Terms & Conditions

A legal disclaimer

1. Introduction

Welcome to D-Ray Publications. These Terms & Conditions (“Terms”) govern your use of our website, products, and services. By accessing or using our site, you agree to these Terms. If you do not agree, please stop using our services immediately.

2. Eligibility

You must be at least 18 years old or have legal parental/guardian consent to use our website. You represent that you have the legal capacity to enter into these Terms.

3. Account Registration

• You may be required to create an account to access certain features.
• You are responsible for maintaining the confidentiality of your login details.
• You agree to notify us immediately of any unauthorized account use.

4. Intellectual Property Rights

• All content, designs, graphics, logos, and software are owned by or licensed to D-Ray Publications.
• You may not copy, reproduce, distribute, or create derivative works without our written consent.

5. User-Generated Content

• You retain ownership of your content but grant us a non-exclusive, royalty-free, worldwide license to use, display, and distribute it.
• You agree not to post content that is unlawful, defamatory, obscene, or infringes on third-party rights.

6. Payments & Billing

• All prices are listed in US currency and are subject to change without notice.
• Payments must be made in full before goods or services are delivered.
• Refunds are subject to our Refund Policy.

7. Prohibited Activities

You agree not to:
• Use the site for fraudulent or illegal purposes.
• Attempt to gain unauthorized access to our systems.
• Distribute malware, spam, or harmful code.

8. Third-Party Links & Services

Our site may contain links to third-party websites. We are not responsible for their content, policies, or practices.

9. Limitation of Liability

To the fullest extent permitted by law, we are not liable for any indirect, incidental, or consequential damages arising from your use of our website or services.

10. Indemnification

You agree to indemnify and hold harmless D-Ray Publications from any claims, damages, or expenses resulting from your violation of these Terms.

11. Termination

We may suspend or terminate your access to our website at any time, without notice, if you breach these Terms.

12. Changes to Terms

We reserve the right to update or modify these Terms at any time. Changes will be effective upon posting on this page.

13. Governing Law & Dispute Resolution

These Terms are governed by the laws of the state of Tennessee and the country of the United States of America. Any disputes will be resolved through binding arbitration in Knoxville, Tennessee, unless otherwise required by law.

14. Contact Us

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

📧 Deeraypublications@gmail.com