Terms of Use

Effective: September 22, 2026

These Terms of Use govern your use of digitalatm.buzz and the educational planning tools available on the website.

1. Acceptance of these terms

By accessing or using digitalatm.buzz, you agree to these Terms of Use and to the Privacy Policy. If you do not agree, do not use the website.

2. Purpose of the website

Digital ATM provides a free educational quiz and general planning content intended to help users organize a side-project idea into manageable first steps. The site is informational and educational in nature.

3. No financial or professional service

The website does not provide banking, lending, investment, brokerage, payment-processing, legal, tax, accounting, employment, or individualized financial-advisory services. Content on the site should not be treated as professional advice.

4. No guaranteed outcome

The website may discuss goals, projects, skills, business ideas, or possible long-term income streams as planning topics. We do not promise or guarantee that a user will earn money, obtain employment, build a profitable business, or achieve any particular financial or commercial result.

5. Permitted use

You may use the site for lawful personal purposes. You may not attempt to disrupt the website, probe or bypass security controls, introduce malicious code, scrape the service in a manner that materially burdens its infrastructure, impersonate another person, or use the site to violate applicable law or the rights of others.

6. Intellectual property

Unless otherwise stated, the website's original text, layout, interface, graphics, and code are protected by applicable intellectual-property laws. These Terms do not transfer ownership of website content to you. You may not present the website as your own service or use its content in a way that falsely suggests sponsorship, endorsement, or affiliation.

7. Third-party services and links

The website may contain links to third-party resources for convenience or reference. A link does not by itself mean that we control, endorse, or are affiliated with the third party. Third-party services are governed by their own terms and policies.

8. Website availability

We may maintain, update, change, or discontinue parts of the website when reasonably necessary. We do not guarantee uninterrupted or error-free availability.

9. Disclaimer of warranties

To the extent permitted by law, the website is provided on an "as is" and "as available" basis. We do not make warranties that the educational content will be suitable for every user's circumstances or produce a specific result.

10. Limitation of liability

To the extent permitted by applicable law, DigitalATM.buzz will not be liable for indirect, incidental, special, consequential, or punitive damages arising from use of, or inability to use, the website. Nothing in these Terms excludes liability that cannot legally be excluded.

11. User responsibility

You are responsible for evaluating whether any idea, project, tool, expense, or business activity is appropriate for your circumstances and for complying with laws, taxes, licenses, platform rules, and contractual obligations that may apply to you.

12. Changes to these terms

We may update these Terms when the site or applicable requirements change. The effective date above will be updated when material revisions are made. Continued use after an update constitutes acceptance of the revised Terms to the extent permitted by law.

13. Contact

Questions about these Terms can be sent to [email protected].