Terms of Use

2.1 Age Requirements

You represent and warrant that you are at least 18 years of age (or the age of majority in your jurisdiction) and possess the legal authority to enter into these Terms. If you are under 18, you may only use the Website with the permission and direct supervision of a parent or legal guardian.

2.2 Account Eligibility

You represent and warrant that you are a legally competent person or entity authorized to enter into binding contracts. You may not create accounts under a false identity or on behalf of someone else without their explicit authorization.

2.3 Restricted Access

If you reside in a jurisdiction where the provision of our Services is prohibited or restricted, you are not authorized to use the Website. You are responsible for ensuring that your use of the Website complies with all applicable laws and regulations in your jurisdiction.

3.1 License Grant

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the Website for your personal, non-commercial use. This license does not permit you to:

• • Reproduce, distribute, or transmit the Website's content
• • Create derivative works based on the Website
• • Modify, adapt, or translate the Website
• • Reverse engineer, decompile, or disassemble any part of the Website
• • Rent, lease, loan, or transfer the Website or its content
• • Use the Website for any commercial purpose or on behalf of any third party

3.2 Acceptable Use Policy

You agree to use the Website only in ways that are permitted by these Terms and all applicable laws and regulations. You shall not use the Website:

• • To transmit any unlawful, harassing, defamatory, obscene, or offensive content
• • To impersonate any person or entity, or falsify your identity or affiliation
• • To distribute spam, unsolicited emails, or any form of mass communication
• • To engage in any form of hacking, cracking, phishing, or unauthorized access
• • To introduce malware, viruses, worms, or other harmful code
• • To attempt to circumvent security measures or access restricted areas
• • To engage in scraping, crawling, or automated data collection without permission
• • To infringe upon the rights of others (intellectual property, privacy, etc.)
• • To engage in any illegal activity or activity that violates third-party rights
• • To harass, threaten, defame, or abuse other users or staff
• • To post misleading or false information
• • To engage in competition or comparative analysis without permission

3.3 Monitoring and Enforcement

We reserve the right to monitor user activity and content for compliance with these Terms. We may investigate violations and take appropriate action, including suspending or terminating accounts, removing content, or cooperating with law enforcement. We have no obligation to provide notice before taking such action.

4.1 Account Creation

If you create a user account, you are responsible for maintaining the confidentiality of your account credentials (username, password, and any other identifying information) and for all activities that occur under your account. You agree to provide accurate, truthful, and complete information during registration.

4.2 Account Responsibility

You are solely responsible for all activities conducted through your account, whether authorized or unauthorized. You agree to notify us immediately of any unauthorized use of your account or any other breach of security. We are not liable for any loss or damage resulting from unauthorized use of your account.

4.3 Account Termination

We reserve the right to terminate or suspend your account at any time, with or without cause, and without notice. Grounds for termination may include, but are not limited to:

• • Violation of these Terms of Use
• • Fraudulent or illegal activity
• • Harassment or abuse of other users or staff
• • Non-payment of fees or charges
• • Inactivity for an extended period
• • Use of the Website in a manner that harms our business

5.1 Ownership of Content

All content on the Website, including but not limited to text, graphics, logos, images, audio clips, video clips, digital downloads, data compilations, and software, is the property of TAC or its content suppliers and is protected by international copyright laws, trademark laws, and other intellectual property laws.

5.2 Limited License

We grant you a limited, revocable license to view and download materials on the Website for personal, non-commercial use only. You may not reproduce, distribute, modify, or transmit any materials without our prior written consent. This license is personal to you and does not transfer or assign to any other person or entity.

5.3 Trademarks

The trademarks, service marks, and logos (collectively, "Marks") displayed on the Website are the property of TAC or their respective owners. You are not permitted to use these Marks without express written permission from TAC or the respective owner.

5.4 User-Generated Content

Any content you submit, post, or display on the Website ("User Content") remains your property. However, by submitting User Content, you grant TAC a worldwide, non-exclusive, royalty-free, perpetual, and irrevocable license to:

• • Use, reproduce, and distribute your User Content
• • Create derivative works based on your User Content
• • Publicly display and perform your User Content
• • Use your User Content for marketing and promotional purposes

You represent and warrant that you own or control all rights to your User Content and that it does not violate any third-party rights or applicable laws.

6.1 Service Provision

The Services are provided on an "AS IS" and "AS AVAILABLE" basis. We do not warrant that the Website or Services will be uninterrupted, error-free, or free from viruses or other harmful components. We also do not warrant the accuracy, completeness, or reliability of any information provided on the Website.

6.2 Disclaimer of Warranties

TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE WEBSITE OR SERVICES WILL MEET YOUR REQUIREMENTS OR THAT THEIR OPERATION WILL BE UNINTERRUPTED OR ERROR-FREE.

6.3 Advisory Services Disclaimer

TAC provides business advisory, consulting, and informational services. Please note:

• Not Professional Advice: Our services and content do not constitute professional legal, financial, tax, or business advice. You should consult with qualified professionals before making any business decisions.
• No Guarantee of Results: We do not guarantee or warrant any specific results or outcomes. Business success depends on many factors beyond our control.
• Regulatory Compliance: You are responsible for ensuring your use of our services complies with all applicable laws and regulations in your jurisdiction.
• Professional Consultation: For specific legal, financial, or tax matters, please consult with licensed professionals in your jurisdiction.

6.4 Third-Party Content

The Website may contain links to third-party websites and services. We are not responsible for the content, accuracy, legality, or accessibility of third-party websites. Your access to third-party content is at your own risk and subject to their terms and conditions.

7.1 Exclusion of Damages

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL TAC BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

7.2 Cap on Liability

Our total liability to you for all claims arising from or relating to these Terms or your use of the Website shall not exceed the total amount paid by you to us in the 12 months preceding the claim, or if you have not made any payments, $100 USD. This limitation applies regardless of the form of action or the basis of the claim.

7.3 Exceptions

These limitations do not apply to liability that cannot be excluded by applicable law, such as gross negligence, fraud, or intentional misconduct.

9.1 Fees and Charges

Some services on the Website may require payment. All fees and charges are in U.S. dollars (USD) unless otherwise stated. Prices are subject to change at any time. Any price changes will be communicated in advance.

9.2 Payment Methods

We accept various payment methods, including credit cards, bank transfers, and other electronic payment methods. Payment is processed by third-party payment processors, and you are subject to their terms and conditions.

9.3 Billing and Refunds

Billing: We will bill you on a periodic basis as agreed. Charges will appear on your payment method statement.

Refunds: Refund eligibility depends on the specific service purchased. Please review the refund policy for each service. General refunds are not available for advisory services unless specifically offered. Non-refundable charges will be clearly marked at the time of purchase.

9.4 Late Payment

If payment is not received by the due date, we may suspend or terminate your access to paid Services. We may also charge late fees or interest as permitted by law.

9.5 Taxes

You are responsible for any applicable taxes, withholding taxes, or other government charges related to your use of the Services. All fees are exclusive of applicable taxes unless otherwise stated.

10.1 Confidential Information

You acknowledge that the Website and Services may contain proprietary information and trade secrets of TAC. You agree to maintain the confidentiality of any such information and not to disclose it to third parties without prior written consent.

10.2 Permitted Disclosures

You may disclose confidential information if required by law or court order, provided you give TAC prompt written notice to allow us to seek protective measures.

12.1 Governing Law

These Terms of Use are governed by and construed in accordance with the laws of Switzerland, without regard to its conflict of law principles.

12.2 Jurisdiction and Venue

You agree to submit to the exclusive jurisdiction of the courts of Geneva, Switzerland, for resolution of any disputes arising from or relating to these Terms of Use or your use of the Website.

12.3 Dispute Resolution

Before initiating legal proceedings, we encourage you to contact us to attempt informal resolution of the dispute. Either party may request mediation or arbitration as a means of resolving disputes.

13.1 Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision will be modified to the minimum extent necessary to make it valid and enforceable.

13.2 Waiver

The failure of TAC to enforce any right or provision shall not constitute a waiver of that right or provision. Any waiver must be in writing and signed by an authorized representative of TAC.

16.1 Assignment

You may not assign or transfer these Terms or any rights or obligations hereunder without our prior written consent. We may assign these Terms at any time without notice to you.

16.2 Notices

Notices sent to you regarding these Terms will be effective when we post them on the Website or send them to your email address on file.

16.3 Relationship of Parties

These Terms do not create a partnership, joint venture, agency, or employment relationship between you and TAC. You are an independent user, and nothing in these Terms should be construed as creating such a relationship.

16.4 Survival

Provisions that by their nature should survive termination of these Terms (such as intellectual property rights, limitation of liability, and indemnification) shall survive.

16.5 Cumulative Remedies

The remedies available to either party are cumulative and not exclusive. The exercise of one remedy does not preclude the exercise of any other remedy.

16.6 Authority

These Terms are entered into by The Advisory Collective and apply to all users of the Website. We represent that we have the authority to enter into these Terms on behalf of the Company.