Terms of Service

Effective Date: December 28, 2025

NOTE: This Terms of Service is provided for informational purposes. We recommend having a qualified attorney review these terms to ensure compliance with all applicable laws and regulations in your jurisdiction.

1. Acceptance of Terms

Welcome to the IVYSH Consulting website ("Website"). These Terms of Service ("Terms") govern your access to and use of the Website and any services provided by IVYSH Consulting ("Company," "we," "us," or "our"). By accessing or using the Website, you agree to be bound by these Terms. If you do not agree to these Terms, do not use the Website.

2. Nature of Services

IVYSH Consulting is a strategic advisory and research firm. We provide consulting, research, and advisory services related to disaster recovery, climate finance, insurance strategy, and related areas.

2.1 What We Do NOT Provide

For the avoidance of doubt, IVYSH Consulting:

Does NOT develop, manufacture, issue, underwrite, sell, or manage any insurance products
Does NOT develop, issue, structure, place, sell, or manage any investment products, securities, or CAT bonds
Does NOT provide investment advice or act as a registered investment advisor
Does NOT act as a broker-dealer or insurance agent/broker
Does NOT provide legal, tax, or accounting advice
Does NOT develop, operate, or manage technology platforms or payment systems

3. No Investment or Insurance Advice

IMPORTANT DISCLAIMER: Nothing on this Website constitutes investment advice, insurance advice, a solicitation to buy or sell securities, an offer of insurance, or a recommendation regarding any financial product. All references to CAT bonds, capital markets, insurance products, and similar topics are for informational and research purposes only. You should consult with qualified, licensed financial, legal, insurance, and tax advisors before making any investment, insurance, or financial decisions.

4. Forward-Looking Statements

The Website may contain forward-looking statements regarding our goals, aspirations, research areas, and potential future developments. These statements are aspirational only and do not constitute guarantees, predictions, or promises of any outcomes. Actual results may differ materially due to numerous factors including market conditions, regulatory changes, partnership developments, and other uncertainties.

5. Intellectual Property

All content on this Website, including text, graphics, logos, images, and software, is the property of IVYSH Consulting or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our prior written consent.

6. User Conduct

By using the Website, you agree not to:

Use the Website for any unlawful purpose
Attempt to gain unauthorized access to any portion of the Website
Interfere with or disrupt the Website's operation
Transmit viruses, malware, or other harmful code
Collect or harvest personal information from other users
Misrepresent your identity or affiliation

7. Disclaimer of Warranties

THE WEBSITE AND ALL CONTENT, INFORMATION, AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY. WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IVYSH CONSULTING AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE WEBSITE OR RELIANCE ON ANY INFORMATION PROVIDED, REGARDLESS OF THE THEORY OF LIABILITY.

IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED ONE HUNDRED DOLLARS ($100) OR THE AMOUNT YOU HAVE PAID TO IVYSH CONSULTING IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, WHICHEVER IS GREATER.

9. Indemnification

You agree to indemnify, defend, and hold harmless IVYSH Consulting and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to your use of the Website, your violation of these Terms, or your violation of any third-party rights.

10. Third-Party Links

The Website may contain links to third-party websites. These links are provided for convenience only. We do not endorse, control, or assume responsibility for the content, privacy policies, or practices of any third-party websites. You access third-party websites at your own risk.

11. No Client Relationship

Visiting the Website or submitting an inquiry through the contact form does not create a client relationship, consulting engagement, or any professional relationship with IVYSH Consulting. A client relationship is only established through a signed engagement agreement or contract.

12. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Delaware.

13. Dispute Resolution

Any dispute arising out of or relating to these Terms or your use of the Website shall first be attempted to be resolved through good-faith negotiation between the parties. If the dispute cannot be resolved through negotiation within thirty (30) days, either party may pursue resolution through the courts as specified in Section 12 above. We recommend consulting with a qualified attorney regarding your specific situation.

14. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and IVYSH Consulting regarding your use of the Website and supersede all prior agreements and understandings.

16. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to the Website with an updated "Effective Date." Your continued use of the Website after changes are posted constitutes acceptance of the modified Terms.

17. Contact Information

If you have questions about these Terms, please contact us at:

IVYSH Consulting
Email: vaibhav@ivysh.com
Website: ivysh.com