Terms and Conditions

1. Acceptance of Terms

By accessing this website or using any service offered by IMCT+, you confirm that you have read, understood, and agree to be bound by these Terms and Conditions, along with our Privacy Policy. If you do not agree with any part of these terms, you should discontinue use of the site immediately.

2. Description of Services

IMCT+ provides data-driven analysis, informational content, and predictive modelling tools intended to support household financial planning decisions. The information and outputs provided through our services are general in nature and are not a substitute for individualised professional, financial, tax, or legal advice.

3. No Financial Advice

Nothing on this website constitutes financial, investment, tax, or legal advice. All content, calculations, projections, and reports are provided for general informational purposes only. You should consult a licensed financial advisor or other qualified professional before making decisions based on any information obtained through IMCT+.

4. User Responsibilities

You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of, restrict, or inhibit anyone else's use of the site. You are responsible for maintaining the confidentiality of any account credentials and for all activity that occurs under your account.

5. Accuracy of Information

While IMCT+ makes reasonable efforts to ensure that information presented on this website is accurate and up to date, we make no warranties or representations, express or implied, regarding the completeness, reliability, or accuracy of such information. Data outputs, forecasts, and figures may change over time and should not be relied upon as definitive.

6. Intellectual Property

All content on this website, including text, graphics, logos, layouts, and software, is the property of IMCT+ or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from any part of this website without prior written consent.

7. Third-Party Links

This website may contain links to third-party websites or resources. IMCT+ is not responsible for the content, accuracy, or practices of any linked external sites, and inclusion of such links does not imply endorsement.

8. Limitation of Liability

To the fullest extent permitted by applicable law, IMCT+ shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of, or inability to use, this website or its services, including but not limited to reliance on any information, projections, or content provided.

9. Service Availability

We aim to keep this website and its services available at all times but do not guarantee uninterrupted access. IMCT+ reserves the right to suspend, withdraw, or restrict access to all or part of the website for business or operational reasons without prior notice.

10. Changes to These Terms

IMCT+ reserves the right to update or modify these Terms and Conditions at any time. Changes will take effect immediately upon posting to this page. Continued use of the website following any changes constitutes acceptance of the revised terms.

11. Termination

We reserve the right to suspend or terminate your access to our services at our discretion, without notice, if we believe you have violated these Terms and Conditions or engaged in conduct that may harm IMCT+, other users, or third parties.

12. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which IMCT+ operates, without regard to conflict of law principles. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the applicable courts.

13. Severability

If any provision of these Terms and Conditions is found to be unlawful, void, or unenforceable, that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.

14. Contact

If you have questions regarding these Terms and Conditions, please reach out via the contact details provided on our Contact page.

This document is a general template and does not constitute legal advice. IMCT+ recommends consulting a qualified legal professional to ensure these terms meet all applicable regulatory requirements for your jurisdiction and business model.