Terms and conditions

Terms of Service

Effective date: March 1, 2026

Welcome to OpenOSes (the “Website”), available at
https://openoses.com/.
These Terms of Service (“Terms”) govern your access to and use of the Website and any content, features, and services offered on or through it (collectively, the “Services”).

By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, please do not use the Services.

1) Who We Are

The Services are operated by [Legal Name / Company Name] (“we,” “us,” or “our”).
You can contact us at: [contact@openoses.com].

2) Eligibility

You must be at least 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) Changes to the Services or These Terms

We may modify or discontinue any part of the Services at any time. We may also update these Terms from time to time.
The “Effective date” at the top indicates when the latest changes were made. Your continued use of the Services after changes become effective means you accept the updated Terms.

4) Accounts, Comments, and Community Features

Some features may allow you to create an account, comment, vote, save collections, or otherwise interact (“User Features”).

You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account.
You agree not to use the Services for unlawful, abusive, harassing, defamatory, hateful, or fraudulent purposes.
We may remove content, suspend accounts, or restrict access if we believe you violate these Terms or harm the Services or other users.

5) User Content

“User Content” means anything you submit or post to the Services (e.g., comments, usernames, profile info, or uploads).

You retain ownership of your User Content.
By submitting User Content, you grant us a worldwide, non-exclusive, royalty-free, transferable license to host, store, reproduce, modify (for formatting/display),
publish, display, and distribute your User Content solely to operate, improve, and provide the Services.
You represent and warrant that you have all rights necessary to submit the User Content and that it does not infringe any third-party rights.

6) Prohibited Conduct

You agree not to:

Violate any applicable law or regulation.
Post or transmit malware, spyware, or any code intended to harm or disrupt systems.
Attempt to gain unauthorized access to the Services or related systems.
Scrape, crawl, or harvest content or data in a way that unreasonably burdens the Services (except as permitted by law or by written permission).
Impersonate any person or entity or misrepresent your affiliation.
Use the Services to send spam, unsolicited promotions, or deceptive communications.

7) Intellectual Property

The Services and all content provided by us (including text, graphics, logos, layout, and design) are owned by us or our licensors and are protected by intellectual property laws.
Except as expressly allowed, you may not copy, reproduce, distribute, modify, create derivative works of, publicly display, or exploit our content without written permission.

8) Content on the Website (Information Only — No Professional Advice)

OpenOSes publishes articles and informational content that may discuss topics such as insurance, loans, mortgages, personal finance, business, and related subjects.
The content is provided for general informational and educational purposes only.

We are not a financial institution, insurer, broker, lender, investment advisor, or legal/tax advisor unless explicitly stated.
You should not rely on our content as a substitute for professional advice tailored to your situation.
Always verify details directly with official sources and qualified professionals before making decisions.

9) Affiliate Links, Ads, and Sponsored Content

The Website may include advertisements, affiliate links, or sponsored placements. This means we may earn a commission or revenue if you click links or make purchases through certain links,
at no extra cost to you (unless stated otherwise).

We strive to present content fairly, but compensation may influence what we publish and how items are displayed.
Third-party sites have their own terms and privacy policies; we are not responsible for their content, products, or services.

10) Third-Party Links and Services

The Services may link to third-party websites or services that we do not control. We are not responsible for third-party content, policies, or practices.
Your dealings with third parties are solely between you and the third party.

11) Disclaimer of Warranties

The Services are provided on an “AS IS” and “AS AVAILABLE” basis. To the maximum extent permitted by law, we disclaim all warranties, express or implied,
including merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the Services will be uninterrupted, error-free, secure, or free of viruses or other harmful components.

12) Limitation of Liability

To the maximum extent permitted by law, in no event will we (or our affiliates, directors, employees, partners, or licensors) be liable for any indirect, incidental,
special, consequential, or punitive damages, or any loss of profits, data, goodwill, or other intangible losses arising out of or related to your use of (or inability to use) the Services.

To the maximum extent permitted by law, our total liability for any claim relating to the Services will not exceed the amount you paid us (if any) to use the Services in the
twelve (12) months preceding the event giving rise to the claim.

13) Indemnification

You agree to defend, indemnify, and hold harmless us and our affiliates, officers, employees, and agents from and against any claims, liabilities, damages, judgments, awards,
losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or related to your violation of these Terms, your User Content, or your misuse of the Services.

14) DMCA / Copyright Complaints (If Applicable)

If you believe content on the Website infringes your copyright, you may contact us at
[contact@openoses.com]. with:

Your name and contact information
A description of the copyrighted work you claim has been infringed
The URL(s) of the allegedly infringing material
A statement that you have a good-faith belief the use is not authorized
A statement made under penalty of perjury that the information is accurate and you are the copyright owner or authorized to act on the owner’s behalf
Your physical or electronic signature

15) Termination

We may suspend or terminate your access to the Services at any time, with or without notice, if we believe you have violated these Terms or if we choose to discontinue the Services.
Sections that by their nature should survive termination (e.g., disclaimers, limitation of liability, indemnification) will survive.

16) Governing Law

These Terms will be governed by and construed in accordance with the laws of [Your Country/Emirate/State], without regard to conflict of law principles.
You agree that any dispute arising out of or relating to these Terms or the Services will be subject to the exclusive jurisdiction of the courts located in
[Your City/Country], unless applicable law requires otherwise.

17) Miscellaneous

Severability: If any provision is found unenforceable, the remaining provisions will remain in effect.
No waiver: Our failure to enforce any right or provision is not a waiver of that right or provision.
Entire agreement: These Terms constitute the entire agreement between you and us regarding the Services.

18) Contact

Questions about these Terms? Contact us at:
[contact@openoses.com].