1. Introduction

These Terms and Conditions (“Terms”) constitute a legally binding agreement between you and Future Life Guide (“we,” “us,” or “our”). By accessing our website, you acknowledge that you have read, understood, and agree to comply with these Terms.

1.1 Acceptance of Terms

Your continued use of our services signifies your acceptance of these Terms and any modifications we may make from time to time. If you do not agree with any part of these Terms, you must discontinue use of our services immediately.

1.2 Modifications

We reserve the right to modify, update, or change these Terms at any time. Changes will be effective immediately upon posting to our website. Your continued use after such changes constitutes acceptance of the modified Terms.

2. Intellectual Property Rights

All content, materials, and intellectual property on this website, including but not limited to text, graphics, logos, images, audio clips, video clips, data compilations, and software, are the exclusive property of Future Life Guide or our content suppliers and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

2.1 Trademarks

Our company name, logos, product names, and service names are trademarks of Future Life Guide. You may not use these trademarks without our prior written permission.

2.2 License to Use

• Limited License: We grant you a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes
• Restrictions: You may not reproduce, distribute, modify, create derivative works, publicly display, republish, download, store, or transmit any material on our website without express written consent
• Attribution: Any authorized use of our content must include proper attribution to Future Life Guide

3. User Responsibilities

As a user of our services, you agree to use our platform responsibly and in compliance with all applicable laws and regulations. You are solely responsible for your conduct and any content you submit or transmit through our services.

3.1 Prohibited Activities

You agree not to engage in any of the following prohibited activities:

• Violating any local, state, national, or international law or regulation
• Infringing upon or violating our intellectual property rights or the rights of others
• Harassing, abusing, insulting, threatening, or discriminating against any individual or group
• Submitting false, inaccurate, or misleading information
• Uploading viruses, malware, or any other malicious code
• Attempting to gain unauthorized access to our systems or networks
• Interfering with or disrupting the integrity or performance of our services
• Collecting or harvesting personal information from other users
• Using our services for any commercial purpose without authorization

3.2 Account Security

If you create an account with us, you are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must notify us immediately of any unauthorized use of your account.

4. Limitations of Liability

To the fullest extent permitted by applicable law, Future Life Guide and its officers, directors, employees, agents, suppliers, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use our services.

4.1 Disclaimer of Warranties

Our services are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability, fitness for a particular purpose, or non-infringement
• Warranties that our services will be uninterrupted, secure, or error-free
• Warranties regarding the accuracy, reliability, or completeness of any content
• Warranties that defects will be corrected or that our servers are free of viruses or harmful components

4.2 Limitation of Damages

In no event shall our total liability to you for all damages, losses, or causes of action exceed the amount paid by you to us, if any, for accessing our services during the six (6) months prior to the claim, or one hundred dollars ($100), whichever is greater.

4.3 Indemnification

You agree to indemnify, defend, and hold harmless Future Life Guide and its affiliates from any claims, liabilities, damages, losses, and expenses, including reasonable attorney’s fees, arising out of or in any way connected with your access to or use of our services or your violation of these Terms.

5. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which Future Life Guide operates, without regard to its conflict of law provisions.

5.1 Jurisdiction

You agree that any legal action or proceeding arising out of or relating to these Terms or your use of our services shall be instituted exclusively in the courts located within our jurisdiction, and you consent to the personal jurisdiction of such courts.

5.2 Arbitration

Any dispute, controversy, or claim arising out of or relating to these Terms shall be resolved through binding arbitration in accordance with the rules of an established arbitration association. The arbitration shall be conducted in the English language, and the arbitrator’s decision shall be final and binding.

5.3 Class Action Waiver

You agree that any proceedings to resolve disputes will be conducted on an individual basis and not as a class action, consolidated action, or representative action.

6. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and disclosure of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to our collection and use of personal information as outlined in our Privacy Policy.

6.1 Data Collection

We collect various types of information in connection with the services we provide, including:

• Information you provide directly to us (registration details, contact information, etc.)
• Information we collect automatically (usage data, device information, cookies, etc.)
• Information from third-party sources (social media platforms, analytics providers, etc.)

6.2 Data Security

We implement reasonable security measures to protect your personal information. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security of your data.

7. Third-Party Links and Services

Our website may contain links to third-party websites or services that are not owned or controlled by Future Life Guide. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.

7.1 Third-Party Content

Any third-party content, products, or services accessed through our platform are provided solely by the respective third parties. We do not endorse, warrant, or assume responsibility for any third-party content, products, or services.

8. Termination

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

8.1 Effect of Termination

All provisions of these Terms that by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, indemnification, and limitations of liability.

9. General Provisions

9.1 Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

9.2 Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published by us, constitute the entire agreement between you and Future Life Guide concerning your use of our services.

9.3 Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. Any waiver must be in writing and signed by an authorized representative of Future Life Guide.

9.4 Assignment

You may not assign or transfer these Terms or your rights under these Terms without our prior written consent. We may assign our rights and obligations under these Terms without restriction.