ADVACT provides professional business advisory, financial, analytical, valuation, due diligence, business intelligence, and related services.

ADVACT may also offer digital products including dashboards, templates, models, reports, analytical tools, downloadable files, and other digital resources.

The specific scope, price, delivery method, and expected timeline of each product or service may be described on the relevant product page, proposal, quotation, order confirmation, or engagement document.

You may use the ADVACT website only for lawful purposes.

You agree not to:

• Use the website for fraudulent or unlawful activity.
• Attempt to gain unauthorized access to the website, systems, accounts, or databases.
• Interfere with the security, functionality, or performance of the website.
• Introduce malicious software, viruses, scripts, or harmful code.
• Copy, scrape, reproduce, or systematically extract website content without authorization.
• Misrepresent your identity, company, authority, or business information.

ADVACT reserves the right to restrict or suspend access where misuse, fraud, security risks, or violations of these Terms are identified.

Certain services or digital products may require the customer to create an account.

You are responsible for:

• Providing accurate information.
• Maintaining the confidentiality of your login credentials.
• Keeping your account information updated.
• Preventing unauthorized access to your account.
• All activity carried out using your account credentials.

You should notify ADVACT promptly if you believe your account has been compromised.

ADVACT may suspend or terminate accounts that contain false information, are used improperly, or violate these Terms.

ADVACT may provide services including, but not limited to:

• Business Advisory
• Business Valuation
• Business Validation
• Due Diligence
• Financial Advisory
• Management Advisory
• Business Performance Intelligence
• Financial Models
• Research and Analysis
• Dashboards
• Templates
• Business Tools
• Customized Reports
• Consulting Services

The availability, price, features, and scope of products and services may change from time to time.

ADVACT may modify, replace, discontinue, or update products or services where reasonably necessary.

Professional services provided by ADVACT are based on the agreed scope of work and the information made available by the customer.

The customer agrees to provide complete, accurate, and timely information reasonably required to perform the requested service.

ADVACT is entitled to rely on information and documents provided by the customer unless otherwise agreed.

ADVACT is not responsible for delays, inaccuracies, incomplete analysis, or additional costs resulting from:

• Missing information.
• Incorrect information supplied by the customer.
• Delayed customer responses.
• Changes in customer instructions.
• Third-party delays.
• Events outside ADVACT's reasonable control.

Any delivery time displayed on the website or communicated to the customer is based on the expected scope and required information being available.

Delivery timelines may be affected by:

• Complexity of the assignment.
• Availability and quality of customer information.
• Changes to the agreed scope.
• Delays in approvals or customer feedback.
• Technical issues.
• Third-party dependencies.

Where a specific delivery commitment forms part of an agreed proposal or engagement, the terms of that proposal or engagement will apply.

Digital products may include dashboards, financial models, templates, spreadsheets, reports, analytical tools, presentations, files, or other downloadable materials.

A purchase grants the customer a limited right to use the digital product for the customer's own personal or internal business purposes.

Unless ADVACT provides written permission, the customer may not:

• Resell the digital product.
• Distribute or share it publicly.
• Upload it to another marketplace.
• Sell copies or modified copies.
• Sub-license it.
• Make it available for download by third parties.
• Claim ownership or authorship of ADVACT content.
• Remove ADVACT copyright, branding, or ownership notices where applicable.

Purchase of a digital product does not transfer intellectual property ownership to the customer.

Unless otherwise stated in writing, digital products purchased from ADVACT are licensed for use by the purchasing individual or organization.

The customer may use the purchased material internally for normal business purposes.

Use on behalf of multiple unrelated companies, resale to customers, redistribution, commercial licensing, or incorporation into another product offered for sale requires written authorization from ADVACT.

All intellectual property rights associated with the ADVACT website, brand, digital products, tools, dashboards, methodologies, templates, reports, models, website content, graphics, designs, and materials remain the property of ADVACT or the applicable rights holder.

These rights may include:

• Copyright
• Trademark rights
• Database rights
• Proprietary methodologies
• Confidential know-how
• Business models
• Templates
• Analytical frameworks
• Software and digital tools

Nothing in these Terms transfers ownership of such intellectual property to the customer unless expressly agreed in writing.

Where ADVACT prepares a customized report, valuation, analysis, model, or other deliverable for a specific customer, the customer may use that deliverable for the purpose for which it was commissioned.

Unless otherwise agreed in writing, ADVACT retains ownership of its:

• Underlying methodologies.
• Templates.
• Analytical frameworks.
• Calculation structures.
• Models.
• General know-how.
• Pre-existing intellectual property.

Customer confidential information remains subject to applicable confidentiality obligations.

Prices may be displayed in one or more currencies.

The final amount payable will be shown during the purchase process, quotation process, or engagement confirmation.

The customer is responsible for reviewing the total price before completing payment.

Prices may be changed at any time for future purchases.

A price change will not normally affect an order that has already been accepted and paid, unless the original price resulted from an obvious technical or pricing error.

Where prices are displayed or paid in different currencies, exchange rates may be applied by:

• Payment providers.
• Card issuers.
• Banks.
• Payment gateways.
• Financial institutions.

ADVACT is not responsible for exchange-rate differences, foreign transaction fees, bank charges, or currency conversion fees imposed by third parties.

Prices may be subject to applicable taxes, duties, or government charges depending on the transaction, jurisdiction, customer location, and applicable law.

Where legally required, applicable taxes may be added to the purchase price.

Customers are responsible for any tax obligations that apply to them unless otherwise required by law.

By submitting payment information, you confirm that:

• You are authorized to use the selected payment method.
• The payment information provided is accurate.
• You authorize the applicable payment provider to process the transaction.

ADVACT may delay or reject an order where payment verification fails or where fraud or unauthorized activity is suspected.

Refunds and cancellations are governed by the ADVACT Refund & Cancellation Policy.

Because ADVACT provides both downloadable digital products and customized professional services, refund eligibility may depend on:

• The type of product or service.
• Whether a digital product has been accessed or downloaded.
• Whether professional work has started.
• The amount of work already completed.
• Whether the final deliverable has already been provided.

Customers should review the Refund & Cancellation Policy before purchasing.

The customer is responsible for:

• Reviewing product descriptions before purchasing.
• Selecting the correct product or service.
• Providing complete and accurate information.
• Reviewing assumptions used in any analysis.
• Informing ADVACT of material errors or changes.
• Ensuring that purchased products are suitable for the customer's intended use.
• Maintaining appropriate backups of downloaded products and deliverables.

ADVACT may use financial statements, forecasts, management information, commercial data, customer assumptions, and other information provided by the customer.

Unless specifically agreed otherwise, ADVACT does not independently audit or verify all information supplied by the customer.

The quality and reliability of any analysis may therefore depend on the quality, completeness, and accuracy of the information provided.

ADVACT provides professional analysis, advice, tools, information, and decision-support services.

However, business decisions involve uncertainty.

ADVACT does not guarantee:

• Profitability.
• Investment returns.
• Financing approval.
• Business growth.
• Acquisition success.
• Sale of a business.
• Specific valuation outcomes.
• Regulatory approval.
• Commercial performance.
• Future financial results.

Any forecasts, projections, scenarios, valuations, estimates, or recommendations may depend on assumptions and information available at the relevant time.

Actual results may differ materially.

Business valuations may depend on financial information, assumptions, market conditions, methodologies, forecasts, industry data, customer information, and professional judgment.

A valuation represents an opinion or estimate based on the agreed methodology and available information.

It should not automatically be interpreted as:

• A guaranteed sale price.
• A guaranteed investment value.
• A guaranteed market transaction price.
• An offer to buy or sell.
• Investment advice.
• A guarantee of future company performance.

Due diligence services are performed within the agreed scope.

ADVACT is not responsible for information that:

• Was concealed.
• Was unavailable.
• Was inaccurate.
• Was outside the agreed scope.
• Could not reasonably have been identified from the information provided.

Customers remain responsible for making their own final commercial, financial, investment, or legal decisions.

Unless expressly stated in writing, information available through the ADVACT website or digital products is provided for general business and informational purposes.

It should not automatically be treated as:

• Legal advice.
• Tax advice.
• Investment advice.
• Audit assurance.
• Regulatory approval.
• Investment solicitation.

Where appropriate, customers should obtain advice from qualified legal, tax, accounting, investment, or regulatory professionals.

ADVACT may use information obtained from publicly available sources, industry databases, research providers, government data, or other third-party sources.

While reasonable efforts may be made to use reliable sources, ADVACT does not guarantee that all third-party information is complete, current, or error-free.

Where customers provide non-public business, commercial, operational, financial, or strategic information, ADVACT will take reasonable steps to protect the confidentiality of such information.

Confidential information may be disclosed where necessary:

• To authorized personnel or contractors involved in providing the service.
• To professional advisers.
• To service providers supporting ADVACT operations.
• Where required by applicable law, regulation, court order, or government authority.

Specific confidentiality obligations agreed in a separate written agreement will take priority where applicable.

Collection and processing of personal data is governed by the ADVACT Privacy Policy.

Customers are encouraged to review the Privacy Policy before providing personal or business information.

The website may rely on third-party services such as:

• Payment processors.
• Hosting providers.
• Analytics providers.
• Cloud infrastructure.
• Email services.
• Technology platforms.

ADVACT is not responsible for temporary interruptions, technical failures, or actions of third-party service providers that are outside ADVACT's reasonable control.

The ADVACT website may contain links to third-party websites.

Such links are provided for convenience or informational purposes.

ADVACT does not control and is not responsible for:

• Third-party website content.
• Third-party privacy practices.
• Third-party products or services.
• Third-party security.
• Transactions carried out on external websites.

ADVACT aims to keep the website available and functional but does not guarantee uninterrupted access.

The website may become temporarily unavailable due to:

• Maintenance.
• Technical issues.
• Security updates.
• Hosting problems.
• Internet outages.
• Third-party service interruptions.
• Events beyond our reasonable control.

To the maximum extent permitted by applicable law, ADVACT will not be liable for indirect, incidental, special, consequential, or purely economic losses arising from the use of the website, products, or services.

This may include losses relating to:

• Lost profits.
• Lost opportunities.
• Loss of business.
• Loss of expected savings.
• Loss of data.
• Business interruption.
• Decisions made based on forecasts or estimates.

Nothing in these Terms excludes liability that cannot legally be excluded under applicable law.

ADVACT will not be responsible for delay or failure to perform obligations caused by events outside its reasonable control.

Such events may include:

• Natural disasters.
• Government action.
• War or civil disturbance.
• Internet or telecommunications failures.
• Power outages.
• Cybersecurity incidents.
• Banking or payment system failures.
• Public health emergencies.
• Major system outages.

Where reasonably possible, ADVACT will take appropriate steps to minimize the effect of such events.

ADVACT reserves the right to:

• Reject transactions.
• Request additional verification.
• Suspend customer accounts.
• Cancel orders.
• Restrict website access.

This may occur where ADVACT reasonably suspects fraud, unauthorized payment activity, abuse, security risks, or violation of these Terms.

ADVACT may improve, modify, replace, or discontinue features, products, tools, dashboards, or services.

Changes will generally apply prospectively and will not remove rights already granted to customers in relation to completed purchases unless required for legal, security, or technical reasons.

ADVACT may update these Terms & Conditions from time to time.

The latest version will be published on the website with an updated effective date.

Continued use of the website after changes become effective may constitute acceptance of the revised Terms where permitted by applicable law.

These Terms & Conditions are governed by the applicable laws of the jurisdiction in which ADVACT operates, subject to any mandatory consumer protection or other legal requirements that may apply.

Any dispute should first be raised with ADVACT so that both parties may attempt to resolve the matter in good faith.

Where a dispute cannot be resolved amicably, it may be referred to the competent courts in accordance with applicable law.

If any part of these Terms is determined to be invalid, unlawful, or unenforceable, the remaining provisions will continue to remain valid and enforceable to the maximum extent permitted by law.

These Terms, together with any applicable:

• Privacy Policy
• Refund & Cancellation Policy
• Proposal
• Quotation
• Engagement Letter
• Order Confirmation

form the agreement between the customer and ADVACT relating to the relevant product or service.

Where a separately signed agreement contains different terms, the signed agreement will prevail for that specific engagement.

For questions regarding these Terms & Conditions, please contact:

ADVACT

Building 5158, Elmeerag City Behind Carrefour El Maadi Cairo, Egypt

Email: info@advact.com

Phone: 002 02 27300232