Safya LLC, on behalf of itself and its affiliates/group companies under the brand "Midlife Navigator", is the author and publisher of the internet resource www.midlifenavigator.com and the mobile application (together, “Website”).

Nature and Applicability of Terms

Please carefully go through these terms of use (“Terms”) and the Global Data Privacy Policy available at our Website (“Privacy Policy”) before you decide to access the Website or avail the services made available on the Website by Midlife Navigator. These Terms and the Privacy Policy together constitute a legal agreement (“Agreement”) between you and Midlife Navigator in connection with your visit to the Website and your use of the Services.

The Agreement applies to:

• Service providers (individual professionals or organizations) listed on the Website (“Advisor(s)”, “you” or “User”)
• Individuals or their representatives searching for Advisors or services (“End-User”, “you” or “User”)
• All other users of the Website (“you” or “User”)

The Agreement covers services provided on the Website, including:

• Listing of Advisors
• Account creation and maintenance
• Advisor search and appointment booking

By accessing or using the Website, you accept this Agreement and our Privacy Policy. If you do not agree, please do not use the Website or Services.

Eligibility

You must be at least 18 years of age to use the Website. By using it, you confirm you meet this requirement.

Services Provided

The Website connects Users with Advisors who provide advice on topics including:

• Adventure assistance
• Career guidance
• Financial planning
• Fitness guidance
• Health and lifestyle advice
• Hobbies fulfilment
• Legal and statutory guidance
• Life coaching
• Longevity coaching
• Mental health and wellness
• Personal development
• Relationship guidance

The Website does not directly provide advisory services, but facilitates connections between Users and third-party Advisors.

Third-Party Advisors

• Advisors are independent contractors, not employees or agents of the Website.
• The Website does not guarantee the quality of advice.
• Users are responsible for selecting Advisors and all interactions are at their own discretion.

Registration and Account

To use some Services, you must create an account and keep your information accurate and secure.

Payment and Fees

• Some services may incur fees, clearly displayed during booking.
• Payments are handled via third-party processors.
• Prices may change with notice posted on the Website.

User Conduct

You agree not to:

• Use the Website for illegal purposes
• Impersonate others or misrepresent your affiliation
• Harass or abuse Advisors or Users
• Post harmful or obscene content

Intellectual Property

• All intellectual property on the Website is owned by or licensed to us.
• User-submitted content remains yours, but you grant us a license to use it in relation to the Website.
• Do not reproduce or misuse our content without permission.
• Report infringement to help@midlifenavigator.me

Privacy and Data Protection

By using the Website, you agree to our data practices as outlined in our Privacy Policy.

Disclaimers and Limitation of Liability

• Website and Services are provided "as is."
• No guarantee of advice accuracy or results.
• Decisions based on advice are at your own risk.
• Liability is limited to the amount paid for the Service.

Indemnification

You agree to hold us harmless from claims or losses related to your use of the Website or actions of Advisors.

Cancellation and Refund Policy

• If an Advisor misses an appointment, notify us at help@midlifenavigator.me within 5 days for a refund.
• No refund if you miss an appointment without cancelling.
• No refund for wait times during a scheduled appointment.

Termination

We may suspend or terminate your access for violations of this Agreement. Some obligations continue after termination.

Relevance Algorithm

We may adjust our search algorithm to improve service quality.

Retention and Removal

User data may be retained as needed, in accordance with applicable laws.

Governing Law and Dispute Resolution

This Agreement is governed by UAE law. Disputes will be resolved via arbitration in Dubai under DIAC rules.

Amendments

We may update these Terms. Changes will be posted on the Website. It is your responsibility to stay informed.

Severability

If any part of this Agreement is invalid, the rest remains in effect.

Waiver

No waiver of any term is valid unless in writing. Waivers do not apply to future breaches.

Contact Information

If you have any questions, contact us at: help@midlifenavigator.me

By using the Website, you confirm that you have read, understood, and agreed to these Terms.