Terms and Conditions

Last Updated: January 2025

1. Acceptance of Terms

By accessing, browsing, or using the Livingpaths website ("Website"), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, as well as our Privacy Policy. If you do not agree with any part of these terms, you must not use our Website.

These terms apply to all visitors, users, and others who access or use the service. We reserve the right to modify these terms at any time, and such modifications will be effective immediately upon posting on the Website.

---

2. Description of Services

Livingpaths provides informational content, practical tips, and resources related to managing utility payments for large families. Our services include but are not limited to:

• Educational articles and guides on reducing household expenses
• Practical habits and strategies for utility cost management
• Tips for energy efficiency and water conservation
• Budget planning resources for families
• Community support and shared experiences

All information provided is for educational and informational purposes only and should not be considered as professional financial or legal advice.

3. User Responsibilities

As a user of our Website, you agree to:

1. Provide Accurate Information: When submitting any information through our Website, you agree to provide true, accurate, current, and complete information.
2. Lawful Use: Use the Website only for lawful purposes and in accordance with these Terms and Conditions.
3. Prohibited Activities: You may not use our Website to:
   • Transmit any unlawful, threatening, abusive, defamatory, or obscene material
   • Violate any applicable local, national, or international law
   • Infringe upon the intellectual property rights of others
   • Distribute viruses or any other harmful computer code
   • Attempt to gain unauthorized access to our systems or networks
4. Account Security: If you create an account on our Website, you are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

4. Intellectual Property Rights

All content on the Livingpaths website, including but not limited to text, graphics, logos, images, audio clips, digital downloads, data compilations, and software, is the property of Livingpaths or its content suppliers and is protected by international copyright laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Website without prior written consent from Livingpaths, except for:

• Personal, non-commercial use
• Temporary storage by a web browser for display purposes
• Printing or downloading one copy of a reasonable number of pages for personal use

---

5. Disclaimer of Warranties

The information provided on this Website is for general informational purposes only. While we strive to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the Website or the information, products, services, or related graphics contained on the Website.

6. Limitation of Liability

In no event shall Livingpaths, its directors, employees, partners, agents, suppliers, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of or inability to access or use the Website
• Any conduct or content of any third party on the Website
• Any content obtained from the Website
• Unauthorized access, use, or alteration of your transmissions or content

7. External Links

Our Website may contain links to third-party websites or services that are not owned or controlled by Livingpaths. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that Livingpaths shall not be responsible or liable, directly or indirectly, for any damage or loss caused by or in connection with the use of any such content, goods, or services available on or through any such websites or services.

8. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information in connection with your use of the Website is described in our Privacy Policy. By using our Website, you consent to the collection and use of information as outlined in our Privacy Policy.

We implement appropriate technical and organizational measures to protect your personal data against unauthorized or unlawful processing, accidental loss, destruction, or damage.

---

9. User-Generated Content

Our Website may allow users to post comments, feedback, or other content. By submitting content to our Website, you grant Livingpaths a non-exclusive, worldwide, royalty-free, perpetual, irrevocable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content.

You represent and warrant that you own or control all rights to the content you post and that such content does not violate these Terms and Conditions or any applicable law.

10. Indemnification

You agree to defend, indemnify, and hold harmless Livingpaths and its licensee and licensors, and their employees, contractors, agents, officers, and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses arising from:

• Your use and access of the Website
• Your violation of any term of these Terms and Conditions
• Your violation of any third-party right, including without limitation any copyright, property, or privacy right

11. Termination

We may terminate or suspend your access to our Website immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms and Conditions. Upon termination, your right to use the Website will immediately cease.

12. Governing Law

These Terms and Conditions shall be governed and construed in accordance with the laws of Bulgaria, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

13. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Website after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Website.

---

14. Contact Information

If you have any questions about these Terms and Conditions, please contact us:

15. Severability

If any provision of these Terms and Conditions is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

16. Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any other legal notices published by us on the Website, constitute the entire agreement between you and Livingpaths concerning your use of the Website and supersede all prior agreements and understandings with respect to the same.