Terms and Conditions

1. Definitions

"Service" refers to the family budget planning consultation services provided by Poxixay.com.

"User," "You," and "Your" refer to the individual accessing or using the Service.

"Company," "We," "Us," and "Our" refer to Poxixay.com.

"Content" refers to text, images, videos, audio, graphics, and all other forms of information or data.

2. User Obligations

When using our Service, you agree to:

• Provide accurate, complete, and up-to-date personal and financial information necessary for the provision of our services.
• Maintain the confidentiality of any account credentials and be solely responsible for activities occurring under your account.
• Use the Service only for lawful purposes and in accordance with these Terms.
• Not use the Service to transmit any material that is defamatory, offensive, or otherwise objectionable.
• Not attempt to gain unauthorized access to any portion of the Service or any systems or networks connected to the Service.
• Promptly notify us of any unauthorized use of your account or any other breach of security.

3. Service Limitations

Our family budget planning consultation services are subject to the following limitations:

• Our Service provides general financial advice and does not constitute professional financial, investment, tax, or legal advice.
• We do not guarantee specific financial outcomes or results from following our advice or using our tools.
• The Service may be unavailable from time to time for maintenance or other reasons.
• We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time without notice.
• We may impose limits on certain features or restrict access to parts or all of the Service without notice or liability.

4. Intellectual Property Rights

All content, features, and functionality on Poxixay.com, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software, are the exclusive property of Poxixay.com or its licensors and are protected by international copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any materials from our Service without our prior written consent, except for:

• Temporary storage of copies solely as necessary to view the Service.
• Storage of files automatically cached by your web browser for display enhancement.
• Printing or downloading one copy of a reasonable number of pages for personal, non-commercial use.

5. Liability Limitations

To the maximum extent permitted by law:

• The Service is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied.
• We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
• We shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use the Service.
• Our total liability for any claims arising from these Terms shall not exceed the amount paid by you, if any, for accessing our Service during the twelve (12) months preceding the claim.

6. Dispute Resolution

Any dispute arising from these Terms or your use of the Service shall be resolved as follows:

1. Informal Negotiation: We encourage you to contact us first to seek an informal resolution to any disputes.
2. Mandatory Arbitration: Any dispute not resolved informally shall be submitted to binding arbitration. The arbitration shall be conducted in accordance with the commercial arbitration rules of the jurisdiction in which our company is registered.
3. Waiver of Class Actions: You agree to resolve disputes with us only on an individual basis and waive any right to participate in any class action or representative proceeding.
4. Governing Law: These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which our company is registered, without regard to its conflict of law provisions.

7. Privacy Policy

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices regarding your personal information.

8. Termination

We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason, including but not limited to a breach of these Terms. Upon termination, your right to use the Service will cease immediately.

9. Changes to Terms

We reserve the right to modify these Terms at any time. We will provide notice of any material changes by posting the updated Terms on this page with a new effective date. Your continued use of the Service after such modifications constitutes your acceptance of the revised Terms.

10. Severability

If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced to the fullest extent under law.

11. Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and Poxixay.com regarding the Service and supersede all prior agreements and understandings, whether written or oral.