Terms of Use

Welcome to micback. These Terms of Use govern your access to and use of the micback website and its financial navigation services. By accessing or using our platform, you agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. Please read them carefully before using our services, as they constitute a legally binding agreement between you and micback, effective April 1, 2026.

1. Acceptance of Terms

By accessing and using the micback website, you signify your unequivocal agreement to these Terms of Use and all applicable laws and regulations. If you do not agree with any part of these terms, you are expressly prohibited from using or accessing this site. We reserve the right to modify these terms at any time, and your continued use of the website following the posting of revised terms will mean that you accept and agree to the changes.

2. Use of the Website

Micback provides tools and resources for personal financial navigation, including debt exit plans, emergency fund creation, and spending audits, for users aged 25-55. You agree to use the website only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the website. Prohibited conduct includes engaging in any activity that could damage, disable, overburden, or impair the site, or interfere with any other party's use and enjoyment of micback. You must not input false or misleading financial information, as this will compromise the effectiveness of our personalized guidance.

3. Intellectual Property

All content, features, and functionality on the micback website, including text, graphics, logos, icons, images, and software, are the exclusive property of micback or its licensors and are protected by international copyright, trademark, and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to access and use the website for your personal, non-commercial financial planning purposes. Any reproduction, distribution, modification, or creation of derivative works from any content on this site without express written permission from micback is strictly prohibited.

4. Disclaimer of Warranties

The micback website and its services are provided on an 'as is' and 'as available' basis, without any warranties of any kind, either express or implied. We do not warrant that the service will be uninterrupted, error-free, secure, or that any defects will be corrected. While we aim to provide give room to financial guidance, micback does not offer professional financial, investment, or legal advice, and the information provided should not be construed as such. You acknowledge that your reliance on any information or tools provided by micback is solely at your own risk, and financial outcomes are not guaranteed.

5. Limitation of Liability

To the fullest extent permitted by applicable law, micback, its affiliates, directors, employees, or agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your access to or use of, or inability to access or use, the service. This limitation applies even if micback has been advised of the possibility of such damages. Our total liability for any claims arising out of or relating to these terms or the service will not exceed the amount you paid to us for the service in the twelve months preceding the claim, or one hundred United States dollars ($100), whichever is greater.

6. Links to Other Websites

Our service may contain links to third-party websites or services that are not owned or controlled by micback. micback has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. We do not warrant the offerings of any of these entities/individuals or their websites. You acknowledge and agree that micback shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods, or services available on or through any such third-party websites or services.

7. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our service after those revisions become effective, you agree to be bound by the revised terms; if you do not agree to the new terms, you are no longer authorized to use the service.

8. Governing Law

These Terms shall be governed and construed in accordance with the laws of the Republic of Moldova, without regard to its conflict of law provisions. Any dispute, controversy, or claim arising out of or relating to these Terms or the breach, termination, or invalidity thereof shall be settled by arbitration in accordance with the rules of the Arbitration Court of the Republic of Moldova. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

Contact Us

Email: support@micback.com

Address: Kentford Business Center 202 Stefan cel Mare si Sfint Boulevard, Buiucani District, Chisinau, Moldova