Terms of Use & Policies

1. Acceptance of Terms: By accessing or using this website, you agree to follow all rules, guidelines, and policies outlined herein. If you do not agree, you must not use the site. Continued use constitutes acceptance of these terms.
2. No Refunds: All payments or purchases are final. We do not provide refunds for any reason, including disputes with other users, account suspension, or dissatisfaction.
3. User Responsibility & Community Conduct: Users are fully responsible for all actions, content, and interactions on the platform. Harassment, hate speech, threats, spamming, illegal activity, impersonation, or disruptive behavior is strictly prohibited. Violations may result in immediate suspension or permanent banning without notice or refund. Users must follow moderator and administrator instructions.
4. Moderation & Enforcement: We reserve the right to monitor, review, edit, remove, or block any content or account at our sole discretion. Decisions by site administrators are final and not subject to dispute.
5. Privacy & Personal Data: We collect only the information necessary to provide and improve services. Personal data is never sold or shared without explicit consent. While we prioritize security, no system is completely secure. We are not liable for unauthorized access, breaches, or misuse by third parties.
6. Content Ownership & License: Users retain ownership of submitted content but grant the platform a non-exclusive, worldwide, royalty-free license to display, distribute, or promote it. Users must not post content that infringes on the rights of others.
7. Accuracy & Disclaimers: Content on this site is provided for informational purposes only. We do not guarantee accuracy, completeness, or applicability. We are not responsible for outcomes based on information from the platform, including legal, medical, financial, or professional decisions.
8. Third-Party Links & Resources: External links may appear on the site. We do not control or endorse these sites and are not responsible for their content, privacy practices, or availability. Accessing them is at your own risk.
9. Account Security: Users are responsible for maintaining account confidentiality. Any activity under a user’s account is their responsibility. Unauthorized access must be reported immediately.
10. Limitation of Liability & Legal Protection: To the fullest extent allowed by law, we are not liable for any direct, indirect, incidental, consequential, or special damages arising from use of the site, interactions with other users, or reliance on content. Users waive any claims for refunds, damages, or legal action contrary to these terms.
11. Updates, Governing Law & Jurisdiction: We may update these terms at any time. Continued use constitutes acceptance of changes. These terms are governed by U.S. law and the state in which the business operates. All disputes are resolved exclusively in the courts of that jurisdiction.