Terms and Conditions

Effective Date: April 29, 2025

Welcome to Ferct, a goal achievement network operated by Skillsuper LTD, a company registered in the United Kingdom at 27 Old Gloucester Street, London, WC1N 3AX. These Terms and Conditions ("Terms") govern your access to and use of our website (www.ferct.com), mobile applications, and related services (collectively, the "Services"). Ferct includes a social media network, products and services marketplaces, opportunities platform, resources (such as publications, AI tools, and lists of websites), and management systems.

By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, please do not use our Services. Ferct is intended for users who are 18 years of age or older. If you are under 18, you are not permitted to register or use our Services.

1. Eligibility and Account Registration

To use our Services, you must:

• Be at least 18 years old.
• Provide accurate, complete, and up-to-date information during registration.
• Maintain the security of your account by keeping your login credentials confidential.

You are responsible for all activities that occur under your account. If you suspect unauthorized use of your account, contact us immediately at [email protected].

2. Use of Services

You agree to use our Services in accordance with these Terms and all applicable laws. You may not:

• Use the Services for any illegal or unauthorized purpose.
• Post, share, or transmit content that is unlawful, defamatory, obscene, offensive, or infringes on the rights of others.
• Attempt to gain unauthorized access to our systems or interfere with the Services, including through hacking, malware, or denial-of-service attacks.
• Engage in spamming, phishing, or other abusive activities.
• Use automated tools (e.g., bots, scrapers) to access or collect data from the Services without our express permission.

We reserve the right to suspend or terminate your account for violations of these Terms, at our sole discretion.

3. Social Media Network

Our social media network allows you to connect with other users, share content, and collaborate on goals. You are solely responsible for the content you post, including posts, comments, and messages. By posting content, you grant Ferct a non-exclusive, worldwide, royalty-free license to use, display, and distribute your content in connection with the Services.

We may moderate or remove content that violates these Terms or our community guidelines, which are available on our website.

4. Marketplace and Transactions

Our products and services marketplaces allow users to buy and sell goods or services. When using the marketplace:

• Sellers: You must provide accurate descriptions of your products or services and comply with all applicable laws. You are responsible for fulfilling orders and handling customer inquiries.
• Buyers: You agree to pay for products or services purchased through our payment processors (e.g., Stripe, PayPal, Wise, Payoneer).
• Fees: Ferct may charge transaction fees, which will be disclosed at the time of purchase or sale.
• Disputes: Any disputes between buyers and sellers should be resolved directly. Ferct may assist in mediation but is not liable for disputes or non-fulfillment.

Transactions are processed by third-party payment providers, and their terms and conditions apply. Ferct is not responsible for errors or issues caused by these providers.

5. Opportunities Platform

Our opportunities platform connects users with job listings, partnerships, or other professional opportunities. You agree to:

• Provide truthful information when applying for or posting opportunities.
• Use the platform for legitimate purposes only.

Ferct does not guarantee the accuracy or success of opportunities listed and is not liable for outcomes arising from their pursuit.

6. Resources and Management Systems

Our Services include access to resources (e.g., publications, AI tools, website lists) and management systems to support goal achievement. These resources are provided "as is," and we do not guarantee their accuracy, completeness, or suitability for your needs.

You may not reproduce, distribute, or modify our resources without our prior written consent.

7. Intellectual Property

All content, trademarks, and materials on our Services, including text, graphics, logos, and software, are owned by or licensed to Skillsuper LTD and are protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works from our content without our express permission, except as permitted by these Terms.

User-generated content remains your property, but by posting it, you grant Ferct the license described in Section 3.

8. Third-Party Services

Our Services integrate with third-party platforms, such as cloud services (AWS, Azure), content delivery networks (Cloudflare), analytics tools (Google Analytics), marketing platforms (Brevo), and payment processors (Stripe, PayPal, Wise, Payoneer). These services are governed by their own terms and conditions, and we are not responsible for their performance or policies.

Our Services may also contain links to third-party websites. We are not responsible for the content or practices of these websites.

9. Privacy

Your use of our Services is subject to our Privacy Policy and Cookie Policy, which describe how we collect, use, and protect your personal information.

10. Termination

We may suspend or terminate your access to the Services at any time, with or without notice, if you violate these Terms or for any other reason at our discretion. Upon termination, your account and access to the Services will be deactivated, but certain obligations (e.g., payment disputes, intellectual property rights) will survive.

You may terminate your account by contacting us at [email protected].

11. Disclaimers

The Services are provided "as is" and "as available" without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not guarantee that the Services will be uninterrupted, error-free, or secure.

Ferct is not responsible for:

• The accuracy, reliability, or availability of user-generated content or third-party services.
• Losses or damages arising from your use of the Services, including data loss or financial losses.
• Outcomes from transactions, opportunities, or resources accessed through the Services.

12. Limitation of Liability

To the fullest extent permitted by law, Skillsuper LTD, its affiliates, and their respective officers, directors, employees, or agents will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Services, including loss of profits, data, or goodwill, even if advised of the possibility of such damages.

Our total liability to you for any claim arising from these Terms or the Services will not exceed the amount you paid to us, if any, in the six months prior to the claim.

13. Indemnification

You agree to indemnify and hold harmless Skillsuper LTD, its affiliates, and their respective officers, directors, employees, and agents from any claims, liabilities, damages, or expenses (including legal fees) arising from your use of the Services, violation of these Terms, or infringement of any third-party rights.

14. Governing Law and Dispute Resolution

These Terms are governed by the laws of England and Wales, without regard to conflict of law principles. Any disputes arising from these Terms or your use of the Services will be resolved in the courts of England and Wales, except where mandatory local laws apply.

We encourage you to contact us at [email protected] to resolve any issues before pursuing legal action.

15. Changes to These Terms

We may update these Terms to reflect changes in our Services or legal requirements. We will notify you of significant changes by posting the updated Terms on our website or via email. Your continued use of the Services after such changes constitutes your acceptance of the updated Terms.

16. Miscellaneous

• Entire Agreement: These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Skillsuper LTD regarding the Services.
• Severability: If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.
• Waiver: Our failure to enforce any right or provision of these Terms does not constitute a waiver of that right or provision.
• Assignment: You may not assign your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations at our discretion.

17. Contact Us

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

Skillsuper LTD
27 Old Gloucester Street
London, WC1N 3AX, United Kingdom
Email: [email protected]
Website: www.ferct.com