Terms of Use

Effective Date: 01/01/2025

Welcome to Payusnomind (also referred to as “Marketing Brainz,” “we,” “our,” or “us”). These Terms of Use govern your access to and use of our websites, platforms, membership services, interactive tools, calculators, comparison tables, content, consulting services, digital downloads, and any related service we provide (collectively, the “Services”).

By using our Services, you agree to these Terms and our full Refund & Cancellation Policy. If you do not agree, you must discontinue use of the Services.

1. Changes to Terms

We may update these Terms at any time. Continued use means acceptance of updated Terms.

2. Eligibility & Accounts

• You must be at least 18 years old (or have legal guardian consent) to use the Services.
• You are responsible for keeping login credentials secure.
• Unauthorized access attempts or circumvention of protections is prohibited.

3. Intellectual Property

All content and technology on the platform is owned by Payusnomind and protected by U.S. and international laws. No copying, reverse-engineering, redistribution, or reselling without express written consent.

4. Limited License to Use Services

You receive a revocable, personal-use license only. Commercial exploitation is strictly prohibited.

5. Paid Services, Memberships, Consultations & Refunds

Payment terms for subscriptions, digital downloads, and consultations are governed by our Refund & Cancellation Policy.

6. Content & Accuracy Disclaimer

All calculators, insights, and projections are informational only — not legal or financial advice.

7. User-Generated Content

You grant us the ability to display and store your submissions for platform operation.

8. Prohibited Use

• Disrupting systems or bypassing security
• Scraping or harvesting data
• Sharing or redistributing paid content
• Fraudulent or impersonation activity

9. Limitation of Liability

We are not liable for indirect or consequential damages or business outcomes.

10. Dispute Resolution & Arbitration Agreement

Disputes must be handled through individual binding arbitration; class actions are waived.

11. Termination

We may suspend or terminate access if Terms are violated or risk is posed.

12. Governing Law

Governed by Maryland law and U.S. federal law, subject to arbitration above.

13. Contact Information

Email: contact@payusnomind.info