Section I – Overview

Terniqo (“we,” “us,” or “our”) operates this website and provides digital templates and related services. By accessing our website or purchasing our products, you agree to be bound by these Terms of Use. If you do not agree, please do not use the site or our services.

Section II – Use of the Website

You agree to use this website and our products for lawful purposes only. You may not misuse the site, attempt to gain unauthorized access, or use our content in a way that violates applicable laws or these terms.

Section III – Digital Products & Services

All Terniqo products are digital and delivered electronically. Our templates are thoughtfully designed, tested, and continuously improved to support real-world use. While results may vary depending on how each template is implemented, we aim to provide clear, reliable systems that deliver practical value when used as intended.

Section IV – Pricing & Availability

Prices and product availability may change at any time without notice. We reserve the right to modify or discontinue any product or service at our discretion.

Section V – Refunds

Refunds are handled according to our Refund Policy. Because products are digital, refunds are reviewed on a case-by-case basis.

Section VI – Intellectual Property

All templates, content, and materials provided by Terniqo are our intellectual property unless otherwise stated. You may not copy, resell, redistribute, or reproduce our products without our consent, which is granted through purchase or as otherwise agreed upon in writing.

Section VII – Third-Party Services

Payments and certain services are handled by third-party providers. Terniqo is not responsible for the practices, policies, or performance of external services. Please review their terms and privacy policies when interacting with them.

Section VIII – Limitation of Liability

Terniqo provides its products and services as digital tools intended to support organization and automation. While we strive to ensure reliability and quality, we cannot guarantee uninterrupted access or specific outcomes, as results depend on individual use and external factors. We are not liable for any direct or indirect damages arising from the use of our website or products.

Section IX – Privacy

Your use of the site is also governed by our Privacy Policy, which explains how we collect and use personal information.

Section X – Changes to These Terms

We may update these Terms of Use from time to time. Continued use of the website after changes are posted constitutes acceptance of the updated terms.

Section XI – Contact

If you have any questions about these Terms of Use, please contact us.