1. Agreement to Terms

By accessing or using the Action Energy Finance website ("Website") and our services—including our online project finance tools and consulting services—you agree to be bound by these Terms of Service ("Terms").

If you do not agree to these Terms, please do not use our Website or services.

Eligibility: You must be at least 18 years old to use our services. By using our Website, you represent and warrant that you meet this requirement.

2. Our Services

Online Project Finance Tools: We provide web-based financial modeling tools for energy project finance, with a current focus on thermal energy storage (TES) and heat electrification projects. These tools are offered on a monthly subscription basis. Access to these tools is via actionenergyfinance24.com.

Consulting Services: We offer project finance consulting, including due diligence, investor materials, and custom Excel financial model design. Consulting engagements are governed by separate agreements tailored to each project.

3. Use of Online Tools

By subscribing to our online tools, you agree to the following:

• License: You receive a limited, non-exclusive license to use the tools for your personal or professional purposes. You may use the tools within your team (up to 20 people).
• Prohibited Uses: You may not resell, sub-license, or publicly distribute the tools or any outputs derived from them. You may not reverse-engineer or attempt to extract source code from the tools.
• Access: All tools are accessed via actionenergyfinance24.com. Your subscription includes access as long as payments are current.

4. Consulting Services

Our consulting services are provided under separate written agreements. Key terms include:

• Scope: The scope of work, deliverables, and timeline will be defined in a project proposal or engagement letter.
• Fees: Consulting fees are quoted per project or on a day-rate basis. Payment terms are specified in the project agreement.
• Confidentiality: We will keep your business information confidential, subject to legal requirements.

5. Payment and Refunds

Online Tools: Subscriptions are billed monthly. You may cancel at any time, but no refunds are provided for partial months. Payment is processed via Stripe or our approved payment provider.

Consulting: Fees are due as specified in the engagement letter. Refunds are provided at our discretion if deliverables are not met.

Disclaimer: Our digital products and tools are provided "as is." Please review product descriptions and demos before purchasing.

6. Intellectual Property

All content on this Website—including logos, designs, text, and software—is owned by Action Energy Finance Oy or licensed to us. You may not copy, reproduce, or distribute any content without our prior written permission.

Our online tools and financial models are proprietary. Unauthorized use or distribution is prohibited.

7. Disclaimer and Limitation of Liability

Financial Information Disclaimer: Our online tools and content are provided for informational purposes only. They do not constitute financial advice. You should consult with qualified professionals before making investment decisions.

We make no warranties about the accuracy or completeness of our tools or content. We are not liable for any financial losses or decisions made based on information from our Website or tools.

Limitation of Liability: To the fullest extent permitted by law, our total liability is limited to the amount you paid for our services in the preceding 12 months.

8. User Conduct

You agree not to:

• Use our services for any illegal or unauthorized purpose.
• Attempt to gain unauthorized access to our systems or other users' accounts.
• Transmit viruses, malware, or other harmful code.
• Interfere with or disrupt the operation of our Website or services.

We reserve the right to suspend or terminate your access if we believe you have violated these Terms.

9. Changes to These Terms

We may update these Terms from time to time. We will post the updated Terms on this page and update the "Last Updated" date. Your continued use after changes constitutes acceptance of the revised Terms.

10. Governing Law

These Terms are governed by the laws of Finland. Any disputes arising from these Terms shall be resolved in the courts of Helsinki, Finland.

11. Contact Us

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

Action Energy Finance Oy
Hämeentie 125, 00560 Helsinki, Finland
Email: tarja @ actionenergyfinance.com
Phone: +358505996828