Terms and Conditions

---

Intellectual Property Rights

• The Website and all materials therein, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software, are the property of Kenneth Head Financial Consulting or its licensors and are protected by international copyright laws.
• You may not modify, reproduce, distribute, transmit, display, publish, sell, license, or create derivative works of any content on the Website without our prior written consent.

User Content

• You grant us a non-exclusive, worldwide, perpetual, irrevocable, royalty-free, sublicensable license to use, reproduce, adapt, publish, translate, and distribute any content you submit, post, or display on the Website.
• You represent and warrant that you have the right to grant the above license for any content you submit, and that such content does not violate the rights of any third party.

Disclaimer of Warranties

• The Website is provided "as is" and "as available" without any representations or warranties, express or implied. We make no representations or warranties concerning the Website or the information and materials provided therein.
• We do not warrant that the Website will be constantly available or available at all, or that the information on the Website is complete, true, accurate, or non-misleading.

Limitation of Liability

• To the fullest extent permitted by applicable law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use goodwill, or other intangible losses resulting from (a) your access to or use of or inability to access or use the Website; (b) any conduct or content of any third party on the Website.