Terms of Service

1. Acceptance of terms

By accessing or using harmabiben.com (the "Website"), you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, please do not use the Website.

2. Nature of our content

harmabiben publishes general, educational content about business finance topics such as financial statements, cash flow, and pricing. Content is intended to help readers understand concepts and terminology, not to direct any individual business decision.

Nothing on this Website constitutes financial, investment, tax, accounting, or legal advice, and it should not be relied upon as such. You should consult a qualified professional before making any business or financial decision.

3. No paid products or services

harmabiben does not sell, broker, or promote any financial product, software, account, subscription, or paid service of any kind. Any resemblance between our informational content and a commercial offer is unintentional, and we encourage you to contact us if you believe otherwise.

4. Acceptable use

You agree to use the Website only for lawful purposes. You must not attempt to interfere with the proper functioning of the Website, gain unauthorised access to it, or use automated means to extract content at scale without our prior written permission.

5. Intellectual property

Unless otherwise noted, the text, layout, and design of this Website are owned by harmabiben and protected by applicable intellectual property laws. You may read and share links to our content for personal, non-commercial purposes. Reproducing substantial portions of our content elsewhere without permission is not permitted.

6. Third-party links

Our content may link to third-party websites for reference. We do not control and are not responsible for the content, accuracy, or practices of any third-party website, and inclusion of a link does not imply endorsement.

7. Disclaimer of warranties

The Website and its content are provided "as is" without warranties of any kind, express or implied. While we take care to keep information accurate and current, we do not guarantee that all content is free of errors or fully up to date at all times.

8. Limitation of liability

To the extent permitted by law, harmabiben shall not be liable for any indirect, incidental, or consequential loss arising from your use of, or reliance on, the Website or its content, including any business decision made based on information found here.

9. Changes to these terms

We may revise these Terms of Service from time to time. Updates will be posted on this page with a revised "last updated" date. Continued use of the Website after changes are posted constitutes acceptance of the revised terms.

10. Governing law

These Terms of Service are governed by the laws of Switzerland, without regard to its conflict of law provisions, unless otherwise required by mandatory local law applicable to you.

11. Contact us

Questions about these Terms of Service can be sent to info@harmabiben.com.