Terms of Service

1. Acceptance of Terms

By accessing or using the Plover Equitone website ("Site"), you agree to be bound by these Terms and by our Privacy Policy. If you do not agree with any part of these Terms, you should not use the Site.

2. Nature of the Service

Plover Equitone provides informational content and tools related to decision-making around surplus capital management for freelancers and independent professionals. The content made available through the Site is provided for general informational purposes only and does not constitute financial, legal, tax, or investment advice.

Any outputs, suggestions, or insights generated through the Site should not be relied upon as a substitute for advice from a qualified, licensed professional familiar with your individual circumstances.

3. Eligibility

You must be at least 18 years old and capable of forming a legally binding contract to use this Site. By using the Site, you represent and warrant that you meet these requirements.

4. Account Responsibilities

If any part of the Site requires you to create an account or submit information, you agree to provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of any credentials associated with your use of the Site and for all activity that occurs under your account.

5. Acceptable Use

You agree not to use the Site in any way that:

• Violates any applicable law or regulation.
• Infringes the intellectual property or other rights of any third party.
• Attempts to gain unauthorized access to the Site, its systems, or related networks.
• Involves the transmission of malicious code, spam, or disruptive content.
• Interferes with or disrupts the proper functioning of the Site.

6. No Financial Advice or Guarantee

Nothing on the Site constitutes an offer, solicitation, or recommendation to buy, sell, or hold any financial instrument, nor a guarantee of any particular outcome. Decisions regarding the management of surplus capital involve risk, and Plover Equitone makes no representation or warranty regarding the accuracy, completeness, or suitability of any information presented for your specific situation.

You should seek independent professional advice before making any financial decision based on information obtained through the Site.

7. Intellectual Property

All content on the Site, including text, graphics, logos, and software, is the property of Plover Equitone or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any part of the Site without prior written consent.

8. Third-Party Links and Services

The Site may contain links to third-party websites or services that are not owned or controlled by Plover Equitone. We are not responsible for the content, privacy practices, or terms of any third-party sites, and inclusion of such links does not imply endorsement.

9. Disclaimer of Warranties

The Site is provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or secure.

10. Limitation of Liability

To the fullest extent permitted by applicable law, Plover Equitone and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or goodwill arising from or related to your use of, or inability to use, the Site, even if advised of the possibility of such damages.

11. Indemnification

You agree to indemnify and hold harmless Plover Equitone, its affiliates, and their respective representatives from any claims, damages, liabilities, and expenses arising out of your use of the Site or your violation of these Terms.

12. Termination

We reserve the right to suspend or terminate your access to the Site at our discretion, without notice, for conduct that we believe violates these Terms or is otherwise harmful to other users, Plover Equitone, or third parties.

13. Changes to These Terms

We may update these Terms from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. The updated version will be indicated by a revised date at the top of this page. Continued use of the Site after changes take effect constitutes acceptance of the revised Terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Plover Equitone operates, without regard to its conflict of law provisions. This section is a general placeholder and should be adapted to reflect your specific jurisdictional requirements.

15. Severability

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

16. Contact

If you have questions about these Terms, please reach out through the contact details provided on our Contact page.