Terms and Conditions

Welcome to www.therayconsultancy.com ("the Website"). By accessing and using this Website, you agree to comply with and be bound by the following terms and conditions. Please read these terms carefully before using our services. If you do not agree to these terms, you may not use the Website.

1. Acceptance of Terms

By accessing and using this Website, you agree to be bound by these Terms and Conditions, all applicable laws, and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this Website.

2. Changes to Terms

Ray Consultancy reserves the right to modify, alter, or update these terms at any time without prior notice. Your continued use of the Website following any changes signifies your acceptance of the updated terms. Please review these terms periodically.

3. Use of the Website

You agree to use the Website for lawful purposes only. You may not:

• Use the Website in any way that violates any applicable laws or regulations.

• Transmit any unsolicited advertising or promotional materials.

• Interfere with or disrupt the operation of the Website or its servers.

• Attempt to gain unauthorized access to any part of the Website, other accounts, computer systems, or networks connected to the Website.

4. Intellectual Property

All content, including text, graphics, logos, icons, images, audio clips, and software, is the property of Ray Consultancy or its content suppliers and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, display, sell, or modify any content from this Website without our express written permission.

5. Privacy

Your use of this Website is also governed by our Privacy Policy, which outlines how we collect, use, and protect your personal information. Please review our Privacy Policy for more details.

6. Third-Party Links

The Website may contain links to third-party websites that are not owned or controlled by Ray Consultancy. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites. You acknowledge and agree that Ray Consultancy is not responsible for any loss or damage that may result from your use of such third-party websites.

7. Disclaimer of Warranties

Ray Consultancy makes no warranties or representations about the accuracy or completeness of the content on this Website. The Website and its services are provided on an "as-is" and "as available" basis. Ray Consultancy disclaims all warranties, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

8. Limitation of Liability

In no event shall Ray Consultancy or its employees, directors, agents, or partners be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use or inability to use the Website or any content provided therein, even if advised of the possibility of such damages.

9. Indemnification

You agree to indemnify, defend, and hold harmless Ray Consultancy and its affiliates, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses arising from your use of the Website or violation of these Terms and Conditions.

10. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of [Insert Jurisdiction]. Any legal action or proceeding arising under these terms will be brought exclusively in the courts located in [Insert Jurisdiction], and you consent to the jurisdiction of such courts.

11. Termination

Ray Consultancy reserves the right to terminate or suspend your access to the Website, without notice, for conduct that we believe violates these Terms and Conditions or is harmful to other users of the Website or Ray Consultancy.

12. Entire Agreement

These Terms and Conditions, along with the Privacy Policy, constitute the entire agreement between you and Ray Consultancy regarding the use of the Website and supersede any prior agreements between you and Ray Consultancy.

13. Contact Information

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

Ray Consultancy

hello@therayconsultancy.com