Terms of Service
Version 1.0 · Effective 14 June 2026
1. Agreement to these terms
These Terms of Service ("Terms") are a binding agreement between you (and the organisation you represent, if any) and Pavitt Public Finance, LLC ("Pavitt Public Finance", "we", "us"). By checking the acceptance box at checkout, creating an account, or using the service, you agree to these Terms and to the Privacy Policy, which is incorporated by reference. If you are accepting on behalf of an organisation, you confirm you are authorised to bind it.
2. The service
We provide subscription access to IPSAS training ("Drills"), a practitioner reference and question-answering tool ("Desk"), and related materials, through the website at pfmexpert.net. Features, content, and limits depend on the plan you purchase.
3. Nature of the service: information, not professional advice
The service provides information and citations to source material. It is not, and does not provide, audit, assurance, accounting, legal, or certification services, and no answer, citation, or verification result is an audit opinion, assurance opinion, legal opinion, eligibility determination, or compliance certificate. You remain responsible for your own judgements, controls, and filings, and for obtaining qualified professional advice where you need it. Whether a standard or rule is satisfied in a specific case is a matter for you and, where applicable, your auditor or regulator.
4. Accounts and eligibility
You must provide accurate registration information and keep your credentials secure. You are responsible for activity under your account. The service is intended for organisations and professionals and is not directed to children under 13. We may approve, decline, suspend, or close accounts in line with our user-administration policy.
5. Subscriptions, trial, billing, and taxes
Paid plans are sold as subscriptions billed monthly or yearly through our payment processor, Stripe. New paid subscriptions include a 14-day free trial; a payment method is collected up front and you are not charged if you cancel before the trial ends. After the trial, the subscription renews automatically each period until cancelled. Applicable taxes (including US sales tax and EU VAT where relevant) are calculated and collected at checkout. Prices may change with notice for future periods.
6. Cancellation and refunds
You may cancel at any time through the customer portal. Cancellation stops future renewals; your access continues until the end of the period you have already paid for. We do not offer refunds for periods already started; the 14-day trial is the mechanism to evaluate the service without charge.
7. Acceptable use
You agree not to misuse the service, including: reselling or sharing access beyond your purchased seats; scraping, bulk-extracting, or redistributing the content; attempting to breach security or access other customers data; or using the service to violate law. We may suspend access for conduct that threatens the service or other users.
8. Intellectual property
The platform, its software, and our original training and reference content are owned by Pavitt Public Finance, LLC or its licensors and are provided under a limited, non-transferable subscription licence for your internal use. Underlying accounting standards remain the property of their respective standard-setters and are cited as source material. You retain ownership of content you submit; you grant us the limited right to process it to provide the service.
9. Your content and AI processing
When you ask a question or upload a document to the Desk, your input and the source material retrieved to answer it are sent to third-party language-model providers to generate a response, under their terms. We do not use your submitted content to train any model. See the Privacy Policy for the providers involved and how data is handled.
10. Disclaimers
The service is provided "as is" and "as available". To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement, and we do not warrant that the service or any answer is accurate, complete, current, error-free, or uninterrupted. Source material may change; you are responsible for confirming the current authoritative version before relying on it for a high-stakes decision.
11. Limitation of liability
To the fullest extent permitted by law, Pavitt Public Finance, LLC will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost data, disallowed or ineligible costs, penalties, or clawbacks, arising from your use of or reliance on the service. Our total liability for any claim relating to the service will not exceed the fees you paid for the service in the 12 months before the event giving rise to the claim. Some jurisdictions do not allow certain limitations; where they do not, the limitations apply only to the extent permitted.
12. Indemnity
You agree to indemnify and hold Pavitt Public Finance, LLC harmless from claims arising out of your misuse of the service, your content, or your breach of these Terms.
13. Term, suspension, and termination
These Terms apply while you use the service. We may suspend or terminate access for breach or non-payment. You may stop using the service at any time; cancellation is governed by Section 6.
14. Changes to these terms
We may update these Terms. When we make a material change we will update the version and effective date, and you may be asked to accept the new version at your next purchase. Continued use after an update means you accept it.
15. Governing law and disputes
These Terms are governed by the laws of the State of Florida, United States of America, without regard to its conflict-of-laws rules. The state and federal courts located in Florida have jurisdiction over any dispute, and you consent to that venue, except where applicable law gives you a non-waivable right to another forum.
16. Contact
Questions about these Terms: support@pfmexpert.net.