Terms and Conditions

1. Acceptance of Terms

By using this website, submitting an inquiry, requesting a consultation, or otherwise engaging with Kanjewiria, you confirm that you have read, understood, and agree to these Terms, together with our Privacy Policy. If you do not agree with any part of these Terms, please discontinue use of the site and do not engage our services.

2. Description of Services

Kanjewiria provides informational content, analytical methodology explanations, and advisory consultations related to liquidity planning and risk-aware financial recommendations for small and mid-sized businesses. Unless explicitly agreed in a separate signed engagement document, nothing on this website constitutes a binding offer of services, a financial product, or a guarantee of outcomes.

3. No Financial, Legal, or Investment Advice

Content published on this site — including explanatory charts, illustrative figures, and methodology descriptions — is provided for general informational purposes only. It does not constitute financial, investment, tax, accounting, or legal advice, and should not be relied upon as a substitute for consultation with appropriately qualified professionals familiar with your specific circumstances. Any figures, charts, or examples shown are illustrative and intended solely to explain methodology; they do not represent guaranteed results, historical performance of any specific client, or forward-looking projections.

4. Eligibility and Accurate Information

By submitting any form on this site, including requests for consultation, you represent that you are authorized to act on behalf of the business or entity on whose behalf you are inquiring, and that the information you provide is accurate and current to the best of your knowledge. We reserve the right to decline or discontinue engagement at our discretion.

5. Intellectual Property

All text, graphics, layouts, charts, and other materials appearing on this website are the property of Kanjewiria or its licensors and are protected by applicable intellectual property laws, unless otherwise indicated. You may view and print content for personal, non-commercial reference, but may not reproduce, distribute, modify, or create derivative works from this content without prior written consent.

6. Acceptable Use

You agree not to use this website in any way that could damage, disable, overburden, or impair it, or interfere with any other party's use of the site. This includes, without limitation, attempting unauthorized access to any systems, scraping content at scale without permission, or using the site to transmit unlawful, infringing, or harmful material.

7. Third-Party Links and Content

This website may reference or link to third-party resources for informational convenience. Kanjewiria does not control and is not responsible for the content, accuracy, or practices of any third-party sites. Inclusion of a link does not imply endorsement.

8. Limitation of Liability

To the fullest extent permitted by applicable law, Kanjewiria and its representatives shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or business opportunity, arising out of or in connection with your use of this website or any advisory services, even if advised of the possibility of such damages. Nothing in these Terms is intended to exclude liability that cannot lawfully be excluded under applicable law.

9. No Warranty

This website and its content are 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 accuracy, completeness, merchantability, fitness for a particular purpose, or non-infringement. Kanjewiria does not warrant that the site will be uninterrupted, error-free, or free of harmful components.

10. Indemnification

You agree to indemnify and hold harmless Kanjewiria and its representatives from any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising out of your breach of these Terms or your misuse of the website or services.

11. Confidentiality of Submitted Information

Information you submit through consultation request forms will be handled in accordance with our Privacy Policy. Any confidential business information exchanged during an actual advisory engagement would be governed by the terms of a separate signed engagement agreement, not by this general website document.

12. Modifications to These Terms

Kanjewiria reserves the right to update or modify these Terms at any time. Changes become effective upon posting to this page, with the "Last updated" date revised accordingly. Continued use of the website after changes are posted constitutes acceptance of the revised Terms.

13. Termination of Access

Kanjewiria reserves the right to suspend or terminate access to this website, without notice, for any user believed to be in violation of these Terms or applicable law.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable at Kanjewiria's place of business, without regard to conflict-of-law principles. [Insert specific governing law and jurisdiction clause as applicable and confirmed by legal counsel.]

15. Severability

If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.

16. Contact

Questions regarding these Terms should be directed to Kanjewiria using the contact details provided in the website footer or via the consultation request form.

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This document is a general, editable template provided for structural reference only. It does not reflect jurisdiction-specific legal requirements, does not constitute legal advice, and should be reviewed and customized by qualified legal counsel prior to use.