Terms of Service

1. Service Agreement

Strategic Intelligence Platform

By using our Strategic Intelligence Platform, you agree to:

• Provide accurate information during assessments
• Use the platform for legitimate business purposes only
• Respect intellectual property rights
• Maintain confidentiality of assessment content

Assessment Services

Our assessment services include:

• Individual Pillar Analysis: Targeted strategic intelligence for specific transformation areas
• Complete Intelligence Suites: Yearly subscriptions with ongoing strategic support
• 48-Hour Delivery: Strategic intelligence reports within 48 hours
• ACII-Qualified Analysis: Expert insights from qualified professionals
• Implementation Roadmaps: Actionable recommendations and next steps

2. Pricing & Payment Terms

Yearly Intelligence Suites

Payment Terms

• Payment required before assessment delivery
• Yearly suites billed annually with quarterly review checkpoints
• Accepted payment methods: Bank transfer, corporate credit cards
• All prices exclude VAT (added for UK clients)
• Consultancy credit applied to future engagements

3. Intellectual Property Rights

Our Proprietary Content

The following remain our exclusive intellectual property:

• Strategic assessment methodologies and frameworks
• Question databases and scoring algorithms
• Industry-specific analysis templates
• Benchmark data and comparative insights
• Software platform and user interface
• Ongoing strategic support methodologies

Your Content Rights

• You retain ownership of all data provided during assessments
• Generated reports and insights become your property
• We maintain anonymized data for industry benchmarking
• Confidentiality maintained for all client-specific information
• Yearly suite subscribers receive continuous intelligence updates

4. Professional Standards & Qualifications

ACII Qualification Commitment

Our strategic intelligence is delivered by:

• ACII-qualified insurance professionals
• 25+ years combined industry experience
• Continuous professional development
• Professional indemnity insurance coverage

Quality Assurance

• Peer review of all strategic assessments
• Industry-specific quality controls
• Regular methodology updates and improvements
• Client satisfaction monitoring and feedback
• Dedicated consultant support for suite subscribers

5. Confidentiality & Data Handling

Professional Confidentiality

We maintain strict confidentiality regarding:

• All assessment responses and organizational data
• Strategic plans and transformation initiatives
• Financial information and business metrics
• Competitive positioning and market insights
• Ongoing strategic discussions for suite subscribers

Data Security Measures

• SSL encryption for all data transmission
• Secure database storage with access controls
• Regular security audits and monitoring
• GDPR compliance for all data processing
• Enhanced security for yearly suite subscribers

6. Service Limitations & Disclaimers

Assessment Scope

Our strategic intelligence assessments provide:

• Analysis based on information provided during assessment
• Industry benchmarking and comparative insights
• Strategic recommendations and implementation guidance
• Professional opinions based on stated methodologies
• Ongoing strategic support for suite subscribers

Professional Liability

• Recommendations are based on assessment responses provided
• Implementation success depends on organizational execution
• Market conditions may affect strategic recommendations
• Professional indemnity insurance covers our advisory services
• Suite subscribers receive updated guidance as market conditions evolve

7. Cancellation & Refund Policy

Individual Assessment Cancellation

• Before Assessment: Full refund if cancelled before questions are accessed
• During Assessment: Partial completion may result in partial refund
• After Completion: No refunds once strategic intelligence is delivered

Yearly Suite Cancellation

• First 30 Days: Full refund if cancelled within first month
• After 30 Days: Pro-rated refund for unused quarterly periods
• Implementation Phase: Refunds available for unused quarterly reviews

Consultancy Credit Policy

• Assessment fees are fully creditable toward consultancy services
• Suite subscription costs are creditable toward implementation programs
• Credits valid for 12 months from assessment date
• Credits transferable to related engagements or follow-up assessments
• No cash refunds once consultancy credit is applied

8. Governing Law & Dispute Resolution

Jurisdiction

These Terms of Service are governed by English law. Any disputes will be resolved through:

• Primary: Professional mediation and arbitration
• Alternative: English courts jurisdiction
• Professional Standards: ACII professional conduct rules apply
• Suite Subscribers: Dedicated resolution support through account management

Changes to Terms

We may update these terms to reflect service improvements or legal requirements. Significant changes will be communicated via email with 30 days notice. Suite subscribers receive priority notification and consultation on any changes affecting ongoing services.