### Terms and Conditions for STEPSIS Website ###

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Introduction

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Welcome to the STEPSIS website. By accessing or using our website, you agree to comply with and be bound by the following terms and conditions (the "Terms"). These Terms govern your use of our website and the STEPSIS services. Please read them carefully. If you do not agree with these Terms, you should not use our website or services.

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1. Acceptance of Terms

By accessing, browsing, or using the STEPSIS website, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy. We may modify these Terms at any time without notice to you. Your continued use of the website constitutes your acceptance of any such modifications.

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2. Eligibility

You must be at least 18 years old to use our website and services. By using our website, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms.

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3. Use of the Website

- **Permitted Use**: You are granted a limited, non-exclusive, non-transferable license to access and use the STEPSIS website for personal, non-commercial purposes.
- **Prohibited Use**: You agree not to use the website for any unlawful purpose or in any way that might harm, disrupt, or otherwise misuse the website. This includes, but is not limited to, engaging in fraudulent activities, transmitting viruses, or infringing upon the intellectual property rights of others.

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4. Intellectual Property

All content, trademarks, logos, and intellectual property on the STEPSIS website are owned by or licensed to $STEPSIS and are protected by copyright, trademark, and other intellectual property laws. You may not use any content from the website without our express written consent.

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5. User Content

If you submit any content to the STEPSIS website, you grant us a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout the world in any media. You represent and warrant that you own or have the necessary rights to submit the content and that it does not violate any third party's rights or applicable laws.

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6. Privacy

Your use of the STEPSIS website is also governed by our Privacy Policy. By using the website, you consent to the collection and use of your information as described in the Privacy Policy.

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7. Disclaimers

- **No Financial Advice**: The content on the STEPSIS website is for informational purposes only and does not constitute financial, legal, or investment advice. You should consult with a professional before making any financial decisions.
- **No Warranty**: The STEPSIS website is provided on an "as is" and "as available" basis. We make no warranties, expressed or implied, regarding the website's operation or the information, content, or materials included on the website.

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8. Limitation of Liability

To the fullest extent permitted by law, STEPSIS, its affiliates, officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from (a) your use or inability to use the website; (b) any unauthorized access to or use of our servers and/or any personal information stored therein; (c) any interruption or cessation of transmission to or from the website; or (d) any bugs, viruses, trojan horses, or the like that may be transmitted to or through our website by any third party.

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9. Indemnification

You agree to indemnify, defend, and hold harmless STEPSIS, its affiliates, officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) that arise from your use of the website, violation of these Terms, or infringement of any intellectual property or other right of any person or entity.

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10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which STEPSIS operates, without regard to its conflict of law principles. You agree to submit to the personal jurisdiction of the courts located within this jurisdiction for the purpose of litigating all such claims or disputes.

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11. Severability

If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, such provision shall be severed from the remaining Terms, which shall remain in full force and effect.

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12. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and STEPSIS regarding your use of the website and supersede any prior agreements or understandings, whether written or oral, relating to such subject matter.

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13. Contact Information

If you have any questions or concerns about these Terms, please contact us using one of the available community chnnels.

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By using the STEPSIS website, you agree to these Terms and Conditions. Thank you for visiting our site and being a part of the STEPSIS community.