1. Use of Service

You agree to use the Service only for lawful purposes and in accordance with these Terms. You must be at least 13 years old to use the Service.

You are responsible for ensuring that your use of the Service complies with all applicable local, state, national, and international laws and regulations.

2. Accounts

When you create an account with us, you must provide information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account on our Service.

You are responsible for safeguarding the password that you use to access the Service and for any activities or actions under your password.

3. Intellectual Property

The Service and its original content (excluding content provided by users), features, and functionality are and will remain the exclusive property of Topic Breakdown and its licensors. The Service is protected by copyright, trademark, and other laws of both the [Your Country] and foreign countries.

Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of Topic Breakdown.

4. Payments and Subscriptions

Some parts of the Service may be billed on a subscription basis ("Subscription(s)"). You will be billed in advance on a recurring and periodic basis ("Billing Cycle"). Billing cycles are set either on a monthly or annual basis, depending on the type of subscription plan you select when purchasing a Subscription.

At the end of each Billing Cycle, your Subscription will automatically renew under the exact same conditions unless you cancel it or Topic Breakdown cancels it. You may cancel your Subscription renewal either through your online account management page or by contacting customer support.

A valid payment method, including credit card or PayPal, is required to process the payment for your Subscription. You shall provide Topic Breakdown with accurate and complete billing information including full name, address, state, zip code, telephone number, and a valid payment method information.

All payments are non-refundable except as required by law or as explicitly stated in our refund policy (if any).

5. Content Disclaimer

The information generated by the Service is provided for informational purposes only. While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose.

Any reliance you place on such information is therefore strictly at your own risk. The Service uses AI, and the generated content may contain inaccuracies or errors.

6. Limitation of Liability

In no event shall Topic Breakdown, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Service; (ii) any conduct or content of any third party on the Service; (iii) any content obtained from the Service; and (iv) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.

7. Termination

We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.

If you wish to terminate your account, you may simply discontinue using the Service or delete your account if such functionality is available.

8. Governing Law

These Terms shall be governed and construed in accordance with the laws of [Your Jurisdiction, e.g., State of California, USA], without regard to its conflict of law provisions.

9. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Service.

10. Contact Us

If you have any questions about these Terms, please contact us at hangerneil43@gmail.com.