Terms of Service

Acceptance of Terms

By accessing and using the PixelHarbor website (pixelharbor.world) or engaging our financial advisory services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, you must not use our website or services. These terms constitute a legally binding agreement between you and PixelHarbor S.L.

Company Information

Services Description

PixelHarbor provides financial advisory services specifically designed for small business owners, including but not limited to:

• Cash flow management guidance and strategies
• Tax planning and optimisation advice
• Business growth financing consultation
• Financial risk management assessment
• Financial analysis and reporting guidance
• Budget planning and control strategies
• Financial team training and education

Our services are advisory in nature and do not constitute formal accounting, legal, or tax preparation services unless specifically agreed upon in writing. We provide guidance and recommendations to help you make informed financial decisions for your business.

User Obligations

When using our website and services, you agree to:

Accurate Information

• Provide accurate, current, and complete information about yourself and your business
• Update information promptly when changes occur
• Notify us immediately of any unauthorised use of your account

Lawful Use

• Use our services only for lawful business purposes
• Comply with all applicable laws and regulations
• Not engage in any activity that could damage or impair our services
• Not attempt to gain unauthorised access to our systems or data

Confidentiality

• Maintain the confidentiality of any proprietary information shared by PixelHarbor
• Use our advice and recommendations solely for your business purposes
• Not share or distribute our proprietary methodologies without permission

Professional Disclaimer

Our financial advisory services are provided for informational and educational purposes. While we strive to provide accurate and helpful guidance, you acknowledge that all business and financial decisions remain your responsibility. We recommend consulting with qualified accountants, lawyers, or other professionals for specific compliance and implementation matters. PixelHarbor does not provide formal accounting services, tax preparation, or legal advice unless specifically contracted for such services.

Intellectual Property

All content on the PixelHarbor website and in our services, including but not limited to text, graphics, logos, images, software, and methodologies, is the property of PixelHarbor S.L. and is protected by Spanish and international copyright laws.

Our Rights

• We retain all rights, title, and interest in our proprietary content and methodologies
• Our trade marks, service marks, and logos are protected intellectual property
• Unauthorised use of our intellectual property is strictly prohibited

Limited Licence

• We grant you a limited, non-exclusive licence to use our website for its intended purpose
• You may use our advice and recommendations for your business operations
• You may not reproduce, distribute, or create derivative works without permission

Payment Terms

For paid services, the following payment terms apply:

• Fees are due as specified in your service agreement or invoice
• Late payments may incur additional charges as permitted by law
• We reserve the right to suspend services for non-payment
• Refunds are provided according to our refund policy as communicated at the time of service purchase
• All fees are exclusive of applicable taxes unless otherwise stated

Limitation of Liability

To the maximum extent permitted by law, PixelHarbor S.L. shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising from:

• Your use or inability to use our services
• Any errors or omissions in our content or advice
• Any business decisions made based on our recommendations
• Any interruption or cessation of our services

Our total liability to you for all claims arising from or related to our services shall not exceed the amount you have paid to PixelHarbor in the twelve months preceding the claim. This limitation applies regardless of the legal theory on which the claim is based.

Indemnification

You agree to indemnify, defend, and hold harmless PixelHarbor S.L., its officers, directors, employees, and agents from and against any claims, damages, losses, costs, and expenses (including reasonable legal fees) arising from your use of our services, violation of these terms, or infringement of any third-party rights.

Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal data is governed by our Privacy Policy, which is incorporated into these terms by reference. By using our services, you consent to our data practices as described in our Privacy Policy.

Termination

Either party may terminate the service relationship at any time with appropriate notice:

Termination by You

• You may terminate services at any time by providing written notice
• Termination does not relieve you of payment obligations for services already provided
• You remain bound by confidentiality obligations after termination

Termination by Us

• We may terminate services for breach of these terms
• We may terminate services with reasonable notice for business reasons
• Immediate termination may occur for serious violations or illegal activity

Governing Law

These Terms of Service are governed by and construed in accordance with the laws of Spain. Any disputes arising from or relating to these terms or our services shall be subject to the exclusive jurisdiction of the courts of Madrid, Spain. If any provision of these terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.

Changes to Terms

We reserve the right to modify these Terms of Service at any time. We will notify you of material changes by posting the updated terms on our website and updating the "Last updated" date. Your continued use of our services after such modifications constitutes your acceptance of the updated terms. We encourage you to review these terms periodically.

Severability

If any provision of these terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be deemed severed from these terms, and the remaining provisions shall continue in full force and effect to the maximum extent permitted by law.

Entire Agreement

These Terms of Service, together with our Privacy Policy and any specific service agreements, constitute the entire agreement between you and PixelHarbor S.L. regarding the use of our services. These terms supersede all prior or contemporaneous communications and proposals, whether oral or written, between you and PixelHarbor.

Contact Information

If you have any questions about these Terms of Service, please contact us: