Terms of Use
1. Introduction
These Terms of Use ("Terms") govern your access to and use of the website www.howarigtraders.com.pg and the consultancy, software development and digital technology services (the "Services") offered by Howarig Traders Limited ("Howarig Traders," "we," "us," or "our"), a company registered in Papua New Guinea, with registered office at Monian Haus, Level 2, Suite 3, Nita Street, Boroko, PO Box 3996, Boroko, NCD, Papua New Guinea.
By accessing this website, requesting a quote or engaging our Services, you agree to be bound by these Terms. If you do not agree, please do not use the website or engage our Services.
2. Description of Services
Howarig Traders provides professional technology services, including but not limited to:
Custom software architecture, platform design and digital systems development;
Custom software development, including web and mobile applications;
Digital payment and fintech systems consultancy;
Technical advisory and strategy consultancy for businesses and institutions.
Specific scope, deliverables, timelines and fees for any engagement will be set out in a separate written proposal, statement of work or service agreement ("Engagement Agreement") between Howarig Traders and the client.
Where these Terms conflict with a signed Engagement Agreement, the Engagement Agreement prevails.
3. Quotes, Proposals, and Engagement
Quotes and proposals issued by Howarig Traders are valid for the period stated in the proposal or thirty (30) days if unstated.
A binding engagement begins only once both parties agree to the scope and fees, typically via a signed proposal, statement of work or payment of an agreed deposit.
Clients are responsible for providing accurate project requirements, timely feedback and access to any systems, data or personnel reasonably required for us to deliver the Services.
4. Fees and Payment
Fees for consultancy and development Services will be set out in the applicable Engagement Agreement or invoice and may be structured as fixed-fee, milestone-based or time-and-materials.
Payments may be made through the payment methods made available on our website or invoice, including card and digital payment options.
Unless otherwise agreed in writing, invoices are due within fourteen (14) days of issue. Late payments may incur reasonable interest or suspension of work until payment is received.
All fees are exclusive of applicable taxes unless stated otherwise.
5. Intellectual Property
Unless otherwise agreed in writing in an Engagement Agreement, ownership of custom deliverables (such as bespoke software, digital platforms or designs created specifically for a client) transfers to the client upon full payment of all applicable fees.
Howarig Traders retains ownership of all pre-existing tools, frameworks, libraries, methodologies and general know-how used in delivering the Services and may reuse such materials across other engagements.
Any third-party or open-source components used in a deliverable remain subject to their own applicable licenses.
6. Client Responsibilities
Clients agree to:
Provide accurate and complete information necessary for us to scope and deliver the Services;
Ensure they have the right to share any data, content or materials provided to us for use in a project;
Comply with all applicable laws, including those relating to their own use of financial technology solutions we develop for them; and
Make payments in accordance with the agreed Engagement Agreement.
7. No Financial or Investment Advice
Howarig Traders provides technical consultancy and software development services. Nothing on this website or in our Services constitutes financial, investment, legal or tax advice. Clients considering fintech or digital platform solutions should seek independent professional advice appropriate to their circumstances.
8. Warranties and Disclaimers
We will perform the Services with reasonable skill and care consistent with generally accepted industry standards.
Except as expressly stated in an Engagement Agreement, the Services and any related materials are provided "as is," and we do not warrant that software deliverables will be entirely free of defects, given the inherent complexity of software development.
Any specific warranties, support periods or bug-fix commitments will be set out in the applicable Engagement Agreement.
9. Limitation of Liability
To the maximum extent permitted by law, Howarig Traders' total liability arising from any engagement shall not exceed the total fees paid by the client for the specific Services giving rise to the claim.
We shall not be liable for indirect, incidental or consequential damages, including loss of profits, data, or business opportunities, except where such liability cannot be excluded by law.
10. Confidentiality
Both parties agree to keep confidential any non-public business, technical or project information disclosed during an engagement and to use such information only for the purposes of the engagement, unless otherwise agreed in writing or required by law.
11. Termination
Either party may terminate an ongoing engagement in accordance with the terms set out in the applicable Engagement Agreement. Upon termination, the client shall pay for all Services performed and expenses reasonably incurred up to the termination date.
12. Changes to These Terms
We may update these Terms from time to time. Material changes will be posted on this website. Continued use of the website or engagement of our Services after changes take effect constitutes acceptance of the revised Terms.
13. Governing Law
These Terms are governed by the laws of Papua New Guinea. Any disputes shall be subject to the exclusive jurisdiction of the courts of Papua New Guinea.
14. Contact Us
Howarig Traders Limited, PO Box 3996, Boroko, NCD, Papua New Guinea Monian Haus, Level 2, Suite 3, Nita Street, Boroko Email: info@howarigtraders.com.pg Website: www.howarigtraders.com.pg