Terms and Conditions

1. Introduction

These Terms and Conditions outline the rules and regulations for using the corporate website of CIK FINANCIAL LTD ("CIK FINANCIAL", "we", "us", or "our"). The website, available at https://cik-financial.site/, serves as the central hub for our brand, corporate information, communications, and digital engagement with clients, partners, investors, and prospective employees.

The website provides access to information about our mortgage consulting, property financing, financial planning, and advisory services, as well as sections such as About, Services, Team, Consulting, Investments, Careers, Case Studies, News (where applicable), and Contact Us. It may also include interactive features such as inquiry forms, downloadable resources, and newsletter subscriptions.

By using this website, you acknowledge that the information provided is for general information purposes only and is not intended to replace personalized financial, investment, tax, or legal advice. You should consult qualified professionals before making decisions based on any information obtained from this website.

2. Acceptance of Terms

By accessing, browsing, or otherwise using the CIK FINANCIAL LTD website, you confirm that you have read, understood, and agree to be bound by these Terms and Conditions, as well as any additional terms and policies referenced herein, including our Privacy Policy.

If you do not agree with any part of these Terms and Conditions, you must discontinue using this website immediately. Continued use of the website following any changes to these Terms and Conditions will constitute your acceptance of those changes.

You acknowledge that use of certain sections of the website or specific online services (such as career application portals or subscription forms) may be subject to additional or supplemental terms, which will be presented to you at the point of use. In the event of a conflict between these Terms and any supplemental terms, the supplemental terms will govern for the relevant service.

3. Intellectual Property Rights

Unless otherwise stated, all content and materials available on the CIK FINANCIAL LTD website are the exclusive property of CIK FINANCIAL LTD or are used under valid license. This includes, without limitation:

• Text, articles, case studies, service descriptions, and insights;
• Logos, trademarks, service marks, and trade names associated with CIK FINANCIAL LTD;
• Graphics, icons, images, videos, and other visual media;
• Website layout, design, structure, and user interface elements;
• Software, code, and technical components supporting website operation.

All rights are reserved. You are granted a limited, non-exclusive, non-transferable, and revocable license to access and view the content on this website for your personal or internal business use only, subject to these Terms and Conditions.

You may not, without prior written consent from CIK FINANCIAL LTD:

• Copy, reproduce, modify, publish, distribute, transmit, or publicly display any website content, in whole or in part, except as permitted by applicable law;
• Use any trademarks, service marks, or logos belonging to CIK FINANCIAL LTD in a manner that implies endorsement or affiliation without authorization;
• Create derivative works based on website content or incorporate such content into other materials or digital properties.

4. User Obligations

When you access or use the CIK FINANCIAL LTD website, you agree to comply with the following obligations and responsibilities:

4.1 Accuracy of information

You agree to provide information that is accurate, complete, and up to date when you submit inquiries, request consultations, apply for roles via the Careers page, subscribe to newsletters, or use any interactive features. You are responsible for promptly updating any information you have provided that becomes inaccurate or outdated.

4.2 Prohibited activities

You must not use the website, or any content or services provided through it, to:

• Engage in any unlawful, fraudulent, or malicious activity;
• Upload, transmit, or distribute any material that is harmful, offensive, defamatory, discriminatory, or otherwise objectionable;
• Attempt to gain unauthorized access to any part of the website, its systems, or related networks;
• Interfere with or disrupt the integrity, performance, or security of the website or related systems;
• Use automated tools (such as bots, crawlers, or scrapers) to access or collect information from the website beyond what is necessary for legitimate search engine indexing;
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity.

4.3 Security and integrity

You are responsible for taking reasonable steps to protect your own devices and systems from viruses, malware, or other harmful components when using this website. You must not introduce any code, file, or program that could damage or compromise the operation of the website or other users' access.

5. Service Use and Restrictions

The CIK FINANCIAL LTD website may provide access to various digital tools, features, and resources, including but not limited to financial information pages, inquiry and contact forms, downloadable materials, newsletter subscriptions, and case studies available through sections such as Services, Consulting, Investments, Case Studies, and Contact Us.

5.1 Permitted use

You may use these tools and resources solely for lawful purposes and in connection with:

• Evaluating CIK FINANCIAL LTD's services for personal or organizational needs;
• Submitting genuine inquiries or requests for information via the Contact Us page;
• Exploring career opportunities and submitting legitimate applications via the Careers section;
• Accessing and downloading resources that we intentionally make available for download for informational or internal business purposes.

5.2 No professional advice

Any tools, calculators, case studies, or illustrative scenarios provided on the website are for informational and educational purposes only. They are not intended to constitute, and should not be relied upon as, professional financial, investment, tax, legal, or other regulated advice. Decisions should not be made solely on the basis of information obtained from this website without seeking appropriate professional input.

5.3 Restrictions on automated and commercial use

Except as expressly authorized in writing by CIK FINANCIAL LTD, you may not:

• Use this website or its content for commercial resale, redistribution, or to provide a competing service;
• Systematically extract data or content from the website, including through automated means;
• Frame, mirror, or otherwise incorporate any part of this website into another website or digital service.

6. Privacy and Data Protection

CIK FINANCIAL LTD is committed to protecting the privacy and confidentiality of personal data collected through this website. Our data collection and processing practices are described in detail in our Privacy Policy, which forms an integral part of these Terms and Conditions.

By using the website and providing personal information via forms on the Contact Us, Services, or Careers pages, or any other interactive features, you consent to the collection, use, and disclosure of your personal data in accordance with the Privacy Policy and applicable data protection laws.

We may use your information to respond to inquiries, assess suitability for services or roles, improve our digital experience, and provide relevant updates or communications where you have opted in. You may have rights under applicable privacy laws, including rights of access, rectification, or deletion of your personal data, which can typically be exercised by contacting us via the Contact Us page.

7. Limitation of Liability

While CIK FINANCIAL LTD strives to ensure that the information and content on this website are accurate, up to date, and reliable, the website and its contents are provided on an "as is" and "as available" basis. To the fullest extent permitted by law, we make no warranties, representations, or guarantees, express or implied, regarding the website, its content, or any services or features accessed through it.

Without limiting the generality of the foregoing, CIK FINANCIAL LTD does not warrant that:

• The website will be uninterrupted, secure, or error-free;
• Defects will be corrected promptly;
• The website or its servers are free of viruses or other harmful components;
• The information or content provided is complete, accurate, or suitable for your particular circumstances.

To the maximum extent permitted by applicable law, CIK FINANCIAL LTD, its directors, officers, employees, and representatives shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages, including without limitation loss of profits, revenue, data, goodwill, or business opportunities, arising out of or in connection with:

• Your use of, or inability to use, the website or any of its features;
• Reliance on any information or content obtained from the website, including case studies or illustrative examples;
• Any errors, omissions, interruptions, defects, delays, or technical failures affecting the website;
• Unauthorized access to or alteration of your transmissions or data.

Nothing in these Terms and Conditions excludes or limits any liability that cannot be excluded or limited under applicable law.

8. Third-Party Links

The CIK FINANCIAL LTD website may contain links to third-party websites, platforms, or resources, including but not limited to regulatory bodies, partners, professional organizations, or information sources relevant to our mortgage finance and advisory activities.

These links are provided for your convenience and informational purposes only. CIK FINANCIAL LTD does not endorse, control, or assume responsibility for:

• The content, accuracy, or availability of third-party websites;
• The privacy practices, terms of use, or security measures implemented by third parties;
• Any products, services, or offerings promoted or provided through third-party sites.

When you follow a link to a third-party website, you do so at your own risk. We encourage you to carefully review the terms and conditions and privacy policies of any external sites that you visit.

9. Modifications to Terms

CIK FINANCIAL LTD reserves the right to amend, update, or otherwise modify these Terms and Conditions at any time, at our sole discretion, without prior notice. Changes may reflect updates to our services, legal or regulatory requirements, or improvements to the website experience.

Any such modifications will become effective upon publication of the updated Terms and Conditions on this page, with the "Last updated" date revised accordingly. Your continued use of the website after any changes have been posted constitutes your acceptance of the revised Terms and Conditions.

If you do not agree to the updated Terms and Conditions, you should discontinue use of the website and its online services. For clarity on how updates may affect your use of specific sections, you may contact us via the Contact Us page.

10. Governing Law and Dispute Resolution

These Terms and Conditions, and any non-contractual obligations arising out of or in connection with them, shall be governed by and construed in accordance with the laws of the jurisdiction in which CIK FINANCIAL LTD is legally established and primarily operates (the "Relevant Jurisdiction").

In the event of any dispute, controversy, or claim arising out of or relating to your use of the website, these Terms and Conditions, or any services referenced herein, the parties shall first seek to resolve the matter amicably through good faith negotiations.

If an amicable resolution cannot be reached within a reasonable period, the dispute shall be subject to the exclusive jurisdiction of the competent courts of the Relevant Jurisdiction, unless mandatory law requires otherwise. By using this website, you agree to submit to the personal jurisdiction of such courts for the purpose of litigating any such disputes.

If you have questions regarding these Terms and Conditions, you may reach out to us via the Contact Us page, where you can submit an inquiry and request further clarification.