Effective Date: June 12, 2025

These Terms of Service (“Terms”) govern your access to and use of the Pholus Advisory website, operated by Pholus Advisory, an entity governed under the laws of the State of Arizona (“we,” “us,” or “our”). By accessing or using this website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you should not access or use this site.

1. Use of the Website

This website is intended for users who are at least 18 years old. By using this site, you represent that you meet this age requirement. You agree not to use the website for any unlawful or abusive purpose, including but not limited to:

• Submitting unsolicited advertising or spam
• Engaging in harassing, threatening, or offensive behavior
• Attempting to gain unauthorized access to any portion of the website or its systems

2. Informational Purpose Only

All content on this site is for general informational purposes only. Nothing on this website constitutes professional, legal, financial, or other advice. Use of any information provided on this website is solely at your own risk.

3. Future Products and Services

Pholus Advisory may offer digital products or downloadable materials in the future. Unless otherwise specified, these products will be covered by a 30-day money-back guarantee. This guarantee does not apply to any consulting or advisory services.

4. Intellectual Property

All content, branding, and design elements on this website are the property of Pholus Advisory unless otherwise noted. Unauthorized use, reproduction, or distribution of any materials from this site is strictly prohibited.

5. Third-Party Data Collection

By using this website, you acknowledge and agree that third-party advertising networks may collect certain information about your visit through cookies or similar tracking technologies. We do not control these third-party networks, and their use of your information is governed by their respective privacy policies.

6. Limitation of Liability

Pholus Advisory makes every effort to ensure the accuracy of information presented on this site but does not guarantee it. We will not be held liable for any loss, damage, or disruption caused by reliance on this information, errors, omissions, or from the use or inability to use the website.

7. Modifications to These Terms

We may update these Terms from time to time. Continued use of the site following any changes means you accept those changes. We recommend reviewing this page periodically for updates.

8. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to conflict of law principles. Any disputes arising from the use of this site shall be resolved in the appropriate courts of Arizona.

Final Remarks

If you have any questions about these Terms, please contact us through the information provided on the site.