Terms of Use

1. Definitions

• "The Company" - Ariel Achon Mortgage and Financial Consulting - Mortgage in Pajamas
• "The User" - anyone who browses or uses the website
• "The Services" - financial services provided through the website

2. Service Description

Ariel Achon Mortgage and Financial Consulting - Mortgage in Pajamas provides financial services through the website. The services are subject to the terms detailed in this document and may change from time to time.

3. Terms of Use

Use of the website is conditional upon compliance with the following terms:

• Using the website for legal purposes only
• Not interfering with the website's operation or other users
• Not uploading offensive, illegal or harmful content
• Respecting copyrights and intellectual property
• Not performing actions that could harm website security

4. User Obligations

• Providing correct and accurate information during registration or ordering
• Maintaining confidentiality of account access details
• Immediate notification of any unauthorized use of the account
• Updating personal information as needed

5. Payment and Refund Policy

If the services include payment:

• Payments are processed through secure and encrypted systems
• Prices include VAT as required by law
• Right of transaction cancellation will be available in accordance with Consumer Protection Law
• Refunds will be processed within 14 business days from cancellation approval

6. Limitation of Liability

The services are provided "as is" without warranty of any kind. The company shall not be liable for indirect, consequential or special damages arising from use of the website, except in cases where the law provides otherwise.

7. Copyright and Intellectual Property

All content on the website, including texts, images, design and code, is protected by copyrights belonging to Ariel Achon Mortgage and Financial Consulting - Mortgage in Pajamas. It is prohibited to copy, distribute or make commercial use of the content without written permission.

8. Privacy

Collection and use of personal information is subject to our privacy policy. Use of the website constitutes agreement to the privacy policy as detailed separately.

9. Amendment of Terms of Use

The company may change these terms of use at any time. Material changes will be published on the website with 30 days' advance notice. Continued use after the change constitutes agreement to the new terms.

10. Service Termination

The company may discontinue or limit the service at any time, including in case of violation of the terms of use. In case of service termination, the provisions of the relevant sections shall remain in effect.

11. Governing Law and Dispute Resolution

These terms of use are subject to the laws of the State of Israel. Any dispute will be heard in the competent courts in Israel, with preference given to arbitration or mediation where possible.

12. General Provisions

• If part of the terms is declared invalid, the remaining terms shall remain in effect
• Non-enforcement of a right shall not be considered a waiver thereof
• The terms of use constitute the entire agreement between the parties