1. Acceptance of these Terms

These Terms of Service (the “Terms”) govern your access to and use of the AnchorPoint Business Advisors Ltd website, including its pages, content, contact channels, enquiry forms, consultation request features, and any downloadable or informational materials made available through the website.

By accessing, browsing, or using the website, you agree to be bound by these Terms and by our Privacy Policy and Cookie Policy, where applicable. If you do not agree, you should not use the website.

If you are using the website on behalf of a company, institution, or other organization, you represent that you are authorized to act on its behalf and to bind that organization to these Terms to the extent applicable.

2. About the Website

The website is operated by AnchorPoint Business Advisors Ltd and is intended to provide information about our business, our services, our industry insights, and the ways in which prospective or existing clients may contact us.

The website is for informational, educational, and business development purposes. It is intended to help users understand our capabilities in areas such as compliance, risk management, AML/CFT advisory, data protection and privacy, governance, operational resilience, and cybersecurity, and to request further information or a consultation.

Nothing on the website should be interpreted as a promise that every service described is available in every jurisdiction, for every user, or under every regulatory regime.

3. Changes to the Website and the Terms

We may update, revise, suspend, or discontinue any part of the website at any time, with or without notice, including content, service descriptions, articles, contact methods, or technical functionality.

We may also amend these Terms from time to time. Updated Terms will become effective when posted on the website or on the date stated in the updated version. Your continued use of the website after updated Terms are posted constitutes acceptance of the revised Terms.

You are responsible for reviewing the Terms periodically to remain aware of any changes.

4. Eligibility and Permitted Use

You may use the website only for lawful purposes and only in a manner consistent with these Terms.

You agree to use the website for legitimate personal, professional, or business purposes, such as learning about our services, reading our content, contacting us, subscribing to updates, or requesting a consultation.

You must not use the website in any way that could damage, disable, overburden, impair, interfere with, or compromise the website, its security, its users, or our business operations.

5. No Professional Relationship Created by Website Use

Your use of the website, including sending a message through the contact form, requesting a consultation, subscribing to updates, downloading materials, or receiving a response from us, does not by itself create a client, advisory, fiduciary, contractor, solicitor-client, or other formal professional relationship between you and AnchorPoint.

A formal professional relationship is created only when both parties enter into a separate written engagement letter, service agreement, statement of work, or equivalent contract approved by AnchorPoint.

Until such a written engagement is in place, any communications through the website are preliminary and informational in nature.

6. Informational Content Only; No Legal, Regulatory, or Professional Advice

The content on this website is provided for general information only. It is intended to offer high-level insight into regulatory, compliance, risk, governance, privacy, and cybersecurity topics.

The website content does not constitute legal advice, regulatory advice tailored to your specific situation, tax advice, investment advice, audit assurance, or any other form of professional advice on which you should rely without obtaining advice specific to your circumstances.

Because regulatory obligations differ by industry, product, jurisdiction, licensing status, business model, and factual context, you should not treat website content as a substitute for tailored professional advice.

Any reliance you place on website content is at your own risk.

7. Consultation Requests and Enquiries

The website may allow you to submit enquiries, request a consultation, or otherwise contact us through a form, email link, telephone number, or related feature.

Submitting a consultation request or enquiry does not guarantee that AnchorPoint will accept an engagement, respond within a particular timeframe, or provide services to you.

We reserve the right to decline, defer, or not respond to enquiries, including where the request falls outside our scope, presents conflicts, lacks sufficient information, raises legal or ethical concerns, or is not aligned with our business priorities.

You should not send highly sensitive, confidential, regulated, classified, or urgent information through a general website contact form unless we have expressly asked you to do so through an appropriate and secure channel.

8. User Information and Accuracy

If you submit information through the website, you agree that the information you provide will be true, accurate, current, complete, and not misleading.

You are responsible for ensuring that any contact details, company details, and other information you provide are accurate and up to date.

We may rely on the information you submit when assessing whether and how to respond to your request.

9. Acceptable Use Restrictions

You must not use the website to upload, post, send, transmit, or otherwise make available any material that is unlawful, fraudulent, defamatory, obscene, abusive, threatening, infringing, misleading, malicious, or otherwise objectionable.

You must not attempt to gain unauthorized access to the website, our servers, our systems, other user accounts, administrative areas, or related networks.

You must not probe, scan, test, or circumvent the security or vulnerability of the website or any related system without our prior written permission.

You must not introduce malware, spyware, ransomware, viruses, trojans, worms, logic bombs, or any other harmful code or disruptive material.

You must not use automated tools, scraping tools, bots, crawlers, harvesting techniques, or mass-download methods to extract, index, reproduce, or monitor website content, except to the extent permitted by applicable law or by standard public search indexing practices.

You must not impersonate another person or organization, misrepresent your affiliation, or submit information on behalf of another person without proper authority.

You must not use the website in a way that violates applicable law, regulation, sanctions restrictions, intellectual property rights, privacy rights, or contractual obligations.

10. Intellectual Property Rights

Unless otherwise stated, the website and all content on it, including text, graphics, branding, logos, icons, page layouts, design elements, articles, compilations, downloads, and other materials, are owned by or licensed to AnchorPoint and are protected by applicable intellectual property and proprietary rights laws.

You may view, download, or print limited portions of website content for your own personal, internal business, or non-commercial informational use, provided that you do not remove any copyright, trademark, or proprietary notices and do not modify the material in a misleading way.

You may not reproduce, distribute, publish, adapt, frame, republish, commercially exploit, create derivative works from, or otherwise use website content for public or commercial purposes without our prior written consent, except as expressly permitted by applicable law.

All trademarks, service marks, logos, and brand names displayed on the website remain the property of their respective owners.

11. Feedback and Submitted Materials

If you send us suggestions, comments, ideas, questions, proposals, feedback, or other non-confidential submissions through the website, you agree that we may review and use them for legitimate business purposes without any obligation to compensate you, provided that doing so does not violate confidentiality obligations we have expressly accepted in writing.

If you provide materials to support an enquiry or consultation request, you represent that you have the right to provide those materials and that doing so does not breach confidentiality, privacy, contract, employment, regulatory, or intellectual property obligations.

We do not assume responsibility for reviewing submitted materials for legal sufficiency, confidentiality sensitivity, or privilege status unless and until we agree to do so as part of a formal engagement.

12. Privacy and Cookies

Our collection and use of personal information through the website are described in our Privacy Policy. Our use of cookies and similar technologies is described in our Cookie Policy or cookie notice where provided.

By using the website, you acknowledge that personal information may be collected and processed in accordance with those notices and with applicable law.

It is your responsibility to review those notices before submitting personal information through the website.

13. Third-Party Links, Tools, and Platforms

The website may contain links to third-party websites, plug-ins, social media platforms, booking tools, analytics services, or other external resources. These are provided for convenience only.

We do not control and are not responsible for the availability, content, security, privacy practices, accuracy, legality, or functionality of third-party sites or services.

Accessing third-party links or tools is done at your own risk. You should review the third party’s own terms, privacy notices, and other relevant documents before using their services or submitting information to them.

14. Availability and Technical Performance

We aim to keep the website available and functioning properly, but we do not guarantee that the website will always be available, uninterrupted, error-free, secure, or free from harmful components.

The website may become unavailable, delayed, incomplete, or limited due to maintenance, upgrades, internet disruptions, third-party outages, hosting failures, force majeure events, cyber incidents, software defects, or other causes beyond our reasonable control.

We may perform maintenance, updates, and technical changes at any time without liability for resulting downtime or disruption.

15. Disclaimers

The website is provided on an “as is,” “as available,” and “with all faults” basis to the fullest extent permitted by law.

To the fullest extent permitted by applicable law, AnchorPoint disclaims all express, implied, statutory, and other warranties, representations, and conditions relating to the website and its content, including implied warranties of accuracy, completeness, merchantability, non-infringement, satisfactory quality, title, fitness for a particular purpose, and freedom from viruses or harmful code.

We do not warrant that the website content will always be current, complete, suitable for your objectives, or free from typographical, technical, or legal interpretation errors.

Nothing in these Terms excludes any warranty or legal right that cannot lawfully be excluded under applicable law.

16. Limitation of Liability

To the fullest extent permitted by law, AnchorPoint, its affiliates, directors, officers, employees, contractors, agents, licensors, and service providers will not be liable for any indirect, incidental, special, exemplary, punitive, or consequential loss or damage arising out of or in connection with your use of, inability to use, or reliance on the website or its content.

This includes, without limitation, loss of profit, loss of business, loss of data, loss of opportunity, loss of goodwill, business interruption, system failure, cyber loss, reputational harm, or the cost of substitute services, even if advised of the possibility of such loss.

Nothing in these Terms excludes or limits liability where exclusion or limitation is prohibited by law.

17. Indemnity

You agree to indemnify, defend, and hold harmless AnchorPoint, its affiliates, directors, officers, employees, contractors, agents, licensors, and service providers from and against any claims, actions, proceedings, liabilities, losses, damages, judgments, costs, and expenses, including reasonable legal fees, arising out of or related to:

your breach of these Terms;

your misuse of the website;

your violation of any law, regulation, sanctions restriction, or third-party right;

information, content, materials, or instructions you submit through the website; or

your unauthorized use of website content, systems, or intellectual property.

18. Suspension or Restriction of Access

We may suspend, restrict, or terminate your access to all or any part of the website at any time, with or without notice, if we reasonably believe that you have breached these Terms, created risk for us or other users, engaged in unlawful conduct, attempted to compromise the website, or acted in a way that is inconsistent with the intended purpose of the website.

Suspension or termination of access does not limit any other rights or remedies available to us.

19. Compliance with Laws and International Use

You are responsible for ensuring that your use of the website complies with all laws, regulations, and restrictions applicable to you in your location.

The website may be accessed from multiple jurisdictions, but we make no representation that website content is appropriate, lawful, or available for use in every country or sector. Users who access the website from outside the primary operating jurisdictions do so on their own initiative and are responsible for local compliance.

Where mandatory consumer or privacy laws apply in your jurisdiction, nothing in these Terms is intended to override rights that cannot legally be excluded.

20. Governing Law and Dispute Resolution

These Terms and any dispute or claim arising out of or in connection with them or the website shall be governed by and construed in accordance with the laws of Nigeria and Canada, without regard to conflict of laws principles.

21. Severability

If any provision of these Terms is found by a court or competent authority to be unlawful, invalid, or unenforceable, that provision shall be deemed severed to the minimum extent necessary, and the remaining provisions will continue in full force and effect.

22. Waiver

No failure or delay by AnchorPoint in exercising any right, remedy, power, or privilege under these Terms shall operate as a waiver of that right or remedy, nor shall any single or partial exercise prevent any further exercise of it.

23. Entire Agreement for Website Use

These Terms, together with any documents expressly incorporated by reference such as our Privacy Policy and Cookie Policy, constitute the entire agreement between you and AnchorPoint regarding your use of the website.

They do not replace or modify any separate written contract between you and AnchorPoint for professional services. Where a separate written engagement exists, that engagement will govern the services relationship and will prevail over these Terms to the extent of any inconsistency.

24. Contact Information

If you have questions about these Terms or about the website, you may contact AnchorPoint using the contact details published on the website.