Terms of Use

1. Purpose

These Terms of Use (the “Terms”) govern your access to and use of the website, content, and tools provided by Pactrovance (the “Service”). By accessing the Service, you confirm that you have read, understood, and accepted these Terms in full, without reservation.

2. Acceptance of Terms

By using the Service, you confirm that you accept these Terms in full. If you do not agree to be bound by them, please do not access or use the Service. Pactrovance may update these Terms at any time, and any changes will take effect once they are posted on this page.

3. Service Description

Pactrovance offers content, analysis, and decision-support tools for informational purposes only. They do not constitute personalised advice, an investment recommendation, or any assurance of outcomes. Users are solely responsible for any decisions made based on the information accessed.

4. Accessing the Service

Pactrovance takes reasonable steps to ensure continued access to the Service, but does not guarantee uninterrupted availability. The Service may be suspended, disrupted or modified, in whole or in part, including for maintenance, updates or events beyond reasonable control, without Pactrovance incurring any liability as a result.

5. User account

Where an account is required, the user agrees to provide accurate, current information and keep their login credentials confidential. Any activity carried out through an account will be deemed to have been undertaken by the account holder. Pactrovance reserves the right to suspend or terminate an account if these Terms are breached.

6. Permitted use

The user agrees to use the Service in compliance with applicable laws and these Terms. In particular, the user must not:

• reproduce, copy, or distribute any content without prior authorisation;
• try to access Pactrovance's systems or data without authorisation;
• use the Service for any fraudulent or misleading activity, or in violation of applicable laws or regulations;
• interfere with, or attempt to interfere with, the proper functioning of the Service.

7. Intellectual property

All components of the Service, including text, graphics, logos, structures and databases, are protected under applicable intellectual property laws and remain the exclusive property of Pactrovance or its licensors. Users are not granted any licence or right to use these materials, except for the limited right to access and view them strictly as required for the normal use of the Service.

8. Not financial advice

The content, analysis and data provided through the Service are for informational purposes only and should not be treated as investment advice, a solicitation, or an offer to buy or sell any financial instrument. Users are solely responsible for any decisions made based on this information and are advised to consult a qualified professional before making any binding commitment.

9. Limitation of Liability

To the fullest extent permitted under applicable law, Pactrovance will not be liable for any direct or indirect damage, loss of data, financial loss, or other harm arising from the use of the Service or the inability to use it, including where information is inaccurate, incomplete, or unavailable.

10. Links to Third-Party Websites

The Service may include links to third-party websites or resources. Pactrovance does not control these websites and is not responsible for their content, availability, or any consequences arising from their use.

11. Termination

Pactrovance may, at its sole discretion, suspend or terminate access to the Service if these Terms are breached, without prior notice or compensation. Users may stop using the Service at any time.

12. Governing Law and Jurisdiction

[To be completed: state the governing law and the jurisdiction of the competent courts, based on Pactrovance's place of registration and applicable legal requirements.]

13. Contact

If you have any questions about these Terms, please use the contact details provided on the Pactrovance website.