditions.

User Responsibilities

Users are responsible for their own conduct while accessing and using the website. The following responsibilities apply to all users without exception.

• •

  You agree to use the website only for lawful purposes and in a manner that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the website.

• •

  You are responsible for ensuring that any information you provide is accurate, current, and complete. The Company is not responsible for errors resulting from inaccurate information.

• •

  You agree not to attempt to gain unauthorized access to any portion of the website, other accounts, or computer systems connected to the website through hacking or other means.

• •

  You are solely responsible for any outcomes resulting from the application of methodologies or frameworks discussed on the website, including any financial or investment decisions.

Definitions

For the purposes of these Terms and Conditions, the following terms shall have the meanings set forth below. These definitions apply throughout the document unless the context clearly requires otherwise.

Intellectual Property

All content on this website, including but not limited to research frameworks, code, documentation, text, graphics, logos, and images, is the property of the Company or its licensors and is protected by applicable intellectual property laws. You may access and use the content for personal, non-commercial purposes only, subject to the restrictions set forth in these terms.

User Content

If you submit any content to the website, including comments, feedback, or suggestions, you grant the Company a non-exclusive, royalty-free, perpetual, and irrevocable license to use, reproduce, modify, and distribute such content for any purpose related to the operation and improvement of the website.

Privacy Policy

Your use of the website is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. Please review the Privacy Policy carefully.

View Privacy Policy

Disclaimer

The content provided on this website is for informational and educational purposes only and does not constitute professional financial, investment, legal, or tax advice.

Limitation of Liability

To the fullest extent permitted by applicable law, the Company shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of the website or its content.

Indemnification

You agree to indemnify, defend, and hold harmless the Company and its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, costs, or expenses arising from your use of the website or violation of these Terms and Conditions.

Arbitration

Any dispute, controversy, or claim arising out of or relating to these terms shall be settled by binding arbitration in accordance with the Arbitration Act 1996 of New Zealand. The arbitration shall be conducted in English and the seat of arbitration shall be Wellington, New Zealand.

The arbitrator's decision shall be final and binding on both parties, and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.

Online Dispute Resolution

If you are a consumer resident in the European Union, you may have the right to use the European Commission's online dispute resolution platform to resolve disputes. The Company is not obligated to participate in online dispute resolution.

Visit ODR Platform

Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of New Zealand, without regard to its conflict of law provisions.

Termination

The Company reserves the right to terminate or suspend your access to the website, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms and Conditions.

Modifications

The Company reserves the right to modify or replace these Terms and Conditions at any time. It is your responsibility to review these terms periodically for changes. Continued use of the website after changes constitutes acceptance of the revised terms.

Severability

If any provision of these Terms and Conditions is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect to the maximum extent permitted by law.

Entire Agreement

These Terms and Conditions constitute the entire agreement between you and the Company regarding your use of the website and supersede all prior agreements, understandings, and communications.

Contact Information

If you have any questions about these Terms and Conditions, please contact us through the information provided on our website. We will respond to inquiries within a reasonable timeframe.