Terms of Use

1. Purpose

These terms of use (the "Terms") set out the rules for accessing and using the website, content and tools provided by AccruThrift (the "Service"). By accessing the Service, you confirm that you have read, understood and agree to be bound by these Terms in full.

2. Acceptance of these terms

By using the Service, the user accepts these Terms in full. If the user does not agree to be bound by these Terms, they should not access or use the Service. AccruThrift may amend these Terms at any time, with any changes taking effect as soon as they are published on this page.

3. Service Description

AccruThrift offers content, analysis and decision-support tools for information purposes only. They do not constitute personalised advice, an investment recommendation or any guarantee of outcomes. Users remain solely responsible for any decisions they make based on the information they consult.

4. Accessing the Service

AccruThrift uses reasonable endeavours to maintain continuous access to the Service, but does not guarantee uninterrupted availability. The Service may be suspended, interrupted or changed, in whole or in part, including for maintenance, updates or events beyond its reasonable control, without AccruThrift incurring any liability as a result.

5. User account

Where an account is needed, users must provide accurate, current information and keep their login details confidential. Any activity carried out through an account will be treated as having been authorised by the account holder. AccruThrift may suspend or close an account if these Terms are breached.

6. Permitted use

You agree to use the Service in accordance with applicable law and these Terms. In particular, you must not:

• reproduce, copy or distribute any content without prior authorisation;
• try to access AccruThrift's systems or data without authorisation;
• use the Service for any fraudulent or misleading purpose, or in any way that breaches applicable regulations;
• interfere with, or attempt to interfere with, the normal operation of the Service.

7. Intellectual property

All components of the Service, including text, graphics, logos, structures and databases, are protected by applicable intellectual property rights and remain the exclusive property of AccruThrift or its licensors. Users are granted no licence or right of use beyond the access and viewing rights strictly required for normal use of the Service.

8. No financial advice is provided

The content, analysis and data provided through the Service are not investment advice, nor do they constitute a solicitation or offer to buy or sell financial instruments. Users are solely responsible for any decisions made in reliance on this information and should consider seeking advice from a suitably qualified professional before making any binding decision.

9. Limitation of liability

To the fullest extent permitted by applicable law, AccruThrift shall not be liable for any direct or indirect damage, loss of data, financial loss, or other harm arising from use of the Service, or from any inability to use it, including where information is inaccurate, incomplete, or unavailable.

10. Links to third-party websites

The Service may include links to third-party websites or resources. AccruThrift does not control these sites and is not responsible for their content, availability or any consequences arising from their use.

11. Termination

Where these Terms are breached, AccruThrift may, at its discretion and without notice or compensation, suspend or end access to the Service. Users may stop using the Service at any time.

12. Governing law and jurisdiction

[To be completed: state the governing law and competent jurisdiction in line with AccruThrift's place of registration and applicable legal obligations.]

13. Contact

If you have any questions about these Terms, please use the contact details provided on the AccruThrift website.