Last Updated: August 21, 2025

1. Introduction

Welcome to IB Holdings LLC, DBA: Aquam Consulting (“Company,” “we,” “us,” “our”). These Terms of Use (“Terms”) govern your access to and use of our website located at www.aquamconsulting.com (the “Site”) and any content, functionality, and services offered on or through the Site.

Please read these Terms carefully before you start to use the Site. By accessing or using the Site, you accept and agree to be bound and abide by these Terms and our Privacy Policy, incorporated herein by reference. If you do not agree to these Terms or the Privacy Policy, you must not access or use the Site.

2. Intellectual Property Rights

The Site and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, audio, and the design, selection, and arrangement thereof) are owned by the Company, its licensors, or other providers of such material and are protected by international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

You are permitted to use the Site for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, republish, download, store, or transmit any of the material on our Site, except for temporary storage or viewing incidental to your use.

3. Professional Services and No Professional-Client Relationship

The content on this Site, including blog posts, articles, whitepapers, and other materials, is for general informational purposes only. It is not intended to constitute professional advice or to create a consultant-client relationship between you and Aquam Consulting.

A consultant-client relationship with us can only be established through the explicit mutual agreement set forth in a signed written contract. Do not send us any confidential information until such a relationship has been formally established. Unsolicited information sent to us may not be treated as confidential.

4. Use of Site Content

We hereby grant you a limited, non-exclusive, non-transferable, revocable license for the term hereof to access and download, display, and print one copy of the Site Content on any single computer solely for your internal, non-commercial use, provided that you do not modify the Site Content in any way (including creating derivative works thereof), that you retain all copyright and other proprietary notices displayed on the Site Content, and that you otherwise comply with these Terms. You may not otherwise reproduce, modify, reverse engineer, distribute, transmit, post, or disclose the Site Content without our prior written consent. Furthermore:

• You may not access, search, or collect, mine, or extract data—including by crawling or scraping—from the Site or the Site Content by any means (automated or otherwise) without our express written permission.
• You also may not use the Site or Site Content to develop any software program, model, algorithm, or other generative AI tool, including, but not limited to, training or using the Site Content in connection with the development or operation of a machine learning or artificial intelligence (AI) system (including any use of the Site Content for training, fine tuning, or grounding the machine learning or AI system or as part of retrieval-augmented generation).
• You may not “mirror” the Site Content or any portion thereof without our express written consent.
• You may not use the Services in violation of applicable laws, including export controls and sanctions, or in violation of our or any third party’s intellectual property or other proprietary or legal rights.

Nothing on this Site should be construed as granting directly or indirectly, or by implication any license or right to use any our intellectual property other than as expressly set forth herein. The license granted in this section terminates automatically and immediately if you do not comply with these Terms. Further, if you do not comply with these Terms (or if we have reasonable grounds to suspect non-compliance), we may take legal action, suspend your access to the Site, or take any other steps we consider appropriate.

5. User Contributions

The Site may contain message boards, chat rooms, or other interactive features that allow users to post content (“User Contributions”). All User Contributions must comply with our Content Standards (as defined below).

You own your User Contributions, but by posting them, you grant us a worldwide, royalty-free, perpetual, irrevocable, non-exclusive license to use, reproduce, modify, adapt, publish, translate, and distribute such material.

We are not responsible for User Contributions and reserve the right to remove any User Contributions for any reason without notice.

6. Prohibited Uses

You may use the Site only for lawful purposes and in accordance with these Terms. You agree not to use the Site:
* In any way that violates any applicable law or regulation.
* To engage in any conduct that restricts or inhibits anyone’s use of the Site.
* To transmit any advertising or promotional material without our prior written consent, including any “junk mail” or “spam.”
* To impersonate or attempt to impersonate the Company, an employee, another user, or any other person or entity.
* To engage in any other conduct that, as determined by us, may harm the Company or users of the Site.

7. Notice of infringement and take down by the Company

Company prohibits the posting of any information that infringes or violates the copyright rights and/or other intellectual property rights (including rights of privacy and publicity) of any person or entity. If you believe that your intellectual property right (or such a right that you are responsible for enforcing) is infringed by any content on the Site, please write to the Company at the address shown below, giving a written statement that contains: (a) identification of the copyrighted work and/or intellectual property right claimed to have been infringed; (b) identification of the allegedly infringing material on the Site that is requested to be removed; (c) your name, address, and daytime telephone number, and an e-mail address if available; (d) a statement that you have a good faith belief that the use of the copyrighted work and/or exercise of the intellectual property right is not authorized by the owner, its agent, or the law; (e) a statement that the information in the notification is accurate, and, under penalty of perjury, that the signatory is authorized to act on behalf of the owner of the right that is allegedly infringed; and (f) the signature of the intellectual property right owner or someone authorized on the owner’s behalf to assert infringement of the right. Company will remove any posted submission that infringes the copyright or other intellectual property right of any person under U.S. law upon receipt of such a statement (or any statement in conformance thereof. U.S. law provides significant penalties for submitting such a statement falsely. Under appropriate circumstances, persons who repeatedly submit infringing or unlawful material will be prohibited from posting further submissions. Company’s contact for submission of notices under this is: 11569 Hwy 6 S, # 133, Sugar Land, Texas 77498.

8. Disclaimers

THE CONTENT AND FUNCTIONALITY ON THE SITE IS PROVIDED WITH THE UNDERSTANDING THAT THE COMPANY IS NOT HEREIN ENGAGED IN RENDERING PROFESSIONAL ADVICE OR SERVICES TO YOU, NO SITE CONTENT IS INTENDED TO SERVE AS OR SHALL BE DEEMED INVESTMENT, LEGAL, TAX, ACCOUNTING OR OTHER REGULATED ADVICE, AND THAT YOU SHALL REMAIN SOLELY RESPONSIBLE FOR YOUR USE OF ALL SITE CONTENT AND ACKNOWLEDGE THAT ANY RELIANCE UPON THE SITE CONTENT SHALL BE ENTIRELY AT YOUR SOLE OPTION AND RISK. ALL CONTENT AND FUNCTIONALITY ON THE SITE IS PROVIDED “AS IS,” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. COMPANY AND ITS THIRD-PARTY CONTENT PROVIDERS MAKE NO WARRANTIES, EXPRESS OR IMPLIED, AS TO THE OWNERSHIP, ACCURACY, OR ADEQUACY OF THE SITE CONTENT. COMPANY SHALL HAVE NO LIABILITY OR RESPONSIBILITY FOR ANY INFORMATION PUBLISHED ON LINKED WEBSITES, CONTAINED IN ANY USER SUBMISSIONS PUBLISHED ON THE SITE, OR PROVIDED BY THIRD PARTIES. NEITHER COMPANY NOR ITS THIRD-PARTY CONTENT PROVIDERS SHALL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES OR LOSSES OR FOR LOST REVENUES OR PROFITS, WHETHER OR NOT ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES AND REGARDLESS OF THE THEORY OF LIABILITY.

9. Limitation of Liability

IN NO EVENT WILL THE COMPANY, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE SITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE SITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.

THE FOREGOING DOES NOT AFFECT ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

10. Indemnification

You hereby agree to indemnify, defend, and hold harmless the Company and all of its predecessors, successors, parents, subsidiaries, affiliates, officers, directors, shareholders, investors, employees, agents, representatives, and attorneys and their respective heirs, successors, and assigns (“Indemnified Parties”) from and against any and all liability, expenses, costs, or other losses (“Losses”) incurred by the Company and/or the Indemnified Parties in connection to any claims arising out of your use of the Site and/or any breach by you of these Terms, including the representations, warranties and covenants you made, if any, by agreeing to these Term. Company reserves the right to assume, at its own expense, the exclusive defense and control of any matter otherwise subject to indemnification by you.

11. Linking to the Site and Social Media Features

You may link to our homepage, provided you do so in a fair and legal manner and do not damage our reputation or take advantage of it. You must not establish a link in such a way as to suggest any form of association, approval, or endorsement on our part where none exists. The Site may provide certain social media features. You may use these features solely as provided by us and solely with respect to the content they are displayed with.

12. Third-party websites and providers

We may provide links to third-party websites, and some of the content appearing to be on this Site is in fact supplied, supported, or provided directly or indirectly by third parties, for example, in instances of framing of third-party websites or incorporation through framesets of content supplied by third-party servers. Company has no responsibility for these third-party websites, which are governed by the terms of use and privacy policies, if any, of the applicable third-party content providers.

13. Governing Law and Jurisdiction

These Terms and your use of the Site will be governed by and construed in accordance with the laws of the State of Texas, USA, without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts located in Houston, Texas, USA for the resolution of any disputes.

14. Changes to the Terms

We may revise and update these Terms from time to time in our sole discretion. All changes are effective immediately when we post them. Your continued use of the Site following the posting of revised Terms means that you accept and agree to the changes.

15. Contact Information

This website is operated by IB Holdings LLC, located at 11569 Hwy 6 S, # 133, Sugar Land, Texas 77498.

All feedback, comments, requests for technical support, and other communications relating to the Site should be directed to: ibholdings101@gmail.com.