Terms and Conditions

Thank you for choosing Spenca’s Business Lifestyle Product (referred to as “the Product”). These Terms and Conditions (“Terms”) govern your access to and use of the Product and related services (collectively, the “Services”) provided by Spenca. By purchasing, using, or accessing the Product, you agree to comply with and be bound by these Terms. If you do not agree to these Terms, please refrain from using the Product.

1. General Information Spenca is a business lifestyle brand designed to help professionals and business owners optimize their workflow, productivity, and overall lifestyle. The Product includes a variety of features, including but not limited to lifestyle management tools, business-related content, and access to curated resources.

2. Eligibility By using the Product, you affirm that you are at least 18 years old, have the legal capacity to enter into a binding agreement, and are not barred from accessing the Product under any applicable law.

3. Account Registration and Security To access certain features of the Product, you may need to create an account. You agree to provide accurate, current, and complete information during the registration process. You are solely responsible for maintaining the confidentiality of your account credentials and for any activities under your account.

4. Product Usage You agree to use the Product and its Services solely for lawful purposes and in accordance with these Terms. You are prohibited from:

• Using the Product for any unlawful, fraudulent, or malicious activities;
• Modifying, distributing, or creating derivative works based on the Product;
• Attempting to bypass any security measures of the Product or accessing it through unauthorized means;
• Using the Product in a way that could harm the reputation of Spenca or disrupt the functionality of the Services.

5. Subscription and Payments If the Product involves a subscription model, you agree to pay all applicable fees for the Services as detailed on the Spenca website or during the registration process. All payments are due in advance of the billing cycle. Subscriptions may automatically renew unless canceled by you in accordance with the cancellation policy.

6. Intellectual Property All content, designs, trademarks, and logos associated with the Product are the intellectual property of Spenca or its licensors. You do not have any rights to use any of Spenca’s intellectual property without explicit permission.

7. User-Generated Content You may have the opportunity to submit, upload, or share content through the Product. You retain ownership of any content you submit, but by submitting content, you grant Spenca a worldwide, non-exclusive, royalty-free license to use, display, modify, and distribute your content for the purpose of operating and improving the Services.

8. Privacy and Data Protection Your use of the Product is governed by Spenca’s Privacy Policy, which outlines how we collect, use, and protect your personal data. By using the Product, you consent to the data practices outlined in the Privacy Policy.

9. Disclaimers and Limitation of Liability The Product and Services are provided “as is,” and Spenca makes no warranties or representations regarding the accuracy, reliability, or completeness of the content or Services. Spenca does not guarantee that the Product will be error-free or uninterrupted.

To the maximum extent permitted by law, Spenca will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Product, including but not limited to loss of data, loss of business, or personal injury.

10. Termination and Suspension Spenca reserves the right to suspend or terminate your access to the Product at any time for any reason, including if you violate these Terms. Upon termination, you will no longer have access to the Product, and any outstanding fees will remain due and payable.

11. Modifications to the Terms Spenca reserves the right to modify these Terms at any time. Any changes to the Terms will be posted on this page, and the effective date will be updated. By continuing to use the Product after changes have been made, you agree to the updated Terms.

12. Governing Law and Dispute Resolution These Terms shall be governed by the laws of Govt, without regard to its conflict of law principles. Any dispute arising from these Terms shall be resolved through binding arbitration , unless otherwise agreed upon.

13. Miscellaneous

• These Terms constitute the entire agreement between you and Spenca regarding the use of the Product.
• If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force.
• You may not assign or transfer your rights or obligations under these Terms without the prior written consent of Spenca.