Effective Date: [27 January 2026]
Company: P&N Progress Consulting and Training Services Ltd
Website: [Insert Website URL]

By using this website, you agree to the following terms:

1. Use of Website

You agree to use the website responsibly and legally. Prohibited activities include:

• Fraudulent, illegal, or harmful conduct
• Interference with website functionality
• Unauthorized copying or distribution of content
  
  

2. Intellectual Property

All content, logos, and materials are owned by P&N Progress Consulting and Training Services Ltd. No part may be used without our express permission.

3. User Accounts

Some services may require registration. You are responsible for maintaining your account confidentiality.

4. Disclaimers

The website and services are provided “as is.” We do not guarantee complete accuracy, reliability, or uninterrupted access.

5. Limitation of Liability

We are not liable for indirect, incidental, or consequential damages arising from website use.

6. Governing Law

These terms are governed by the laws of Cyprus, Europe, and any disputes will be resolved in Cypriot courts.

7. Changes

We may revise terms; continued use indicates acceptance.