By accessing, browsing, registering for, or using our website or any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our applicable policies. If you do not agree, you must not use our services.

TFC Marketing DBA TMT provides marketing, membership, informational, and related digital services, which may include access to content, account features, communications, and other offerings made available through our platform.

You must be at least 18 years old, or the age of majority in your jurisdiction, to use our services or create an account unless otherwise permitted by law or with parental/guardian consent.

If you create an account, you agree to:

• Provide accurate, current, and complete information
• Maintain the security of your account credentials
• Promptly update your information if it changes
• Accept responsibility for all activity under your account

We reserve the right to suspend or terminate accounts for inaccurate information, misuse, or violation of these Terms.

If our services include memberships, subscriptions, or paid access:

• Access may be limited to the selected membership tier
• Membership benefits may change from time to time
• You are responsible for reviewing the details of your membership plan
• We may modify or discontinue any feature at any time, where permitted by law

Where applicable, you agree to pay all fees associated with your purchases, subscriptions, or memberships.

• All prices are subject to change without notice
• You authorize us and our payment processors to charge your selected payment method
• You are responsible for any applicable taxes, fees, or bank charges
• Failed or declined payments may result in suspension of access

Unless otherwise stated in writing, all sales are final. Any refund requests, if allowed, will be handled according to our posted refund policy or at our sole discretion where required by law.

You agree not to use our website or services to:

• Violate any law or regulation
• Infringe on intellectual property rights
• Transmit harmful, abusive, fraudulent, or misleading content
• Attempt unauthorized access to systems or accounts
• Interfere with the operation or security of our services
• Use our services for spam, scams, or malicious activity

We may restrict or terminate access for violations.

All content, branding, logos, text, graphics, materials, and software on our platform are owned by or licensed to TFC Marketing DBA TMT and are protected by applicable intellectual property laws.

You may not copy, reproduce, distribute, modify, or exploit our content without prior written permission, except as allowed by law.

If you submit reviews, messages, uploads, or other content:

• You grant us a non-exclusive, royalty-free, worldwide license to use, reproduce, display, and distribute that content for business purposes
• You represent that you own or have the rights to submit such content
• You agree that your content will not violate any law or the rights of others

We may remove content that violates these Terms or is otherwise inappropriate.

Our website or services may include links to or integrations with third-party services. We are not responsible for the content, policies, or practices of third parties. Your use of third-party services is at your own risk.

Our services are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including but not limited to merchantability, fitness for a particular purpose, accuracy, and non-infringement.

We do not guarantee uninterrupted, error-free, or secure access to our services.

To the maximum extent permitted by law, TFC Marketing DBA TMT shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or business arising from your use of our services.

Our total liability for any claim related to the services shall not exceed the amount you paid us, if any, for the relevant service during the twelve months preceding the claim.

You agree to indemnify, defend, and hold harmless TFC Marketing DBA TMT, its owners, employees, contractors, affiliates, and agents from any claims, damages, losses, liabilities, and expenses arising from:

• Your use of our services
• Your violation of these Terms
• Your violation of any law or third-party right
• Your submitted content or account activity

We may suspend or terminate your access to our services at any time, with or without notice, if we believe you have violated these Terms or if we decide to discontinue the services.

You may stop using our services at any time. Certain sections of these Terms will survive termination.

We may update these Terms from time to time. The updated version will be effective when posted unless otherwise required by law. Continued use of our services after changes are posted means you accept the revised Terms.