Terms of Service

Introduction and Acceptance

Welcome to Zaimu-kan. These Terms of Service govern your access to and use of our website, services, and any related content or materials we provide. By accessing or using our website, you agree to be bound by these Terms.

If you do not agree with any part of these Terms, you should not use our website or services. We reserve the right to modify these Terms at any time, and your continued use after such modifications constitutes acceptance of the updated Terms.

These Terms should be read in conjunction with our Privacy Policy and Cookie Policy, which provide additional information about how we handle your data.

Service Usage and Access

1. Permitted Use

Our website and services are provided for informational purposes regarding our financial advisory offerings. You may use our website to:

• Learn about our financial advisory services and expertise
• Contact us with inquiries about potential engagements
• Access publicly available information about financial topics
• Review our philosophy and approach to financial advisory

2. Prohibited Uses

You agree not to use our website or services for any purpose that is unlawful or prohibited by these Terms. Specifically, you may not:

• Attempt to gain unauthorized access to any portion of our website or systems
• Use automated systems or software to extract data from our website (scraping)
• Interfere with or disrupt the operation of our website or servers
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity
• Transmit any viruses, malware, or other harmful code
• Use our services for any fraudulent or illegal purpose
• Violate any applicable local, national, or international law

3. Service Access Requirements

To access certain features of our website or to engage our services, you may need to:

• Provide accurate and complete information in contact forms
• Maintain the confidentiality of any account credentials
• Accept our use of cookies and similar technologies as described in our Cookie Policy
• Have a reliable internet connection and compatible browser

4. Fair Usage Guidelines

We ask that you use our website responsibly and considerately. Excessive requests, automated queries, or activities that place undue burden on our systems may result in temporary or permanent restriction of access.

Account and Access Management

1. Account Creation

While general website access does not require account creation, if we offer account-based features in the future:

• You must provide accurate and truthful information during registration
• You are responsible for maintaining the security of your account credentials
• You must be at least 18 years of age to create an account
• Each account is for individual use and may not be shared

2. Account Security Responsibilities

You are responsible for all activities that occur under your account. You agree to:

• Keep your login credentials confidential and secure
• Notify us immediately of any unauthorized access or security breach
• Accept responsibility for any actions taken using your account
• Log out from your account at the end of each session when using shared devices

3. Account Suspension and Termination

We reserve the right to suspend or terminate your access to our website or services at our discretion, without prior notice, if:

• You violate these Terms of Service
• Your account is used for fraudulent or illegal activities
• We are required to do so by law or legal authority
• Continued provision of services to you would create a legal liability for us

You may also request account closure or data deletion at any time by contacting us.

Service Availability and Modifications

1. Service Uptime and Maintenance

We strive to maintain reliable access to our website and services. However, we do not guarantee uninterrupted availability and reserve the right to:

• Perform scheduled maintenance and upgrades
• Temporarily suspend services for technical improvements
• Address security vulnerabilities or system issues

We will make reasonable efforts to minimize service disruptions and provide advance notice when feasible.

2. Feature Availability

The features and functionality available through our website may vary over time. We reserve the right to add, modify, or discontinue features at our discretion without liability to you.

3. Geographic Restrictions

Our services are primarily intended for users in Japan. While our website may be accessible from other locations, certain features or services may be restricted based on your geographic location or applicable law.

4. Service Modifications and Updates

We continuously work to improve our website and services. Changes may include updates to content, features, pricing, or terms. Material changes will be communicated through website notices or direct communication when appropriate.

Intellectual Property Rights

1. Content Ownership

All content on our website, including text, graphics, logos, images, and software, is the property of Zaimu-kan or our licensors and is protected by copyright, trademark, and other intellectual property laws.

2. Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes. This license does not include the right to:

• Reproduce, duplicate, copy, or resell any part of our website
• Modify or create derivative works from our content
• Use our content for commercial purposes without written permission
• Remove or alter any copyright or proprietary notices

3. User-Generated Content

If you submit content to us through contact forms, comments, or other means, you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, and display that content in connection with our services.

4. Copyright and Trademark Notices

The Zaimu-kan name and logo are trademarks of our company. Unauthorized use of our trademarks or other intellectual property is strictly prohibited and may violate copyright, trademark, and other laws.

Disclaimers and Limitations

1. Information Provided

The information on our website is provided for general informational purposes only. While we strive for accuracy, we make no representations or warranties about the completeness, reliability, or accuracy of this information.

2. Not Financial Advice

Content on our website does not constitute specific financial, investment, legal, or tax advice. Any information provided should not be relied upon as a substitute for professional advice tailored to your specific circumstances.

3. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of service of these external sites. Accessing third-party websites is at your own risk.

4. Service "As Is"

Our website and services are provided on an "as is" and "as available" basis without warranties of any kind, 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 maximum extent permitted by applicable law, Zaimu-kan and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:

• Your access to or use of or inability to access or use our website or services
• Any conduct or content of any third party on our website
• Unauthorized access, use, or alteration of your transmissions or content
• Any other matter relating to our services

This limitation applies regardless of whether we have been advised of the possibility of such damages.

Indemnification

You agree to indemnify, defend, and hold harmless Zaimu-kan, its affiliates, officers, directors, employees, agents, licensors, and suppliers from and against all losses, expenses, damages, and costs, including reasonable attorneys' fees, resulting from:

• Your violation of these Terms of Service
• Your violation of any rights of another party
• Your access to or use of our website or services
• Any content you submit, post, or transmit through our website

Governing Law and Jurisdiction

These Terms of Service shall be governed by and construed in accordance with the laws of Japan, without regard to its conflict of law provisions.

Any disputes arising from or relating to these Terms or your use of our services shall be subject to the exclusive jurisdiction of the courts located in Tokyo, Japan.

Dispute Resolution

In the event of any dispute, claim, or controversy arising from or relating to these Terms or our services, we encourage you to contact us first to seek resolution informally.

If informal resolution is not possible, disputes will be resolved through binding arbitration in accordance with the commercial arbitration rules applicable in Japan, unless otherwise agreed by both parties.

General Provisions

1. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

2. Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Zaimu-kan regarding the use of our website and services.

3. Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. Any waiver must be in writing and signed by an authorized representative.

4. Assignment

You may not assign or transfer these Terms or your rights and obligations under these Terms without our prior written consent. We may assign these Terms without restriction.

5. Terms Modification Policy

We reserve the right to modify these Terms at any time. We will provide notice of material changes by updating the "Last Updated" date and, when appropriate, through website notifications or direct communication. Your continued use of our services after changes take effect constitutes acceptance of the modified Terms.

Questions About These Terms

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