1. Acceptance of Terms
1.1 Agreement. By accessing or using the Services, you accept these Terms and our Privacy Policy.
1.2 Modifications. We may update these Terms at any time; continued use signifies acceptance.
2. Eligibility
You must be at least 18 years old (or of majority age) to use our Services.
3. Account Registration
3.1 Account Creation. Provide accurate, current, complete information.
3.2 Security. Protect your password and notify us of unauthorized use.
4. Use of Services
4.1 Permitted Use. Lawful use only, per these Terms.
4.2 Prohibited Conduct. No infringement, spam, viruses, scraping, or reverse engineering.
5. Subscriptions & Payment
5.1 Fees. You agree to pay all subscription fees as billed.
5.2 Billing & Renewal. Auto-renewal unless cancelled.
5.3 Refunds. At our discretion and as permitted by law.
6. Intellectual Property
6.1 Our Rights. All Service trademarks, logos, and content are owned by Toby’s Group.
6.2 Your Content. You own your uploads; you grant us a license to use them.
6.3 Restrictions. No copying, selling, modifying, or reverse engineering of the Services.
7. Confidentiality
Protect each party’s non-public information with the same care as your own.
8. Disclaimers
THE SERVICES ARE PROVIDED “AS IS” WITHOUT ANY WARRANTIES, EXPRESS OR IMPLIED.
9. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED, WE ARE NOT LIABLE FOR INDIRECT OR CONSEQUENTIAL DAMAGES. OUR TOTAL LIABILITY WILL NOT EXCEED AMOUNTS YOU PAID IN THE PAST SIX MONTHS.
10. Indemnification
You agree to indemnify Toby’s Group and its affiliates against any claims arising from your breach or misuse.
11. Termination
11.1 By You. You may terminate your account at any time.
11.2 By Us. We may suspend or terminate access for violations.
11.3 Effect. Upon termination, access ends and we may delete your data.
12. Governing Law & Dispute Resolution
These Terms are governed by the laws of [Your Jurisdiction]. Disputes will be resolved by binding arbitration in [City, State].
13. Miscellaneous
These Terms, together with incorporated documents, form the entire agreement. Invalid provisions shall be severed. No waiver of any right.
Contact Us
If you have questions, email us at legal@tobysgroup.com or write to:
Toby’s Group of CompaniesMamba Point, Old CID Road at the intersection of the Old and New US Embassy, Monrovia - Liberia