Terms of Use

1. Acceptance of Terms

By accessing, browsing, or using this website (the "Website" or "Service"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, you must not access or use this Website.

These Terms constitute a legally binding agreement between you ("User," "you," or "your") and the operators of this Website ("we," "us," or "our"). We reserve the right to modify these Terms at any time without prior notice. Your continued use of the Website following any changes constitutes your acceptance of the revised Terms.

2. Description of Service

This Website is an educational resource that provides information about various international jurisdictions for business purposes, including but not limited to:

• Comparison of different jurisdictions for company formation
• General information about tax systems and rates
• Overview of regulatory environments
• Information about licensing requirements (cryptocurrency, gambling, financial services)
• General business environment characteristics
• News and articles about international business topics

The information provided is intended for general educational and research purposes only and should be used as a starting point for further investigation with qualified professionals.

3. Critical Disclaimers

3.1 No Professional Advice

THE INFORMATION PROVIDED ON THIS WEBSITE DOES NOT CONSTITUTE AND SHALL NOT BE CONSTRUED AS:

• Legal advice - We are not a law firm and do not provide legal services or legal opinions
• Tax advice - We are not tax advisors and do not provide tax planning, compliance, or optimization services
• Financial advice - We are not financial advisors and do not provide investment, asset protection, or financial planning services
• Accounting advice - We are not accountants and do not provide bookkeeping, audit, or accounting services
• Immigration advice - We are not immigration consultants and do not provide visa or residency guidance

3.2 No Professional Relationship

Your use of this Website does not create any attorney-client, accountant-client, advisor-client, or any other professional relationship between you and the Website operators. We do not owe you any duty of care that would arise from such relationships.

3.3 Consult Qualified Professionals

Before making any decisions based on information found on this Website, you MUST consult with qualified, licensed professionals in the relevant jurisdiction(s), including but not limited to:

• Licensed attorneys familiar with the applicable laws
• Certified public accountants or chartered accountants
• Registered tax advisors
• Licensed financial advisors
• Registered corporate service providers

3.4 Information Accuracy

While we strive to provide accurate and up-to-date information, we make NO WARRANTY OR GUARANTEE regarding:

• The accuracy, completeness, or currency of any information
• The reliability of any data, statistics, or figures
• The applicability of any information to your specific situation
• The continued validity of any information over time

Laws, regulations, tax rates, and business requirements change frequently and without notice. Information that is accurate at the time of publication may become outdated. You are solely responsible for verifying all information with official government sources and qualified professionals before relying on it.

4. Permitted Use

You may use this Website for:

• Personal, non-commercial educational research
• Preliminary investigation of potential business jurisdictions
• General comparison of jurisdiction characteristics
• Reading news and articles for informational purposes

5. Prohibited Use

You agree NOT to:

• Use the Website for any unlawful purpose or in violation of any applicable laws
• Reproduce, duplicate, copy, sell, resell, or commercially exploit any portion of the Website without express written permission
• Use automated systems, robots, scrapers, or similar technology to access or extract content from the Website
• Attempt to gain unauthorized access to any portion of the Website or its systems
• Interfere with or disrupt the Website's infrastructure
• Use the Website to facilitate tax evasion, money laundering, or any other illegal activity
• Misrepresent your identity or affiliation
• Use the content to provide professional services to others without proper licensing

6. Intellectual Property

All content on this Website, including but not limited to text, graphics, logos, images, data compilations, software, and the selection and arrangement thereof, is the property of the Website operators or its content suppliers and is protected by international copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and view the content for personal, non-commercial use only. This license does not include:

• The right to modify, copy, or create derivative works
• The right to download (except for temporary caching) or store content
• The right to resell or commercially use any content
• The right to collect or harvest any data or information

7. Forms, Lead Generation, and Third-Party Referrals

7.1 Form Submissions

The Website may include forms that allow you to request information, express interest in services, or submit inquiries (such as consultation request forms, service inquiry forms, or contact forms). By submitting any form on the Website, you:

• Confirm that all information you provide is accurate, current, and complete
• Consent to us collecting, storing, and processing the personal information you submit
• Expressly consent to us sharing your information with third-party service providers who may contact you regarding the services or information you requested
• Agree to receive communications from us and/or our third-party partners via email, phone, SMS, or other means regarding your inquiry
• Acknowledge that once your information is shared with third parties, their use of your data is governed by their own privacy policies

7.2 Third-Party Service Partners

We work with a network of third-party service providers, including but not limited to corporate formation agents, law firms, accounting firms, tax advisors, banks, and other professional service providers. When you submit a form indicating interest in services:

• Your information may be shared with one or more of these third-party partners who we believe can assist with your stated needs
• These third parties may contact you directly to discuss your inquiry and offer their services
• We may receive compensation or referral fees from these third parties when you engage their services
• We do not guarantee the quality, legality, or suitability of any services offered by third-party providers

Important: Any engagement with a third-party service provider is a separate contractual relationship between you and that provider. We are not a party to such agreements and bear no responsibility for the services rendered, disputes, or outcomes.

7.3 No Guarantee of Service

Submitting a form does not guarantee that you will receive services or that any third-party provider will contact you. Service providers make their own independent decisions about which inquiries to pursue.

7.4 Your Representations

By submitting a form, you represent and warrant that:

• You are at least 18 years of age and legally capable of entering into contracts
• You are submitting the form for legitimate business purposes
• You are not submitting false, misleading, or fraudulent information
• Your intended use of any services is lawful in your jurisdiction

8. Third-Party Links and Affiliate Relationships

8.1 External Links

This Website may contain links to third-party websites that are not owned or controlled by us. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites.

8.2 Affiliate Disclosure

This Website participates in affiliate programs and may receive compensation for referrals to third-party services, including but not limited to corporate formation services. When you click on certain links, make purchases, engage services, or submit forms expressing interest in services, we may receive a commission or referral fee. This affiliate relationship does not affect the information we provide, but you should be aware of this relationship when evaluating our content.

8.3 No Endorsement

Links to or mentions of third-party products, services, or companies do not constitute an endorsement or recommendation. You are solely responsible for evaluating the suitability of any third-party products or services for your needs.

9. User Data and Privacy

Your use of the Website is also governed by our Privacy Policy and Cookie Policy, which are incorporated into these Terms by reference. Please review these policies to understand how we collect, use, protect, and share information, including how we handle data submitted through forms.

Any comparison selections, preferences, or similar data you create while using the Website are stored locally in your browser and are not transmitted to or stored on our servers. However, any information you submit through forms may be stored on our servers and shared with third parties as described in our Privacy Policy.

10. Disclaimer of Warranties

THIS WEBSITE AND ALL CONTENT, MATERIALS, AND INFORMATION PROVIDED ARE OFFERED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• IMPLIED WARRANTIES OF MERCHANTABILITY
• FITNESS FOR A PARTICULAR PURPOSE
• NON-INFRINGEMENT
• ACCURACY, RELIABILITY, OR COMPLETENESS OF CONTENT
• UNINTERRUPTED OR ERROR-FREE OPERATION
• FREEDOM FROM VIRUSES OR OTHER HARMFUL COMPONENTS

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE WEBSITE OPERATORS, THEIR DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, OR CONTENT PROVIDERS BE LIABLE FOR ANY:

• DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
• LOSS OF PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITIES
• BUSINESS INTERRUPTION OR LOSS OF GOODWILL
• DAMAGES ARISING FROM YOUR RELIANCE ON ANY INFORMATION ON THE WEBSITE
• DAMAGES ARISING FROM TAX OBLIGATIONS, PENALTIES, OR LIABILITIES
• DAMAGES ARISING FROM LEGAL CLAIMS OR REGULATORY ACTIONS
• DAMAGES ARISING FROM FAILED BUSINESS VENTURES OR INVESTMENTS

This limitation applies regardless of the theory of liability (whether in contract, tort, negligence, strict liability, or otherwise), even if we have been advised of the possibility of such damages.

IN ANY EVENT, OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO YOUR USE OF THE WEBSITE SHALL NOT EXCEED THE AMOUNT YOU PAID TO ACCESS THE WEBSITE (IF ANY) OR ONE HUNDRED US DOLLARS (USD $100.00), WHICHEVER IS LESS.

12. Indemnification

You agree to indemnify, defend, and hold harmless the Website operators, their directors, officers, employees, agents, affiliates, and content providers from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use or misuse of the Website
• Your violation of these Terms
• Your violation of any applicable laws or regulations
• Your reliance on any information provided on the Website
• Any business decisions you make based on Website content
• Your infringement of any third-party rights

13. Governing Law and Jurisdiction

These Terms and any dispute or claim arising out of or in connection with them or their subject matter (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of the Cook Islands, without regard to its conflict of law principles.

Any legal action or proceeding arising out of or related to these Terms or your use of the Website shall be brought exclusively in the courts located in the Cook Islands. You hereby irrevocably consent to the personal jurisdiction of such courts and waive any objection to venue in such courts, including any objection based on inconvenient forum.

14. Dispute Resolution

Before initiating any formal legal proceedings, you agree to first attempt to resolve any dispute informally by contacting us at the email address provided below. We will attempt to resolve the dispute informally within sixty (60) days.

If the dispute cannot be resolved informally, you agree that any claim or dispute shall be resolved exclusively in the courts of the Cook Islands as specified above.

15. Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, such provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect and enforceable.

16. Waiver

No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term, and our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

17. Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and us regarding your use of the Website and supersede all prior agreements and understandings, whether written or oral.

18. Changes to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. If we make material changes, we will update the "Last updated" date at the top of this page. Your continued use of the Website after any such changes constitutes your acceptance of the new Terms.

It is your responsibility to review these Terms periodically. We recommend checking this page regularly for any updates.

19. Contact Information

If you have any questions about these Terms, please contact us at:

Email: [email protected]

20. Acknowledgment

BY USING THIS WEBSITE, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF USE, UNDERSTAND THEM, AND AGREE TO BE BOUND BY THEIR TERMS AND CONDITIONS. YOU FURTHER ACKNOWLEDGE THAT THESE TERMS CONSTITUTE THE COMPLETE AND EXCLUSIVE STATEMENT OF THE AGREEMENT BETWEEN YOU AND US, SUPERSEDING ANY PRIOR AGREEMENT, WHETHER ORAL OR WRITTEN, AND ANY OTHER COMMUNICATIONS BETWEEN YOU AND US RELATING TO THE SUBJECT MATTER HEREOF.