1. Introduction
These Terms and Conditions govern your use of this website and all transactions related to our products and services. You may also be subject to additional agreements that pertain to your interactions with us or any products or services you obtain from us. In the event of any conflict between these Terms and the provisions of such additional agreements, the terms of the additional agreements will prevail.
 
2. Acceptance
By registering, accessing, or otherwise using this website or our services, you agree to abide by these Terms and Conditions. Your use of this website or our services constitutes acceptance of these Terms and Conditions. In certain situations, we may require explicit consent to these Terms and Conditions.
 
3. Electronic Communication
By using this website or engaging with us through electronic means, you consent to receive communications from us electronically, either through our website or via email. You acknowledge that all agreements, notices, disclosures, and other communications provided electronically meet any legal requirements, including the requirement for written communication.
 
4. Intellectual Property
We or our licensors hold all copyright and intellectual property rights associated with the website, including all data, information, and resources displayed or accessible within the site.
 
Rights Reserved
Except where explicitly stated otherwise, no license or other rights are granted to you under any Copyright, Trademark, Patent, or other Intellectual Property Rights. You may not use, copy, reproduce, perform, display, distribute, embed, alter, reverse engineer, decompile, transfer, download, transmit, monetize, sell, market, or commercialize any resources on this website without our prior written permission, unless otherwise permitted by mandatory law (e.g., the right to quote).
 
5. Third-Party Websites
Our website may contain links or references to third-party websites. We do not monitor or review the content of these external sites. Products or services provided by these third-party websites are governed by their own Terms and Conditions. Opinions expressed on or material found on these sites do not necessarily reflect our views or endorsements.
 
We are not responsible for the privacy practices or content of third-party websites. You assume all risks associated with using these external sites and any related services. We disclaim any liability for loss or damage arising from the disclosure of your personal information to third parties.
 
6. Responsible Use
By accessing our website, you agree to use it solely for its intended purposes and in accordance with these Terms and Conditions, any additional agreements with us, and applicable laws and regulations. You must not use our website or services to distribute or link to malicious software, engage in direct marketing using data collected from our website, or conduct any systematic or automated data collection. Any activity that could damage or interfere with the website’s performance, availability, or accessibility is strictly prohibited.
 
7. Idea Submission
Please refrain from submitting any ideas, inventions, or other intellectual property unless a prior written agreement regarding intellectual property or a non-disclosure agreement has been executed. If you provide such information without a written agreement, you grant us a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate, and distribute your content in any existing or future media.
 
8. Termination of Use
We reserve the right to modify or discontinue access to the website or any associated services, either temporarily or permanently, at our sole discretion. We are not liable for any such modifications or terminations and will not provide compensation for any features, settings, or content that may be lost. Attempts to bypass any access restrictions on our website are prohibited.
 
9. Warranties and Liability
Our website and its content are provided on an "as is" and "as available" basis. We disclaim all warranties, express or implied, regarding the website’s availability, accuracy, or completeness. We do not guarantee that the website will meet your requirements or be free from interruptions or errors.
 
The website does not provide legal, financial, medical, or other professional advice. For professional advice, please consult an appropriate expert.
 
To the maximum extent permitted by law, we are not liable for any direct or indirect damages resulting from your use of the website. Our liability for any damages related to the website or its products and services is limited to USD 500, in aggregate for all claims, regardless of the legal basis.
 
10. Privacy
To use our website and services, you may need to provide personal information during registration. You agree to keep this information accurate and up-to-date. Furthermore, by using our website, you consent to the processing of your personal data as described in this clause.
For the purposes of this clause, "Your Information" may include:
·       Information You Provide: This includes, but is not limited to, your name, address, email address, phone number, financial details, personal description, proof of identity or address, and any other information submitted when registering to use the website or services.
·       Information We Collect About You: This includes data related to your usage of our website and our services.
·       Information from Other Sources: This includes data from services we provide, or third parties (e.g., business partners, subcontractors, advertising networks, analytics providers, credit agencies).
 
We may use User Information in the following ways:
·       To fulfill our obligations under contracts with you or clients’ websites, and to provide you with requested information, products, or services.
·       To inform you about other goods and services we offer.
·       To contact you for your opinions on our services and to notify you of significant changes or developments.
·       To manage our website and services, including troubleshooting, data analysis, testing, research, and statistical purposes.
·       To enhance our website, services, and other products we provide.
·       To maintain the security and integrity of our website and services.
·       To measure or understand the effectiveness of advertising and deliver relevant ads.
·       To suggest and recommend goods or services that may interest you or others.
·       To evaluate financial risks, and combat fraud and money laundering, in compliance with applicable laws.
·       To comply with laws, regulations, and requests from third parties providing services.
 
We may combine information from other sources with the data you provide and the details we collect about you for the purposes outlined above.
 
We do not sell, rent, or otherwise share your information with third parties except in the following circumstances:
(a) With your consent.
(b) As necessary to provide our services.
(c) As required or authorized by law.
 
We may disclose User Information to:
·       Our employees or group members, including subsidiaries, our ultimate holding company, and its subsidiaries.
·       Third-party consultants, subcontractors, suppliers, or other service providers who need access to your personal information for providing services.
·       Auditors, contractors, or advisors assisting with or advising on our business operations.
·       Analytics and search engine providers that help us improve and optimize our website and services.
·       Successors or potential buyers of our business.
·       Government bodies, law enforcement agencies, or other entities as required or requested by legal or regulatory authorities.
·       Any third party necessary to provide the services.
·       Any third party for protecting our company, customers, or others, including for verifying identification or address, fraud prevention, anti-money laundering, and credit risk management.
 
For further details on how we handle your information, please refer to our Privacy Statement and Cookie Policy.
 
11. Export Restrictions / Legal Compliance
Accessing the website from jurisdictions where its content or the purchase of products and services is illegal is prohibited. You must comply with all applicable export laws and regulations of England and Wales.
 
12. Assignment
You may not assign, transfer, or subcontract any of your rights or obligations under these Terms and Conditions without our prior written consent. Any unauthorized assignment will be null and void.
 
13. Breaches of Terms
In the event of a breach of these Terms and Conditions, we may take appropriate actions, including suspending your access to the website, contacting your internet service provider to block access, or initiating legal proceedings.
 
14. Force Majeure
Neither party will be liable for delays or failures in performance due to causes beyond their reasonable control, except for monetary obligations.
 
15. Indemnification
You agree to indemnify and hold us harmless from any claims, liabilities, damages, losses, or expenses arising from your breach of these Terms and Conditions or applicable laws. You will reimburse us for any associated costs.
 
16. Waiver
Failure to enforce any provision of these Terms and Conditions does not constitute a waiver of that provision or affect the validity of these Terms or any part thereof.
 
17. Language
These Terms and Conditions are written in English, and all correspondence and notices will be in English.
 
18. Entire Agreement
These Terms and Conditions, along with our Privacy Statement and Cookie Policy, constitute the entire agreement between you and Glosa Inc regarding your use of this website.
 
19. Updates
We may revise these Terms and Conditions periodically. It is your responsibility to review them regularly. Changes become effective when posted on the website. Continued use of the website following such changes constitutes acceptance of the revised Terms.
 
20. Choice of Law and Jurisdiction
These Terms and Conditions are governed by the laws of England and Wales. Disputes will be subject to the jurisdiction of English and Welsh courts. If any provision is found invalid, it will be modified or enforced to reflect the intent of these Terms, without affecting the remaining provisions.
 
21. Contact Information
This website is owned and operated by Glosa Inc, incorporated under the laws of the Commonwealth of the Bahamas, having its registered office at Winterbotham Place, Marlborough and Queen Streets, P. O. Box SS-19195, Nassau, Bahamas. For inquiries related to these Terms and Conditions, please contact us via mail or email at compliance@glosainc.com