1. Agreement to Terms These Terms and Conditions (“Terms”) govern your access to and use of the services provided by Benav Trust (“we,” “our,” or “us”). By accessing or using our services, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use our services.

2. Use of Services You must be at least 18 years old to use our services. You agree to use our services only for lawful purposes and in accordance with these Terms. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.

3. Intellectual Property All content, trademarks, logos, and intellectual property displayed on our website and mobile applications are owned by or licensed to us. You may not use, copy, reproduce, distribute, or modify any of our intellectual property without our prior written consent.

4. Privacy Our Privacy Policy governs the collection, use, and disclosure of your personal information. By using our services, you consent to the collection and use of your information in accordance with our Privacy Policy.

5. Disclaimer of Warranties Our services are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, error-free, or free from viruses or other harmful components.

6. Limitation of Liability In no event shall we be liable for any indirect, incidental, special, consequential, or punitive damages, including lost profits, arising from or related to your use of our services, even if we have been advised of the possibility of such damages.

7. Governing Law These Terms shall be governed by and construed in accordance with the laws of [Jurisdiction]. Any dispute arising out of or related to these Terms shall be subject to the exclusive jurisdiction of the courts of [Jurisdiction].

8. Changes to Terms We reserve the right to modify or update these Terms at any time without prior notice. Any changes will be effective immediately upon posting on our website. Your continued use of our services after the posting of revised Terms constitutes your acceptance of such changes.