1. Acceptance of Terms

By using the Services, you affirm that you are at least 18 years old and capable of entering into a binding contract. If you are accessing or using the Services on behalf of a company or other legal entity, you represent that you have the authority to bind such entity to these Terms.

2. Nature of Services; Not Financial Advice

Money and Growth Circle provides general information and educational content related to personal finance. Our Services include articles, guides, calculators, templates, and other resources designed to help you understand and manage your finances.

IMPORTANT DISCLAIMER:

• The information provided on Money and Growth Circle is for informational and educational purposes only and does not constitute financial, investment, tax, or legal advice.
• We are not financial advisors, brokers, or licensed professionals. Any decisions you make based on information from this Site are solely at your own risk
• You should always consult with a qualified financial professional, investment advisor, tax advisor, or legal counsel before making any financial decisions or implementing any financial strategies.
• Past performance is not indicative of future results. Investing involves risk, including the potential loss of principal.

3. User Accounts

• Account Creation: To access certain features of our Services, you may be required to register for an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete.
• Account Security: You are responsible for maintaining the confidentiality of your account password and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your password or account or any other breach of security. We cannot and will not be liable for any loss or damage arising from your failure to comply with this section.
• Account Suspension/Termination: We reserve the right to suspend or terminate your account at our sole discretion, without notice, for any reason, including but not limited to, a breach of these Terms, fraudulent activity, or conduct that we believe is harmful to other users or our business interests.

4. User Conduct

You agree to use the Services only for lawful purposes and in a manner that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the Services. Prohibited conduct includes, but is not limited to:

• Posting or transmitting any unlawful, defamatory, obscene, offensive, hateful, or otherwise objectionable material.
• Engaging in any form of harassment.
• Using the Services to distribute spam, malware, or other harmful computer code.
• Attempting to gain unauthorized access to any part of the Services or to other users' accounts.
• Impersonating any person or entity or falsely stating or otherwise misrepresenting your affiliation with a person or entity.
• Collecting or storing personal data about other users without their express consent.
• Using the Services for any commercial purpose without our express written consent.

5. Intellectual Property

• Our Content: All content on the Site, including text, graphics, logos, images, software, and the compilation thereof, is the property of Money and Growth Circle or its content suppliers and is protected by copyright, trademark, and other intellectual property laws of Kenya and international conventions.
• Your License: You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your personal, non-commercial use only.
• Restrictions: You may not modify, publish, transmit, reverse engineer, participate in the transfer or sale of, create derivative works from, or in any way exploit any of the content, in whole or in part, found on the Site without our prior written permission.

6. User-Generated Content

• If our Services allow you to post, upload, or submit content (e.g., comments, forum posts), you grant Money and Growth Circle a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout the world in any media.
• You represent and warrant that you own or otherwise control all of the rights to the content that you post; that the content is accurate; that use of the content you supply does not violate these Terms and will not cause injury to any person or entity; and that you will indemnify Money and Growth Circle for all claims resulting from content you supply.

7. Third-Party Links

The Services may contain links to third-party websites or services that are not owned or controlled by Money and Growth Circle. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that Money and Growth Circle shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such web sites or services. We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.

8. Disclaimer of Warranties

The Services are provided on an "AS IS" and "AS AVAILABLE" basis. Money and Growth Circle makes no representations or warranties of any kind, express or implied, as to the operation of the Services or the information, content, materials, or products included on the Services. You expressly agree that your use of the Services is at your sole risk.

To the full extent permissible by applicable law, Money and Growth Circle disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose, and non-infringement. Money and Growth Circle does not warrant that the Services, its servers, or email sent from Money and Growth Circle are free of viruses or other harmful components.

9. Limitation of Liability

In no event shall Money and Growth Circle, its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Services; (ii) any conduct or content of any third party on the Services; (iii) any content obtained from the Services; and (iv) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.

10. Indemnification

You agree to defend, indemnify, and hold harmless Money and Growth Circle and its licensee and licensors, and their employees, contractors, agents, officers, and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees), resulting from or arising out of a) your use and access of the Services, by you or any person using your account and password; b) a breach of these Terms; or c) content posted by you on the Services.

11. Governing Law & Jurisdiction

These Terms shall be governed and construed in accordance with the laws of Kenya, without regard to its conflict of law provisions.

TAny dispute arising from or relating to the subject matter of these Terms shall be subject to the exclusive jurisdiction of the courts located in Nairobi, Kenya.

12. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Services after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Services.

13. Severability

If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

14. Entire Agreement

These Terms constitute the entire agreement between us regarding our Services, and supersede and replace any prior agreements we might have had between us regarding the Services.

15. Contact Us

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

• By email: themoneyandmindset@gmail.com
• By visiting this page on our website: