Terms of Service

1. Introduction

Welcome to Spear Consultants Ltd. ("we," "our," or "us"). By accessing or using our website at spearltd.com (the "Site") or any services offered by Spear Consultants, you agree to be bound by these Terms of Service ("Terms").

2. Services

Spear Consultants provides consulting services related to public funding and evaluations for golf courses and other income-producing properties. Our services may include feasibility studies, market analyses, financial projections, and funding assistance.

3. Use of the Website

You agree to use our website only for lawful purposes and in a manner that does not infringe upon or restrict the rights of others. You are prohibited from:

• Using the Site in any way that violates applicable laws or regulations
• Attempting to interfere with the proper functioning of the Site
• Engaging in any activity that disrupts or diminishes the quality of our services
• Attempting to gain unauthorized access to any portion of the Site or any systems or networks connected to the Site

4. Intellectual Property

All content on the Site, including text, graphics, logos, images, and software, is the property of Spear Consultants or its content suppliers and is protected by United States and international copyright laws. The compilation of all content on the Site is the exclusive property of Spear Consultants and is protected by U.S. and international copyright laws.

5. Disclaimer of Warranties

THE SITE AND ALL SERVICES PROVIDED BY SPEAR CONSULTANTS ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

6. Limitation of Liability

IN NO EVENT SHALL SPEAR CONSULTANTS, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS, BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SITE OR SERVICES.

7. Indemnification

You agree to defend, indemnify, and hold harmless Spear Consultants, its officers, directors, employees, and agents, from and against any claims, liabilities, damages, losses, and expenses, including, without limitation, reasonable legal and accounting fees, arising out of or in any way connected with your access to or use of the Site or services.

8. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of North Carolina, without regard to its conflict of law provisions. Any dispute arising from these Terms shall be resolved in the courts of North Carolina.

9. Changes to Terms

We reserve the right to modify these Terms at any time. We will provide notice of any material changes by posting the updated Terms on this page with a new effective date. Your continued use of the Site after such modifications will constitute your acknowledgment of the modified Terms.

10. Contact Information

If you have any questions about these Terms, please contact us at info@spearltd.com.

Last Updated: May 9, 2025

Privacy Policy

1. Introduction

Spear Consultants Ltd. ("we," "our," or "us") respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website spearltd.com or use our consulting services.

2. Information We Collect

2.1 Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Complete forms on our website
• Contact us via email or our contact form
• Subscribe to our newsletter
• Request information about our services

This information may include:

• Name
• Email address
• Company name
• Project details
• How you heard about us

2.2 Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device, including:

• IP address
• Browser type
• Operating system
• Pages visited
• Time and date of your visit
• Referring website

3. How We Use Your Information

We use the information we collect for various purposes, including to:

• Provide, maintain, and improve our services
• Respond to your inquiries and fulfill your requests
• Send administrative information, such as updates to our terms and policies
• Deliver marketing communications that may be of interest to you
• Analyze website usage to enhance user experience
• Protect against fraudulent or unauthorized activity

4. Disclosure of Your Information

We may share your information in the following situations:

• With service providers who perform services on our behalf
• To comply with legal obligations
• To protect and defend our rights and property
• With your consent or at your direction

5. Data Security

We implement appropriate technical and organizational measures to protect the security of your personal information. However, please be aware that no method of transmission over the Internet or electronic storage is 100% secure.

6. Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information, including:

• The right to access your personal information
• The right to correct inaccurate information
• The right to request deletion of your information
• The right to restrict or object to processing
• The right to data portability

To exercise these rights, please contact us using the information provided in the "Contact Us" section below.

7. Third-Party Links

Our website may contain links to third-party websites. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

8. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided us with personal information, please contact us.

9. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date.

10. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us at:

Email: info@spearltd.com

Last Updated: May 9, 2025