Terms of Service

1. Introduction

Welcome to tararatings.com (the "Website"), operated by TARA Ratings Limited ("TARA Ratings", "we", "us", or "our"), a company incorporated in Hong Kong with its registered office at Unit 1505, 15/F, Yu Sung Boon Building, 107-111 Des Voeux Road, Central, Hong Kong.

By accessing or using this Website and our services, you agree to be bound by these Terms of Service ("Terms"). If you do not agree, please discontinue use immediately.

Read these Terms with our Disclaimer. Services covered by a separate written agreement with TARA Ratings are subject to that agreement, which prevails in the event of any inconsistency. Website descriptions and an enquiry or meeting request do not by themselves create an agreement to supply Services.

2. Definitions

• "Services" means the products, software, applications, and services offered by TARA Ratings, including but not limited to TARA Lighthouse, related analytics, professional services, licensing arrangements, and any other services accessible through the Website.
• "User", "you", or "your" means any individual or entity that accesses or uses the Website or Services.
• "Content" means all text, data, images, graphics, software, and other materials available on or through the Website and Services.

3. Eligibility

You must be at least 18 years of age or the age of majority in your jurisdiction to use our Services. By using our Services, you represent and warrant that you have the legal capacity to enter into these Terms.

4. Use of Services

You agree to use the Website and Services only for lawful purposes and in accordance with these Terms. You shall not:

• Use the Services in any way that violates any applicable law or regulation of Hong Kong or any other jurisdiction;
• Attempt to gain unauthorised access to any part of the Services, other accounts, computer systems, or networks;
• Interfere with or disrupt the integrity or performance of the Services;
• Use any automated means (bots, scrapers, etc.) to access the Services without our prior written consent;
• Reproduce, distribute, modify, or create derivative works of any Content without our express permission.

5. Intellectual Property

All intellectual property rights in the Website, Services, and Content (including but not limited to trademarks, trade names, logos, software, algorithms, designs, methodology, and documentation, including our analytical methods) are owned by or licensed to TARA Ratings Limited.

Nothing in these Terms grants you any right, title, or interest in our intellectual property except as expressly provided. The TARA Ratings name, the names of our services, and all related marks are trademarks of TARA Ratings Limited.

6. Data & Privacy

Your use of the Services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal data in compliance with the Personal Data (Privacy) Ordinance (Cap. 486) of Hong Kong. By using our Services, you consent to such processing and you warrant that all data provided by you is accurate.

7. Disclaimer of Warranties

Except as expressly provided in a written client agreement, the Website, Services and Content are provided on an "as is" and "as available" basis. To the maximum extent permitted by applicable law, we disclaim all representations and warranties, express or implied, including as to accuracy, completeness, reliability, currency, suitability for a particular purpose and non-infringement.

Without limiting the foregoing, TARA Ratings does not warrant that:

• The Website or Services will be uninterrupted, secure or error-free;
• Content, including TARA information as defined in our Disclaimer, will be free from errors, omissions, inaccuracies or outdated statements;
• Every building condition or risk will be identified, or any scenario, projection or suggested next step will predict or produce a particular outcome.

TARA information and other service outputs support users' own assessments; they are not credit ratings, valuations, building surveys or inspections, or legal, financial, investment, lending or insurance advice. General website articles and summaries do not assess an individual building or your particular circumstances. Verify material information against relevant original sources and obtain appropriate professional advice for a particular decision. The absence of a risk signal is not confirmation of safety or compliance.

We may revise or remove website content at our discretion. To the maximum extent permitted by applicable law, and except as expressly agreed in writing, we do not undertake to keep every item continuously updated or to notify each reader of changes. Examples are illustrative; projections and future product plans are subject to assumptions and uncertainty and are not guarantees of outcomes or delivery. Enquiries about Content may be sent to enquiries@tararatings.com.

8. Limitation of Liability

To the maximum extent permitted by applicable law, the following exclusions and limitations apply to the Website, Services and Content. Separate written service agreements are governed by section 1.

TARA Ratings and its directors, officers, employees and agents accept no liability for any loss, damage, cost or expense, whether direct or indirect, arising out of or in connection with errors, omissions, inaccuracies, outdated statements or misleading content in publicly available Website Content, or any use of, inability to use, or reliance on the Website or its Content, whether a claim is made in contract, tort or otherwise.

TARA Ratings and its directors, officers, employees and agents shall not be liable for any indirect, incidental, special, consequential or punitive loss or damage, or any loss of profit, revenue, business opportunities, anticipated savings, data or goodwill, arising from the following, even if advised of the possibility of such loss or damage:

• Your access to or use of (or inability to access or use) the Website or Services;
• Any conduct or content of any third party on the Services;
• Unauthorised access, use, or alteration of your transmissions or data;
• Any reliance on Content, data, analytics or outputs provided through the Website or Services.

To the maximum extent permitted by applicable law, and unless a written client agreement provides otherwise, our total aggregate liability arising out of or in connection with these Terms, the Website, Services or Content shall not exceed the amount you have paid to TARA Ratings in the twelve (12) months preceding the claim, or HK$1,000, whichever is greater.

9. Indemnification

To the maximum extent permitted by applicable law, you agree to indemnify and hold harmless TARA Ratings and its directors, officers, employees and agents against third-party claims, liabilities, losses, damages, costs and expenses (including reasonable legal fees) arising out of your misuse of the Website, Services or Content, your breach of these Terms, or your infringement of any third-party rights.

10. Third-Party Services

The Website may contain links to third-party websites or services that are not owned or controlled by TARA Ratings. Links and source citations do not imply endorsement by TARA Ratings or endorsement of TARA Ratings by the source provider. We do not control their content, availability, privacy policies or practices. Any exclusion of responsibility for third-party content or services is subject to section 8; use of those services may also be governed by their own terms.

11. Modifications

We reserve the right to modify these Terms at any time by posting an updated version with a new "Last Updated" date. The updated Terms apply to subsequent use of the Website. Continued use constitutes acceptance of the updated Terms. You should review this page periodically.

12. Termination

We may terminate or suspend your access to the Services immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Services will immediately cease.

13. Governing Law & Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region of the People's Republic of China. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Hong Kong.

14. Severability

If any provision of these Terms is held to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.

15. Language

If there is any inconsistency between the English and Chinese versions of these Terms, the English version prevails.

16. Contact Us

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