Payment Schedule: Monthly services are billed in advance. One-time projects require 50% payment upfront and 50% upon delivery.

Late Payments: Overdue payments incur 1.5% monthly interest charge. Services may be suspended for payments over 30 days late.

Currency: All prices quoted in USD. EU clients may pay in EUR at current exchange rate.

Refunds: Refunds available within 30 days for one-time projects if deliverables do not meet agreed specifications. Monthly services are non-refundable.

Minimum Commitments: Fractional CTO (3 months), CTO as a Service (6 months). Early termination incurs 50% penalty of remaining contract value.

Scope Changes: Changes to project scope require written agreement and may result in additional charges.

Client Responsibilities: Clients must provide timely access to systems, personnel, and information necessary for service delivery.

Response Times: We guarantee 24-hour response for Fractional CTO clients, 4-hour response for CTO as a Service clients during business hours.

Non-Disclosure: All client information is confidential. We sign comprehensive NDAs before engagement and maintain strict data security protocols.

GDPR Compliance: We comply with EU General Data Protection Regulation. Client data is processed lawfully and stored securely.

Data Retention: Client data is retained for 7 years for legal compliance, then securely deleted unless client requests earlier deletion.

Conflicts of Interest: We work with only one company per industry vertical to avoid conflicts of interest.

Client IP: All client intellectual property remains with the client. We claim no ownership of client code, data, or business information.

Deliverables: Reports, recommendations, and documentation created for clients become client property upon full payment.

General Knowledge: We retain the right to use general knowledge, methodologies, and non-confidential insights gained from engagements.

Third-Party IP: Clients are responsible for ensuring proper licensing of third-party software and services.

Service Warranty: We warrant that services will be performed with professional skill and in accordance with industry standards.

Limitation of Liability: Our total liability is limited to the amount paid for services in the 12 months preceding the claim.

Excluded Damages: We are not liable for indirect, consequential, or punitive damages, including lost profits or business interruption.

Professional Insurance: We maintain €2,000,000 professional indemnity insurance covering errors and omissions.

Termination for Convenience: Either party may terminate ongoing services with 30 days written notice after minimum commitment period.

Termination for Cause: Either party may terminate immediately for material breach that remains uncured after 15 days written notice.

Effect of Termination: Upon termination, we will deliver all completed work and return confidential information. Client obligations for payment remain.

Governing Law: These terms are governed by Austrian law for EU clients and Delaware law for US clients.

Jurisdiction: Disputes will be resolved in Vienna, Austria for EU clients and Delaware, USA for US clients.

Arbitration: Business disputes over €50,000 / $50,000 will be resolved through binding arbitration under ICC rules.

Mediation: Parties agree to attempt mediation before litigation or arbitration.

Force Majeure: Neither party is liable for delays caused by circumstances beyond reasonable control (natural disasters, pandemics, government actions).

Severability: If any provision is found unenforceable, the remainder of these terms remains in effect.

Entire Agreement: These terms, together with signed service agreements and NDAs, constitute the complete agreement between parties.

Modifications: Terms may only be modified by written agreement signed by both parties.