Effective Date: July 22, 2025
1. Agreement to Terms
By accessing or using the CsFactor.com website ("Website"), "Cs Factor" mobile application ("Mobile Application"), or any related products or services (collectively, "Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, you must discontinue use immediately.
2. Eligibility
You must be at least 18 years old or the age of majority in your jurisdiction to use the Services. By using the Services, you represent and warrant that you meet this requirement.
3. Account Registration
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To access certain features, you may be required to create an account.
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You agree to provide accurate and complete information during registration.
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You are responsible for maintaining the confidentiality of your login credentials and all activities under your account.
4. Acceptable Use
You agree not to use the Services for any unlawful or prohibited purpose, including but not limited to:
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Posting defamatory, abusive, obscene, or fraudulent content.
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Attempting to gain unauthorized access to systems, servers, or data.
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Using the Services to transmit viruses or malicious code.
We reserve the right to terminate accounts that violate these Terms.
5. Content Ownership
All content, trademarks, logos, and intellectual property on the Services are owned by Husky Prism Ltd. or its licensors. You may not copy, reproduce, or distribute content without written permission.
User-generated content remains your property, but by submitting it, you grant Husky Prism Ltd. a worldwide, non-exclusive, royalty-free license to use, display, and distribute it.
6. AI-Generated Content
Some content provided via the Services may be partially or fully generated by AI tools. While we strive for accuracy, we do not guarantee error-free content. You are responsible for independently verifying information before relying on it.
7. Payment & Subscriptions
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Paid services or subscriptions will be billed as per the pricing displayed at checkout.
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All payments are final unless otherwise stated in our refund policy.
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We reserve the right to modify pricing, with notice, for future billing cycles.
8. Third-Party Links
Our Services may include links to third-party websites. We are not responsible for the content, privacy policies, or practices of third-party websites.
9. Limitation of Liability
To the fullest extent permitted by law, Husky Prism Ltd. shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of the Services.
10. Indemnification
You agree to indemnify and hold harmless Husky Prism Ltd., its affiliates, employees, and agents from any claims, damages, or liabilities resulting from your use of the Services or violation of these Terms.
11. Privacy Compliance (GDPR & CCPA)
Your privacy is important to us. By using the Services, you acknowledge and agree to our Privacy Policy (below), which explains how we collect, store, and use personal data.
12. Changes to These Terms
We reserve the right to update these Terms at any time. Updated versions will be posted on this page, with the "Effective Date" updated. Continued use of the Services constitutes acceptance of the revised Terms.
13. Governing Law
These Terms are governed by the laws of Ontario, Canada, without regard to its conflict of laws principles.
14. Contact Us
For questions about these Terms, email us at: contact@csfactor.com.
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