Terms of Service
Version 1.0 · Effective 29 August 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 through a flow that presents these Terms, or otherwise affirmatively accepting them, you agree to these Terms. If you are accepting on behalf of an organisation, you confirm that you are authorised to bind it. Our Privacy Policy is a separate notice describing how we process personal data; it does not create a service-level, security, data-residency, or other contractual warranty unless a written agreement signed by us expressly says otherwise. If an Order Form, public-procurement contract, data processing addendum, or other written agreement signed by both parties expressly conflicts with these Terms, that signed agreement controls only to the extent and subject matter of the conflict.
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 offered monthly, yearly, or by invoice, depending on the plan. Any trial length, payment-method requirement, billing interval, renewal method, and price presented at checkout or in an accepted Order Form are part of your subscription terms. Self-serve monthly subscriptions renew automatically until cancelled unless checkout states otherwise. Annual and invoiced plans renew only as stated at checkout or in the applicable Order Form. Applicable taxes may be included in the displayed price or calculated at checkout or on an invoice, depending on currency, location, and plan. The total amount then due will be shown before purchase or on the applicable invoice. Prices may change prospectively with notice for future periods.
6. Cancellation and refunds
You may cancel at any time through the customer portal or by the cancellation method stated for your plan. Cancellation stops future renewals; your access continues until the end of the period you have already paid for. Except where non-waivable law requires otherwise, we do not offer refunds for periods already started; any free 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, subject to the contractual terms governing our use of those providers. 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 applicable law, neither Pavitt Public Finance, LLC nor its suppliers will be liable for any indirect, incidental, special, exemplary, punitive, or consequential damages, or for lost profits, lost revenue, lost business opportunity, loss of goodwill, or loss or corruption of data, arising out of or relating to the service or these Terms. Without limiting the preceding sentence, Pavitt Public Finance is not responsible for a decision or action by a donor, government, regulator, auditor, employer, or other third party concerning eligibility, allowability, reimbursement, funding, procurement, reporting, audit findings, or compliance, including any disallowed or ineligible cost, denied or reduced reimbursement, clawback, recoupment, repayment, fine, penalty, interest, or loss of funding. If any such amount is nevertheless held to be recoverable as direct damages caused by our breach of these Terms, it remains subject to the aggregate cap in this Section. Our aggregate liability for all claims arising out of or relating to the service or these Terms, regardless of the theory of liability, will not exceed the greater of (a) the fees you paid or were obligated to pay for the affected service during the 12 months immediately preceding the first event giving rise to the claim, or (b) US $500. These exclusions and the cap apply even if a remedy fails of its essential purpose and even if we were advised that damages were possible. Nothing in this Section limits liability for fraud or willful misconduct, or any other liability that applicable law does not permit to be limited.
12. Indemnity
To the extent permitted by applicable law, you agree to indemnify and hold Pavitt Public Finance, LLC harmless from third-party claims arising out of your misuse of the service, your content, or your material breach of these Terms. If you are a public body, this Section applies only to the extent you have legal authority to give the indemnity stated here.
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 prospectively. We will post the new version and effective date and provide reasonable notice of a material change. If a change materially alters the contractual bargain - for example, price or renewal mechanics, the scope of the licence, rights in submitted content, the liability allocation, or dispute-resolution terms - we will require affirmative acceptance before applying that material change to an existing customer where acceptance is required by applicable law or our acceptance process. Non-material changes may take effect on the posted effective date. Continued use alone will not be treated as acceptance of a material change where affirmative acceptance is required.
15. Governing law and disputes
Except to the extent non-waivable applicable law requires otherwise, these Terms and any non-contractual obligations arising out of or relating to them are governed by the laws of the State of Florida, United States of America, without regard to its conflict-of-laws rules. Subject to the same qualification, and unless an Order Form or public-procurement contract signed by both parties expressly provides otherwise, exclusive jurisdiction and venue for a dispute arising out of or relating to these Terms will lie in a state or federal court of competent jurisdiction located in Florida. Each party consents to personal jurisdiction in those courts. If you are a consumer, this Section does not deprive you of mandatory legal protections or a forum that applicable law makes non-waivable, including rights that may apply in the country of your habitual residence.
16. Contact
Questions about these Terms: support@pfmexpert.net.