Terms of Service

1. Acceptance of Terms

By accessing or using the Moon Beyond Skies Advisory website (the "Site") or engaging our services, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Site or our services.

2. Services

Moon Beyond Skies Advisory, operated by Moonyen Policarpio, provides Finance Advisory and Business Consulting services. The specific terms of any engagement, including fees, deliverables, and timelines, will be set forth in a separate engagement letter or service agreement.

3. Website Use

You agree to use this Site only for lawful purposes and in a manner that does not infringe the rights of others or restrict their use of the Site. You may not:

• Use the Site to transmit any unlawful, harassing, or harmful content
• Attempt to gain unauthorized access to any part of the Site or its associated systems
• Scrape, copy, or reproduce content from the Site without prior written consent

4. Not Financial or Legal Advice

Content published on this Site, including blog articles and insights, is provided for informational and educational purposes only. It does not constitute professional financial, legal, tax, or investment advice. You should consult with a qualified professional regarding your specific situation before making financial or business decisions.

5. Intellectual Property

All content on this Site — including text, graphics, logos, and other materials — is the property of Moon Beyond Skies Advisory and is protected by applicable copyright and intellectual property laws. You may not reproduce or distribute content without written permission.

6. Limitation of Liability

To the maximum extent permitted by applicable law, Moon Beyond Skies Advisory shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of this Site or our services. Our total liability shall not exceed the amounts paid by you to us in the preceding three months.

7. Disclaimer of Warranties

The Site and its content are provided "as is" without any warranties of any kind, express or implied. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

8. Changes to Terms

We reserve the right to update these Terms at any time. The updated date at the top of this page will reflect any changes. Continued use of the Site after changes constitutes your acceptance of the revised Terms.

9. Governing Law

These Terms shall be governed by the laws of the State of [Your State], without regard to its conflict of law principles. [Update with applicable jurisdiction.]

10. Contact

If you have questions about these Terms, please contact us at hello@moonbeyondskies.com.