Terms of Service

1. Acceptance of Terms

Welcome to UtangSmartPH ("we," "us," or "our"). These Terms of Service ("Terms") govern your use of our website utangsmartph.com (the "Service") operated by UtangSmartPH.

By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these terms, then you may not access the Service.

These Terms are governed by the laws of the Republic of the Philippines.

2. Description of Service

UtangSmartPH provides:

• Educational Content: Blog articles, guides, and resources about debt management
• Free Resources: Downloadable checklists, templates, and educational materials
• Newsletter Service: Email updates with financial education content
• Community Platform: Information sharing and educational discussions

3. Eligibility

To use our Service, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into these Terms
• Provide accurate and truthful information when required
• Comply with all applicable Philippine laws and regulations

4. User Accounts and Registration

4.1 Account Creation

While browsing our website does not require registration, subscribing to our newsletter or downloading resources may require you to provide:

• Valid email address
• Name (first name required, last name optional)
• Any additional information you choose to provide

4.2 Account Responsibility

You are responsible for:

• Maintaining the accuracy of your information
• Safeguarding any login credentials
• All activities that occur under your account
• Notifying us of any unauthorized use

5. Acceptable Use Policy

5.1 Permitted Uses

You may use our Service to:

• Access and read educational content
• Download free resources for personal use
• Subscribe to our newsletter
• Share our content with proper attribution

5.2 Prohibited Uses

You may NOT use our Service to:

6. Intellectual Property Rights

6.1 Our Content

All content on UtangSmartPH, including but not limited to:

• Text, articles, and blog posts
• Images, graphics, and design elements
• Logos, trademarks, and branding
• Software, code, and website functionality
• Downloadable resources and templates

is owned by UtangSmartPH and protected by Philippine and international copyright laws.

6.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to:

• View and use our website for personal, non-commercial purposes
• Download and use free resources for personal financial education
• Share individual articles with proper attribution and links back to our site

6.3 Restrictions

You may NOT:

• Sell, license, or commercialize our content
• Modify, adapt, or create derivative works
• Remove copyright notices or attributions
• Use our content for competing services

7. Educational Disclaimer and Limitations

7.1 No Professional Relationship

Using our Service does not create a professional relationship between you and UtangSmartPH. We are not:

• Licensed financial advisors or planners
• Certified debt counselors
• Legal practitioners
• Investment professionals

7.2 Seek Professional Advice

For specific financial, legal, or tax matters, you should consult with qualified professionals licensed in the Philippines, such as:

• Certified Public Accountants (CPAs)
• Licensed financial advisors
• Attorneys specializing in financial law
• Accredited debt counselors

8. User-Generated Content

8.1 Comments and Feedback

If you submit comments, feedback, or other content to our Service:

• You retain ownership of your content
• You grant us a license to use, display, and moderate your content
• You represent that your content is accurate and lawful
• You agree not to post confidential or sensitive financial information

8.2 Content Moderation

We reserve the right to:

• Review and moderate all user-submitted content
• Remove content that violates these Terms
• Block users who repeatedly violate our policies
• Report illegal activities to appropriate authorities

9. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

By using our Service, you also agree to:

• Our data collection and processing practices
• Compliance with the Philippine Data Privacy Act of 2012
• International data transfers to service providers
• Cookie usage as described in our Cookie Policy

10. Third-Party Services and Links

10.1 External Links

Our Service may contain links to third-party websites or services. We do not:

• Endorse or control these third-party services
• Take responsibility for their content or practices
• Warrant their safety or accuracy

10.2 Service Integrations

We use third-party services including:

• ConvertKit: For email marketing and newsletter delivery
• Analytics Services: For website performance monitoring
• Social Media Platforms: For content sharing and engagement

Your use of these services is subject to their respective terms and privacy policies.

11. Disclaimers and Limitations of Liability

11.1 Service "As Is"

Our Service is provided "as is" and "as available" without any warranties of any kind, either express or implied, including but not limited to:

• Accuracy, completeness, or reliability of information
• Uninterrupted or error-free service
• Fitness for a particular purpose
• Non-infringement of third-party rights

11.2 Limitation of Liability

12. Indemnification

You agree to indemnify, defend, and hold harmless UtangSmartPH, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses arising out of or in any way connected with:

• Your use of our Service
• Your violation of these Terms
• Your violation of any third-party rights
• Your user-generated content

13. Termination

13.1 Termination by You

You may stop using our Service at any time. To unsubscribe from our newsletter, use the unsubscribe link in any email or contact us directly.

13.2 Termination by Us

We may terminate or suspend your access to our Service immediately, without prior notice, if you:

• Violate these Terms
• Engage in prohibited activities
• Pose a security risk to our Service
• Provide false or misleading information

13.3 Effect of Termination

Upon termination:

• Your right to use the Service will cease immediately
• We may delete your account and data
• Provisions regarding intellectual property, disclaimers, and liability will survive

14. Governing Law and Jurisdiction

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

Any disputes arising from these Terms or your use of our Service shall be subject to the exclusive jurisdiction of the courts of the Philippines.

15. Changes to Terms

We reserve the right to modify these Terms at any time. When we make changes:

• We will update the "Last updated" date
• Significant changes will be communicated via email or website notice
• Continued use of our Service after changes constitutes acceptance
• If you disagree with changes, you should stop using our Service

16. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.

17. Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and UtangSmartPH regarding the use of our Service and supersede all prior agreements and understandings.

18. Contact Information