Terms of Use

Last updated: December 20, 2024

These Terms of Use govern your access to and use of the services, features, content, and functionality offered by Magujoy through magujoy.com and any related platforms or tools. By accessing or using our services, you confirm that you have read, understood, and agree to be bound by these terms. If you do not agree, you must not use our services.

1. Acceptance of Terms

Your use of the Magujoy platform constitutes your full and unconditional acceptance of these Terms of Use. These terms apply to all visitors, registered users, and any other individuals or entities who access or interact with our services in any capacity. We reserve the right to update or modify these terms at any time. Continued use of the platform after any changes are published constitutes acceptance of the revised terms.

2. Description of Services

Magujoy provides an online platform focused on personal financial budget development, including tools, educational resources, consultation services, and related content designed to assist individuals and organisations in managing, planning, and improving their financial strategies. The services are delivered digitally and are accessible globally across various devices and time zones.

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice. We shall not be liable to you or any third party for any such modification, suspension, or discontinuation.

3. Eligibility

To use our services, you must be at least 18 years of age or the age of legal majority in your jurisdiction, whichever is greater. By using the platform, you represent and warrant that you meet this requirement and that you have the legal capacity to enter into a binding agreement under these terms. If you are using the services on behalf of an organisation, you represent that you have the authority to bind that organisation to these terms.

4. Account Registration and Security

Certain features of our platform may require you to create an account. You agree to provide accurate, current, and complete information during registration and to keep your account information updated at all times. You are solely responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account.

You must notify us immediately at info@magujoy.com if you suspect any unauthorised access to or use of your account. We are not liable for any loss or damage arising from your failure to protect your account credentials.

5. Permitted Use

You may use our services only for lawful purposes and in accordance with these Terms of Use. You agree not to use the platform in any way that violates applicable laws or regulations, infringes the rights of others, or is harmful, fraudulent, deceptive, or abusive.

5.1 Prohibited Activities

Without limiting the above, you specifically agree not to:

6. Intellectual Property

All content, materials, software, designs, graphics, text, data, and other elements available on or through the Magujoy platform are the exclusive property of Magujoy or its licensors and are protected by applicable intellectual property laws. Nothing in these terms grants you any ownership rights in any such content or materials.

6.1 Limited Licence

We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the platform and its content solely for your personal or internal business purposes in accordance with these terms. This licence does not permit you to reproduce, redistribute, sell, sublicense, or create derivative works from any content without our express written consent.

6.2 User-Submitted Content

If you submit, upload, or otherwise provide any content to the platform, you grant Magujoy a worldwide, royalty-free, perpetual licence to use, store, display, and process that content for the purposes of delivering and improving our services. You represent and warrant that you have all necessary rights to grant this licence and that your content does not violate any third-party rights.

7. Payment and Billing

Certain services offered by Magujoy may be subject to fees. Where applicable, pricing, payment terms, and billing cycles will be clearly communicated prior to purchase. By providing payment information, you authorise us to charge the applicable fees to your chosen payment method.

All fees are stated in the currency presented at the time of purchase. You are responsible for any applicable taxes, duties, or additional charges imposed by your local jurisdiction. Fees paid are non-refundable except as expressly stated in our refund policy or as required by applicable law.

8. Cancellation and Termination

You may cancel your account or discontinue use of the services at any time by contacting us at info@magujoy.com. We reserve the right to suspend or terminate your access to the platform at our sole discretion, with or without notice, if we determine that you have violated these terms or if continued access poses a risk to the platform or other users.

Upon termination, your right to access and use the services will cease immediately. Provisions of these terms that by their nature should survive termination, including intellectual property rights, disclaimers, and limitations of liability, shall survive.

9. Third-Party Services and Links

The platform may contain links to third-party websites, tools, or services that are not owned or controlled by Magujoy. We provide these links for convenience only and do not endorse or assume any responsibility for the content, privacy practices, or terms of any third-party services. Your interactions with third-party services are governed solely by their respective terms and policies.

10. Disclaimer of Warranties

The Magujoy platform and all associated services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that the platform will be uninterrupted, error-free, secure, or free of viruses or other harmful components. We make no warranty that the results obtained through use of the platform will be accurate, reliable, or meet your specific requirements.

The financial tools, resources, and content provided through our platform are intended for informational and educational purposes only. They do not constitute professional financial, legal, tax, or investment advice. You should consult a qualified professional before making any financial decisions.

11. Limitation of Liability

To the fullest extent permitted by applicable law, Magujoy, its directors, employees, partners, agents, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of data, loss of goodwill, or business interruption, arising out of or in connection with your use of or inability to use the platform or its services.

In no event shall our total aggregate liability to you for any claims arising out of or relating to these terms or your use of the services exceed the total amount paid by you to Magujoy in the twelve months preceding the event giving rise to the claim, or one hundred euros (€100), whichever is greater.

12. Indemnification

You agree to indemnify, defend, and hold harmless Magujoy and its officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, losses, costs, and expenses, including reasonable legal fees, arising out of or in any way connected with your use of the platform, your violation of these terms, or your infringement of any third-party rights.

13. Privacy and Data

Your use of the Magujoy platform is also governed by our Privacy Policy, which is incorporated into these Terms of Use by reference. By using our services, you acknowledge and agree to the collection, use, and processing of your information as described in our Privacy Policy.

14. Changes to These Terms

We may revise these Terms of Use from time to time to reflect changes in our services, legal requirements, or business practices. When we make material changes, we will update the "Last updated" date at the top of this page and, where appropriate, notify you through the platform or by email. Your continued use of the services following the posting of revised terms constitutes your acceptance of those changes.

15. Governing Principles

These terms shall be interpreted in a manner that is fair and consistent with their purpose of establishing a clear, balanced relationship between Magujoy and its users. Any disputes arising under these terms shall be resolved through good-faith negotiation in the first instance. Where resolution cannot be reached informally, disputes shall be referred to binding arbitration or resolved through the courts of competent jurisdiction applicable to Magujoy's registered place of business.

16. Severability

If any provision of these Terms of Use is found to be unlawful, void, or unenforceable for any reason, that provision shall be deemed severable from these terms and shall not affect the validity and enforceability of any remaining provisions.

17. Entire Agreement

These Terms of Use, together with our Privacy Policy and any other policies or agreements referenced herein, constitute the entire agreement between you and Magujoy regarding your use of the platform and supersede all prior agreements, understandings, or representations relating to the same subject matter.

18. Contact Us

If you have any questions, concerns, or requests regarding these Terms of Use, please contact us using the details below: