Terms and Conditions:

Welcome to our website, www.ef-mf-initiative.org (the "Site"). By accessing or using the Site, you ("you," "your," or "User") agree to be bound by these terms and conditions (the "Terms of Use"). If you do not agree to all of the Terms of Use, please do not use the Site.

1. Acceptance of terms

By accessing or using the www.ef-mf-initiative.org website (the "Site"), you ("you," "your," or "User") agree to be bound by these terms and conditions (the "Terms of Use"). If you do not agree to all of the Terms of Use, please do not use the Site.

2. Changes to the Terms of Use

We reserve the right, at our sole discretion, to modify or replace the Terms of Use at any time. If the alterations constitute a material change to the Terms of Use, we will notify you by posting an announcement on the Site. What constitutes a "material change" will be determined at our sole discretion. Your continued use of the Site following the posting of any changes to the Terms of Use constitutes acceptance of those changes.

3. Use of the Site

The Site is for your personal and non-commercial use. You may not use the Site or any content contained on the Site for any unlawful or unauthorized purpose. You may not use the Site in any manner that could damage, disable, overburden, or impair the Site or interfere with any other party's use and enjoyment of the Site.

4. Prohibited Conduct

You may not use the Site to engage in any of the following prohibited conduct:

1. Posting or transmitting any content that is illegal, libelous, defamatory, obscene, pornographic, abusive, offensive, or otherwise inappropriate
2. Harvesting or collecting personal information about other Users without their consent
3. Engaging in any unsolicited advertising, marketing, or other activities
4. Using the Site to engage in any fraudulent or deceptive practices

We reserve the right to terminate your access to the Site for any violation of these Terms of Use or for any other reason at our sole discretion.

5. User Content

The Site may allow Users to post, upload, or transmit content, including but not limited to text, images, and video ("User Content"). By posting or transmitting User Content on or through the Site, you represent and warrant that you have the right to do so and that such User Content does not violate these Terms of Use. You also grant us a non-exclusive, perpetual, irrevocable, royalty-free, worldwide license to use, reproduce, modify, publish, distribute, and display your User Content in any format and on any platform.

We do not endorse any User Content and we are not responsible for any errors, omissions, or other inaccuracies contained in any User Content. We reserve the right to remove any User Content from the Site at any time for any reason or no reason at all.

6. Intellectual Property

The Site and all content and materials contained on the Site, including but not limited to text, graphics, images, and software, are the property of www.ef-mf-initiative.orgor its licensors and are protected by copyright and trademark laws. You may not use any content or materials on the Site for any commercial purpose without the express written consent of www.ef-mf-initiative.org.

7. Disclaimer of Warranties

THE SITE AND ALL CONTENT AND MATERIALS CONTAINED ON THE SITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE MAKE NO WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE OR ANY CONTENT OR MATERIALS CONTAINED ON THE SITE WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED.

8. Limitation of Liability

WE SHALL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THE SITE OR ANY CONTENT OR MATERIALS CONTAINED ON THE SITE, INCLUDING BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES.

9. Indemnification

You agree to indemnify and hold www.ef-mf-initiative.org and our affiliates, officers, agents, and employees harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use of the Site, your violation of these Terms of Use, or your violation of any rights of another.

10. Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the Philippines, without giving effect to any principles of conflicts of law. You agree that any action at law or in equity arising out of or relating to these Terms of Use shall be filed only in the country and federal courts located in the Philippines and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action.