📜 Terms of Service
Effective Date: [Insert Date]
Website: https://m-and-t-islamic.com
Operator: M&T Consultants, Islamic Co. (“M&T,” “we,” “us,” or “our”)
By accessing and using this website, you agree to be bound by these Terms of Service. If you do not agree, please discontinue use immediately.
1. Acceptance of Terms
Your access to and use of this website is subject to these Terms of Service, our Privacy Policy, and any other legal notices published by M&T. By using our site, you agree to be legally bound by all applicable terms and conditions.
2. Description of Services
M&T provides the following services:
- Islamic finance consultancy and advisory
- Training and capacity building
- Event hosting and registration
- Publications, resources, and articles
- Online engagement (e.g., contact forms, surveys, subscriptions)
These services are provided for informational and professional engagement purposes only.
3. User Responsibilities
By using this website, you agree:
- Not to use the website for unlawful, fraudulent, or harmful purposes
- Not to interfere with the functionality or security of the site
- Not to upload malicious code or disrupt the website’s performance
- To provide accurate and lawful information when submitting inquiries or forms
4. Intellectual Property
All content on this website—including text, images, graphics, logos, videos, and documents—is the intellectual property of M&T Consultants, Islamic Co. or its content providers and is protected by copyright, trademark, and applicable Philippine intellectual property laws.
You may not:
- Reproduce or distribute any part of the content without written permission
- Use our logo, brand, or content for commercial purposes without consent
5. Third-Party Links
Our website may contain links to third-party websites for reference and convenience. M&T does not endorse, control, or assume responsibility for the content or practices of these external websites. Your use of linked sites is at your own risk.
6. Service Modifications and Availability
We reserve the right to:
- Modify or discontinue any part of the website or services without prior notice
- Suspend access temporarily or permanently due to maintenance, updates, or unforeseen issues
We are not liable for any loss or inconvenience caused by service unavailability.
7. Limitation of Liability
To the fullest extent permitted by law, M&T shall not be liable for:
- Any direct, indirect, incidental, or consequential damages resulting from the use or inability to use the website
- Errors, inaccuracies, or omissions in content
- Unauthorized access or misuse of your personal information
8. Indemnification
You agree to indemnify and hold M&T, its partners, officers, and affiliates harmless from any claims, losses, liabilities, damages, or expenses (including legal fees) arising from your misuse of the website or violation of these Terms.
9. Governing Law and Jurisdiction
These Terms of Service are governed by the laws of the Republic of the Philippines. Any legal disputes shall be brought before the proper courts of Cotabato City or Maguindanao del Norte, to the exclusion of other venues.
10. Changes to Terms
We may update these Terms of Service at any time. Changes take effect once posted on this page. Continued use of the website after updates constitutes acceptance of the revised Terms.
11. Contact Us
For inquiries or concerns regarding these Terms, please contact:
M&T Consultants, Islamic Co.
📍 [Insert Office Address]
📧 Email: [Insert official email address]
📞 Phone: [Insert contact number]
🌐 Website: https://m-and-t-islamic.com