Terms and Conditions

2.1 Legal Compliance

You agree to use our website and services in compliance with all applicable laws, regulations, and professional standards. This includes but is not limited to:

• • Compliance with local, national, and international laws
• • Adherence to financial reporting and disclosure requirements
• • Respect for intellectual property rights
• • Compliance with data protection and privacy regulations
• • Observance of anti-money laundering and anti-corruption laws

2.2 Conduct Requirements

When using our services, you must:

• • Provide accurate and truthful information
• • Maintain the confidentiality of sensitive business information
• • Communicate professionally and respectfully with our team
• • Honor payment obligations in a timely manner
• • Cooperate in good faith during service delivery
• • Notify us promptly of any issues or concerns

2.3 Prohibited Behaviors

You must not:

• • Use our services for fraudulent, deceptive, or illegal purposes
• • Attempt to compromise the security or integrity of our systems
• • Reproduce, distribute, or commercially exploit our proprietary content
• • Impersonate any person or entity or misrepresent your affiliation
• • Interfere with other users' access to or use of our services
• • Engage in any activity that could harm our reputation or business interests

2.4 Content Submissions

Any information, documents, or materials you provide to us must be:

• • Accurate to the best of your knowledge
• • Legally obtained and properly authorized for disclosure
• • Free from viruses, malware, or harmful code
• • Compliant with all applicable laws and regulations

3.1 Information Accuracy

You are responsible for ensuring that all information provided to us is complete, accurate, and up to date. Inaccurate or incomplete information may affect the quality and reliability of our services.

3.2 Indemnification

You agree to indemnify, defend, and hold harmless FinanceWorks, its directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• • Your violation of these Terms and Conditions
• • Your violation of any law or regulation
• • Your infringement of any third-party rights
• • Any false or misleading information you provide
• • Your use or misuse of our services

3.3 Privacy and Data Protection

You acknowledge responsibility for complying with data protection laws when sharing personal or confidential information with us. You represent that you have obtained necessary consents and authorizations for any data you provide.

3.4 Third-Party Interactions

If our services involve interaction with third parties on your behalf, you remain responsible for managing those relationships and ensuring compliance with applicable agreements and obligations.

4.1 Disclaimer of Warranties

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to:

• • Warranties of merchantability or fitness for a particular purpose
• • Warranties regarding uninterrupted, error-free, or secure service
• • Warranties that results will meet your expectations or requirements
• • Warranties regarding the accuracy or completeness of content

4.2 Professional Advice Disclaimer

While we provide professional financial consulting services, our advice is based on information available at the time and subject to various assumptions and limitations. We do not guarantee specific outcomes or results from implementing our recommendations. Financial decisions always carry inherent risks, and past performance does not indicate future results.

4.3 Limitation of Liability

To the maximum extent permitted by law, FinanceWorks shall not be liable for:

• • Indirect, incidental, special, consequential, or punitive damages
• • Loss of profits, revenue, data, or business opportunities
• • Business interruption or loss of goodwill
• • Damages arising from your use or inability to use our services
• • Damages resulting from third-party actions or omissions
• • Damages exceeding the fees paid for the specific service in question

4.4 Consequential Damages Exclusion

We are not responsible for any consequential or indirect damages arising from business decisions made based on our advice, market conditions beyond our control, or the actions of third parties.

4.5 Jurisdictional Limitations

Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities. In such cases, our liability will be limited to the maximum extent permitted by applicable law.

6.1 Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of the Republic of Cyprus, without regard to its conflict of law provisions.

6.2 Jurisdiction

Any disputes arising from or relating to these Terms and Conditions shall be subject to the exclusive jurisdiction of the courts of Cyprus, and you consent to the personal jurisdiction of such courts.

6.3 Dispute Resolution Procedures

Before initiating formal legal proceedings, the parties agree to attempt to resolve disputes through good faith negotiation. If negotiation is unsuccessful within 30 days, either party may pursue other legal remedies.

6.4 Mediation and Arbitration

For significant commercial disputes, parties may agree to submit the matter to mediation or arbitration before pursuing litigation. The specific procedures and costs will be mutually agreed upon.

6.5 Legal Costs

In any legal proceeding, the prevailing party may be entitled to recover reasonable legal fees and costs as determined by the court or as permitted by law.

7.1 Severability Clause

If any provision of these Terms and Conditions is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable. If modification is not possible, the provision shall be severed, and the remaining provisions shall continue in full force and effect.

7.2 Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any specific engagement agreements, constitute the entire agreement between you and FinanceWorks regarding the subject matter herein and supersede all prior or contemporaneous communications and proposals.

7.3 No Waiver

Our failure to enforce any provision of these Terms and Conditions shall not be construed as a waiver of that provision or our right to enforce it in the future. No waiver shall be effective unless made in writing and signed by an authorized representative.

7.4 Assignment

You may not assign or transfer your rights or obligations under these Terms and Conditions without our prior written consent. We may assign our rights and obligations to any successor entity or affiliate without restriction.

7.5 Headings

The section headings in these Terms and Conditions are for convenience only and have no legal or contractual effect.

8.1 Right to Modify

We reserve the right to modify, amend, or update these Terms and Conditions at any time to reflect changes in our business practices, legal requirements, or technological developments.

8.2 Notification of Changes

When we make material changes to these terms, we will update the "Last Updated" date and may provide notice through our website or via email to active clients. Significant changes affecting ongoing engagements will be communicated directly.

8.3 Acceptance of Modified Terms

Your continued use of our website or services after changes are posted constitutes acceptance of the modified terms. If you do not agree with the changes, you should discontinue using our services and notify us in writing.

9.1 Relationship of Parties

Nothing in these Terms and Conditions creates a partnership, joint venture, employment, or agency relationship between you and FinanceWorks. You have no authority to bind us or make representations on our behalf.

9.2 Survival

Provisions that by their nature should survive termination of these Terms and Conditions shall survive, including but not limited to provisions regarding intellectual property, confidentiality, disclaimers, limitations of liability, and dispute resolution.

9.3 Language

These Terms and Conditions are provided in English. In the event of any conflict between the English version and a translation, the English version shall prevail.

9.4 Electronic Communications

You consent to receive communications from us electronically, including via email or through our website. You agree that electronic communications satisfy any legal requirement that communications be in writing.