Terms of Service

Acceptance of Terms

These Terms of Service govern your use of spacephylla and its services. By accessing and using our website, you agree to be bound by these terms. We provide financial literacy guides, household budget planning resources, expense categorization tools, and smart shopping strategies specifically tailored for Irish families. If you do not agree with any part of these terms, you should not use our services. Your continued use of our platform constitutes your acceptance of these terms and any updates we may make.

User Obligations

As a user of our services, you agree to use our website responsibly and lawfully. You must not engage in any activity that disrupts, interferes with, or damages our platform or its functionality. We expect all users to respect intellectual property rights, refrain from posting offensive or harmful content, and comply with all applicable Irish and international laws. You are responsible for maintaining the confidentiality of any account information and for all activities conducted through your account. We reserve the right to suspend or terminate access to users who violate these obligations or engage in abusive behaviour.

Intellectual Property Rights

All content on our website, including text, images, guides, tools, and financial advice, is protected by copyright and other intellectual property laws. We own or have licensed all materials presented on our platform. You may view and print content for personal, non-commercial use only. You may not reproduce, distribute, modify, or transmit any content without our express written permission. Unauthorised use of our intellectual property violates these terms and applicable law. We actively protect our content and reserve all rights. Users who wish to use our materials for educational or commercial purposes must contact us for proper licensing arrangements.

Limitation of Liability

Our website provides general financial information for educational purposes only. We do not provide personalised financial advice or recommendations. The information presented is not a substitute for professional financial, legal, or tax advice from a qualified professional. While we strive to provide accurate and helpful content, we make no warranties regarding the accuracy, completeness, or reliability of any information on our site. To the maximum extent permitted by law, we are not liable for any indirect, incidental, or consequential damages arising from your use of our services. Users rely on our content at their own discretion and assume full responsibility for decisions made based on the information provided.

Termination of Service

We reserve the right to terminate or suspend your access to our services at any time and for any reason, including violation of these terms. Termination may be immediate and without notice if we determine you have engaged in unlawful activity, infringement of rights, or abuse of our platform. Upon termination, your right to access our services ceases immediately. We may also terminate our services or specific features at our discretion. These terms will continue to apply even after termination regarding any liabilities or obligations incurred during your use. Users who have questions about termination or account suspension should review our policies or contact us for clarification.

Updates to These Terms: We may update these Terms of Service from time to time to reflect changes in our services, legal requirements, or other operational needs. Your continued use of our website following any changes constitutes acceptance of the updated terms. We encourage you to review these terms periodically to stay informed of any modifications. The date at the top of this page indicates when these terms were last updated. If you have concerns about changes to our terms, please contact us before continuing to use our services.