Terms of Service

1. Nature of the Website

The information provided on this website is for general informational purposes only and does not constitute investment advice, business commitments, or legal opinions of any kind.

2. Intellectual Property

All content on this website, including but not limited to:

• •Text
• •Design
• •Graphics
• •Code

3. User Conduct

is owned by or licensed to SELAPHUS LTD and is protected by applicable intellectual property laws. No individual or organization may copy, modify, or distribute without written permission. You agree that when using this website:

• •You will not engage in any illegal activities
• •You will not attempt unauthorized access to systems or data
• •You will not interfere with the normal operation of the website

4. Products and Services Description

Products mentioned on the website (including but not limited to Spendemic) may still be in development, and their features, characteristics, and release dates may change. We make no commitments regarding the availability or performance of any future products.

5. Disclaimer

This website is provided "as is." We do not guarantee the completeness or accuracy of information, continuous availability of the website, or that content will not change. To the extent permitted by law, we are not liable for any direct or indirect losses arising from the use of this website.

6. External Links

This website may contain links to third-party websites. We are not responsible for the content or privacy practices of these websites.

7. Terms Changes

We reserve the right to update these terms at any time. The updated terms will be posted on this page.

8. Governing Law

These terms are governed by the laws of England and Wales.