📜 Terms of Service

Effective Date: September 1, 2025

1. Introduction

Welcome to Creative Tech Assistant. By accessing or using my website and services, you agree to these Terms of Service. Please read them carefully.

2. Services

I provide creative and technical virtual assistant services, including tech support, automations, video editing, customer service, and related digital support.

3. Use of Services

You agree to use my services for lawful purposes only and not to misuse them in any way that could damage, disable, or interfere with my business or website.

4. Payment & Refund Policy

All payments must be made in accordance with agreed invoices or service terms. Refunds, if applicable, will be handled on a case-by-case basis.

5. Limitation of Liability

I am not liable for any indirect, incidental, or consequential damages that may arise from the use of my services or website.

6. Privacy & Data Protection

Your use of my services is also governed by the Privacy Policy, which outlines how your data is collected, used, and protected.

7. GDPR Compliance (European Union)

If you are located in the European Union, you have specific rights under the General Data Protection Regulation (GDPR), including:

• The right to access, update, or delete your personal information.
• The right to restrict or object to processing.
• The right to data portability.
• The right to withdraw consent at any time.

I will only process your personal information when I have a lawful basis to do so, such as your consent, fulfilling a contract, or complying with legal obligations.

8. CCPA Compliance (California, US)

If you are a resident of California, you have rights under the California Consumer Privacy Act (CCPA), including:

• The right to know what personal information I collect, use, disclose, or sell.
• The right to request deletion of your personal information.
• The right to opt-out of the sale of personal information (note: I do not sell personal information).
• The right to non-discrimination for exercising your CCPA rights.

To exercise your rights under the CCPA, please contact me at: [email protected].

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Philippines, without regard to conflict of law principles.

10. Updates to Terms

I may update these Terms of Service from time to time. Any changes will be posted on this page with the revised effective date.

11. Contact

If you have questions about these Terms, please contact me at: [email protected].