Terms and Conditions

1. Acceptance of Terms

By accessing or using the TMG Markets website, tools, or any related services (collectively, the "Services"), you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use the Services. These Terms constitute a legally binding agreement between you and TMG Markets.

2. Description of Services

TMG Markets provides software and informational tools designed to support capital planning, predictive analytics, and risk-related decision-making for business users. The Services are provided on an "as is" and "as available" basis. TMG Markets does not guarantee that any output, forecast, or recommendation generated through the Services will be accurate, complete, or suitable for any particular purpose.

3. Eligibility and Account Responsibilities

You must be legally authorised to act on behalf of your organisation to use the Services. You are responsible for maintaining the confidentiality of any account credentials associated with your use of the Services and for all activity that occurs under your account. You agree to notify TMG Markets promptly of any unauthorised use.

4. Acceptable Use

You agree not to misuse the Services, including but not limited to: attempting unauthorised access to any system or data, interfering with the normal operation of the Services, reverse engineering or copying any underlying software, or using the Services for any unlawful purpose. TMG Markets reserves the right to suspend or terminate access for any user found to be in breach of this section.

5. Intellectual Property

All content, software, trademarks, and materials made available through the Services are the property of TMG Markets or its licensors and are protected by applicable intellectual property laws. Nothing in these Terms grants you any ownership rights in the Services; you receive only a limited, non-exclusive, non-transferable licence to use the Services for your internal business purposes.

6. Fees and Payment

Where the Services are offered on a paid basis, applicable fees, billing cycles, and payment terms will be communicated separately at the time of engagement. Unless otherwise stated, fees are non-refundable. Continued use of the Services after a fee change constitutes acceptance of the new fees.

7. Disclaimers

The Services may incorporate predictive models, automated analysis, or third-party data sources. TMG Markets makes no warranty, express or implied, regarding the accuracy, reliability, or completeness of any analysis, forecast, or recommendation provided. Any decisions made based on the Services are made at your own discretion and risk. Nothing in the Services should be construed as financial, legal, tax, or investment advice.

8. Limitation of Liability

To the fullest extent permitted by applicable law, TMG Markets shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or business opportunity arising out of or in connection with your use of, or inability to use, the Services. TMG Markets's total aggregate liability arising from or relating to these Terms shall not exceed the amount, if any, paid by you to TMG Markets in the twelve (12) months preceding the event giving rise to the claim.

9. Indemnification

You agree to indemnify and hold TMG Markets, its officers, employees, and affiliates harmless from any claims, damages, liabilities, and expenses arising out of your use of the Services, your violation of these Terms, or your violation of any rights of a third party.

10. Third-Party Links and Services

The Services may contain links to third-party websites or integrate with third-party tools. TMG Markets does not control and is not responsible for the content, policies, or practices of any third party. Your use of any third-party service is subject to that party's own terms and policies.

11. Termination

TMG Markets may suspend or terminate your access to the Services at any time, with or without notice, for conduct that TMG Markets believes violates these Terms or is harmful to other users, TMG Markets, or third parties. You may discontinue use of the Services at any time.

12. Changes to the Services and Terms

TMG Markets reserves the right to modify, suspend, or discontinue any part of the Services at any time. TMG Markets may also revise these Terms from time to time. Material changes will be reflected by an updated effective date on this page. Continued use of the Services after changes take effect constitutes acceptance of the revised Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which TMG Markets operates, without regard to conflict of law principles. This section is a general placeholder and should be reviewed and finalised according to your specific business location and legal requirements.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

15. Contact

Questions regarding these Terms should be directed through the contact channels made available on the TMG Markets website.

This document is a general template provided for informational purposes and does not constitute legal advice. TMG Markets recommends obtaining independent legal review to ensure compliance with applicable laws before publishing a final version of these Terms.