Terms and Conditions

Last updated: [insert date]. This is a general draft template and should be reviewed and adapted to reflect your specific business practices, service offering, and applicable jurisdiction before publication.

1. Acceptance of Terms

By accessing or using the Rowan Kapithal website ("Site") or any associated services ("Services"), you agree to be bound by these Terms and our Privacy Policy. If you do not agree with any part of these Terms, you should not use the Site or Services.

2. Who We Are

Rowan Kapithal provides data-driven financial analysis and informational content intended to help individuals understand their retirement and investment options. Rowan Kapithal does not manage client funds directly through this Site and does not execute trades or transactions on behalf of visitors through the Site itself.

3. No Financial Advice

The content provided on this Site, including articles, tools, and general commentary, is for informational purposes only and does not constitute personalised financial, investment, tax, or legal advice. Nothing on this Site should be construed as a recommendation to buy, sell, or hold any particular investment or to pursue any specific financial strategy.

You should consult a qualified, independent financial adviser before making any decisions regarding your savings, investments, or retirement planning. Rowan Kapithal accepts no responsibility for decisions made solely on the basis of information found on this Site.

4. Eligibility and Account Use

Where any part of the Site requires registration or the creation of an account, you agree to provide accurate and current information and to keep your login credentials confidential. You are responsible for all activity that occurs under your account.

5. Risk Disclosure

All forms of investment carry risk, including the potential loss of capital. Past performance referenced in any illustrative material is not a reliable indicator of future results. Market conditions, economic factors, and individual circumstances can significantly affect outcomes. Rowan Kapithal makes no guarantee regarding the performance of any investment approach discussed on this Site.

6. Intellectual Property

All content on this Site, including text, graphics, logos, and design elements, is the property of Rowan Kapithal or its licensors and is protected by applicable intellectual property laws. You may view and print content for personal, non-commercial use only. You may not reproduce, distribute, or create derivative works from this content without prior written permission.

7. Acceptable Use

You agree not to use the Site in any way that could damage, disable, or impair its functionality, or that could interfere with any other party's use of the Site. This includes, without limitation, attempting to gain unauthorised access to any part of the Site, introducing malicious code, or using automated tools to scrape or harvest content without permission.

8. Third-Party Links

The Site may contain links to third-party websites or resources. These links are provided for convenience only. Rowan Kapithal does not endorse and is not responsible for the content, accuracy, or practices of any third-party site, and your use of such sites is at your own risk.

9. Limitation of Liability

To the fullest extent permitted by applicable law, Rowan Kapithal shall not be liable for any indirect, incidental, special, or consequential damages arising out of or in connection with your use of, or inability to use, the Site or Services, including but not limited to loss of profits, data, or investment value.

Nothing in these Terms shall exclude or limit liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded under applicable law.

10. Disclaimer of Warranties

The Site and its content are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied. Rowan Kapithal does not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

11. Changes to These Terms

Rowan Kapithal may update these Terms from time to time to reflect changes in our practices or for legal, operational, or regulatory reasons. Any changes will be posted on this page with an updated revision date. Continued use of the Site following any changes constitutes your acceptance of the revised Terms.

12. Termination

Rowan Kapithal reserves the right to suspend or terminate your access to the Site or Services at its discretion, without notice, if we believe you have violated these Terms or engaged in conduct that may harm Rowan Kapithal or other users.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which Rowan Kapithal operates, without regard to conflict of law principles. [Insert specific governing jurisdiction as applicable to your business.]

14. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

15. Contact

If you have any questions regarding these Terms, please refer to the contact details provided elsewhere on this Site.