Terms and Conditions

Legal agreement

These Terms and Conditions constitute a legally binding agreement between you and Pinnwise. By accessing or using this website, or by engaging with Pinnwise services, you confirm that you have read, understood, and agree to be bound by these terms.

If you do not agree to these terms, you should not access or use this website or our services. Pinnwise reserves the right to update these terms at any time without prior notice. Continued use of the website following any changes constitutes acceptance.

1. User obligations and conduct

• 1.1You agree to use this website and any associated services only for lawful purposes and in a manner that does not infringe the rights of others.
• 1.2You must not provide false, misleading, or inaccurate information at any point during your interaction with Pinnwise — including through contact forms or during service engagements.
• 1.3You are responsible for ensuring that any information you share with us does not violate any third-party rights, including confidentiality obligations you may be subject to.
• 1.4You must not attempt to reverse engineer, copy, or distribute any proprietary materials, reports, or deliverables produced by Pinnwise without prior written consent.
• 1.5Any content you submit through this website may be used by Pinnwise solely for the purpose of responding to your inquiry.

2. Eligibility

• 2.1You must be at least 18 years of age and capable of entering into legally binding agreements to use this website or engage Pinnwise services.
• 2.2If you are accessing this website on behalf of a company or organisation, you represent that you have the authority to bind that entity to these terms.

3. Indemnification

You agree to indemnify and hold Pinnwise and its personnel harmless from any claims, liabilities, losses, or expenses — including reasonable legal fees — arising from your use of this website, your breach of these terms, or your violation of any third-party rights. This obligation survives termination of your use of the website.

4. Disclaimer of warranties

• 4.1This website and its content are provided "as is" without warranties of any kind, express or implied. Pinnwise makes no representations regarding accuracy, completeness, or fitness for a particular purpose.
• 4.2Website content does not constitute professional advice of any kind. Decisions should not be made based solely on information presented on this site.
• 4.3Pinnwise does not warrant that the site will be free from errors, interruptions, or security vulnerabilities at all times.

5. Limitation of liability

• 5.1To the fullest extent permitted by applicable law, Pinnwise shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of — or inability to use — this website.
• 5.2This limitation applies regardless of whether such damages were foreseeable or whether Pinnwise was advised of the possibility of such damages.
• 5.3Force majeure: Pinnwise shall not be held liable for failure or delay in performance caused by events beyond its reasonable control, including but not limited to natural disasters, infrastructure outages, or regulatory changes.

6. Privacy and data protection

The collection and use of personal data through this website is governed by our Privacy Policy. By using this website, you acknowledge and agree to the practices described therein.

7. Dispute resolution

• 7.1In the event of a dispute arising from these terms or your use of this website, the parties agree to first attempt resolution through good-faith negotiation.
• 7.2These terms are governed by applicable law. Any unresolved disputes shall be submitted to the jurisdiction of the competent courts applicable to Pinnwise's principal place of business.
• 7.3Severability: if any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

8. Third-party interactions

Any dealings with third parties encountered through or related to this website — including advisors, lenders, or counterparties in transactions — are solely between you and those parties. Pinnwise is not party to, and accepts no responsibility for, any such interactions.