Terms and Conditions

1. Acceptance of Terms

By accessing or using the unimbsbian website ("the Site"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree with any part of these Terms, you should discontinue use of the Site immediately.

2. Description of Services

unimbsbian provides informational content, analytical materials, and related resources concerning risk management and investment methodology. Nothing on this Site constitutes a binding offer, solicitation, or guarantee of any outcome, financial or otherwise.

3. No Financial Advice

Content published on the Site is provided for general informational purposes only and should not be construed as personalised financial, investment, tax, or legal advice. Any decisions made in reliance on information found on this Site are made at your own discretion and risk. You should consult a qualified professional before making financial decisions.

4. Eligibility

By using the Site, you represent that you are of legal age in your jurisdiction of residence and have the legal capacity to enter into these Terms. Use of the Site by individuals who do not meet these requirements is not authorised.

5. Intellectual Property

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

6. User Conduct

You agree not to use the Site in any manner that could damage, disable, overburden, or impair it, or interfere with any other party's use of the Site. Attempting unauthorised access to any systems or networks connected to the Site is strictly prohibited.

7. Third-Party Links

The Site may contain links to third-party websites or resources. unimbsbian does not endorse and is not responsible for the content, accuracy, or practices of any linked third-party sites. Access to such links is at your own risk.

8. Disclaimer of Warranties

The Site and its content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. unimbsbian does not warrant that the Site will be uninterrupted, secure, or free of errors.

9. Limitation of Liability

To the fullest extent permitted by applicable law, unimbsbian and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or inability to use, the Site, even if advised of the possibility of such damages.

10. Indemnification

You agree to indemnify and hold harmless unimbsbian, its officers, employees, and affiliates from any claims, losses, liabilities, or expenses arising from your use of the Site or your violation of these Terms.

11. Modifications to Terms

unimbsbian reserves the right to modify these Terms at any time. Updated versions will be posted on this page with a revised effective date. Continued use of the Site following any changes constitutes acceptance of the revised Terms.

12. Termination

unimbsbian may suspend or terminate your access to the Site at its sole discretion, without notice, for conduct that it believes violates these Terms or is otherwise harmful to other users or the Site itself.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which unimbsbian operates, without regard to conflict of law principles. This clause is a placeholder and should be finalised based on unimbsbian's actual legal jurisdiction.