Terms of Service

Agreement to Terms

These Terms of Service govern your use of the Ratio Anchor website and services. By accessing or using our services, you agree to be bound by these terms. If you do not agree to these terms, please do not use our services.

These terms apply to all visitors, users, and others who access or use our services. We may modify these terms at any time, and your continued use of our services constitutes acceptance of any changes.

Service Usage Terms

1. Acceptable Use

You agree to use our services only for lawful purposes and in accordance with these terms. You agree not to:

• Use our services in any way that violates applicable laws or regulations
• Engage in any conduct that restricts or inhibits anyone's use of our services
• Transmit any harmful code, viruses, or malicious software
• Attempt to gain unauthorized access to our systems or networks
• Interfere with or disrupt the integrity or performance of our services
• Collect or harvest any information from our services without permission

2. Permitted Uses

Our services are intended for:

• Obtaining information about our accounting and bookkeeping services
• Contacting us regarding potential or existing professional engagements
• Accessing resources and content we make available to clients and prospects
• Communicating with our team regarding service-related matters

3. Service Access Requirements

To access certain features of our services, you may be required to:

• Provide accurate and complete information
• Maintain the confidentiality of any account credentials
• Have the legal capacity to enter into binding agreements
• Be at least 18 years of age

4. Fair Usage Guidelines

We expect users to engage with our services in good faith and for legitimate business purposes. Automated scraping, excessive requests, or attempts to overwhelm our systems are prohibited.

Account and Access

1. Account Creation

If we provide account features in the future, you agree to:

• Provide accurate, current, and complete information during registration
• Maintain and update your information to keep it accurate and current
• Maintain the security of your password and account
• Notify us immediately of any unauthorized use or security breach

2. Account Security

You are responsible for:

• All activities that occur under your account
• Safeguarding your login credentials
• Notifying us of any suspected unauthorized access
• Ensuring your account information remains confidential

3. Account Suspension and Termination

We reserve the right to suspend or terminate access to our services if:

• You violate these Terms of Service
• We suspect fraudulent, abusive, or illegal activity
• Required by law or legal process
• Necessary to protect the rights, property, or safety of Ratio Anchor or others

4. Multiple Account Policy

Unless explicitly authorized, you may not create multiple accounts for the purpose of circumventing restrictions or accessing additional resources beyond your entitlement.

Service Availability and Modifications

1. Service Uptime and Maintenance

We strive to maintain reliable access to our services, but we do not guarantee uninterrupted availability. Our services may be temporarily unavailable due to:

• Scheduled maintenance and updates
• Technical difficulties or system failures
• Events beyond our reasonable control
• Security measures or emergency interventions

2. Feature Availability

The features and functionality of our services may vary and are subject to change. We reserve the right to:

• Add, modify, or remove features at our discretion
• Limit availability of certain features to specific users or regions
• Test new features with selected users before general release

3. Geographic Restrictions

Our services are primarily intended for users in Switzerland and the European Economic Area. Access from other jurisdictions may be restricted or limited based on legal and operational considerations.

4. Service Modifications and Updates

We may update, modify, or discontinue any aspect of our services at any time. We will make reasonable efforts to notify users of significant changes that materially affect service functionality.

Intellectual Property Rights

1. Content Ownership

All content on our website, including text, graphics, logos, images, and software, is the property of Ratio Anchor or its licensors and is protected by intellectual property laws. You may not:

• Reproduce, distribute, or create derivative works without permission
• Remove or alter any copyright, trademark, or proprietary notices
• Use our content for commercial purposes without authorization
• Frame or mirror any part of our services on other websites

2. User-Generated Content Rights

If you submit content to us through forms, communications, or other means:

• You retain ownership of the content you provide
• You grant us a license to use it for service provision and communication
• You represent that you have the right to share the content
• You warrant that the content does not infringe third-party rights

3. License Grants

We grant you a limited, non-exclusive, non-transferable license to access and use our services for their intended purpose. This license does not include any resale or commercial use of our services or content.

4. Copyright and Trademark Notices

Ratio Anchor and associated branding are trademarks of our company. Unauthorized use of our trademarks is prohibited and may violate applicable laws.

Disclaimers and Limitations

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

• Implied warranties of merchantability and fitness for a particular purpose
• Warranties regarding accuracy, reliability, or completeness of content
• Warranties that services will be uninterrupted, secure, or error-free
• Warranties that defects will be corrected

We do not warrant that our services will meet your requirements or that the operation of our services will be uninterrupted or error-free. You use our services at your own risk.

Termination

Either party may terminate access to services:

• At any time, for any reason, with or without notice
• Immediately if you breach these terms
• As required by law or legal process

Upon termination, your right to use our services immediately ceases. Provisions that by their nature should survive termination will remain in effect.

Governing Law and Jurisdiction

These Terms of Service are governed by and construed in accordance with the laws of Switzerland. Any disputes arising from or relating to these terms or our services shall be subject to the exclusive jurisdiction of the courts of Zürich, Switzerland.

If you are a consumer within the European Union, you may have additional rights under local law, and nothing in these terms affects those rights.