1. Acceptance of Terms

By accessing nfand.co (the "Website"), you agree to comply with these Terms and Conditions ("Terms"). If you do not agree with these Terms, you must discontinue use of the Website.

2. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page, and your continued use of the Website after updates constitutes acceptance of the revised Terms.

3. Use of the Website

You agree to use the Website for lawful purposes only and not to:

• Disrupt, damage, or interfere with the Website’s functionality.
• Attempt unauthorized access to data, servers, or accounts.
• Misuse, copy, or distribute Website content without written permission.
• Engage in any conduct that violates applicable laws or regulations.

3.1 Age Restriction

This Website is intended for individuals 18 years of age or older. By using this Website, you represent that you are at least 18 years old. If you are under 18, you must discontinue use of the Website immediately.

3.2 Non-Use by EU Residents

This Website is intended for users in the United States. If you are located in the European Union (EU), you should not use this Website.

4. Intellectual Property Rights

All content on this Website, including articles, graphics, trademarks, and logos, is owned by nfand.co or its licensors. Unauthorized reproduction, distribution, or modification of any content is prohibited.
If you believe your intellectual property has been used improperly on this Website, you may submit a DMCA takedown request (see Section 9).

5. Third-Party Links

The Website may contain links to third-party sites for informational purposes. We are not responsible for the content, privacy policies, or business practices of these third-party websites.

6. No Warranties & Disclaimer of Liability

6.1 Content Accuracy

We strive to provide accurate and up-to-date information, but we do not guarantee the completeness, accuracy, or reliability of content on this Website.

6.2 No Warranties

The Website is provided "as is" and without warranties of any kind, whether express or implied, including but not limited to merchantability, fitness for a particular purpose, and non-infringement.

6.3 Limitation of Liability

To the fullest extent permitted by law, nfand.co and its affiliates disclaim all liability for any direct, indirect, incidental, consequential, or punitive damages arising from:

• Your use of (or inability to use) the Website.
• Reliance on any content or information provided.
• Any errors, security breaches, or disruptions.

7. California and New York Consumer Rights

7.1 California Privacy Rights (CCPA)

California residents may have additional rights regarding their personal information. See our Privacy Policy for details on how to request access to or deletion of your data.

7.2 New York Consumer Protection Compliance

We comply with applicable New York consumer protection laws and ensure transparency in advertising and affiliate disclosures.

8. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of Delaware, without regard to conflicts of law principles.
Any disputes shall be resolved exclusively in Delaware state or federal courts, and you consent to jurisdiction in Delaware.

9. DMCA Policy (Copyright Infringement Claims)

If you believe that your copyrighted content has been used on our Website without authorization, you may submit a DMCA takedown request by contacting: hello@nfand.co
Your request should include:

• A description of the copyrighted work.
• The location of the infringing material.
• Your contact information.
• A statement that you have a good faith belief that the use is unauthorized.

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