Welcome to our platform. These Terms of Service ("Terms") govern your access to and use of our services. By accessing or using our platform, you agree to be bound by these Terms. If you do not agree, please do not use our services.

1. Eligibility: You must be at least 18 years old or the age of majority in your jurisdiction to use our services. By using the platform, you confirm that you meet this requirement.

2. User Conduct: You agree to use the platform responsibly and not to:

• Violate any applicable laws or regulations
• Interfere with or disrupt the services
• Attempt unauthorized access to systems or accounts
• Post or transmit harmful, misleading, or offensive content

3. Account Responsibilities: You are responsible for maintaining the confidentiality of your account credentials and for any activity under your account. Notify us immediately of any unauthorized use.

4. Intellectual Property: All content, features, and functionality on our platform—including text, graphics, logos, and software—are owned by us or our licensors and are protected by intellectual property laws. You may not use our content without prior written permission.

5. Termination: We may suspend or terminate your access to the platform at our discretion, with or without notice, if we believe you have violated these Terms or pose a risk to other users or our services.

6. Disclaimers and Limitation of Liability: Our services are provided "as is" and "as available." We make no warranties of any kind. We are not liable for any damages, including indirect or incidental damages, arising from your use of the services.

7. Governing Law: These Terms are governed by the laws of the United States and the state in which our company is based, without regard to conflict of laws principles.

8. Changes to Terms: We reserve the right to modify these Terms at any time. We will notify users of material changes, and your continued use of the platform means you accept the updated Terms.

9. Contact: For questions about these Terms, please contact us at [support@example.com].

Your privacy is important to us. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you use our services within the United States. Please read it carefully.

Information We Collect: We may collect personal information such as your name, email address, contact details, and payment information when you interact with our services. We may also collect technical data including IP addresses, browser types, and usage activity through cookies and other tracking technologies.

How We Use Your Information: The information we collect is used to:

• Provide and improve our services
• Process transactions and support customer needs
• Send administrative or promotional communications (with your consent)
• Ensure security, fraud prevention, and legal compliance

Sharing Your Information: We do not sell your personal information. We may share data with service providers who assist us in delivering our services, only under strict confidentiality agreements. We may also disclose information if required by law or to protect our rights.

Your Choices: You may choose to opt out of marketing communications at any time. Most browsers also allow you to manage cookies or block tracking. However, disabling these may impact your user experience.

Children’s Privacy: Our services are not directed to individuals under the age of 13. We do not knowingly collect personal information from children without parental consent.

Data Security: We implement appropriate security measures to protect your data. However, no system is completely secure, and we cannot guarantee absolute protection.

Policy Updates: We may update this policy periodically. Any changes will be posted on this page with a revised "Last Updated" date.

Contact Us: If you have questions or concerns about this Privacy Policy, please contact us through the platform or by email at [support@example.com].