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1. Acceptance
By accessing psychologyoftreasury.com you agree to these Terms. If you do not agree, please do not use the site.
2. Intellectual property
All content — book text, simulation tools, training materials, videos, and articles — is the intellectual property of Svetlana Kardan / The Psychology of Treasury unless otherwise stated. The Psychology of Treasury® is a registered trademark. You may not reproduce, redistribute, or use it commercially without written permission.
3. Simulation tools — no financial advice
The interactive simulation tools are provided for educational and illustrative purposes only. They are not a validated regulatory model and are not regulated financial advice. Calculations are based on simplified models and publicly available regulatory frameworks and should not be the sole basis for any financial or risk-management decision. Users are responsible for verifying outputs against their own institution’s data, models, and regulatory obligations.
4. Subscriptions
Where subscriptions apply, they are billed annually in advance. You may cancel at any time; cancellation takes effect at the end of the current billing period. UK consumers have a 14-day cooling-off period for digital content, unless the content has already been accessed.
5. Limitation of liability
To the fullest extent permitted by law, The Psychology of Treasury shall not be liable for any indirect, consequential, or financial loss arising from use of this site or its content. Our total liability shall not exceed the amount you paid us in the 12 months preceding the claim.
6. Governing law
These Terms are governed by the laws of England and Wales, subject to the exclusive jurisdiction of the courts of England and Wales.
7. Contact
Queries: contact@psychologyoftreasury.com.