Terms of Service

Introduction and Scope

Welcome to Equinox Ledger. These Terms of Service govern your access to and use of our website and the analytical services we provide. By accessing our website or engaging our services, you acknowledge that you have read, understood, and agree to be bound by these terms.

These terms apply to all visitors, users, and others who access or use our services. If you do not agree with any part of these terms, you should not use our website or services. We reserve the right to modify these terms at any time, and your continued use of our services after such modifications constitutes acceptance of the updated terms.

Service Usage and Acceptable Use

Permitted Uses

You may use our website and services for lawful purposes related to:

• Researching and learning about financial analysis methodologies
• Requesting information about our analytical services
• Engaging our professional services for financial analysis
• Viewing educational content and examples we provide

Prohibited Activities

You agree not to engage in any of the following activities:

× Using automated systems or software to extract data from our website without permission
× Attempting to interfere with, compromise, or disrupt the website's functionality or security
× Impersonating any person or entity, or falsely stating your affiliation with anyone
× Transmitting viruses, malware, or any malicious code
× Using our services for any unlawful purpose or to violate any applicable regulations
× Reproducing, duplicating, or reselling our content without explicit written permission

Fair Usage Guidelines

We expect all users to interact with our website and services in good faith. Excessive requests, attempts to circumvent access controls, or behavior that places unreasonable strain on our systems may result in temporary or permanent restriction of access. We monitor usage patterns to ensure fair access for all users.

Service Engagement and Delivery

Service Requests and Consultations

When you request our analytical services, the process typically involves an initial consultation where we discuss your specific needs and determine whether our services are appropriate for your situation. This consultation helps us understand your objectives and allows you to evaluate whether you wish to proceed.

No contractual relationship exists until you formally engage our services through a written service agreement. The initial consultation is provided without obligation on either side.

Service Agreement Requirements

Formal engagement of our services requires a written agreement that specifies:

• The specific analytical services to be provided
• The agreed-upon fees and payment terms
• Expected timeline and delivery schedule
• Confidentiality provisions and data handling protocols
• Any specific limitations or disclaimers applicable to the engagement

Your Responsibilities as a Client

When engaging our services, you agree to:

• Provide accurate and complete information necessary for the analysis
• Respond to requests for clarification or additional data in a timely manner
• Honor the agreed payment terms
• Use the analysis results solely for your own decision-making purposes
• Not redistribute or resell our analytical work without explicit permission

Service Availability and Modifications

Website Availability

We strive to maintain continuous availability of our website, but we cannot guarantee uninterrupted access. The website may be temporarily unavailable due to maintenance, updates, technical issues, or circumstances beyond our control. We will endeavor to provide advance notice of planned maintenance when feasible.

Service Modifications and Updates

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time. This includes changes to service offerings, pricing structures, website features, and analytical methodologies. We will provide reasonable notice of material changes that affect existing service agreements.

Geographic and Access Restrictions

Our services are primarily offered to clients in the United Kingdom and may not be available or appropriate for individuals in all jurisdictions. We make no representation that our services comply with regulations in other countries. If you access our website from outside the UK, you are responsible for compliance with local laws.

Intellectual Property Rights

Our Content and Materials

All content on this website, including text, graphics, logos, analysis methodologies, and software, is the property of Equinox Ledger or its content suppliers and is protected by UK and international copyright laws. This includes:

• Proprietary analytical frameworks and methodologies
• Educational content and case study materials
• Website design, layout, and user interface elements
• Software tools and calculators provided on the website

Limited License for Personal Use

We grant you a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes. You may not copy, modify, distribute, sell, or lease any part of our services or content without explicit written permission. Any unauthorized use terminates this license.

Analysis Reports and Work Product

When we provide analytical services, you receive the right to use the resulting analysis reports for your own decision-making purposes. However, the underlying methodologies, frameworks, and analytical approaches remain our intellectual property. You may not use our work product to create competing services or share it publicly without permission.

Trademarks

Equinox Ledger and our logo are trademarks. You may not use these marks without prior written consent. Other product and company names mentioned on our website may be trademarks of their respective owners.

Payment Terms and Refund Policy

Service Fees and Payment

Service fees are specified in individual service agreements and may vary based on the scope and complexity of the analytical work required. Payment terms will be clearly outlined in your service agreement.

We accept payment via bank transfer or other methods as specified in your agreement. All fees are stated in British Pounds (£) unless otherwise indicated. You are responsible for any bank fees or transfer charges associated with payments.

Cancellation and Refund Policy

If you wish to cancel a service engagement, the refund available depends on the stage of work:

• Cancellation before work begins: Full refund minus any administrative costs
• Cancellation during analysis phase: Partial refund based on work completed
• Cancellation after delivery: No refund available

Specific cancellation terms will be detailed in your service agreement.

Professional Standards and Limitations

Nature of Services

Our services focus on quantitative analysis and objective assessment of financial information. We provide analytical perspective to support your decision-making but do not make investment recommendations or provide personalized financial advice. You remain responsible for all financial decisions based on our analysis.

Professional Conduct

We maintain professional standards in all our work and adhere to the CFA Institute Code of Ethics and Standards of Professional Conduct. We approach each engagement with objectivity, integrity, and diligence. However, our analysis represents professional judgment based on the information provided and our methodological frameworks.

No Guarantee of Outcomes

We cannot guarantee specific financial outcomes or results from implementing any insights gained through our analysis. Financial markets and personal circumstances are inherently uncertain, and past performance does not predict future results. Our work provides perspective and analytical framework but cannot eliminate financial risk or uncertainty.

Governing Law and Jurisdiction

These Terms of Service are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these terms or your use of our services shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Dispute Resolution

In the event of any disagreement or dispute, we encourage open communication to reach an amicable resolution. If informal resolution is not possible, both parties agree to seek resolution through the appropriate courts in England and Wales.

Severability and Entire Agreement

If any provision of these Terms of Service is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the remaining terms continue in full force and effect.

These Terms of Service, together with our Privacy Policy and any specific service agreement, constitute the entire agreement between you and Equinox Ledger regarding your use of our website and services, superseding any prior agreements or understandings.

Updates to Terms of Service

We may revise these Terms of Service periodically to reflect changes in our practices, legal requirements, or service offerings. When we make material changes, we will update the "Last updated" date at the top of this page and may provide additional notice through our website. Your continued use of our services after such changes constitutes acceptance of the revised terms.

Our Address