Effective Date: September 26, 2025
Welcome to PHexpats.com (“we,” “our,” “us”). These Terms of Service (“Terms”) govern your access and use of PHexpats.com (the “Site”), including articles, classifieds, forums, and related services. By using our Site, you agree to these Terms. If you do not agree, please stop using the Site.
1. Eligibility
You must be at least 18 years old to use the Site. By accessing the Site, you confirm you have the legal capacity to agree to these Terms.
2. Content and Information
- Our articles and posts are for general informational purposes only. They are not professional advice (legal, financial, medical, or otherwise).
- We make reasonable efforts to provide accurate information but do not guarantee completeness, timeliness, or accuracy.
- You are responsible for how you use or act on any information from the Site.
3. User Contributions
- If you post in forums, classifieds, or comments, you are solely responsible for your content.
- Do not post unlawful, defamatory, harmful, misleading, or copyrighted content without permission.
- We reserve the right to remove, edit, or block content that violates these Terms or applicable law.
- By posting, you grant PHexpats.com a non-exclusive, worldwide, royalty-free license to use, display, and distribute your content on the Site.
4. Accounts
- Some features require registration. You are responsible for maintaining the security of your account and password.
- We may suspend or terminate accounts that violate these Terms.
5. Intellectual Property
- All Site content, design, and branding are owned by PHexpats.com or its licensors.
- You may use content for personal, non-commercial purposes only.
- Do not copy, distribute, or modify Site content without prior written permission.
6. Third-Party Services and Links
- The Site may contain links to third-party websites or services. We are not responsible for their content or practices.
- Your interactions with third parties are at your own risk.
7. Disclaimers
- The Site is provided “as is” without warranties of any kind.
- We disclaim all warranties, express or implied, including but not limited to fitness for a particular purpose, accuracy, or non-infringement.
8. Limitation of Liability
- To the maximum extent permitted by law, PHexpats.com is not liable for indirect, incidental, or consequential damages arising from your use of the Site.
- Our total liability will not exceed one hundred US dollars (USD $100).
9. Indemnification
You agree to indemnify and hold harmless PHexpats.com, its owners, and contributors from claims, damages, or expenses related to your use of the Site or your violation of these Terms.
10. Termination
We may suspend or terminate your access at any time for any reason, without notice.
11. Changes to Terms
We may update these Terms from time to time. The “Effective Date” will reflect the latest version. Continued use of the Site after changes means you accept the updated Terms.
12. Governing Law
These Terms are governed by the laws of the Republic of the Philippines, without regard to conflict of law rules.
13. Contact Us
If you have questions, please contact us at:
Email: ph******@***il.com