Terms of Service | 40 at 20

These Terms & Conditions ("Terms") govern your access to and use of the 40 at 20 website, platform, and services ("Service"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, you may not use the Service.

1. Description of Service

40 at 20 is a platform for discovering, saving, and contributing life lessons. The service helps users browse perspective-driven stories, keep their own library of useful lessons, and submit experiences that may help other people learn sooner.

We may update or modify features at any time to improve the Service.

2. Eligibility

Users must be at least 18 years old and have the legal authority to enter into binding agreements. By using the Service, you represent that you meet these requirements.

3. Account Registration

To access certain parts of the Service, you must create an account and provide accurate information. You are responsible for:

Maintaining the confidentiality of your login credentials.
All activities occurring under your account.
Immediately notifying us of any unauthorised use of your account.

We are not liable for any loss resulting from unauthorised account access.

4. Acceptable Use

You agree not to:

Use the Service for unlawful, harmful, abusive, or misleading purposes.
Attempt to reverse-engineer, copy, or interfere with the Service.
Submit content that is unlawful, hateful, harmful, defamatory, or infringing.
Use automated methods to access or extract data from the platform without permission.
Misrepresent your identity or the origin of lesson submissions.

We reserve the right to suspend or terminate accounts that violate these Terms.

5. User Content

"User Content" includes lesson submissions, text, stories, and materials you upload or input into the Service.

By using the Service, you:

Retain all ownership rights to your User Content.
Grant us a limited licence to process, store, review, and display your User Content solely for the purpose of operating and improving the Service.

You are responsible for ensuring your User Content does not violate any applicable laws or rights of third parties.

6. Moderation and Publication

40 at 20 may review, edit, decline, or remove submissions in order to maintain the quality, safety, and usefulness of the platform. Submission does not guarantee publication.

7. Intellectual Property Rights

All rights, title, and interest in the Service, including software, branding, design, and site content excluding User Content, belong to 40 at 20.

You are granted a limited, non-exclusive, non-transferable licence to use the Service for your personal use in accordance with these Terms.

8. Privacy

Your use of the Service is subject to our Privacy Policy, which explains how your data is collected, used, and protected.

9. Third-Party Services

The Service may integrate with third-party platforms or providers in order to deliver its functionality. Their use is subject to their own terms and policies.

10. Termination

We may suspend or terminate your account if you violate these Terms or use the platform in a way that creates legal, safety, or operational risk.

Upon termination, your licence to use the Service ends immediately, and we may retain or delete your data in accordance with our retention practices and legal obligations.

11. Disclaimers

The Service is provided "as is" and "as available" without warranties of any kind.

We do not guarantee:

That every lesson or submission is complete, accurate, or suitable for your situation.
Uninterrupted or error-free service.
That the Service will meet your specific requirements.

12. Limitation of Liability

To the maximum extent permitted by law, 40 at 20 shall not be liable for indirect, incidental, or consequential damages, loss of data, loss of business opportunity, or any claim exceeding the amount you paid us, if any, in the prior 12 months.

13. Indemnification

You agree to indemnify and hold harmless 40 at 20 against any claims, damages, or liabilities arising from your use of the Service, your User Content, or your violation of these Terms or third-party rights.

14. Changes to Terms

We may update these Terms at any time. Continued use of the Service after changes constitutes acceptance of the updated Terms.

15. Governing Law

These Terms are governed by the laws of the applicable jurisdiction, without regard to conflict of laws principles.

16. Contact Information

40 at 20

Email: hello@40at20.com

Website: https://40at20.com