TERMS OF SERVICE

These Terms of Service (“Terms”) govern your access to and use of https://paulatiuandres.com/ and any related content, forms, donation pages, educational materials, programs, and services operated by Paula Tiu Andres (“PTA,” “we,” “our,” or “us”).

By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

1. Use of the Site

You agree to use the Site only for lawful purposes and in a way that does not infringe, restrict, or interfere with the rights of others or the operation of the Site.

You may not:

•Use the Site for fraudulent, unlawful, or misleading purposes

•Attempt to gain unauthorized access to the Site or its systems

•Interfere with the security or performance of the Site

•Copy, reproduce, distribute, or exploit Site content without permission, except as allowed by law

•Submit false, harmful, abusive, defamatory, or infringing content

•Use the Site to transmit spam, malware, or other malicious material

2. Eligibility

By using the Site, you represent that:

•You have legal capacity to agree to these Terms

•Any information you submit is true and accurate

•You will comply with applicable laws and regulations

If you use the Site on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

3. Educational Content Disclaimer

The Site may include educational materials, mentorship content, digital finance learning resources, bootcamp information, testimonials, community guidance, and related content.

All content is provided for general educational and informational purposes only. It is not financial, investment, legal, tax, accounting, or professional advice.

You are solely responsible for evaluating any information before making financial, business, personal, or legal decisions. You should consult a qualified professional before relying on any information from the Site.

We do not guarantee outcomes, earnings, financial growth, investment results, scholarship awards, grant approvals, or personal success.

4. Donations and Support

If you make a donation or provide financial support through the Site:

•You represent that you are authorized to use the payment method submitted

•You agree to provide accurate billing and contact information

•Donations are voluntary and, unless otherwise stated in writing or required by law, are generally non-refundable

•We may decline, cancel, or limit donations or transactions where necessary for security, operational, legal, or administrative reasons

If a donation is made in error, please contact us promptly at [email protected]

5. Programs, Opportunities, and Availability

Any program, project, bootcamp, orientation, scholarship, sponsorship, community activity, or partnership opportunity described on the Site is subject to availability, eligibility requirements, capacity, timing, review, change, suspension, or cancellation without prior notice.

Nothing on the Site guarantees acceptance, participation, placement, sponsorship, grant approval, or a specific result.

6. Testimonials and Examples

The Site may include testimonials, community stories, examples, featured projects, or participant experiences. These are shared for illustrative purposes only.

Individual experiences vary. Testimonials are not guarantees of future results, earnings, performance, or outcomes.

7. Intellectual Property

All content on the Site, including text, graphics, logos, images, videos, downloads, layouts, branding, and other materials, is owned by or licensed to us and is protected by applicable intellectual property laws.

You may view and use the Site for personal, non-commercial purposes only. You may not reproduce, republish, modify, distribute, transmit, display, sell, or create derivative works from Site content without our prior written consent.

8. User Submissions

If you submit a message, inquiry, testimonial, review, comment, application, suggestion, idea, photo, or other material to us, you represent that:

•You own it or have the right to share it

•It does not violate any law or third-party rights

•It is not false, abusive, threatening, defamatory, or harmful

Unless otherwise agreed in writing, you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, display, publish, and adapt such submissions for operational, promotional, documentary, or community-related purposes, subject to applicable law and our Privacy Policy.

9. Third-Party Platforms and Links

The Site may include links to third-party websites, social media platforms, books, services, programs, tools, and payment providers. We do not control and are not responsible for third-party content, policies, availability, or services.

Your use of third-party sites is at your own risk and subject to their own terms and policies.

10. Disclaimer of Warranties

The Site and all content, services, and materials 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 warranties of:

•Merchantability

•Fitness for a particular purpose

•Non-infringement

•Accuracy

•Reliability

•Availability

•Security

We do not warrant that the Site will be uninterrupted, error-free, secure, or free from viruses or harmful components.

11. Limitation of Liability

To the fullest extent permitted by law, Paula Tiu Andres and its owners, team members, affiliates, volunteers, partners, service providers, and representatives shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or related to:

•Your use of or inability to use the Site

•Reliance on Site content

•Donations or transactions

•Participation or non-participation in programs or opportunities

•Unauthorized access to or alteration of your information

•Errors, omissions, delays, interruptions, or service failures

If liability is imposed despite the above, our total liability shall not exceed the amount you paid to us, if any, for the specific service or transaction giving rise to the claim.

12. Indemnification

You agree to defend, indemnify, and hold harmless Paula Tiu Andres and its owners, officers, affiliates, team members, volunteers, contractors, and representatives from and against any claims, liabilities, damages, losses, costs, and expenses, including reasonable legal fees, arising out of or related to:

•Your use of the Site

•Your breach of these Terms

•Your violation of any law or third-party rights

•Information or material you submit through the Site

13. Privacy

Your use of the Site is also subject to our Privacy Policy, which is incorporated into these Terms by reference.

14. Suspension or Termination

We reserve the right to suspend, restrict, or terminate access to the Site or any part of it at any time, with or without notice, for any reason, including violation of these Terms.

15. Changes to the Terms

We may update these Terms from time to time. When we do, we will revise the “Last Updated” date above. Continued use of the Site after changes are posted means you accept the updated Terms.

16. Governing Law

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

17. Contact Information

If you have questions about these Terms, please contact us at:

Paula Tiu Andres
Email: [email protected]