By using the Sites, you affirm that you are at least 18 years old and are legally capable of entering into a binding contract. If you are using the Sites on behalf of an organization, you agree to these Terms on behalf of that organization and affirm that you have the authority to bind that organization to these Terms.

We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting to the Sites. Your continued use of the Sites following the posting of revised Terms means that you accept and agree to the changes. It is your responsibility to review these Terms periodically.

Our Privacy Policy, located at [Privacy Policy Link], describes how we collect, use, and disclose information about you. By using the Sites, you consent to the collection and use of your information as described in the Privacy Policy.

To access certain features of the Sites, you may be required to create an account. You agree to provide accurate, current, and complete information during the registration process and to update such information as necessary. You are responsible for safeguarding your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

You are granted a limited, non-exclusive, non-transferable, revocable license to use the Sites for your personal or internal business purposes.

You agree not to:

Use the Sites for any unlawful purpose or in violation of these Terms.

Interfere with or disrupt the operation of the Sites.

Attempt to gain unauthorized access to any portion of the Sites or any other systems or networks connected to the Sites.

Use any automated means (such as robots or spiders) to access the Sites.

All content on the Sites, including text, graphics, logos, icons, images, and software, is the property of RICH off Credit or its content suppliers and is protected by intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise exploit any of the content on the Sites without our prior written consent.

Certain services offered on the Sites may be subject to payment. You agree to provide accurate payment information and authorize us to charge all fees to your selected payment method. All fees are non-refundable unless otherwise specified.

The Sites are provided "as is" and "as available" without any warranties of any kind, either express or implied. We do not warrant that the Sites will be uninterrupted or error-free.

To the maximum extent permitted by law, RICH off Credit will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from (a) your use or inability to use the Sites; (b) any unauthorized access to or use of our servers and/or any personal information stored therein; (c) any interruption or cessation of transmission to or from the Sites; (d) any bugs, viruses, trojan horses, or the like that may be transmitted to or through the Sites by any third party; or (e) any errors or omissions in any content or for any loss or damage incurred as a result of the use of any content posted, emailed, transmitted, or otherwise made available through the Sites.

You agree to indemnify, defend, and hold harmless RICH off Credit and its affiliates, officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees and costs, arising out of or in any way connected with your access to or use of the Sites, your violation of these Terms, or your infringement of any intellectual property or other rights of any person or entity.

These Terms of Service and any separate agreements whereby we provide you Services shall be governed by and construed in accordance with the laws of United States.

If you have any questions about these Terms, please contact us at support@richoffcredit.com.

By using the Sites, you acknowledge that you have read, understood, and agree to be bound by these Terms.