Terms of Service

1. Acceptance of Terms

By accessing or using SBI Growth Advisory's website, services, or products, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Copyright and Intellectual Property

All content, materials, and intellectual property on this website are owned by SBI Growth Advisory, Inc. and protected by copyright laws.

Permitted Use

• You may download one copy of materials for personal or internal business use only
• You must retain all copyright and proprietary notices
• Content may not be used for commercial purposes without written permission

Prohibited Activities

• Copying, reproducing, or redistributing site materials
• Modifying or creating derivative works
• Using content for commercial purposes without authorization
• Removing copyright or proprietary notices

3. User Submissions

By submitting content to our website or services, you grant SBI Growth Advisory a perpetual, worldwide, royalty-free license to use, reproduce, modify, and distribute such content for any purpose, now or in the future.

Prohibited Submissions

You may not submit content that:

• Is threatening, defamatory, or harassing
• Contains illegal materials or promotes illegal activities
• Infringes on intellectual property rights
• Contains advertising or promotional materials
• Includes false or misleading statements
• Contains viruses or malicious code

4. No Professional Advice

The information provided on this website is for general informational purposes only and does not constitute professional advice. You should not rely on this information as a substitute for professional consultation tailored to your specific situation.

5. Disclaimer of Warranties

This website and all services are provided "AS IS" without warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Warranties regarding accuracy, reliability, or completeness of content
• Warranties that the service will be uninterrupted or error-free
• Warranties that defects will be corrected

6. Limitation of Liability

To the maximum extent permitted by law, SBI Growth Advisory's total liability for any claims arising from your use of this website or services shall not exceed one dollar ($1).

We 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.

7. Indemnification

You agree to indemnify, defend, and hold harmless SBI Growth Advisory, its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorney's fees) arising from:

• Your use of our website or services
• Your violation of these Terms of Service
• Your violation of any rights of another party
• Your submission of content to the website

8. Third-Party Links

Our website may contain links to third-party websites. These links are provided for convenience only and do not constitute an endorsement. We are not responsible for the content, accuracy, or practices of linked websites.

9. Service Modifications

We reserve the right to modify, suspend, or discontinue any aspect of our website or services at any time without notice. We may also restrict access to certain features or portions of the website without liability.

10. Copyright Infringement

If you believe content on our website infringes your copyright, please provide written notification containing:

• Identification of the copyrighted work
• Identification of the infringing material
• Your contact information
• A statement of good faith belief
• A statement of accuracy under penalty of perjury
• Your physical or electronic signature

Send DMCA notices to: copyright@sbigrowth.com

11. Governing Law and Jurisdiction

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

You agree that any legal action or proceeding arising from these terms shall be brought exclusively in the state or federal courts located in Georgia, and you consent to the personal jurisdiction of such courts.

12. Severability

If any provision of these Terms of Service is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

13. Entire Agreement

These Terms of Service constitute the entire agreement between you and SBI Growth Advisory regarding your use of our website and services, superseding any prior agreements.

14. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting. Your continued use of our services after changes are posted constitutes acceptance of the modified terms.

15. Contact Information

For questions about these Terms of Service, please contact us: