Effective date: 16 October 2025

1. Ownership and Copyright

All content on this website — including text, images, logo, and design — is the property of Level Up Virtual Ltd (trading as ClareFergusson.com) unless otherwise stated. You may view or download content for personal, non-commercial use only. Content must not be copied, reproduced, distributed, or used commercially without prior written permission.

2. Website Use

You agree not to use this website for any unlawful, harmful, or disruptive purpose. We reserve the right to restrict or terminate access if any misuse is detected.

3. Information Accuracy

All information provided on this site is for general informational purposes only. While we aim to keep content accurate and up to date, we make no representations or warranties about its completeness, reliability, or suitability for any particular purpose.

4. External Links

This site may include links to external websites. We are not responsible for the content, accuracy, or privacy practices of any third-party sites.

5. Limitation of Liability

Level Up Virtual Ltd and Clare Fergusson are not liable for any loss or damage arising from your use — or inability to use — this website or its content.

6. Changes to These Terms

We may update these Terms of Use from time to time without prior notice. Continued use of the website after changes are posted constitutes acceptance of the revised terms.

7. Contact

For any questions about these Terms of Use, please contact: hello@clarefergusson.com