Terms of Service

1. Introduction

Welcome to A.N.D. GROUP OF COMPANIES LLC ("Company", "we", "our", or "us"). These Terms of Service ("Terms") govern your access to and use of our websites, applications, products, and services (collectively, the "Services").

By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our Services.

2. Company Information

3. Eligibility & Account Registration

You must be at least 18 years old (or the age of majority in your jurisdiction) to use our Services. By using our Services, you represent and warrant that you meet this age requirement.

When you create an account with us, you must:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information as needed
• Maintain the security and confidentiality of your login credentials
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized access or security breaches

4. Acceptable Use Policy

You agree not to use our Services to:

• Violate any applicable laws, regulations, or third-party rights
• Engage in fraudulent, deceptive, or misleading activities
• Distribute malware, viruses, or other harmful code
• Attempt to gain unauthorized access to our systems or other users' accounts
• Interfere with or disrupt our Services or servers
• Scrape, mine, or collect user data without authorization
• Send spam, unsolicited communications, or promotional content
• Impersonate any person or entity, or misrepresent your affiliation
• Post or transmit content that is illegal, obscene, defamatory, or infringing

5. Intellectual Property Rights

All content, features, and functionality of our Services, including but not limited to text, graphics, logos, icons, images, audio, video, software, and the arrangement thereof, are owned by A.N.D. GROUP OF COMPANIES LLC or its licensors and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

You may not copy, modify, distribute, sell, lease, or create derivative works based on our content without our prior written consent.

User-Generated Content

If you submit, post, or display content on or through our Services, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, adapt, publish, and display such content in connection with operating and providing our Services.

6. Payment Terms & Billing

For paid Services, the following terms apply:

• Pricing: All prices are displayed in the applicable currency and include taxes where required by law
• Payment Processing: Payments are processed through secure third-party payment processors including KOMOJU
• Subscriptions: Subscription services automatically renew unless cancelled before the renewal date
• Refunds: Refund policies vary by product and are detailed in our SCTA page
• Failed Payments: We reserve the right to suspend access if payment fails or is declined

7. Service Availability & Modifications

We strive to maintain continuous availability of our Services but cannot guarantee uninterrupted access. We may:

• Modify, suspend, or discontinue any aspect of the Services at any time
• Perform scheduled or emergency maintenance with or without notice
• Update features, functionality, or user interfaces
• Limit certain features to specific geographic regions or user groups

We are not liable for any damages resulting from service interruptions or modifications.

8. Third-Party Services & Links

Our Services may contain links to third-party websites, services, or content that we do not own or control. We are not responsible for:

• The content, privacy policies, or practices of third-party sites
• Any damage or loss caused by your use of third-party services
• The availability or accuracy of third-party content

Your interactions with third parties are solely between you and such third parties.

9. Disclaimer of Warranties

10. Limitation of Liability

11. Indemnification

You agree to defend, indemnify, and hold harmless A.N.D. GROUP OF COMPANIES LLC and its affiliates from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from:

• Your violation of these Terms
• Your use or misuse of our Services
• Your violation of any third-party rights
• Your content or data submitted to our Services

12. Termination

We may terminate or suspend your access to our Services immediately, without prior notice, for any reason, including if:

• You breach any provision of these Terms
• We are required to do so by law
• We discontinue the Services

Upon termination, your right to use the Services will cease immediately. Provisions that should survive termination will remain in effect.

13. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of Liberia, without regard to conflict of law principles.

Any disputes arising out of or related to these Terms or our Services shall be resolved through:

1. Informal Resolution: Contact us first to attempt to resolve the dispute informally
2. Mediation: If informal resolution fails, parties agree to attempt mediation
3. Arbitration: Binding arbitration as a final resort, conducted in accordance with applicable arbitration rules

14. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by:

• Posting the updated Terms on our website
• Updating the "Last updated" date at the top of this page
• Sending you an email notification for significant changes (if you have an account)

Your continued use of our Services after changes become effective constitutes your acceptance of the revised Terms.

15. General Provisions

• Entire Agreement: These Terms constitute the entire agreement between you and us regarding the Services
• Severability: If any provision is found unenforceable, the remaining provisions will continue in effect
• Waiver: Our failure to enforce any right or provision shall not constitute a waiver
• Assignment: You may not assign these Terms without our prior written consent
• Force Majeure: We are not liable for delays or failures due to circumstances beyond our reasonable control

16. Contact Us