Effective Date: January 11, 2026

These Terms of Use (“Terms”) are a legal agreement entered into by and between you and ANKR Consulting LLC, and its related entities (“ANKR,” “we,” “us,” or “our”) and govern your access to and use of the website located at https://www.ankrcmo.com and any other websites that we own or control that link to these Terms (collectively, the “Site”). Please read these Terms carefully before using the Site. By accessing, browsing, or using the Site, you accept and agree to be bound by these Terms. If you do not agree, you must not access or use the Site.

1. PRIVACY POLICY

All information you provide on or through the Site is subject to our Privacy Policy. By accessing or using the Site, you acknowledge and agree to the collection, use, storage, processing, and disclosure of your information, including personal information, as described in the Privacy Policy.

2. CHANGES TO THE TERMS

We may revise and update these Terms from time to time in our sole discretion. All changes are effective immediately upon posting. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms. You are responsible for reviewing these Terms periodically.

3. INTELLECTUAL PROPERTY RIGHTS

ANKR owns or licenses all intellectual property rights in and to the Site and its contents, including but not limited to text, graphics, logos, frameworks, methodologies, downloads, images, audio, video, and software (collectively, “Content”). These rights are protected by United States and international intellectual property laws. Nothing in these Terms grants you any right, title, or interest in or to the Content except for the limited right to access and use the Site in accordance with these Terms.

4. PERMITTED USE

You may access and use the Site and Content solely for lawful, non-commercial, informational purposes. You may not:

• Reproduce, distribute, modify, or create derivative works from the Content

• Use the Content for commercial purposes without prior written consent

• Use the Site in any manner that could harm, disable, overburden, or impair it

• Attempt to gain unauthorized access to any portion of the Site

Any unauthorized use terminates the permissions granted under these Terms.

5. LINKS, FRAMING, AND METADATA

You may link to the Site’s homepage provided you do so in a fair and legal manner that does not damage or exploit our reputation. You may not frame the Site, use deep links without permission, or use metatags or hidden text incorporating ANKR’s name or Content without express written consent.

6. THIRD-PARTY LINKS

The Site may contain links to third-party websites for your convenience. ANKR does not control, endorse, or assume responsibility for third-party sites, content, products, or services. Access to third-party websites is at your own risk and subject to their terms and policies.

7. SITE AVAILABILITY

We do not guarantee uninterrupted access to the Site or any Content. We reserve the right to modify, suspend, or discontinue all or part of the Site at any time without notice. We are under no obligation to provide support or maintenance.

8. DISCLAIMER OF WARRANTIES

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SITE AND ALL CONTENT ARE PROVIDED “AS IS,” “AS AVAILABLE,” AND “WITH ALL FAULTS.” ANKR DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that the Site will be secure, error-free, or free from harmful components.

9. EXCLUSION OF DAMAGES

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL ANKR OR ITS AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR THESE TERMS.

10. LIMITATION OF LIABILITY

ANKR’S TOTAL LIABILITY ARISING OUT OF OR RELATED TO THE SITE OR THESE TERMS SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100), TO THE EXTENT PERMITTED BY LAW.

11. INDEMNIFICATION

You agree to defend, indemnify, and hold harmless ANKR and its affiliates from and against any claims, damages, liabilities, losses, and expenses arising from your violation of these Terms or misuse of the Site.

12. TERMINATION

We may terminate or suspend your access to the Site at any time, without notice, for any reason, including violation of these Terms. Provisions that by their nature should survive termination shall survive.

13. GOVERNING LAW AND JURISDICTION

These Terms are governed by the laws of the State of Tennessee, without regard to conflict of law principles. Any legal action shall be brought exclusively in the state or federal courts located in Shelby County, Tennessee.

14. INTERNATIONAL USE

The Site is operated from the United States. If you access the Site from outside the U.S., you consent to the transfer and processing of your information in the United States and agree to comply with all applicable local laws.

15. ENTIRE AGREEMENT

These Terms constitute the entire agreement between you and ANKR regarding the Site and supersede all prior agreements or understandings.

16. CONTACT INFORMATION

Questions regarding these Terms may be directed to: hello@ankrcmo.com.