Terms and Conditions

Effective Date: March 26, 2024

Welcome to Cost of Living. By accessing or using our website, you agree to comply with and be bound by the following terms and conditions (“Terms”). Please read these Terms carefully before using our site.

1. Acceptance of Terms

By accessing, browsing, or using the Cost of Living website (“the Site”), you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not use the Site.

2. Changes to Terms

We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting to the Site. Your continued use of the Site after any changes have been made constitutes your acceptance of the new Terms.

3. Use of the Site

You agree to use the Site for lawful purposes only and in a manner that does not infringe on the rights of, or restrict or inhibit the use and enjoyment of the Site by, any third party. You agree not to:

• Use the Site in any way that could damage, disable, overburden, or impair the Site.
• Attempt to gain unauthorized access to any portion or feature of the Site, or any other systems or networks connected to the Site.
• Use any automated systems, such as robots or spiders, to access the Site without our permission.

4. Intellectual Property Rights

All content, including text, graphics, logos, images, and software on the Site, is the property of Cost of Living or its content suppliers and is protected by intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, or perform any of the content without our prior written permission.

5. User Content

You may be allowed to submit, post, or display content on the Site (collectively, “User Content”). By submitting User Content, you grant Cost of Living a non-exclusive, royalty-free, worldwide license to use, reproduce, modify, and display such content on the Site. You represent and warrant that you own or have the necessary rights to submit the User Content and that the content does not violate any third-party rights.

6. Links to Third-Party Sites

The Site may contain links to third-party websites that are not owned or controlled by Cost of Living. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites. You acknowledge and agree that Cost of Living is not responsible for any damage or loss caused by or in connection with the use of such third-party websites.

7. Disclaimer of Warranties

The Site is provided on an “as-is” and “as available” basis. Cost of Living makes no representations or warranties of any kind, express or implied, regarding the operation of the Site or the information, content, materials, or products included on the Site. To the fullest extent permissible by applicable law, we disclaim all warranties, express or implied, including but not limited to implied warranties of merchantability and fitness for a particular purpose.

8. Limitation of Liability

In no event shall Cost of Living, its directors, employees, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of the Site, whether based on warranty, contract, tort, or any other legal theory.

9. Indemnification

You agree to indemnify, defend, and hold harmless Cost of Living, its officers, directors, employees, and affiliates from and against any claims, liabilities, damages, losses, or expenses, including reasonable attorneys’ fees, arising out of or in any way connected with your access to or use of the Site, your violation of these Terms, or your infringement of any third-party rights.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Philippines, without regard to its conflict of law principles. Any legal action or proceeding arising under these Terms will be brought exclusively in the courts located in General Santos City, Philippines, and you hereby consent to the personal jurisdiction and venue therein.

11. Termination

We reserve the right, in our sole discretion, to terminate or suspend your access to the Site at any time, for any reason, including but not limited to a breach of these Terms, without notice or liability.

12. Contact Information

If you have any questions or concerns about these Terms, please contact us at:

Smart D.
smartgeraldez12@gmail.com
Prk 18 Lot 2 Block 6 Fatima Uhaw
General Santos City, Philippines