Terms of Use

Terms of Use Effective Date: June the 1st 2025 Welcome to [www.kbngconsulting.com] (the “Site”), operated by KB&G Consulting (“KB&G,” “we,” “our,” or “us”). By accessing or using this Site, you agree to be bound by the following Terms of Use (“Terms”). If you do not agree to these Terms, please do not use the Site. 1. Website Purpose This Site is intended for professional and informational purposes related to KB&G’s consulting, operations, and software innovation services. It provides insights about our offerings, sectors served, and ways to engage with our team. 2. Permitted Use You agree to use the Site only for lawful purposes, in a manner that does not infringe on the rights of, restrict, or inhibit anyone else’s use of the Site. Prohibited conduct includes: - Attempting to gain unauthorized access to Site systems - Introducing malicious code or conducting denial-of-service attacks - Scraping or automated extraction of data without express permission 3. Intellectual Property All materials on the Site—including design, logos, text, graphics, and downloadable files—are the property of KB&G or used under appropriate license. These materials may not be reproduced, distributed, or modified without our prior written consent. Permitted usage includes: - Sharing of blog content or insights with proper attribution - Referencing our services in professional or academic settings, with clear acknowledgment 4. No Warranties The content on this Site is provided “as is” for general informational purposes only. We make no representations or warranties regarding: - The completeness or accuracy of information presented - The suitability of any content for a particular use - The uninterrupted or error-free operation of the Site All use of content is at your own risk. 5. Links to Other Websites The Site may contain links to third-party websites. KB&G is not responsible for the content, accuracy, or practices of these external sites. We encourage you to review the terms of use of any third-party site you visit. 6. No Professional Relationship Your use of the Site or submission of inquiries through contact forms does not constitute a consulting relationship with KB&G. Any service engagement must be formalized through a signed agreement outlining terms, scope, and deliverables. 7. Changes to the Site We reserve the right to update or modify the content and structure of the Site at any time without notice. This includes the right to revise these Terms. Continued use of the Site after any changes constitutes acceptance of the updated Terms. 8. Limitation of Liability To the extent permitted by law, KB&G disclaims liability for any damages or losses resulting from: - Site access interruptions - Reliance on content provided - Security breaches outside our reasonable control 9. Governing Law These Terms are governed by the laws of Estonia. Any disputes arising in relation to the Site will be subject to the exclusive jurisdiction of the courts of that region. 10. Contact Us For questions about these Terms, please contact: KB&G Consulting Email: julia@kbngconsulting.com www.kbngconsulting.com