Terms of Service
Effective date: 22 August 2026
1. Acceptance of Terms
By accessing or using this site, you accept these terms of service in full. If you do not agree with any part of these terms, please do not use this site.
2. About This Site
This site is an informational portfolio and services showcase for Joseph Muiruri, a Commercial Finance & Data Analyst based in Melbourne, Australia. It exists to present his work, experience and services to prospective employers, clients and collaborators.
3. Intellectual Property
All content on this site, including text, case studies, design and code, is owned by Joseph Muiruri unless otherwise stated. Nothing may be reproduced, redistributed or reused without prior written permission.
4. Permitted Use
This site is made available for personal, non-commercial viewing. Automated scraping, bulk data harvesting, or the use of this site's content to train artificial intelligence models is prohibited without prior written permission.
5. Disclaimer of Warranties
This site is provided on an "as is" basis, with no guarantee of uninterrupted uptime or that all content is complete, current or free of error.
6. Limitation of Liability
To the maximum extent permitted by law, Joseph Muiruri is not liable for any loss or damage arising from your use of, or inability to use, this site.
7. Third-Party Links
This site links to third-party services, including the Calendly booking widget embedded on the Contact page. Joseph Muiruri is not responsible for the content, policies or practices of any external site, including Calendly once you leave this site's embed.
8. Governing Law
These terms are governed by the laws of Victoria, Australia, and any disputes arising from them are subject to the exclusive jurisdiction of its courts.
9. Contact
For any queries regarding these terms, contact cliffjoem@gmail.com.