Terms and Conditions of Use

Welcome to Stema Consult. By accessing or using our website at https://www.stemaconsult.com (“Site”), you agree to be bound by these Terms and Conditions. Please read these terms carefully. If you do not agree to these terms, please do not use our Site.

Acceptance of Terms

By accessing or using our Site, you confirm that you are over the age of 18 and agree to comply with these Terms and Conditions, our Privacy Policy, and all applicable laws and regulations. We reserve the right to update or modify these terms at any time without prior notice. It is your responsibility to periodically review these terms to stay informed of updates.

Use of Site

  • Permitted Use: You may use our Site for lawful purposes only. You agree not to use the Site in any way that could damage, disable, or impair the Site or interfere with any other party’s use.
  • Restricted Use: You may not engage in any activity that:
    • Violates any applicable laws, regulations, or terms of service.
    • Infringes on our or third parties’ intellectual property rights.
    • Contains any viruses, malware, or harmful code.
    • Is fraudulent, deceptive, or misleading.

Intellectual Property Rights

  • Ownership: All content on this Site, including but not limited to text, graphics, logos, images, audio clips, video, software, and code, is the property of Stema Consult or its content suppliers and is protected by international copyright, trademark, and other intellectual property laws.
  • License: You are granted a limited, non-exclusive, non-transferable, and revocable license to access and use our Site for personal, non-commercial use. This does not include any resale, reproduction, or distribution of our content without our express written permission.

User-Generated Content

  • Submissions: Any comments, reviews, feedback, or other content that you post, upload, or submit to the Site (“User Content”) will remain your property, but you grant us a worldwide, non-exclusive, royalty-free, and perpetual license to use, display, reproduce, and distribute your User Content on the Site.
  • Restrictions: You may not submit any User Content that:
    • Violates any law, regulation, or third-party rights.
    • Is obscene, defamatory, offensive, or harassing.
    • Contains personal information of others without consent.

Third-Party Links

Our Site may contain links to third-party websites. These links are provided for your convenience only and do not imply our endorsement of the content or services on these sites. We are not responsible for the practices or content of linked websites and encourage you to review their terms of service and privacy policies.

Disclaimer of Warranties

  • Site Availability: We strive to ensure the Site is available at all times, but we do not guarantee that the Site will be uninterrupted, secure, or error-free.
  • Content Accuracy: While we aim to provide accurate and up-to-date information, we make no warranties regarding the accuracy, reliability, or completeness of any information on the Site.
  • No Warranty: The Site and all content are provided “as-is” without any warranties, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

Limitation of Liability

To the fullest extent permitted by law:

  • No Liability for Damages: Stema Consult and its affiliates, directors, employees, or agents will not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from or in connection with your use of the Site.
  • Cap on Liability: In jurisdictions that do not allow the exclusion or limitation of liability, our liability will be limited to the maximum extent permitted by applicable law.

Indemnification

You agree to indemnify and hold harmless Stema Consult, its affiliates, employees, and agents from any claims, losses, damages, or expenses (including legal fees) arising from your use of the Site, any User Content you provide, or your breach of these Terms and Conditions.

Privacy Policy

Your privacy is important to us. Our Privacy Policy, which describes how we collect, use, and protect your information, is an integral part of these Terms and Conditions. By using the Site, you consent to the practices described in our Privacy Policy.

Termination

We reserve the right to terminate or restrict your access to the Site at any time, without notice or liability, if we believe you have violated these Terms and Conditions or any applicable law.

Miscellaneous

  • Entire Agreement: These Terms and Conditions, along with our Privacy Policy, constitute the entire agreement between you and Stema Consult regarding your use of the Site.
  • Severability: If any provision of these terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.
  • Waiver: Our failure to enforce any right or provision of these Terms and Conditions will not be deemed a waiver of those rights.

Contact Us

If you have any questions or concerns about these Terms and Conditions, please contact us at:

Stema Risk Management
inquiries@stemaconsult.com
+84 0347 578 261

Thank you for visiting Stema Consult. We appreciate your interest and look forward to assisting you.