2. Site Access and Use of Site

Subject to your ongoing compliance with these Terms and Conditions, Harms hereby grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable, freely revocable license to access and use the Site solely for your personal, non-commercial and lawful purposes, provided that you maintain all copyright, trademark and other intellectual property notices therein. Harms does not grant you permission, by implication, estoppel or otherwise, to state or suggest that Harms promotes or endorses any third party’s political views, ideas, causes, products or services. All other rights are hereby expressly reserved.

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Your use of the Site, including all features, functionalities, diagnostic tools, forms, and downloadable content associated therewith, shall be in accordance with all applicable laws, rules, and regulations, or other restrictions on use of the service or Content.

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You shall comply with these Terms and Conditions and shall not:

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• Archive, download, reproduce, distribute, modify, display, perform, publish, license, create derivative works of, offer for sale, or use any Content or information contained in or obtained from or through the Site
• Delete any copyright or proprietary rights notices
• Circumvent, remove, alter, deactivate, degrade, or thwart any Site protections
• Use any robot, spider, scraper, or automated tool to access the Site
• Reverse engineer or disassemble any software or processes accessible through the Site
• Insert code, interfere with Site functionality, or introduce malware
• Use data mining, data gathering, or extraction methods
• Post or transmit any unlawful, harmful, or disruptive material
• Use or encourage the use of the Site for any illegal purpose

Harms reserves the right to alter, suspend, or discontinue the Site or your access to it at any time for any reason without notice or liability

3. Copyrights, Intellectual Property Rights, and Use of Site

All content on the Site, including but not limited to text, graphics, videos, recordings, diagrams, software, frameworks, logos, artwork, interfaces, and their arrangement (collectively, "Content") are the property of Harms Advisory Group or its licensors and is protected under U.S., Canadian, and international intellectual property laws.

You may not copy, distribute, display, republish, reproduce, modify, perform, license, create derivative works from, transmit, or otherwise exploit any Content without Harms' prior written permission. Use of our proprietary tools or frameworks does not grant you any ownership or license rights. You are solely responsible for ensuring any use of Content does not result in harm to your systems or violate any applicable rights.

All rights are expressly reserved.

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4. Trademarks

HARMS®, HARMS^TM, and other marks used on the Site are trademarks of Harms Advisory Group. No license or right to use them is granted without written permission. Unauthorized use is strictly prohibited and will be prosecuted to the fullest extent of the law.

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5. Hyperlinking

Harms makes no representations about any other website you may access through this one. Any such link is provided solely as a convenience and does not imply endorsement. Harms disclaims all liability for content or harms arising from third-party sites. You are solely responsible for ensuring your browsing safety

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6. Privacy and Data Use

Your use of the Site is also subject to our Privacy Policy. By using the Site, you consent to the collection, use, and disclosure of your information as described in our Privacy Policy. This may include cookies, analytics, form submissions, and other usage data collected for service improvement.

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7. User Submissions

All Submissions you post or share on the Site become the property of Harms, including the right to use, publish, distribute, and adapt them in any medium. You waive all claims of infringement or attribution, including privacy and moral rights.

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You agree not to post content that:

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• Is unlawful, defamatory, or obscene
• Encourages criminal or civil violations
• Infringes intellectual property or privacy
• Contains viruses or destructive code
• Contains unauthorized advertising
• Is false or misleading

Harms reserves the right to refuse or remove any Submissions at its sole discretion and without notice.

8. No Services, Endorsement, or Consultation

Information on the Site is provided for general informational purposes only and does not constitute consulting, investment, legal, or other professional advice. Your use of the Site or its Content does not create a professional relationship with Harms Advisory Group.

You use such information at your own risk and should consult appropriate professionals as needed.

9. Disclaimer of Warranties

The Site and all Content are provided "as is" and "as available," without warranty of any kind. Harms disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, title, and non-infringement.

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Harms does not represent or warrant that:

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• The information is accurate or reliable
• The Site will be available, uninterrupted, or error-free
• The Site or its server is free of viruses or harmful components

If you are a California resident, you waive California Civil Code Section 1542.

10. Limitation of Liability

To the fullest extent permitted by law, Harms shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from or related to your use of the Site or Content, including any viruses, outages, or system failures

In no event shall Harms’ total liability exceed $1 (USD).

11. Indemnification

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

12. Governing Law

These Terms are governed by the laws of the State of Delaware, United States, without regard to its conflict of laws principles. You consent to exclusive jurisdiction and venue in the state and federal courts located in Delaware.

13. DMCA / Infringement Notices

If you believe any Content infringes your rights, notify our Designated Agent:

Tisha Hartman
Harms Advisory Group
2033 Gateway Place, Suite 511
San Jose, CA 95110
info@harmsadvisorygroup.com
+1 866 411 3092

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Include all required information per 17 U.S.C. §512(c)(3), including:

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• A physical or electronic signature
• Identification of the copyrighted work
• Identification of the material claimed to be infringing
• Contact information
• A good-faith belief statement
• A statement under penalty of perjury of authorization to act

14. Changes to These Terms

We may update these Terms from time to time by posting a revised version on the Site. You are responsible for reviewing the most current version. Your continued use of the Site after such changes are posted constitutes your acceptance of the revised Terms.

15. Entire Agreement

These Terms constitute the entire agreement between you and Harms Advisory Group regarding use of the Site. Any waiver must be in writing. Failure to enforce any provision shall not constitute a waiver of future enforcement.

Accessibility Statement

We are committed to digital accessibility. If you experience any difficulty accessing content on our Site or need assistance, please contact us at info@harmsadvisorygroup.com.

Thank you for visiting Harms Advisory Group.