Terms and Conditions

Last updated: November 28, 2025

Legal Agreement

These Terms and Conditions constitute a legally binding agreement between you and Caliber Folio regarding your use of our website and professional services. By accessing our website or engaging our services, you acknowledge that you have read, understood, and agree to be bound by these terms.

This agreement governs the relationship between Caliber Folio and our clients, website visitors, and service users. It sets forth the rights, responsibilities, and obligations of all parties involved.

If you do not agree with any provision of these Terms and Conditions, you must immediately discontinue use of our website and refrain from engaging our services. Your continued use constitutes acceptance of these terms as they may be modified from time to time.

User Obligations and Responsibilities

Legal Responsibilities

As a user of our services, you agree to:

Comply with all applicable local, state, national, and international laws and regulations
Provide accurate, truthful, and complete information when engaging our services
Maintain the confidentiality of sensitive business and financial information
Respond promptly to reasonable requests for information or documentation
Notify us immediately of any changes in your business circumstances that may affect our services
Pay all fees and charges in accordance with agreed-upon payment terms

Conduct Requirements

You agree to maintain professional conduct in all interactions with Caliber Folio staff and representatives. This includes:

Communicating respectfully and professionally at all times
Providing timely responses to inquiries and requests for information
Honoring scheduled appointments and meetings or providing reasonable notice of cancellations
Refraining from harassment, discrimination, or abusive behavior
Respecting the professional boundaries of our staff members

Prohibited Activities and Behaviors

The following activities are strictly prohibited:

Using our services for any illegal purpose or in violation of any regulations
Providing false, misleading, or fraudulent information
Attempting to manipulate, deceive, or defraud Caliber Folio or third parties
Engaging in money laundering, tax evasion, or other financial crimes
Violating intellectual property rights, confidentiality obligations, or trade secrets
Interfering with our business operations or relationships with other clients
Reverse engineering, copying, or misappropriating our proprietary methods or systems

Content Guidelines and Restrictions

When submitting information or content to us, you warrant that all materials are lawful, accurate, and do not infringe upon the rights of third parties. You are solely responsible for the content you provide and must ensure it does not contain viruses, malware, or other harmful elements. We reserve the right to refuse or remove any content that violates these terms or our policies.

Age Restrictions and Requirements

Our services are intended for use by individuals who are at least 18 years of age or who have reached the age of majority in their jurisdiction. By using our services, you represent that you meet these age requirements and have the legal capacity to enter into binding contracts. If you are using our services on behalf of a business entity, you represent that you have the authority to bind that entity to these terms.

Liability, Warranties, and Disclaimers

Disclaimer of Warranties

Our services are provided on an "as is" and "as available" basis. While we strive to provide accurate and reliable services, we make no warranties or representations regarding:

The accuracy, completeness, or timeliness of information provided through our services
The uninterrupted or error-free operation of our website or services
The results that may be obtained from using our services
The correction of any errors or defects in our services

To the fullest extent permitted by law, we disclaim all warranties, whether express, implied, statutory, or otherwise, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

Limitation of Liability

To the maximum extent permitted by applicable law, Caliber Folio shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of our services, including but not limited to:

Loss of profits, revenue, or business opportunities
Loss of data or information
Business interruption or downtime
Cost of substitute services or procurement
Damage to reputation or goodwill

Our total liability for any claims arising from or related to our services shall not exceed the fees paid by you to Caliber Folio during the twelve months preceding the claim.

Consequential Damages Exclusion

Under no circumstances shall Caliber Folio be liable for any consequential, indirect, or punitive damages, even if we have been advised of the possibility of such damages. This limitation applies to all causes of action, whether based in contract, tort, negligence, strict liability, or otherwise. Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability for consequential damages, so some of these limitations may not apply to you.

Indemnification Obligations

You agree to indemnify, defend, and hold harmless Caliber Folio, its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from your use of our services, violation of these terms, infringement of any intellectual property or other rights, or any harmful or illegal activities.

Force Majeure Provisions

Caliber Folio shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, labor disputes, government actions, communication failures, or interruptions in utility services. In such events, our obligations shall be suspended for the duration of the force majeure event.

Legal Information and Dispute Resolution

Governing Law and Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the laws of Hong Kong Special Administrative Region, without regard to its conflict of law provisions. Any legal action or proceeding arising out of or related to these terms or our services shall be brought exclusively in the courts of Hong Kong, and you consent to the personal jurisdiction of such courts.

Dispute Resolution Procedures

In the event of any dispute, controversy, or claim arising out of or relating to these terms or our services, the parties agree to first attempt to resolve the matter through good faith negotiations. If negotiations fail to resolve the dispute within 30 days, either party may pursue the following resolution methods:

Mediation by a mutually agreed-upon mediator
Arbitration in accordance with the rules of the Hong Kong International Arbitration Centre
Litigation in the courts of Hong Kong as a last resort

Severability Clause

If any provision of these Terms and Conditions is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable. If modification is not possible, the provision shall be severed from these terms, and the remaining provisions shall continue in full force and effect.

Terms Modification Policy

Caliber Folio reserves the right to modify, amend, or update these Terms and Conditions at any time. We will provide notice of material changes by updating the "Last updated" date at the top of this page and may notify you through other means such as email or a prominent notice on our website. Your continued use of our services after such modifications constitutes your acceptance of the updated terms. We encourage you to review these terms periodically to stay informed of any changes.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and Caliber Folio regarding your use of our services and supersede all prior agreements, understandings, and communications, whether written or oral. No modification or amendment to these terms shall be binding unless made in writing and signed by an authorized representative of Caliber Folio.

Questions or Concerns

If you have any questions, concerns, or require clarification regarding these Terms and Conditions, please contact us using the information provided at the top of this page. We are committed to addressing your inquiries and ensuring you have a clear understanding of your rights and obligations.

For legal matters or formal disputes, please direct your correspondence to our legal department at the address provided above.