Welcome to Million Circles. These Terms & Conditions (“Terms”) govern your access to and use of the website millioncircles.com (the “Site”) and any services provided via the Site (collectively, “Services”). By using the Site or Services, you accept and agree to these Terms.

If you do not agree to these Terms, you must not use the Site or Services.

1. Definitions

• “We / Us / Our” means Million Circles (or its legal entity).

• “You / Your / User / Client” means any person or legal entity using the Site or Services.

• “Content” means text, images, videos, downloads, data, software, and other materials displayed, uploaded or available via the Site.

• “Services” means any coaching, consulting, products, digital content, subscription, course or service offered by Us.

2. Eligibility & Access

1. You must be at least 18 years old or the age of legal majority in your jurisdiction, whichever is higher, to use the Services.

2. You warrant that any information you supply is true, accurate, current and complete.

3. We reserve the right to refuse access or terminate accounts at our discretion.

3. Use of the Site & Services

1. You agree to use the Site and Services for lawful purposes only.

2. You agree not to:

   • Violate any applicable law, regulation or third-party rights;

   • Use the Site or Services to transmit harmful code (viruses, malware) or spam;

   • Attempt to interfere with the Site’s security, integrity or functionality;

   • Impersonate any person or entity or misrepresent your affiliation;

   • Reverse engineer, modify, or create derivative works of the Site (unless permitted by law).

3. We may suspend, limit or terminate your access to the Site or Services at any time, with or without notice, for violation of these Terms or other lawful reasons.

4. Intellectual Property

1. All content on the Site (text, graphics, logos, images, software, etc.) is owned or licensed by Us and is protected by intellectual property rights.

2. You may not copy, distribute, publicly display, or create derivative works of our Content except as expressly permitted by Us or by law.

3. You retain ownership of any content you submit, post or display via the Site, but you grant Us a non-exclusive, royalty-free, worldwide licence to use, reproduce, adapt, and distribute that content for the purposes of operating, promoting, or improving our Services.

5. Purchases, Payments & Refunds

1. If you purchase a product or service via the Site, you agree to pay all applicable fees and taxes.

2. We may use third-party payment processors. Your payment information is subject to their terms and privacy policies.

3. All sales are final unless stated otherwise. Refunds (if any) are at Our discretion or as required by law.

4. In case of subscription services, payments may recur automatically until you cancel in accordance with the cancellation policy.

6. Disclaimer of Warranties & Limitation of Liability

1. The Site and Services are provided “as is” and “as available,” without warranties of any kind, whether express or implied.

2. We disclaim all implied warranties, including but not limited to merchantability, fitness for a particular purpose, and non-infringement.

3. We do not guarantee site availability, error-free operation, or uninterrupted service.

4. To the maximum extent permitted by law, We (and our affiliates, employees, agents) will not be liable for any indirect, incidental, special, consequential or punitive damages, or any loss of profits, data, business, or goodwill arising from your use (or inability to use) the Site or Services.

5. Our total aggregate liability under these Terms shall not exceed the amount you paid (if any) for the relevant service.

7. Indemnification

You agree to indemnify, defend and hold us (and our officers, directors, employees, agents) harmless from any claims, liabilities, damages, losses or expenses (including legal fees) arising from your use of the Site or Services, your violation of these Terms, or your violation of rights of a third party.

8. Privacy & Data Protection

Your use of personal data is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Site or Services, you consent to the collection, use, and sharing of your data in accordance with our Privacy Policy.

9. Third-Party Links & Content

The Site may contain links to third-party websites or resources. We are not responsible for their content, accuracy, or availability. The inclusion of a link does not imply endorsement. Use any third-party site at your own risk.

10. Termination

We may terminate or suspend your access (in whole or part) to the Site or Services immediately, without prior notice, for any reason, including breach of these Terms. Upon termination, all rights granted to you will cease immediately.