Terms of Service

These Terms of Service ("Terms") govern your access to and use of Gashaw Mortgages ("the Service", "the Application", "we", "us", or "our"), accessible at https://mashkanta.gashawdev.com. By accessing or using our website, tools, or mobile/web applications, you agree to be bound by these Terms. If you do not agree, do not use the Service.

1. Description of Service

Gashaw Mortgages provides digital tools, mortgage calculation simulators, educational resources, intake workflows, and consulting accompaniment to assist individuals in analyzing mortgage options, refinancing scenarios, and interest rate structures.

2. Eligibility & Account Responsibilities

To use our services, you represent and warrant that:

• You are at least 18 years of age and legally competent to enter into binding agreements.
• Any information you provide during intake, registration, or consultation is accurate, current, and complete.
• You are responsible for maintaining the confidentiality of your login credentials and for all activities occurring under your account.
• You will promptly notify us of any unauthorized use or security compromise regarding your account.

3. Acceptable Use Policy

You agree not to:

• Use the Application for any unlawful, deceptive, or fraudulent purpose.
• Reverse engineer, decompile, copy, or extract source code or underlying algorithms of our calculators and software without express written authorization.
• Interfere with, overburden, or compromise the security or integrity of our servers and networks.
• Scrape, harvest, or extract data systematically without prior written consent.

4. Intellectual Property Rights

All content, design, code, calculators, graphics, brand logos, and proprietary simulation models available on Gashaw Mortgages are the intellectual property of Gashaw Mucheye and are protected by applicable copyright, trademark, and intellectual property laws.

5. Paid Services & Purchases

Certain premium tools, consulting packages, or digital store resources may be subject to fees. All prices and terms of payment are disclosed prior to purchase. Payments are processed securely via authorized third-party gateways (e.g., PayPal). Except as mandated by consumer protection laws, fees for customized advisory work or digital products delivered are non-refundable once service provision or digital download has commenced.

6. Third-Party Links & Integrations

Our Service may integrate with or link to third-party platforms (e.g., WhatsApp, TikTok, Google, PayPal). We are not responsible for the availability, policies, or practices of third-party platforms, and your interactions with them are governed by their respective terms and privacy policies.

7. Limitation of Liability

To the fullest extent permitted by applicable law, Gashaw Mortgages and Gashaw Mucheye shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or loss of profits, savings, or data arising out of or related to your use of or inability to use the Service or reliance upon any calculation or advice provided.

8. Termination

We reserve the right to suspend or terminate your account or access to the Service at our sole discretion, without prior notice, for conduct that violates these Terms or harms other users, us, or third parties.

9. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Israel, without regard to conflict of law principles. Any legal disputes arising under these Terms shall be subject to the exclusive jurisdiction of the competent courts located in Israel.

10. Modifications to Terms

We reserve the right to update or modify these Terms at any time. Any changes will be posted directly on this page with an updated "Last Updated" date. Continued use of the Service following modifications constitutes your acceptance of the updated Terms.

11. Contact Information

If you have questions, comments, or inquiries regarding these Terms of Service, please contact: