This website is operated by Out Loud Media DMCC, a digital agency specialized in providing content, including digital products, web designs, and computer graphics. These Terms and Conditions ("Terms") govern your access to and use of our websites www.outloud-media.com and www.nowyoucanafford.com ("Websites"), as well as any services, products, or content offered therein. Our Company is registered under the name Out Loud Media DMCC, with its principal place of business at UAE – Dubai - DMCC Business Centre - Level No. 1, Unit No: 1820, Jewellery & Gemplex 3.

By accessing or using the Websites, you acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and any other applicable agreements or policies. If you do not agree with these Terms, you must not access or use the Websites. We reserve the right to modify or amend these Terms at any time, and your continued use of the Websites constitutes acceptance of those changes.

In these Terms, certain words and phrases shall have the following meanings:

"Services" refers to the digital products, content, books, web designs, computer graphics, and other services provided by the Company.

"User" or "you" refers to any individual or entity accessing or using the Websites or Services.

"Content" refers to any text, graphics, images, or other materials on the Websites.

Out Loud Media DMCC offers a range of digital services, including but not limited to digital products, internet content, ebooks, web designs, and computer graphics. The Services are provided as described on the Websites and may be subject to additional terms, conditions, or agreements. The Company reserves the right to modify, enhance, or discontinue any Services at its sole discretion.

To access certain Services, you may be required to create an account. You must provide accurate and complete information during account registration and keep this information up to date. You are responsible for maintaining the confidentiality of your account credentials and are solely responsible for all activities that occur under your account. The Company shall not be liable for any loss or damage arising from unauthorized access to or use of your account.

If Out Loud Media DMCC offers digital products for licensing, the specific terms and conditions of such licenses will be provided at the time of purchase or download. Users must comply with all licensing terms and may not exceed the scope of the license granted.

Users are prohibited from using any web designs, graphics, or other content provided by Out Loud Media DMCC in a manner that is misleading, deceptive, defamatory, obscene, or otherwise objectionable, or that violates any laws, regulations, or third-party rights.

If Out Loud Media DMCC offers custom design services, the terms, conditions, pricing, and deliverables for such services will be agreed upon in a separate written agreement between the Company and the client.

By providing Out Loud Media DMCC with your method of payment information (credit or debit card), you authorize us to charge you for the items purchased using the secure third-party payment processor we make available to you. You must keep all information about your payment method current. If you inform us to stop using your payment method and we no longer receive payment from you, your notice to us will not affect charges to your account before we reasonably could act on your request.

The pricing for our Services is as described on the Websites or as otherwise provided to you in writing. All prices are exclusive of taxes, levies, or duties imposed by taxing authorities, and you shall be responsible for payment of all such amounts. We reserve the right to change the prices for our Services at any time, and any such changes will be communicated to you in advance.

Out Loud Media DMCC offers two types of products: Printed Books and Digital Products. The specific terms, conditions, and policies related to these products will be provided at the time of purchase or are available on the Websites. We reserve the right to modify or discontinue any product at our sole discretion.

Please refer to our Shipping, Returns and Refunds policy for more information on this section.

The authors and publishers of the printed and digital books offered by Out Loud Media DMCC do not dispense business or professional advice, only information of a general nature to assist you in your quest for knowledge or success. These books are not designed to be definitive guides or to replace advice from qualified professionals. There is no guarantee that the methods or information contained in these books will lead to success; final results depend on many variables. Neither Out Loud Media DMCC, the authors, nor the publishers assume liability for any losses sustained by the use of the methods or information described in these books, and any such liability is expressly disclaimed. In the event you use any of the information in these books for yourself, Out Loud Media DMCC, the authors, and the publishers assume no responsibility for your actions. All brand names, examples, advertising materials, logos, and photos in these books are copyrighted by their respective owners and used for research and education purposes only.

The Company shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Services; (ii) any unauthorized access to or use of our servers and/or any personal information stored therein; (iii) any interruption or cessation of transmission to or from the Services; (iv) any bugs, viruses, or similar that may be transmitted to or through our Services by any third party; or (v) any errors or omissions in any content or for any loss or damage incurred as a result of the use of any content posted, transmitted, or otherwise made available through the Services.

These Terms shall be governed by and construed in accordance with the laws of UAE - Dubai, without regard to its conflict of law principles. Any legal suit, action, or proceeding arising out of or related to these Terms or the Websites shall be instituted exclusively in the courts of UAE - Dubai, and you waive any objections to such jurisdiction.

Users are responsible for complying with all applicable laws and regulations in connection with their use of the Websites and Services. This includes, but is not limited to, not engaging in any unlawful, fraudulent, or abusive conduct, not infringing upon the intellectual property rights of others, and not introducing malicious software or harmful content into the Websites.

The Company reserves the right to terminate or suspend your account and access to the Services at its sole discretion, without notice, for conduct that the Company believes violates these Terms or is harmful to other Users, the Company, third parties, or for other lawful purposes. Upon termination, all rights and obligations under these Terms shall cease, except that any obligations or liabilities that by their nature should survive termination shall continue in effect beyond termination.

All intellectual property rights in the Websites, Services, and Content, including but not limited to copyrights, trademarks, trade secrets, and patents, are owned by the Company or its licensors. You may not use, reproduce, distribute, modify, or create derivative works from the Content without express written permission from the Company.

Please refer to the Copyrights policy for more information on this section.

Your use of the Websites and Services is also governed by our Privacy Policy. The Privacy Policy describes how we collect, use, and disclose your personal information and should be read in conjunction with these Terms.

The website may feature testimonials and feedback from individuals who have used our products and/or services. These testimonials are authentic accounts of the experiences and viewpoints of these particular users. However, it's important to note that these experiences are unique to each individual and may not necessarily represent the typical experience of all users of our products and/or services. We do not assert, and you should not assume, that every user will encounter the same outcomes. YOUR RESULTS MAY DIFFER.

If you provide a testimonial or feedback regarding our Services, you grant us the right to use, reproduce, modify, and publish such testimonials, including your name and likeness, for marketing and promotional purposes, without any compensation to you. If you wish to update or delete your testimonial, please contact us.

The Websites may contain links to third-party websites or services that are not owned or controlled by the Company. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services. We do not endorse or make any representations about third-party websites or services, and your access to and use of such sites and services is at your own risk.

The Websites, Services, and Content are provided "as is" and "as available" without any warranties of any kind, either express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. The Company makes no representations or warranties that the Websites, Services, or Content will meet your requirements, be uninterrupted, timely, secure, or error-free.

Users may not copy, reproduce, distribute, modify, create derivative works from, or otherwise exploit any content, information, or materials provided on the Websites or through the Services without express written permission from the Company. Any unauthorized use of the content may result in legal action.

Users are prohibited from violating or attempting to violate the security of the Websites or Services, including but not limited to accessing data not intended for the User, logging into a server or account that the User is not authorized to access, or attempting to probe, scan, or test the vulnerability of the system.

Users must comply with all applicable local, state, national, and international laws and regulations when accessing or using the Websites and Services. The Company reserves the right to report any suspected illegal activity to law enforcement authorities.

You agree to indemnify, defend, and hold harmless the Company, its affiliates, officers, directors, employees, agents, licensors, and suppliers from and against all claims, losses, liabilities, expenses, damages, and costs, including reasonable attorneys' fees, arising from or related to your use of the Websites, Services, or Content, your violation of these Terms, or your infringement of any intellectual property or other rights of any person or entity.

The Company shall not be liable for any failure or delay in performing its obligations under these Terms due to circumstances beyond its reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, labor disputes, government actions, or interruptions in telecommunications, transportation, or utilities.

Certain Services or features of the Websites may have additional or different terms, conditions, or policies that apply. These special policies and terms will be provided to you at the time you access or use the relevant Services or features and are incorporated into these Terms by reference. You must comply with such special policies and terms, and any conflict between these Terms and such special policies or terms shall be resolved in favor of the special policies or terms.

The Company reserves the right to amend or modify these Terms at any time and at its sole discretion. Any changes to these Terms will be posted on the Websites, and the "Last Updated" date at the top of these Terms will be revised. Your continued use of the Websites or Services after any changes to these Terms are posted constitutes your acceptance of the revised Terms.

If any provision of these Terms is found to be unlawful, void, or unenforceable, such provision shall be deemed severed from these Terms and shall not affect the validity and enforceability of the remaining provisions.

Entire Agreement: These Terms, together with any other agreements or policies referenced herein, constitute the entire agreement between you and the Company regarding the Websites and Services and supersede all prior agreements or understandings, whether written or oral.

Waiver: No waiver of any provision of these Terms shall be deemed a further or continuing waiver of such provision or any other provision, and the Company's failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

Assignment: You may not assign or transfer your rights or obligations under these Terms without the prior written consent of the Company. The Company may assign or transfer its rights and obligations under these Terms without restriction.

Contact Information: For any questions, comments, or concerns regarding these Terms, please contact us at support@nowyoucanafford.com

If you have any complaints, feedback, or questions about the Websites, Services, or Content, please contact us at support@nowyoucanafford.com.

We will make reasonable efforts to address and resolve your concerns in a timely and professional manner.