Terms
Using this site
These terms cover browsing this website, run by Ruth Padgett trading as Silent Anchor Hub. They are deliberately short; the terms that actually govern a strategy day are agreed separately, in writing.
Copyright
The essays and site copy here are Ruth's own writing unless credited otherwise. Read and link to them freely; lifting them into someone else's advisory materials without asking is not permitted.
What may change
Rates and availability quoted on this site are indicative; Ruth confirms the actual price and date for a strategy day individually before anything is booked. The site is an introduction to how she works, not a binding quote.
Individual arrangements
Every strategy day or advisory engagement is confirmed individually — what will be covered, when, and for how much — before Ruth blocks the date. The site describes how she works in general; the specific arrangement is made directly with you.
Limits of responsibility
To the extent the law allows, Ruth is not liable for indirect losses from using this site — for instance, a decision made purely from reading an article rather than working through it in a session. Any linked site is outside her control.
Updates
These terms are revised now and then as the way Ruth works changes. The version on this page is always the current one, and continuing to use the site after an update means you accept it.
Applicable law
These terms are governed by the law of Japan, where Silent Anchor Hub is registered, and any unresolved dispute falls to the courts with jurisdiction over Osaka.
Questions about these terms
If any clause here is unclear, write to ruth@silent-anchor-hub.com and Ruth will explain it in plain words — the same directness she brings to a strategy day. ruth@silent-anchor-hub.com
Confidentiality
Anything discussed during a strategy day, advisory session, or in written correspondence is treated as confidential. Ruth does not discuss client business with third parties, and any case study published on this site is anonymised or shared only with explicit permission. This obligation does not end when an engagement finishes — it continues indefinitely, in the same way a client would expect from any advisor they trusted with sensitive strategic detail.
Payment terms
Invoices are issued on completion of a session or at agreed milestones for longer engagements, and are payable within 14 days. Rescheduling a booked session with more than 48 hours' notice carries no charge; later changes may be billed at the agreed rate. Overdue invoices may carry a modest late fee, though in practice a short conversation about timing has always been enough to sort out a delay.
Advice, not guarantees
The strategic advice, frameworks and recommendations given during any engagement are offered in good faith based on the information provided. Decisions made on the back of that advice remain the client's own, and Silent Anchor Hub cannot guarantee a particular business outcome. Advice is only as good as the information behind it, which is why a proper briefing at the start of an engagement matters more than most clients expect going in.
Referrals
Where a question falls outside strategy and decision-making — legal, financial or technical specialisms — Ruth will say so and, where possible, point you toward someone better placed to help rather than guess. No fee is taken for a referral, and nobody is under any obligation to use the person suggested.
Recordings and notes
Written notes from a session are shared with the client afterwards as a matter of course. Sessions are not recorded on video or audio unless specifically agreed in advance, and any such recording is deleted once the notes are finalised. Where a client wants to record a session themselves for their own team’s reference, that is fine to ask for, and is noted at the start of the call so everyone present knows.
Severability
If any single clause in these terms turns out to be unenforceable for some reason, the rest of the terms continue to apply as normal. That one clause would simply be read in the way closest to its original intent that the law allows, and its absence would not be treated as grounds to void the agreement as a whole.