Terms and conditions

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1. Acceptance of Terms

Accessing and using this website means you agree to be bound by these Terms and Conditions. You must not use the website for any unlawful purpose or in any way that violates these terms. If you do not agree, you should stop using the website immediately.

2. Payment Information

At present, no credit card or payment details are collected directly through the website.

All information provided on this website is for general informational purposes only and does not constitute legal, financial, or professional advice. You should not rely on the content when making decisions. All materials are provided without warranties of any kind, and use of the information is at your own risk.

4. Changes to the Website and Terms

The website owner reserves the right to modify, suspend, or discontinue the website or any part of it at any time without notice. The Terms and Conditions may also be updated at any time. Continued use of the website after changes are made constitutes acceptance of the revised terms.

The website may contain links to external websites operated by third parties. These links are provided for convenience only and do not imply endorsement. The website owner is not responsible for the content, availability, or accuracy of third-party sites.

6. Intellectual Property

All intellectual property rights, including copyrights, trademarks, designs, text, graphics, and software used on the website, belong to or are licensed by the website owner. Content may only be accessed for personal, non-commercial use. No material may be copied, reproduced, distributed, or sold without prior written permission, except for limited personal use.

7. Linking Policy

Links to third-party websites may appear on this site, and visiting them is done at your own risk. Any party linking to this website must not suggest endorsement, misrepresent their relationship with the website, or link from content that is offensive, illegal, or infringes third-party rights. Unauthorized linking that causes damage may result in liability.

8. Disclaimers and Limitation of Liability

The website and its content are provided “as is” and “as available,” without any warranties, express or implied. To the fullest extent permitted by law, the website owner shall not be liable for indirect, incidental, or consequential damages, including loss of data, profits, or business opportunities. There is no guarantee that the website will operate without interruption, errors, or harmful components.

Nothing in these terms limits liability for death or personal injury resulting from negligence where such limitation is not permitted by law.

9. Indemnification

You agree to indemnify and hold harmless the website owner and its representatives from any claims, losses, damages, costs, or legal fees arising from your breach of these Terms or misuse of the website.

10. Severability

If any provision of these Terms is found to be invalid or unenforceable, that provision will be removed, and the remaining terms will remain in full effect.

11. Waiver

Failure to enforce any part of these Terms does not constitute a waiver of the right to enforce them in the future.

12. Governing Law

These Terms and Conditions are governed by and interpreted in accordance with applicable local law, and disputes shall be subject to the exclusive jurisdiction of the relevant courts.

13. Financial Terms

Users who subscribe to digital services agree to pay the applicable fees based on the selected service and country of residence. Payments are due at the time of subscription unless stated otherwise. Prices are shown exclusive of taxes, and additional charges such as VAT may apply depending on legal requirements.

Users agree to comply with all applicable laws and regulations related to their activities. Information transmitted through the services must not violate laws, international agreements, or third-party rights. This includes compliance with data protection, electronic communications, and anti-spam regulations applicable in the countries where users operate and where recipients are located.

15. Contact

For questions or concerns regarding these Terms and Conditions, users may contact the website owner through the official communication channels provided on the website.