IMPORTANT: These Terms set out the rules for using this website and (where applicable) purchasing advertising and related services. If you do not agree, do not use the site or place an order.

Operator (the “Company”, “we”, “us”, “our”)
Legal name: [Expat Media Online Ltd / 
Email: support@expatmedia.onl

1. Definitions
   “Advertiser” means any person or business purchasing advertising or promotional services from us.
   “Order” means a booking for advertising or services placed via the website, email, or an insertion order.
   “Materials” means any artwork, copy, links, logos, tracking tags, and other content supplied by the Advertiser.
   “Services” means advertising space and any related services we provide (e.g., sponsored posts, directory listings, newsletter placements, social add-ons) as described in an Order.
2. Who we contract with (business customers)
   2.1 Our advertising products are intended for business customers. By placing an Order, you confirm you are acting for purposes relating to your trade, business, craft, or profession.
   2.2 If you are a consumer (not acting in the course of business), some terms (including “no refunds”) may not apply to the extent they conflict with your statutory rights.
3. Website use
   3.1 You agree to use the website lawfully and not to misuse it (including hacking, introducing malware, scraping at scale, or interfering with site performance).
   3.2 We may suspend or restrict access where we reasonably believe misuse or security risks exist.
4. Information on this website
   4.1 Content is provided for general information. We do not guarantee it is complete, accurate, or up to date.
   4.2 We may change, remove, or update content at any time without notice.
5. Orders, booking, and contract formation (Advertising)
   5.1 An Order is only confirmed when we accept it in writing (including email) or when the campaign goes live (whichever is earlier).
   5.2 We may refuse any Order at our discretion, including where we believe the advertisement or the Advertiser may harm our users, partners, or reputation, or where Materials do not meet our standards.
6. Pricing, VAT, and payment
   6.1 Prices are as set out on the website, our media pack, rate card, or quote, unless agreed otherwise in writing.
   6.2 Prices are exclusive of VAT unless stated otherwise. VAT (if applicable) will be added to invoices.
   6.3 Payment terms are as stated on the invoice/Order confirmation. Unless otherwise agreed, payment is due in full before publication/go-live.
   6.4 Late payments may result in campaigns being paused/withheld. We may charge interest and reasonable recovery costs on overdue amounts as permitted by law (including statutory interest for business-to-business debts).
   6.5 Any bank/processor charges are the Advertiser’s responsibility.
7. NO REFUNDS (Advertising)
   7.1 All advertising bookings are non-cancellable and non-refundable once we have accepted the Order and/or scheduled, produced, or published the advertisement (including reserving inventory for the Advertiser).
   7.2 We do not provide refunds for:
   (a) changes of mind;
   (b) unused impressions/time;
   (c) campaign underperformance where no guaranteed metrics were expressly agreed in writing;
   (d) ad blocking, cookie restrictions, tracking limitations, or platform changes;
   (e) delays caused by the Advertiser (including late Materials or approvals).
   7.3 If we cancel a campaign solely due to our fault and cannot provide a reasonable alternative, our maximum liability is limited to a pro-rata credit or refund for the undelivered portion (at our discretion).
   7.4 If we cancel due to breach of these Terms, illegal content, or reputational risk, no refund is due.
8. Campaign delivery, placement, and changes
   8.1 Placement, positioning, and timing are not guaranteed unless expressly stated in the Order.
   8.2 We may make reasonable changes to placement or delivery for operational, editorial, or technical reasons (including site redesigns), while aiming to maintain broadly equivalent value.
   8.3 We do not guarantee uninterrupted availability of the website. Maintenance, outages, and third-party failures can occur.
9. Materials, specs, approvals, and deadlines
   9.1 The Advertiser must supply Materials by the deadlines we specify and in the formats we request.
   9.2 The Advertiser warrants that Materials are accurate, not misleading, and comply with all applicable laws, codes, and regulations (including advertising standards).
   9.3 We may reject or request changes to Materials for any reason (including quality, compliance, or user experience).
   9.4 If the Advertiser fails to provide Materials on time, we may (at our option) run a placeholder, delay the start date, or treat the booking as delivered for billing purposes. No refunds apply.
10. Content standards and compliance
    10.1 Ads must not be illegal, defamatory, offensive, discriminatory, hateful, or misleading, and must not infringe third-party rights.
    10.2 The Advertiser is solely responsible for ensuring compliance with all rules applicable to their sector (e.g., financial promotions, alcohol, gambling, healthcare, age-restricted products).
    10.3 Where legally required, the Advertiser must include appropriate disclaimers, risk warnings, and age-gating on their landing pages and campaigns.
11. Tracking, reporting, and metrics
    11.1 Any reporting we provide is indicative and may rely on third-party systems.
    11.2 Unless expressly agreed as “guaranteed” in writing, impressions, clicks, opens, conversions, rankings, and engagement are not guaranteed.
    11.3 Ad blockers, privacy tools, browser restrictions, and cookie consent choices may reduce measurable delivery and tracking. This is not grounds for refund.
12. Links and landing pages
    12.1 The Advertiser is responsible for the content, security, and legality of any landing page linked to from an ad.
    12.2 We may remove or disable links that appear unsafe, misleading, or harmful, or that create reputational/legal risk.
13. Intellectual property
    13.1 The website and its content (excluding Advertiser Materials) are owned by us or our licensors and protected by intellectual property laws.
    13.2 The Advertiser grants us a non-exclusive, worldwide, royalty-free licence to use, reproduce, publish, display, and adapt the Materials for the purpose of delivering the Services (including promotional use of “as seen on” screenshots for case studies, unless the Advertiser opts out in writing).
    13.3 The Advertiser confirms they have all rights, permissions, and consents needed for the Materials (including images, music, trademarks, and third-party content).
14. Editorial independence and sponsored content
    14.1 Where we provide sponsored articles or promotional editorial-style content, we may label it as “Sponsored”, “Advertorial”, or similar.
    14.2 We retain editorial discretion over tone, structure, and compliance adjustments, provided we act reasonably and align with the agreed brief.
15. Warranties and disclaimers
    15.1 We provide the website and Services “as is” and “as available”.
    15.2 To the maximum extent permitted by law, we exclude all implied warranties and conditions not expressly stated in these Terms.
16. Limitation of liability
    16.1 Nothing in these Terms limits liability for death or personal injury caused by negligence, fraud, fraudulent misrepresentation, or any liability that cannot legally be limited.
    16.2 Subject to 16.1, we are not liable for indirect or consequential losses (including loss of profits, revenue, goodwill, data, or business opportunities).
    16.3 Subject to 16.1, our total liability arising out of or in connection with an Order is limited to the amount actually paid by the Advertiser to us for the relevant Order in the 3 months before the event giving rise to the claim.
17. Indemnity (Advertiser responsibility)
    The Advertiser will indemnify and hold us harmless against all claims, liabilities, damages, losses, and costs arising from:
    (a) the Materials;
    (b) the Advertiser’s products/services;
    (c) breach of these Terms;
    (d) infringement of third-party rights; or
    (e) illegal/misleading advertising or regulatory breaches.
18. Confidentiality
    Any non-public commercial terms, pricing, or campaign data shared between us should be treated as confidential unless disclosure is required by law.
19. Data protection and privacy
    19.1 Our use of personal data is described in our Privacy Policy and Cookie Policy: [link].
    19.2 Where an advertising campaign involves lead generation or data capture, the Advertiser is responsible for ensuring their own privacy notices, lawful basis, consent mechanisms, and compliance with UK GDPR/EU GDPR (as applicable).
    19.3 If we process personal data on the Advertiser’s behalf (rare, but possible), we will provide appropriate data processing terms on request.
20. Third-party websites
    The website may include links to third-party sites. We are not responsible for their content, availability, or practices.
21. Suspension and termination
    21.1 We may suspend or terminate access to the website or remove ads if we reasonably believe there has been a breach of these Terms or a legal/compliance risk.
    21.2 Termination does not affect fees already due. No refunds apply as set out above.
22. Force majeure
    We are not liable for delay or failure to perform due to events beyond our reasonable control (including outages, supplier failures, platform changes, pandemics, strikes, or acts of government).
23. Changes to these Terms
    We may update these Terms from time to time. The latest version will be posted on the website with the effective date. Continued use after changes means you accept the updated Terms.
24. Governing law and jurisdiction
    These Terms are governed by the law of [Scotland / England & Wales]. The courts of [Scotland / England & Wales] will have exclusive jurisdiction, except where mandatory consumer law requires otherwise.
25. Contact
    Questions, complaints, or notices should be sent to: [support@expatmedia.online].