Effective Date: January 2, 2025

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User") and Santoray ("Santoray", "we", "us", or "our") regarding your access and use of the Santoray website located at www.santoray.co (the "Website").

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1. Acceptance of Terms

By accessing or using the Website, you agree to be bound by these Terms. If you disagree with¹ any part of the Terms, then you may not access or use the Website. These Terms apply to all visitors, users, and others who access or use the Website.²

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2. Changes to Terms

We reserve the right to update or revise these Terms at any time. The revised Terms will be effective immediately upon their posting on the Website. You are encouraged to review the Terms periodically for any changes. Your continued access or use of the Website following the posting of revised Terms constitutes your acceptance of the revisions.

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3. User Accounts

You may be required to create an account to access certain features of the Website. You are responsible for maintaining the confidentiality of your account information,³ including your username and password. You are also fully responsible for all activities that occur under your account. You agree to⁴ immediately notify Santoray of any unauthorized use of your account or any other security breach. Santoray will not be liable for any loss or damage arising from your failure to comply with these security obligations.

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4. Use of Website

The Website is provided for your personal, non-commercial use only. You may not use the Website for any illegal or unauthorized purpose.⁵ You agree not to:

• Violate any applicable laws or regulations.
• Infringe⁶ upon or violate the intellectual property rights of Santoray or others.
• Transmit any content that is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, hateful, or racially or ethnically offensive.
• Interfere with or disrupt the Website or servers or networks connected to the Website.
• Use the Website⁷ to impersonate any person or entity.
• Attempt to gain unauthorized access to the⁸ Website, computer systems or networks connected to the Website, or any portion of Santoray's private information.
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5. Intellectual Property

The Website and its entire contents, features, and functionality (including but not limited to all information, software,⁹ text, displays, images, video, and audio, and the design and arrangement thereof) are owned¹⁰ by Santoray or its licensors and are protected by copyright, trademark, patent, and other intellectual property laws. You may not modify, reproduce, distribute,¹¹ republish, download, display, post, transmit, or create derivative works from the Website content without Santoray's prior written consent.

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6. Disclaimers

The Website is provided "as is" and without warranties of any kind, whether express or implied. Santoray disclaims all warranties, including but not limited to, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.¹² Santoray does not warrant that the Website will function uninterrupted, secure, or error-free. Santoray does not warrant that the Website or the server that makes it available are free of viruses or other harmful components.

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7. Limitation of Liability¹³

To the extent permitted by law, Santoray will not be liable for any damages arising out of or related to your use of the Website, including but not limited to, direct, indirect, incidental, consequential,¹⁴ punitive, or special damages.¹⁵

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8. Termination

We may terminate your access to the Website for any reason, at any time, without notice. We may also, in our sole discretion, discontinue or modify any part of the Website without notice. You agree that Santoray will not be liable to you or any third party for any termination of your access to the Website.

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9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New Jersey, United States of America.¹⁶

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10. Dispute Resolution

Any dispute arising out of or relating to these Terms will be resolved by binding arbitration in accordance with the rules of the American Arbitration¹⁷ Association ("AAA"). The arbitration¹⁸ shall be held in Lakewood, New Jersey. The decision of the arbitrator shall be final and binding on the parties.

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11. Entire Agreement

These Terms constitute the entire agreement between you and Santoray with respect to the use of the Website and supersede all prior or contemporaneous communications and proposals, whether oral or written.¹⁹

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12. Contact Us

If you have any questions²⁰ about these Terms, please contact us at info@santoray.co.

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Thank you for using Santoray!