Last updated: February 23, 2025

Please read these Terms of Service (hereinafter - the “Terms”) carefully before using the Munay Platform and/or Services (as defined below). If you do not accept these Terms in their entirety, including the agreement to arbitrate on an individual basis any claims between you and Munay Live LLC (referred to as “Munay,” “we,” and “us”), a corporation registered and organized under the laws of the state of Delaware, you must not access or use the Munay Platform.

DEFINITIONS

To provide clarity and ensure consistent understanding, the following terms are defined as they are used throughout this agreement:

  • Practitioner: An individual offering Third Party Services via the Munay Platform. Practitioners may include professionals providing guidance, consultation, insights, or specialized expertise.
  • Customer: A registered user of the Munay Platform seeking to engage Practitioners for Third Party Services.
  • Munay Platform: The collective digital ecosystem comprising Munay’s website, related mobile applications, and software tools enabling interactions between Customers and Practitioners.
  • Third Party Services: Services provided by Practitioners through the Munay Platform, which may include consultations, guidance, or other expertise offered independently by Practitioners.
  • Services: The features and functionalities offered by Munay, including but not limited to facilitating connections between Customers and Practitioners, search, community features, directory, communications, payment processing, customer support, and the provision of the Munay Platform.
  • User: Any individual or entity accessing the Munay Platform, including but not limited to Customers, Practitioners, or visitors.
  • Session Recording: Video or audio recordings of interactions conducted on the Munay Platform, primarily for quality assurance or compliance purposes.
  • Personal Data: Information relating to an identified or identifiable individual that is collected, stored, or processed by Munay.
  • Privacy Policy: Munay’s documented practices regarding the collection, use, and protection of Personal Data.
  • Refund and Payment Policy: Munay’s policy governing payment transactions, refunds, and related financial terms.
  • Terms of Service ("Terms"): The legally binding agreement between Users and Munay that governs access to and use of the Munay Platform and Services.

GENERAL INFORMATION

1.1. Terms of Service

These Terms describe the terms and conditions applicable to your access and use of the website, located at https://Munay.live, and its sub-domains (the “Website”), related mobile device application, and software (collectively with the Website, the “Munay Platform”). Use of the Services is subject to these Terms and any other rules or policies published on the Website or otherwise made available to you by Munay.

You understand that by creating an account on the Munay Platform, you enter into a legally binding contract with Munay with effect from this date and indicate your unconditional acceptance of these Terms. These Terms, as well as the Refund and Payment Policy, and Privacy Policy, are legally binding agreements governing the relationship between Munay and any User (as defined below) or visitor of the Munay Platform. As a User or a visitor of the Munay Platform, the collection, use, and sharing of your personal data are subject to the Privacy Policy as may be amended from time to time.

This agreement is only valid for individuals who are at least 18 years of age. If the individual is between the ages of 13 and 17, the agreement is valid only with the express written consent and active presence of a parent or legal guardian during the execution of this contract. For individuals aged 13 to 17, the undersigned parent or legal guardian agrees to be present during the execution of this agreement.

1.2. Munay Services

The Munay Service is a search, directory, and communications platform for enabling the connection between individual Customers seeking to obtain services from Practitioners and/or individuals or companies seeking to provide such services (“Third Party Services”). The Company does not guarantee or warrant, and makes no representations regarding, the reliability, quality, or suitability of such Third Party Services nor the third-party advisors/providers. When interacting with providers/advisors, you should exercise caution and common sense.

You may access and use the Munay Platform as:
(i) a registered user seeking online Third Party Services by using the Munay Platform or other tools made available by Munay (the “Customer”);
(ii) a registered user providing online Third Party Services via the Munay Platform or other tools made available by Munay (the “Practitioner”); or
(iii) a visitor of the Website, including the Munay Blog.

Throughout these Terms, “you” or “your” may refer, as applicable, to the User, the Practitioner, or a visitor accessing or using any of our Services (each the “User”).

Munay services include access to the Munay Platform for Customers and Practitioners to connect for Third Party Services, facilitation of payments between Customers and Practitioners, and customer support and related services (the “Services”). Munay does not provide Third Party Services.

You are responsible for obtaining and paying for any equipment and Internet service necessary to access the Services. We may alter, suspend, or discontinue the Munay Platform or the Services in whole or in part, at any time and for any reason, without notice. The Munay Platform may also become unavailable periodically due to maintenance or malfunction of computer equipment or other reasons.

We may provide access to third-party services and products from time to time or to our own products or Services. You acknowledge that the Munay Platform is evolving and that the form and nature of the Services may change from time to time without notice to you.

1.3. Amendments to these Terms

We reserve the right to amend or modify these Terms at any time by posting a revised version on the Website and by notifying you through the Munay Platform or via the email address associated with you in case of a material change. The latest version is published on this page.

We encourage you to check this page regularly. If you do not agree with the amendments to these Terms, you have the right to terminate these Terms by discontinuing your use of the Services and providing a termination notice to Munay or deleting your account. By continuing to use the Services following the amendment of these Terms, you consent to be bound by the Terms as amended.

OBLIGATIONS

2.1. Services Eligibility
Services are available only to and may only be used by individuals who are 18 years and older and who can form legally binding contracts under applicable law. Individuals under the age of 18 but not younger than the age of 13 can use our Services only in conjunction with and under the supervision of a parent or a legal guardian. The parent or the legal guardian shall at all times be responsible for any and all activities related to the use of the Services by the aforementioned individuals. You agree and confirm that you will not allow any individual younger than the age of 13 to use the Services.

2.2. Verification
Munay may request a Practitioner to provide a government-issued ID (passport, driver’s license, etc.) and the documents confirming the claimed Practitioner credentials (educational background documents, such as diplomas, certificates, etc.). The Practitioner may be asked to upload a copy of the Practitioner's government-issued ID and their educational document(s).

Munay does not endorse or make any representations or warranties regarding the accuracy, completeness, and reliability of any information provided by the Practitioner within the verification procedure.

Munay cannot confirm that each User is who they claim to be. You agree and understand that you assume all risks when using the Services, including, without limitation, any and all of the risks associated with any online or offline interactions with other Users.

When interacting with other Users, you should exercise caution and common sense to protect your personal safety and property, just as you would when interacting with other people you don’t know. Neither Munay nor its affiliates or licensors is responsible for the conduct, whether online or offline, of any User of the Services. Munay, its affiliates, and licensors will not be liable for any claim, injury, or damage arising from or in connection with your use of the Services.

2.3. Consumer Reports
Munay may or may not utilize third-party consumer reporting agencies that perform, among other things, criminal background checks, sex offender registry checks, motor vehicle records checks, credit checks, and identification verifications (“Consumer reports”). Munay does not endorse or make any representations or warranties regarding the reliability of such Consumer reports or the accuracy, timeliness, or completeness of any information in the Consumer reports.

While Munay may or may not facilitate a verification process for Practitioners by collecting identification and credential documents, this process may be limited to ensuring that basic requirements are met. Munay does not independently verify or endorse the accuracy, legitimacy, or completeness of the credentials or certifications provided by Practitioners. Users are strongly encouraged to conduct their own due diligence before engaging with any Practitioner, as Munay disclaims responsibility for the reliability or validity of any Practitioner's qualifications.

Users who are the subject of Consumer reports may contact the third-party consumer reporting agency to dispute such information's accuracy, timeliness, or completeness. Munay reserves the right to suspend and/or terminate a User account based on the information in the Consumer reports or for any other reason at Munay's sole discretion.

2.4. Privacy
Munay is committed to complying with the General Data Protection Regulation (GDPR) for users within the European Economic Area (EEA). Personal data collected through the Munay Platform is processed lawfully, transparently, and for specific purposes, such as providing our Services or complying with legal obligations.

You have the right to request the deletion of your account and personal data. To initiate this process, please send an email to legal@munay.live from the email address associated with your account. Upon receipt of your request, we will process the deletion of your account and associated personal data within one month. Once deleted, your information cannot be recovered. Please note that certain data may be retained for legal or regulatory compliance where required. You will receive confirmation once your request has been completed. For further details, please refer to Munay Privacy Policy.

2.5. Payment
Payment processing on the Munay Platform is provided by third-party payment processors, including but not limited to Stripe, Wise and Sharetribe, allowing us to:
(a) bill the Customers in lieu of directly processing your credit/debit card information;
(b) enable payouts to the Practitioners.

For the avoidance of doubt, payment made by the Customer to Munay shall satisfy the Customer's obligation with respect to the payment to the Practitioner for the services provided via the Munay Platform. Please review the additional payment terms as specified in the Refund and Payment Policy. More details on the security of your payment and billing information may be found in our Privacy Policy.

We use third-party payment processors, such as Stripe, to bill you as Customers in lieu of directly processing your credit/debit card information. Please read more on how the security of your payment and billing information is handled in our Privacy Policy.

2.6. Refund
Munay strives to ensure a clear understanding of the financial relations between Customers and Practitioners with respect to the Services we provide. Please check our Refund and Payment Policy to find out more about how we handle refunds. To the fullest extent permitted by law, any refunds at any time are at our sole discretion only.

2.7. Session Recording Retention & Reporting Policy

  1. Recording Retention: Munay may temporarily retain video recordings of user sessions for a maximum period of two (2) weeks from the session date. After this period, all recordings are permanently deleted and cannot be recovered.
  2. User Responsibility for Reporting Issues: Users must report any concerns related to session recordings—including but not limited to inappropriate content, violations of our community guidelines, or technical issues—within two (2) weeks of the session date. Reports can be submitted to care@munay.live. If no report is received within this timeframe, Munay is not responsible for any actions or disputes arising from the deleted content.
  3. No Obligation to Retain Recordings: Munay is not obligated to retain session recordings beyond the specified retention period. Users acknowledge that failure to report an issue within two weeks means the content will no longer be available for review or action.
  4. Legal & Compliance Exceptions: If required by law, regulation, or a valid legal request (such as a subpoena or law enforcement investigation), Munay may take appropriate actions regarding session recordings, provided they are still within the retention period.

RIGHTS AND LIMITS


3.1. Your Right to Use the Munay Platform

If you are a Customer, Munay grants you, under these Terms, a non-transferable, non-sublicensable, non-exclusive, limited right to access and use the Munay Platform solely for your non-commercial personal use.

If you are a Practitioner, Munay grants you, under these Terms, a non-transferable, non-sublicensable, non-exclusive, limited right to access and use the Munay Platform solely for the provision of Third Party Services to Customers.

You agree not to:

  • View, copy, or procure content or information from the Munay Platform by automated means (such as scripts, bots, spiders, crawlers, or scrapers), or use data mining technology unless formally authorized by Munay under a separate written agreement.
  • Inquire about or engage Practitioners beyond the purchased services on the Munay Platform
  • Use the Services for purposes that violate legal policies of your local government.
  • Copy, reproduce, modify, republish, download, upload, post, transmit, or distribute Munay materials without prior written permission or as expressly provided in these Terms.
  • Share or transfer your account credentials with any third party.

Munay may impose reasonable limits on your access, including time or volume of information accessed, or devices used, to prevent unauthorized third-party use.

3.2. Your Account

Certain Services are reserved for registered users. To register, you must create a Customer or Practitioner account on the Munay Platform. You are responsible for protecting your account credentials and all activities under your account. Notify us immediately of any unauthorized use.

You may use the Website without registration, but these Terms still apply when you interact with the Website.

You may not:

  1. Create more than one account per role (one as a Practitioner and one as a Customer).
  2. Share your account credentials with third parties.
  3. Transfer your account to any third party.

Munay is not responsible for loss or damages due to failure to safeguard your account credentials. You may not rent, resell, or remarket the Munay Platform.

When creating an account, we may collect personal data directly or from third-party services (Facebook, Google, Apple). By using third-party authentication, you authorize us to collect necessary data for authentication.

  • Customer Accounts: You may add a profile photo or connect Google/Facebook but are not required to provide a photo.
  • Practitioner Accounts: A profile photo and an introduction are required. Adding more details (e.g., country, languages, education, work experience) can enhance your visibility.

All personal data shared within your account is subject to our Privacy Policy.

3.3. Direct Interactions

Munay does not participate in direct interactions between Customers and Practitioners except when necessary to: (a) Ensure compliance with these Terms. (b) Improve our Services. (c) Enforce our Refund and Payment Policy.

Munay does not control the services provided by Practitioners, Customer reviews, or user behavior.

3.4. Representations and Warranties

Practitioner-Specific Representations

If you use the Services as a Practitioner, you:

  1. Will provide Third Party Services per these Terms and Munay policies.
  2. Will comply with all local laws and regulations.
  3. Are solely responsible for any legal violations.
  4. Will provide services with reasonable care and skill and on time.
  5. Have obtained and will maintain all required registrations, licenses, and certifications.
  6. Will not provide services outside the Munay Platform or solicit direct payments.
  7. Agree that Munay may advertise your services without additional payment.
  8. Allow Munay to enhance your listings (e.g., adding logos, editing descriptions, publishing on social media).
  9. Will not manipulate Munay’s fee structure or billing process.

Customer-Specific Representations

If you use the Services as a Customer, you:

  1. Agree to honor your commitments to Practitioners.
  2. Will not manipulate Munay’s fee structure or billing process.
  3. Will make good faith efforts to interact with Practitioners.

3.5. Practitioner’s Introduction Video and Profile Photo

Practitioners grant Munay rights to use their introduction videos, names, and profile photos for marketing and promotional purposes, including social media and streaming services (YouTube, Vimeo, Facebook, etc.).

You may request removal of any introduction listings by emailing care@munay.live.

3.6. Practitioners’ Ranking

Practitioners are ranked based on multiple factors, including but not limited to:

  • Customer’s search criteria, country, language, and time zone.
  • Availability of time slots.
  • Past performance and responsiveness to Customers.
  • Profile completeness, including photo and introduction video quality.
  • Customer reviews and ratings.
  • Customer history on the Munay Platform.

3.7. Practitioner Evaluation & Approval Discretion

Before approving any practitioner, Munay reserves the right to request a complimentary session for a service of our choosing as part of our evaluation process. This session is entirely at our discretion and does not guarantee approval. We retain full authority to accept or decline any practitioner for any reason, with or without explanation, and participation in this process does not create any expectation of future acceptance. By participating, practitioners agree that they are providing the session voluntarily and without expectation of payment, reimbursement, or future business.

Munay is not liable for any costs, damages, or claims arising from this evaluation process, including but not limited to lost income, reputational impact, or any legal claims related to non-acceptance. Practitioners expressly waive any right to dispute Munay’s decisions regarding approval. Furthermore, practitioners agree to indemnify and hold Munay harmless against any claims, disputes, or liabilities related to their participation in this process.

3.8. User Complaints

To file a complaint, contact care@munay.live with the subject line ‘Formal Complaint’, providing as many details as possible. Munay will investigate and respond accordingly.

3.9. Limits

While using the Services, you must abide by the User Code of Conduct.

Use of Munay Content

Users have a personal, non-transferable, non-exclusive right to use the Munay Content of the Munay Platform, subject to these Terms.

Munay Content refers to all information, text, images, maps, data, links, or other material accessible through the Munay Platform, whether created by us or provided by a third party. The content may contain typographical or other inadvertent errors or inaccuracies. We reserve the right to modify the Munay Content without obligation to provide notice of such changes.

You may view, copy, download, and print the Munay Content available on or through the Munay Platform, subject to the following conditions:

  1. Personal Use Only: The Munay Content is for personal use only. No part of the Munay Platform or Munay Content may be reproduced or transmitted in any form by any means, including electronic or mechanical means such as photocopying and recording, for any other purpose.
  2. No Modifications: The Munay Content may not be modified.
  3. Proprietary Notices: Copyright, trademark, and other proprietary notices must remain intact. Nothing on the Munay Platform grants any license or right to use the Munay Content, except as expressly permitted by these Terms or with prior written permission from Munay or the relevant third-party rights holder.

USER-GENERATED CONTENT

User-generated Content includes all comments, remarks, information, feedback, text, photographs, links, data, images, videos, music, or other material posted by Users on the Munay Platform or provided to Munay, including content submitted through surveys.

Munay is not responsible for the conduct of Users or the views, opinions, or statements expressed in User-generated Content. We do not prescreen posted content and act only as a passive conduit for its distribution. Any opinions, advice, statements, services, offers, or other User-generated Content are those of the respective author(s) or distributor(s) and not of Munay.

Users must ensure that any submitted User-generated Content does not infringe on any copyrights, trade secrets, or intellectual property rights of another person or entity. Users are solely liable for any damages resulting from infringement or other legal violations.

We have the right, but not the obligation, to monitor, edit, or remove User-generated Content at any time. If you believe your intellectual property rights have been infringed, please submit your complaint to legal@Munay.live. We respond promptly to rights holders' concerns and terminate repeat infringers when appropriate.

Lobbying Restrictions

Federal law restricts lobbying activities by tax-exempt organizations. "Lobbying" includes certain activities intended to influence legislation. While User-generated Content does not constitute lobbying by Munay, it may constitute lobbying by you or an organization you represent. You are responsible for complying with applicable lobbying restrictions.

The Munay Platform may contain links to non-Munay websites and integrate with third-party tools such as Zapier, Google, Ghost, Referral Rock and Sharetribe for scheduling and virtual meetings and managing content. By using our platform, you agree to allow us to share necessary information with these services to facilitate your appointments.

Munay is not responsible for the content of any linked website. Accessing non-Munay websites is at your own risk, and such use is subject to the terms of service and privacy policy of the respective third party. Users should exercise caution and good judgment when interacting with third-party websites.

ADVERTISEMENTS

Munay may display advertisements and promotions sponsored by third parties. Any business dealings or participation in promotions with advertisers other than Munay, including payment and delivery of related goods or services, are solely between you and the advertiser. Munay is not responsible for any loss or damage resulting from such dealings.

Munay may also display advertisements on non-Munay websites to promote Third-Party Services offered via the Munay Platform and help generate Customer leads.

NO IMPLIED ENDORSEMENTS

Any reference to a third party or third-party product or service on the Munay Platform does not imply endorsement or approval by Munay. We do not guarantee or warrant any third-party product or service and are not involved in transactions between Users and third-party providers.

RELATIONSHIP BETWEEN MUNAY AND USERS

Independent Contractor Relationship

Munay acts as an on-demand intermediary, connecting Customers with Practitioners and providing tools to facilitate Third-Party Services. You acknowledge and agree that Munay is a technology services provider and does not directly provide online Third-Party Services.

Munay does not serve as an employer of any User unless separately subject to a signed, written employment contract signed by both the User and Munay. Users may use the Services only for the provision and receipt of Third-Party Services subject to these Terms.

As such, Munay will not be liable for any tax or withholding, including but not limited to unemployment insurance, employer’s liability, workers’ compensation insurance, social security, or payroll withholding tax in connection with your providing of Third-Party Services. You are solely responsible for adhering to all applicable tax regulations that may apply in connection with your use of the Munay Platform. You hereby agree to compensate Munay for all state fees, claims, payments, fines, or other tax liabilities that Munay will incur in connection with the obligations arising from applicable tax or other regulations not being met by you.

In all cases of use of the Munay Platform, Users are acting as independent contractors and not as Munay’s or any other party’s employee, agent, franchisee, or servant. Accordingly, you will be solely responsible for all costs incurred by you or your organization. You may not act as an employee, agent, or representative of Munay nor bind any contract on behalf of Munay. Where, by implication of mandatory law or otherwise, you shall be deemed an employee of Munay, you hereby agree to waive any claims against us that may arise as a result of such an implied employment relationship.

No User is entitled to participate in any Munay vacation, group medical or life insurance, disability, profit sharing, retirement benefits, or any other fringe benefits or benefit plans offered by Munay to its employees.

The Services provide connections to Practitioners who are willing to be engaged by Customers as independent contractors. As independent contractors, each Practitioner decides when and how often they will be available to provide Third-Party Services to Customers. Each Practitioner controls the methods, materials, content, and all aspects of their services. The Services allow Practitioners to create personalized services for a certain number of hours or days.

Customers are responsible for selecting the Practitioner suitable for their learning goals. Customers should check each Practitioner's self-reported credentials, education, and experience, as well as reviews from other Customers. Each Practitioner has the sole discretion to accept or decline a request for their services, as well as continue or discontinue a relationship with any Customer.

Practitioners may—and, in fact, are expected to—perform their services for others or engage in other types of work (either as an independent contractor, employee, or otherwise) while these Terms are in effect. This includes working with Munay’s competitors if desired, provided that such other activities do not result in the Practitioner's violation of the Terms.

Termination Policy

Munay reserves the right to terminate its relationship with any User at any time, with or without cause. If the termination is without cause, any balance remaining in the User’s account will be refunded, subject to verification of valid transactions. Refunds will not be provided in cases of fraud, violation of these Terms, or misuse of the platform.  Practitioners' ability to set new appointments will be immediately disabled, and their listings will be deactivated. 

By using the Munay Platform, Users acknowledge and agree that:

  1. Munay’s ability to terminate the relationship at will is an essential part of maintaining an independent contractor arrangement. Users are not entitled to any additional notice, severance, or compensation upon termination.
  2. Any funds refunded to the User upon termination will be subject to an internal review process. Munay reserves the right to withhold refunds in cases where a User has engaged in fraudulent activity, chargebacks, disputes, or other violations of these Terms.

By accepting these Terms, Users agree that they do not have an employment relationship with Munay and waive any claims related to termination.

ASSIGNMENT

You may not assign or transfer your rights or obligations under these Terms in whole or in part to any third party without Munay’s written consent. These Terms shall be binding and inure to the benefit of the parties to these Terms and their respective successors, permitted transferees, and assigns.

FEEDBACK

You acknowledge and agree that we may provide you with a mechanism to provide feedback, suggestions, and ideas about the Services or the Munay Platform (the “Feedback”). By submitting any Feedback, you provide us with written consent to use your Feedback for the improvement and promotion of the Services. You agree that submitting Feedback is gratuitous, unsolicited, and without restriction, and will not place us under any fiduciary or other obligation. We are free to use the Feedback without any additional compensation to you and/or to disclose the Feedback on a non-confidential basis or otherwise to anyone.

You further acknowledge that, by accepting your Feedback, Munay does not waive any rights to use similar or related ideas previously known to Munay, or developed by its employees, or obtained from sources other than you. You agree that we may, in our sole discretion, use the Feedback you provide to us in any way, including in future enhancements and modifications to the Services. You hereby grant to us and our assigns a perpetual, worldwide, fully transferable, sublicensable, irrevocable, royalty-free license to use, reproduce, modify, create derivative works from, distribute, and display the Feedback in any manner for any purpose, or without it in any media, software, or technology of any kind now existing or developed in the future, without any obligation to provide attribution or compensation to you or any third party.

REVIEWS

You acknowledge and agree that Munay may calculate a composite rating based on comments and reviews left by other Users. Practitioners agree to be rated by Customers along several criteria, as suggested by Munay. Munay provides its automatic feedback and rating system as a means through which Users can express their opinions publicly, and Munay does not monitor or censor these opinions or investigate any remarks posted by Users for accuracy or reliability unless a User brings the posting to Munay's attention.

You may be held legally responsible for damages suffered by other Users or third parties as a result of these remarks if a court finds that these remarks are legally actionable or defamatory. Munay is not legally responsible for any feedback or comments posted or made available on the Munay Platform by any Users or third parties, even if that information is defamatory or otherwise legally actionable. You agree to report violations or abuses of our rating and feedback system immediately by contacting Customer Support.

NOTIFICATIONS

Unless you otherwise indicate in writing, Munay will and may communicate with you by email, regular mail, or by posting communications on the Munay Platform or sending text messages. You consent to receive communications from us electronically, and you agree that these electronic communications satisfy any legal requirement that such communications be in writing. You will be considered to have received a communication when we send it to the email address you have provided to Munay within your account or when we post such communication on the Munay Platform. You should keep your email address updated in your account and regularly check this Website for postings.

If you fail to respond to an email message from Munay regarding the violation, dispute, or complaint within 2 (two) business days, we will have the right to terminate or suspend your account. All notices to Munay intended to have a legal effect concerning these Terms must be in writing and delivered either in person or by means evidenced by a delivery receipt to the following address:

254 Chapman Rd, Ste 208 #20574, Newark, Delaware 19702.

To stop receiving specific communications from Munay, please submit a notification to us by email at care@munay.live. In order to change the types and frequency of such communications, you may also change notification preferences in your account.

TERMINATION

Other than Practitioners, we may terminate any User’s access to the Munay Platform in our sole discretion, for any reason and at any time, with or without prior notice. It is our right to terminate Users who violate these Terms, as deemed appropriate in our sole discretion.

We may terminate a Practitioner's use of the Services:
(i) immediately for failure to comply with the Terms, including the User Code of Conduct, which constitutes a material breach of the agreement;
(ii) for other causes, including, but not limited to, sexual or other unwelcome harassment, threats or intimidation, fraud, falsification of documents or qualifications; or
(iii) upon 30 days’ advance written notice for any reason.

We may also delete or restrict access to or use of all related information and files. Munay will not be liable to Users or any third party for any modification, suspension, or termination of the Service, or loss of related information.

In the event Munay suspends or terminates your account due to a breach of these Terms or any of Munay's policies, you understand and agree that you shall receive no refund or compensation for any unused funds, scheduled sessions, or loss of any content or information associated with your account. In addition to the aforementioned, Munay is entitled to withhold any funds remaining on your account as liquidated damages.

Termination of Inactive Practitioner Accounts

Munay reserves the right to terminate or deactivate provider accounts that exhibit inactivity for a specified period. Inactivity includes, but is not limited to, the following:

  1. Expired Listings Without Update (30 Days):
    If a provider's listing(s) expire and are not updated or reactivated within 30 days, Munay will deactivate the account. This is to ensure that only providers with active and current services are available on the platform.
  2. Unlinked or Abandoned Calendar (30 Days):
    If a provider’s calendar has been successfully linked but no services or listings have been uploaded within 30 days of calendar synchronization, Munay will deactivate the account. This policy helps to maintain the quality and activity level of services offered.
  3. Bypassing the Platform:
    If a provider is found to be bypassing the platform to solicit customers directly without paying the appropriate commission to Munay, the account may be terminated immediately. Providers engaging in this behavior will also be blacklisted from the platform, preventing them from accessing services or rejoining in the future.

Even after your right to use the Services has been terminated or suspended, these Terms will remain enforceable against you.

INTELLECTUAL PROPERTY RIGHTS

All intellectual property in the design and layout of the Munay Platform and the material and information published on the Website pages or within the Munay Platform functionality belongs to and is vested in Munay or its licensors. You may not copy any part of the Munay Platform or otherwise do anything in relation to any part of the Munay Platform. You may not otherwise use or reproduce any of the Munay Platform or the material contained within it in any manner other than those listed above without first obtaining the prior written permission of Munay.

Unless otherwise noted, all Munay Content contained on the Munay Platform is the property of Munay and/or its affiliates or licensors and is protected from unauthorized copying and dissemination by United States copyright law, trademark law, international conventions, and other intellectual property laws. The service marks and trademarks of Munay, including without limitation Munay and the Munay logos, are service marks owned by Munay, Inc. Any other trademarks, service marks, logos, and/or trade names appearing via the Service are the property of their respective owners. You may not copy or use any of these marks, logos, or trade names without the express prior written consent of the owner.

You may not link or frame to any pages of the Website or any Munay Content contained therein, whether in whole or in part, without prior written consent from Munay. You may like or follow Munay or share links to the Website via social networking technology referenced on the Website. Any rights not expressly granted herein are reserved.

COPYRIGHT INFRINGEMENT. DMCA NOTICE
Since we respect content owner rights, it is Munay’s policy to respond to alleged infringement notices that comply with the Digital Millennium Copyright Act of 1998 (“DMCA”). If you believe that any materials on our Services infringe your copyright, you may request that they be removed. Please notify Munay's copyright agent as set forth in the DMCA.

For your complaint to be valid under the DMCA, your request must bear a signature (or electronic equivalent) of the copyright holder or an authorized representative and must include the following information:

  1. An electronic or physical signature of a person authorized to act on behalf of the copyright owner;
  2. Identification of the copyrighted work that you claim has been infringed;
  3. Identification of the material that is claimed to be infringing and where it is located on the Website;
  4. Information reasonably sufficient to permit Munay to contact you, such as your address, telephone number, and email address;
  5. A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or law;
  6. A statement, made under penalty of perjury, that the above information is accurate, and that you are the copyright owner or are authorized to act on behalf of the owner.

The above information must be submitted to the following DMCA Agent:
Attn: DMCA Notice
Munay, Inc.
Email: legal@Munay.live

Under federal law, if you knowingly misrepresent that online material is infringing, you may be subject to criminal prosecution for perjury and civil penalties, including monetary damages, court costs, and attorney's fees.

Please note that this procedure is exclusively for notifying Munay and its affiliates that your copyrighted material has been infringed. The preceding requirements are intended to comply with Munay’s rights and obligations under the DMCA, including 17 U.S.C. §512(c), but do not constitute legal advice. It may be advisable to contact an attorney regarding your rights and obligations under the DMCA and other applicable laws.

In accordance with the DMCA and other applicable laws, Munay may also at its sole discretion limit access to the Service and/or terminate the accounts of any Users who infringe any intellectual property rights of others, whether or not there is any repeat infringement.

CONFIDENTIALITY
You may obtain direct access via the Services to certain confidential information of Munay, its affiliates, or Users, including but not limited to personally identifiable information, technical, contractual, product, program, pricing, marketing, and other valuable information that should reasonably be understood as confidential (“Confidential Information”). You agree to hold Confidential Information in strict confidence and not use the Confidential Information except for the purposes set forth in these Terms and not disclose such Confidential Information to any third party.

All right, title, and interest in the Confidential Information remains with Munay, its affiliates, and its Users. No obligation is imposed upon you with respect to Confidential Information that you can establish by legally sufficient evidence:

  • (a) you possessed prior to your receipt from Munay, without an obligation to maintain its confidentiality;
  • (b) is or becomes generally known to the public through no act or omission by you, or otherwise without violation of the Terms;
  • (c) you obtained from a third party who had the right to disclose it, without an obligation to keep such information confidential;
  • (d) you independently developed without the use of Confidential Information and without the participation of individuals who have had access to it, or
  • (e) is disclosed in response to a valid order by a court or other governmental body, or as otherwise required by law, or as necessary to establish the rights of either party under these Terms and as disclosed after prior notice to Munay adequate to afford Munay the opportunity to object to the disclosure.

DISCLAIMER OF WARRANTY
Use of the Services is entirely at your own risk. Munay disclaims all liability in connection with any interactions, correspondence, transactions, and other dealings that you have with any third parties, including without limitation Customers or Practitioners found on or through the Munay Platform (including on or via linked websites or advertisements). These dealings are solely between you and the third party (including issues related to the content of third-party advertisements, payments, services, delivery of goods, warranties (including product warranties), privacy and data security, and the like).

Under no circumstances will we be liable for any loss or damage caused by your reliance on the information in any content on the Munay Platform. It is your responsibility to evaluate the accuracy, completeness, or usefulness of any information, opinion, advice, or other content available through the Munay Platform.

You acknowledge that the Munay Platform and all Services, text, images, and other information on or accessible from the Munay Platform are provided "as is" and are based in part on listings provided by Practitioners, which are not verified by Munay, and that any Third Party Services, listings, or other content acquired through the use of the Munay Platform are at your sole risk and discretion.

Munay and its affiliates and licensors are not liable or responsible for any results generated through the use of the Services. We provide no warranty of any kind, either express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Specifically, but without limitation, Munay does not warrant that:

  1. The information available on the Munay Platform is free of errors;
  2. The functions or services (including but not limited to mechanisms for the downloading and uploading of content) provided by the Munay Platform will be uninterrupted, secure, or free of errors;
  3. Defects will be corrected, or
  4. The Munay Platform or the server(s) that makes it available are free of viruses or other harmful components.

Neither Munay nor its affiliates or licensors is responsible for the conduct, whether online or offline, between Users.

In addition, notwithstanding any feature a Customer may use to expedite Practitioner selection, each Customer is responsible for selecting their Practitioner and negotiating a contract, and Munay does not warrant any goods or services purchased by a Customer and does not recommend any particular Practitioner. Munay does not provide any warranties or guarantees regarding any Practitioner's professional accreditation, registration, or license.

Munay expressly disclaims any liability or claims that may arise between Users of its Services. You are solely responsible for your interactions with all other Users and any disputes that arise from those interactions with other Users. Munay is not obliged but may attempt to assist in resolving disputes between Users.

LIMITATION OF LIABILITY

(a) Disclaimer. In no event shall Munay be liable to any User of the Munay Platform or any other person or entity for any direct, indirect, special, incidental, consequential, or exemplary damages (including, but not limited to, damages for loss of profits, loss of data, loss of use, or costs of obtaining substitute goods or services) arising out of use, inability to use, unauthorized access to or use, or misuse of the Munay Platform or any information contained thereon, whether based upon warranty, contract, tort (including negligence), or otherwise, even if advised of the possibility of such damages or losses.

(b) Limitation. You agree that Munay’s total cumulative liability in connection with these Terms, the Munay Platform, the Services, the Munay Content, or any listing or services, whether in contract, tort, or otherwise, shall not exceed the amounts, if any, you paid to Munay for the Services in the then-prior three months.

(c) Waiver of Class Action. Any claims brought by you or Munay must be brought in that party’s individual capacity, and not as a plaintiff or class member in any purported class or representative proceeding.

EXCLUSIONS

Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations may not apply to you.

INTERNATIONAL

The Munay Platform may be accessed from countries other than the United States. The Munay Platform and the Services may contain products or references to products that are only available within the United States and U.S. territories. Any such references do not imply that such products will be made available outside the United States.

If you access and use the Munay Platform outside the United States, you are responsible for complying with all applicable local laws and regulations.

We make no representation that information on the Munay Platform is appropriate or available for use outside the United States. Those who choose to access the Munay Platform from outside the United States do so on their own initiative and at their own risk.

EXPORT CONTROL

The laws of the United States of America prohibit the transmission, export, and re-export of certain products, services, downloadable software, and data (technical data) to particular persons, territories, and foreign states. Nothing from the Services may be exported, in any way, in violation of United States law.

The United States export control regulations prohibit U.S. businesses, such as Munay, from offering services to users in specific sanctioned regions. In order to comply with these regulations, it is not allowed for users in the following areas to access all or certain parts of the Munay Platform:

  • Iran
  • Sudan
  • Crimea
  • Cuba
  • Syria
  • North Korea
  • Temporarily occupied territories of Donetsk and Luhansk oblast of Ukraine
  • Any other country or region restricted by law (as may be changed from time to time).

Depending on your exact location, you may encounter an IP or payment purchase block when attempting to enroll in or otherwise access the Munay Platform.

LIQUIDATED DAMAGES

Munay and a User acknowledge and agree that the funds that may be withheld shall constitute liquidated damages and not penalties. These are in addition to all other rights of Munay in case of a breach of these Terms. Munay and a User further acknowledge that:

  1. The amount of loss or damages likely to be incurred is incapable of or difficult to precisely estimate.
  2. The amounts specified in the abovementioned section bear a reasonable relationship to, and are not plainly or grossly disproportionate to, the probable loss likely to be incurred in connection with any material breach of the agreement by a User.
  3. One of the reasons for Munay and a User reaching an agreement on such amounts was the uncertainty and cost of litigation regarding the question of actual damages.

INDEMNIFICATION

By using the Services, you agree to indemnify, hold harmless, and defend Munay and its subsidiaries, affiliates, shareholders, officers, directors, agents, licensors, suppliers, other partners, employees, and representatives from any claims, damages, losses, liabilities, and all costs and expenses of defense, including but not limited to attorneys' fees, resulting directly or indirectly from a claim by a third party that arises in connection with your use of the Services, including but not limited to:

  • Acts and/or omissions on or off the Munay Platform.
  • Violation of any rights of another, including any alleged infringement of intellectual property or other rights.
  • Breach of these Terms.
  • Disputes with or between other Users.
  • Use and/or misuse of the Munay Platform, including any information, content, and materials.
  • Violation of any applicable law or regulation.
  • Inaccurate, untimely, incomplete, or misleading User information.
  • Misstatements and/or misrepresentations.
  • Use of links to third-party websites and any third-party services.
  • Use of third-party payment processors.
  • Use of any information in third-party reports.

You further agree that you will cooperate as requested by Munay in defense of such claims. Munay reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by Users, and you shall not settle any claim or matter on behalf of Munay without its written consent.

In the event that you have a dispute with any User, you hereby release Munay (and its officers, directors, agents, investors, subsidiaries, employees, contractors, and any other third parties related to the Services) from any and all claims, demands, or damages arising out of or in any way related to such disputes.

If you are a California resident, you waive California Civil Code Section 1542, which states: “A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release, and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party.”

DISPUTE RESOLUTION

Any dispute arising out of consumer claims shall be finally resolved by individual arbitration before a single arbitrator in English, conducted in Delaware, USA, under the Commercial Arbitration Rules of the American Arbitration Association (AAA).

All disputes arising out of or relating to these Terms shall be finally resolved by individual arbitration. The arbitration will be conducted in Delaware, USA, except that a User residing in the U.S. may elect to have the arbitration conducted at a location of Munay’s choice no more than 400 kilometers from the User’s residence. The individual arbitration must be before a single arbitrator conducted in English under the AAA's Commercial Arbitration Rules.

The parties shall bear equally the cost of the arbitration, except that if the arbitrator determines the costs unique to arbitration would preclude a User from asserting a claim, the arbitrator may require Munay to pay a greater share of those costs. The prevailing party may be entitled to an award of reasonable attorneys' fees and costs.

All decisions of the arbitrator shall be final and binding on both parties and enforceable in any court of competent jurisdiction. Munay shall be entitled to seek temporary injunctive relief, security, or other equitable remedies from the United States District Court for the District of Delaware or any other court of competent jurisdiction.

GOVERNING LAW

These Terms shall be governed by the laws of the State of Delaware, USA, excluding the United Nations Convention on Contracts for the International Sale of Goods; the 1974 Convention on the Limitation Period in the International Sale of Goods; and the Protocol amending the 1974 Convention, done at Vienna on April 11, 1980. However, to the fullest extent permissible under law, the Federal Arbitration Act (9 U.S.C. § 1 et seq.) shall govern Section 25 of these Terms (entitled Dispute Resolution).

NON-SOLICITATION

Without limitation, the Services may not be used to solicit for any other business, website, or service. You may not solicit, advertise for, or contact in any form Users for employment, contracting, or any other purpose not related to the Service facilitated through Munay without express written permission from Munay. You may not use the Service to collect usernames and/or email addresses of Users by electronic or other means without the express prior written consent of Munay.

HEADINGS

The headings and captions used in these Terms are for convenience only and are not to be considered in construing or interpreting these Terms.

ENTIRE AGREEMENT. SEVERABILITY

These Terms, together with any amendments and any additional agreements you may enter into with Munay in connection with the Services, shall constitute the entire agreement between you and Munay concerning the Services. If any part of these Terms is held to be unlawful, void, or unenforceable, that part will be deemed severable and shall not affect the validity and enforceability of the remaining provisions.

CONTACTS

For additional information and in case you have any questions about these Terms, please contact care@munay.live.