{"id":15,"date":"2026-06-08T05:26:14","date_gmt":"2026-06-08T05:26:14","guid":{"rendered":"https:\/\/demo5.yinwoodweb.com\/malaya\/?page_id=15"},"modified":"2026-07-10T00:31:10","modified_gmt":"2026-07-09T16:31:10","slug":"terms-conditions","status":"publish","type":"page","link":"https:\/\/demo5.yinwoodweb.com\/malaya\/terms-conditions\/","title":{"rendered":"Terms"},"content":{"rendered":"\n<div class=\"wp-block-uagb-container uagb-block-3ed673a4 alignfull uagb-is-root-container\">\n<style>\n@import url('https:\/\/fonts.googleapis.com\/css2?family=Playfair+Display:ital,wght@0,400;0,500;0,600;0,700;0,800;1,400;1,500&family=Cormorant+Garamond:ital,wght@0,300;0,400;0,500;0,600;0,700;1,400;1,500&family=Lora:ital,wght@0,400;0,500;0,600;0,700;1,400;1,500&display=swap');\n@import url('https:\/\/fonts.googleapis.com\/css2?family=Material+Symbols+Outlined:opsz,wght,FILL,GRAD@20..48,100..700,0..1,-50..200&display=block');\n\nbody .st-michael-toc-page {\n  --maroon: #79021c;\n  --maroon-dark: #580115;\n  --maroon-deeper: #3d000e;\n  --maroon-light: #9e1535;\n  --white: #ffffff;\n  --cream: #fdfaf5;\n  --cream-warm: #f5efe5;\n  --gold: #c9a84c;\n  --gold-light: #e3d18a;\n  --gold-dark: #a07d30;\n  --ink: #1a1a1a;\n  --ink-soft: #3a3a3a;\n  --ink-muted: #777777;\n  --ink-faint: #aaaaaa;\n  --border: #e5dfd6;\n  --border-light: #f0ebe3;\n  --shadow-sm: 0 2px 12px rgba(0,0,0,0.05);\n  --shadow-md: 0 8px 30px rgba(0,0,0,0.08);\n  --shadow-lg: 0 16px 50px rgba(0,0,0,0.12);\n  --shadow-xl: 0 24px 60px rgba(0,0,0,0.15);\n  --radius-sm: 4px;\n  --radius-md: 8px;\n  --radius-lg: 12px;\n  --ease: cubic-bezier(0.22, 1, 0.36, 1);\n  --fast: 0.25s cubic-bezier(0.22, 1, 0.36, 1);\n  --normal: 0.4s cubic-bezier(0.22, 1, 0.36, 1);\n}\n\nbody .st-michael-toc-page {\n  all: initial;\n  display: block;\n  box-sizing: border-box;\n  font-family: 'Lora', Georgia, serif !important;\n  font-size: 16px !important;\n  line-height: 1.7 !important;\n  color: #1a1a1a !important;\n  background: #fdfaf5 !important;\n  overflow-x: hidden !important;\n  -webkit-text-size-adjust: 100%;\n  text-size-adjust: 100%;\n}\n\nbody .st-michael-toc-page *,\nbody .st-michael-toc-page *::before,\nbody .st-michael-toc-page *::after { box-sizing: border-box; }\n\nbody .st-michael-toc-page h1,\nbody .st-michael-toc-page h2,\nbody .st-michael-toc-page h3,\nbody .st-michael-toc-page h4 {\n  font-family: 'Playfair Display', Georgia, serif !important;\n  font-weight: 700 !important;\n  line-height: 1.25 !important;\n  color: var(--ink) !important;\n  text-transform: none !important;\n  letter-spacing: normal !important;\n  margin-top: 0 !important;\n  padding-top: 0 !important;\n}\n\nbody .st-michael-toc-page a,\nbody .st-michael-toc-page a:link,\nbody .st-michael-toc-page a:visited {\n  color: var(--maroon) !important;\n  text-decoration: none !important;\n  transition: color var(--fast) !important;\n}\nbody .st-michael-toc-page a:hover { color: var(--maroon-dark) !important; }\n\nbody .st-michael-toc-page ul { list-style: none !important; margin: 0 !important; padding: 0 !important; }\n\nbody .st-michael-toc-page .mi {\n  font-family: 'Material Symbols Outlined' !important;\n  font-weight: normal !important; font-style: normal !important;\n  font-size: 24px !important; line-height: 1 !important;\n  letter-spacing: normal !important; text-transform: none !important;\n  display: inline-block !important; white-space: nowrap !important;\n  word-wrap: normal !important; direction: ltr !important;\n  -webkit-font-smoothing: antialiased !important;\n}\n\n\/* ===== HERO ===== *\/\nbody .st-michael-toc-page .tc-hero {\n  position: relative !important;\n  background: linear-gradient(165deg, #3d000e 0%, #79021c 45%, #580115 100%) !important;\n  overflow: hidden !important;\n  padding: 0 !important; margin: 0 !important;\n}\nbody .st-michael-toc-page .tc-hero-inner {\n  max-width: 1200px !important;\n  margin: 0 auto !important;\n  padding: 80px 40px 70px !important;\n  text-align: center !important;\n  position: relative !important;\n  z-index: 2 !important;\n}\nbody .st-michael-toc-page .tc-hero-badge {\n  display: inline-flex !important; align-items: center !important; gap: 8px !important;\n  padding: 8px 20px !important; background: rgba(255,255,255,0.07) !important;\n  border: 1px solid rgba(255,255,255,0.1) !important; border-radius: 30px !important;\n  margin-bottom: 24px !important;\n  animation: tcFadeUp 0.7s var(--ease) 0.1s both !important;\n}\nbody .st-michael-toc-page .tc-hero-badge .mi { font-size: 18px !important; color: var(--gold) !important; }\nbody .st-michael-toc-page .tc-hero-badge-text {\n  font-family: 'Cormorant Garamond', serif !important; font-size: 0.82rem !important;\n  font-weight: 600 !important; color: var(--gold-light) !important;\n  letter-spacing: 0.18em !important; text-transform: uppercase !important;\n}\nbody .st-michael-toc-page .tc-hero h1 {\n  font-size: clamp(2rem, 4vw, 2.8rem) !important;\n  color: var(--white) !important; margin: 0 0 14px 0 !important;\n  animation: tcFadeUp 0.8s var(--ease) 0.25s both !important;\n}\nbody .st-michael-toc-page .tc-hero h1 em {\n  font-style: italic !important; color: var(--gold-light) !important; font-weight: 500 !important;\n}\nbody .st-michael-toc-page .tc-hero-sub {\n  font-family: 'Lora', serif !important;\n  font-size: clamp(0.9rem, 1.3vw, 1rem) !important;\n  color: rgba(255,255,255,0.55) !important;\n  margin: 0 auto 28px !important; max-width: 640px !important; line-height: 1.8 !important;\n  animation: tcFadeUp 0.8s var(--ease) 0.4s both !important;\n}\nbody .st-michael-toc-page .tc-hero-meta {\n  display: inline-flex !important; align-items: center !important; gap: 18px !important;\n  font-family: 'Cormorant Garamond', serif !important; font-size: 0.88rem !important;\n  color: rgba(255,255,255,0.4) !important; letter-spacing: 0.06em !important;\n  animation: tcFadeUp 0.8s var(--ease) 0.55s both !important;\n}\nbody .st-michael-toc-page .tc-hero-meta .mi { font-size: 16px !important; color: var(--gold) !important; }\nbody .st-michael-toc-page .tc-hero-meta span { display: flex !important; align-items: center !important; gap: 5px !important; }\n\nbody .st-michael-toc-page .tc-hero::after {\n  content: '' !important; position: absolute !important; bottom: 0 !important; left: 0 !important; right: 0 !important;\n  height: 80px !important;\n  background: linear-gradient(to bottom, transparent, var(--cream)) !important;\n  z-index: 1 !important;\n}\n\n@keyframes tcFadeUp { from{opacity:0;transform:translateY(24px)} to{opacity:1;transform:translateY(0)} }\n\n\/* ===== QUICK NAV ===== *\/\nbody .st-michael-toc-page .tc-qnav {\n  background: var(--white) !important;\n  border-bottom: 1px solid var(--border-light) !important;\n  position: sticky !important; top: 0 !important; z-index: 100 !important;\n  box-shadow: 0 2px 16px rgba(0,0,0,0.04) !important;\n  margin: 0 !important; padding: 0 !important;\n}\nbody .st-michael-toc-page .tc-qnav-inner {\n  max-width: 1200px !important; margin: 0 auto !important; padding: 0 40px !important;\n  display: flex !important; align-items: center !important;\n  overflow-x: auto !important; gap: 0 !important;\n  scrollbar-width: none !important; -ms-overflow-style: none !important;\n}\nbody .st-michael-toc-page .tc-qnav-inner::-webkit-scrollbar { display: none !important; }\nbody .st-michael-toc-page .tc-qnav-item {\n  display: flex !important; align-items: center !important; gap: 6px !important;\n  padding: 16px 16px !important; white-space: nowrap !important;\n  font-family: 'Cormorant Garamond', serif !important; font-size: 0.85rem !important;\n  font-weight: 600 !important; color: var(--ink-muted) !important;\n  letter-spacing: 0.06em !important; text-decoration: none !important;\n  text-transform: uppercase !important;\n  border-bottom: 2px solid transparent !important;\n  transition: color var(--fast), border-color var(--fast), background var(--fast) !important;\n}\nbody .st-michael-toc-page .tc-qnav-item .mi { font-size: 16px !important; color: inherit !important; transition: color var(--fast) !important; }\nbody .st-michael-toc-page .tc-qnav-item:hover,\nbody .st-michael-toc-page .tc-qnav-item.tc-qnav-active {\n  color: var(--maroon) !important; border-bottom-color: var(--maroon) !important;\n  background: rgba(121,2,28,0.02) !important;\n}\nbody .st-michael-toc-page .tc-qnav-item:hover .mi,\nbody .st-michael-toc-page .tc-qnav-item.tc-qnav-active .mi { color: var(--gold) !important; }\n\n\/* ===== MAIN CONTENT ===== *\/\nbody .st-michael-toc-page .tc-main {\n  max-width: 1200px !important; margin: 0 auto !important;\n  padding: 60px 40px 90px !important;\n  display: grid !important; grid-template-columns: 1fr 300px !important; gap: 50px !important;\n}\n\nbody .st-michael-toc-page .tc-content { display: flex !important; flex-direction: column !important; gap: 0 !important; }\n\nbody .st-michael-toc-page .tc-section {\n  padding: 0 0 48px 0 !important; margin: 0 0 48px 0 !important;\n  border-bottom: 1px solid var(--border-light) !important;\n  scroll-margin-top: 70px !important;\n}\nbody .st-michael-toc-page .tc-section:last-child { border-bottom: none !important; margin-bottom: 0 !important; padding-bottom: 0 !important; }\n\nbody .st-michael-toc-page .tc-section-head {\n  display: flex !important; align-items: center !important; gap: 14px !important;\n  margin-bottom: 20px !important;\n}\nbody .st-michael-toc-page .tc-section-icon {\n  width: 44px !important; height: 44px !important; border-radius: 50% !important;\n  background: linear-gradient(135deg, var(--maroon), var(--maroon-light)) !important;\n  display: flex !important; align-items: center !important; justify-content: center !important;\n  flex-shrink: 0 !important; transition: transform var(--fast) !important;\n}\nbody .st-michael-toc-page .tc-section:hover .tc-section-icon { transform: scale(1.08) rotate(-5deg) !important; }\nbody .st-michael-toc-page .tc-section-icon .mi { font-size: 20px !important; color: var(--white) !important; }\nbody .st-michael-toc-page .tc-section h2 {\n  font-size: clamp(1.2rem, 2vw, 1.5rem) !important;\n  color: var(--ink) !important; margin: 0 !important;\n}\n\nbody .st-michael-toc-page .tc-section-number {\n  font-family: 'Playfair Display', serif !important; font-size: 0.78rem !important;\n  font-weight: 600 !important; color: var(--gold) !important; letter-spacing: 0.08em !important;\n  margin: 0 0 8px 0 !important; display: block !important;\n}\n\nbody .st-michael-toc-page .tc-section p {\n  font-family: 'Lora', serif !important; font-size: 0.95rem !important;\n  color: var(--ink-soft) !important; line-height: 1.85 !important; margin: 0 0 14px 0 !important;\n}\n\nbody .st-michael-toc-page .tc-section ul.tc-list {\n  list-style: none !important; padding: 0 !important; margin: 0 0 14px 0 !important;\n}\nbody .st-michael-toc-page .tc-section ul.tc-list li {\n  display: flex !important; align-items: flex-start !important; gap: 10px !important;\n  padding: 10px 0 !important; font-family: 'Lora', serif !important;\n  font-size: 0.95rem !important; color: var(--ink-soft) !important; line-height: 1.7 !important;\n  border-bottom: 1px dashed var(--border-light) !important;\n}\nbody .st-michael-toc-page .tc-section ul.tc-list li:last-child { border-bottom: none !important; }\nbody .st-michael-toc-page .tc-section ul.tc-list li .mi { font-size: 18px !important; color: var(--gold) !important; flex-shrink: 0 !important; margin-top: 2px !important; }\n\nbody .st-michael-toc-page .tc-note {\n  background: var(--cream-warm) !important;\n  border: 1px solid var(--border) !important;\n  border-left: 4px solid var(--gold) !important;\n  border-radius: var(--radius-sm) !important;\n  padding: 18px 20px !important; margin: 16px 0 !important;\n}\nbody .st-michael-toc-page .tc-note p {\n  font-family: 'Lora', serif !important; font-size: 0.88rem !important;\n  color: var(--ink-muted) !important; line-height: 1.75 !important; margin: 0 !important;\n}\nbody .st-michael-toc-page .tc-note strong { color: var(--ink-soft) !important; }\n\nbody .st-michael-toc-page .tc-warning {\n  background: #fff8f0 !important;\n  border: 1px solid #f0d8b8 !important;\n  border-left: 4px solid #d4880f !important;\n  border-radius: var(--radius-sm) !important;\n  padding: 18px 20px !important; margin: 16px 0 !important;\n}\nbody .st-michael-toc-page .tc-warning p {\n  font-family: 'Lora', serif !important; font-size: 0.88rem !important;\n  color: var(--ink-muted) !important; line-height: 1.75 !important; margin: 0 !important;\n}\nbody .st-michael-toc-page .tc-warning strong { color: #8a5a00 !important; }\n\n\/* Sidebar *\/\nbody .st-michael-toc-page .tc-sidebar { display: flex !important; flex-direction: column !important; gap: 22px !important; }\n\nbody .st-michael-toc-page .tc-side-card {\n  background: var(--white) !important; border: 1px solid var(--border-light) !important;\n  border-radius: var(--radius-md) !important; padding: 26px 22px !important;\n  box-shadow: var(--shadow-sm) !important;\n  transition: transform var(--fast), box-shadow var(--fast) !important;\n}\nbody .st-michael-toc-page .tc-side-card:hover { transform: translateY(-3px) !important; box-shadow: var(--shadow-md) !important; }\n\nbody .st-michael-toc-page .tc-side-card h4 {\n  font-family: 'Playfair Display', serif !important; font-size: 1rem !important;\n  font-weight: 600 !important; color: var(--ink) !important;\n  margin: 0 0 14px 0 !important; line-height: 1.3 !important;\n  display: flex !important; align-items: center !important; gap: 8px !important;\n}\nbody .st-michael-toc-page .tc-side-card h4 .mi { font-size: 20px !important; color: var(--maroon) !important; }\n\nbody .st-michael-toc-page .tc-side-card p {\n  font-family: 'Lora', serif !important; font-size: 0.84rem !important;\n  color: var(--ink-muted) !important; line-height: 1.7 !important; margin: 0 0 12px 0 !important;\n}\nbody .st-michael-toc-page .tc-side-card p:last-child { margin-bottom: 0 !important; }\n\nbody .st-michael-toc-page .tc-side-card a {\n  display: inline-flex !important; align-items: center !important; gap: 5px !important;\n  font-family: 'Cormorant Garamond', serif !important; font-size: 0.88rem !important;\n  font-weight: 600 !important; color: var(--maroon) !important; letter-spacing: 0.04em !important;\n  text-decoration: none !important; transition: gap var(--fast), color var(--fast) !important;\n}\nbody .st-michael-toc-page .tc-side-card a:hover { gap: 8px !important; color: var(--maroon-dark) !important; }\nbody .st-michael-toc-page .tc-side-card a .mi { font-size: 16px !important; }\n\nbody .st-michael-toc-page .tc-side-toc {\n  list-style: none !important; margin: 0 !important; padding: 0 !important;\n}\nbody .st-michael-toc-page .tc-side-toc li { border-bottom: 1px dashed var(--border-light) !important; }\nbody .st-michael-toc-page .tc-side-toc li:last-child { border-bottom: none !important; }\nbody .st-michael-toc-page .tc-side-toc a {\n  display: flex !important; align-items: center !important; gap: 8px !important;\n  padding: 10px 0 !important; font-family: 'Lora', serif !important;\n  font-size: 0.84rem !important; color: var(--ink-muted) !important;\n  text-decoration: none !important; transition: color var(--fast), padding-left var(--fast) !important;\n}\nbody .st-michael-toc-page .tc-side-toc a:hover { color: var(--maroon) !important; padding-left: 6px !important; }\nbody .st-michael-toc-page .tc-side-toc a .mi { font-size: 16px !important; color: var(--gold) !important; flex-shrink: 0 !important; }\n\nbody .st-michael-toc-page .tc-side-contact-icon {\n  width: 44px !important; height: 44px !important; border-radius: 50% !important;\n  background: linear-gradient(135deg, var(--gold-dark), var(--gold)) !important;\n  display: flex !important; align-items: center !important; justify-content: center !important;\n  flex-shrink: 0 !important;\n}\nbody .st-michael-toc-page .tc-side-contact-icon .mi { font-size: 20px !important; color: var(--white) !important; }\n\n\/* ===== CTA ===== *\/\nbody .st-michael-toc-page .tc-cta {\n  background: linear-gradient(165deg, #3d000e 0%, #79021c 50%, #580115 100%) !important;\n  padding: 70px 0 !important; text-align: center !important;\n  position: relative !important; overflow: hidden !important; margin: 0 !important;\n}\nbody .st-michael-toc-page .tc-cta-inner {\n  max-width: 640px !important; margin: 0 auto !important;\n  padding: 0 40px !important; position: relative !important; z-index: 2 !important;\n}\nbody .st-michael-toc-page .tc-cta h2 { color: var(--white) !important; margin-bottom: 12px !important; }\nbody .st-michael-toc-page .tc-cta p {\n  font-family: 'Lora', serif !important; font-size: 0.95rem !important;\n  color: rgba(255,255,255,0.6) !important; line-height: 1.8 !important;\n  margin: 0 0 28px 0 !important;\n}\nbody .st-michael-toc-page .tc-cta-actions { display: flex !important; justify-content: center !important; gap: 14px !important; flex-wrap: wrap !important; }\n\nbody .st-michael-toc-page a.tc-btn-gold,\nbody .st-michael-toc-page a.tc-btn-gold:link,\nbody .st-michael-toc-page a.tc-btn-gold:visited {\n  display: inline-flex !important; align-items: center !important; gap: 10px !important;\n  padding: 14px 32px !important; font-family: 'Cormorant Garamond', serif !important;\n  font-size: 0.95rem !important; font-weight: 700 !important; letter-spacing: 0.14em !important;\n  text-transform: uppercase !important; text-decoration: none !important;\n  color: var(--gold) !important; background-color: var(--maroon-deeper) !important;\n  background-image: none !important; border: 2px solid var(--gold) !important;\n  border-radius: var(--radius-sm) !important; cursor: pointer !important;\n  box-shadow: 0 4px 20px rgba(201,168,76,0.25) !important;\n  transition: background-color var(--fast), color var(--fast), transform var(--fast), box-shadow var(--fast) !important;\n}\nbody .st-michael-toc-page a.tc-btn-gold:hover,\nbody .st-michael-toc-page a.tc-btn-gold:focus {\n  background-color: var(--gold) !important; color: var(--maroon-deeper) !important;\n  transform: translateY(-2px) !important; box-shadow: 0 8px 32px rgba(201,168,76,0.45) !important;\n}\nbody .st-michael-toc-page a.tc-btn-gold .mi { font-size: 19px !important; transition: transform var(--fast) !important; }\nbody .st-michael-toc-page a.tc-btn-gold:hover .mi { transform: translateX(3px) !important; }\n\nbody .st-michael-toc-page a.tc-btn-ghost,\nbody .st-michael-toc-page a.tc-btn-ghost:link,\nbody .st-michael-toc-page a.tc-btn-ghost:visited {\n  display: inline-flex !important; align-items: center !important; gap: 10px !important;\n  padding: 14px 32px !important; font-family: 'Cormorant Garamond', serif !important;\n  font-size: 0.95rem !important; font-weight: 600 !important; letter-spacing: 0.12em !important;\n  text-transform: uppercase !important; text-decoration: none !important;\n  color: var(--gold) !important; background-color: transparent !important;\n  background-image: none !important; border: 2px solid var(--gold) !important;\n  border-radius: var(--radius-sm) !important;\n  transition: border-color var(--fast), background var(--fast), color var(--fast), transform var(--fast) !important;\n}\nbody .st-michael-toc-page a.tc-btn-ghost:hover,\nbody .st-michael-toc-page a.tc-btn-ghost:focus {\n  border-color: var(--gold-light) !important; background-color: rgba(201,168,76,0.12) !important;\n  color: var(--gold-light) !important; transform: translateY(-2px) !important;\n}\nbody .st-michael-toc-page a.tc-btn-ghost .mi { font-size: 19px !important; }\n\n\/* ===== BACK TO TOP ===== *\/\nbody .st-michael-toc-page .tc-btt {\n  position: fixed !important; bottom: 30px !important; right: 30px !important;\n  width: 48px !important; height: 48px !important; border-radius: 50% !important;\n  background: var(--maroon) !important; color: var(--white) !important;\n  border: none !important; cursor: pointer !important; z-index: 999 !important;\n  display: flex !important; align-items: center !important; justify-content: center !important;\n  box-shadow: 0 4px 20px rgba(121,2,28,0.3) !important;\n  opacity: 0 !important; transform: translateY(20px) !important;\n  transition: opacity var(--fast), transform var(--fast), background var(--fast) !important;\n  pointer-events: none !important;\n}\nbody .st-michael-toc-page .tc-btt.tc-btt-show {\n  opacity: 1 !important; transform: translateY(0) !important; pointer-events: auto !important;\n}\nbody .st-michael-toc-page .tc-btt:hover { background: var(--maroon-dark) !important; transform: translateY(-3px) !important; }\nbody .st-michael-toc-page .tc-btt .mi { font-size: 22px !important; color: var(--white) !important; }\n\n\/* ===== RESPONSIVE ===== *\/\n@media (max-width: 1024px) {\n  body .st-michael-toc-page .tc-hero-inner { padding: 65px 36px 60px !important; }\n  body .st-michael-toc-page .tc-main { grid-template-columns: 1fr !important; gap: 36px !important; }\n  body .st-michael-toc-page .tc-sidebar { display: grid !important; grid-template-columns: 1fr 1fr !important; gap: 18px !important; }\n}\n@media (max-width: 768px) {\n  body .st-michael-toc-page .tc-hero-inner { padding: 55px 24px 50px !important; }\n  body .st-michael-toc-page .tc-main { padding: 40px 24px 70px !important; }\n  body .st-michael-toc-page .tc-sidebar { grid-template-columns: 1fr !important; }\n  body .st-michael-toc-page .tc-qnav-inner { padding: 0 16px !important; }\n}\n@media (max-width: 480px) {\n  body .st-michael-toc-page .tc-hero-inner { padding: 46px 16px 40px !important; }\n  body .st-michael-toc-page .tc-hero h1 { font-size: 1.6rem !important; }\n  body .st-michael-toc-page .tc-hero-meta { flex-direction: column !important; gap: 6px !important; }\n  body .st-michael-toc-page .tc-main { padding: 30px 16px 60px !important; }\n  body .st-michael-toc-page .tc-section-head { gap: 10px !important; }\n  body .st-michael-toc-page .tc-section-icon { width: 38px !important; height: 38px !important; }\n  body .st-michael-toc-page .tc-section-icon .mi { font-size: 18px !important; }\n  body .st-michael-toc-page .tc-cta-inner { padding: 0 16px !important; }\n  body .st-michael-toc-page .tc-cta-actions { flex-direction: column !important; align-items: center !important; }\n  body .st-michael-toc-page a.tc-btn-gold,\n  body .st-michael-toc-page a.tc-btn-ghost { width: 100% !important; justify-content: center !important; padding: 13px 24px !important; }\n  body .st-michael-toc-page .tc-btt { bottom: 18px !important; right: 18px !important; width: 42px !important; height: 42px !important; }\n}\n<\/style>\n\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Material+Symbols+Outlined:opsz,wght,FILL,GRAD@20..48,100..700,0..1,-50..200&#038;display=block\" rel=\"stylesheet\" \/>\n\n<div class=\"st-michael-toc-page\">\n\n  <!-- ===== HERO ===== -->\n  <section class=\"tc-hero\">\n    <div class=\"tc-hero-inner\">\n      <div class=\"tc-hero-badge\">\n        <span class=\"mi\">gavel<\/span>\n        <span class=\"tc-hero-badge-text\">St. Michael the Archangel<\/span>\n      <\/div>\n      <h1>Terms &amp; <em>Conditions<\/em><\/h1>\n      <p class=\"tc-hero-sub\">Please read these Terms and Conditions carefully before using the St. Michael the Archangel Mission Center website. By accessing or using our website, you agree to be bound by these terms.<\/p>\n      <div class=\"tc-hero-meta\">\n        <span><span class=\"mi\">calendar_today<\/span> Last Updated: March 6, 2026<\/span>\n        <span><span class=\"mi\">link<\/span> <a href=\"https:\/\/demo5.yinwoodweb.com\/malaya\/\" target=\"_blank\" rel=\"noopener\" style=\"color:var(--gold-light) !important;text-decoration:none !important;border-bottom:1px solid rgba(227,209,138,0.4) !important\">demo5.yinwoodweb.com\/malaya<\/a><\/span>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- ===== QUICK NAV ===== -->\n  <nav class=\"tc-qnav\">\n    <div class=\"tc-qnav-inner\">\n      <a href=\"#tc-intro\" class=\"tc-qnav-item tc-qnav-active\"><span class=\"mi\">info<\/span> Introduction<\/a>\n      <a href=\"#tc-use\" class=\"tc-qnav-item\"><span class=\"mi\">language<\/span> Use of Website<\/a>\n      <a href=\"#tc-general\" class=\"tc-qnav-item\"><span class=\"mi\">tune<\/span> General Conditions<\/a>\n      <a href=\"#tc-comments\" class=\"tc-qnav-item\"><span class=\"mi\">forum<\/span> Comments &amp; Submissions<\/a>\n      <a href=\"#tc-personal\" class=\"tc-qnav-item\"><span class=\"mi\">lock_person<\/span> Personal Information<\/a>\n      <a href=\"#tc-errors\" class=\"tc-qnav-item\"><span class=\"mi\">warning<\/span> Errors &amp; Omissions<\/a>\n      <a href=\"#tc-disclaimer\" class=\"tc-qnav-item\"><span class=\"mi\">shield<\/span> Disclaimer<\/a>\n      <a href=\"#tc-indemnify\" class=\"tc-qnav-item\"><span class=\"mi\">security<\/span> Indemnification<\/a>\n      <a href=\"#tc-agreement\" class=\"tc-qnav-item\"><span class=\"mi\">description<\/span> Entire Agreement<\/a>\n      <a href=\"#tc-waiver\" class=\"tc-qnav-item\"><span class=\"mi\">handshake<\/span> Waiver<\/a>\n      <a href=\"#tc-sever\" class=\"tc-qnav-item\"><span class=\"mi\">content_cut<\/span> Severability<\/a>\n      <a href=\"#tc-updates\" class=\"tc-qnav-item\"><span class=\"mi\">notifications<\/span> Updates<\/a>\n      <a href=\"#tc-contact\" class=\"tc-qnav-item\"><span class=\"mi\">mail<\/span> Contact Us<\/a>\n    <\/div>\n  <\/nav>\n\n  <!-- ===== MAIN ===== -->\n  <div class=\"tc-main\">\n    <div class=\"tc-content\">\n\n      <!-- 1. INTRODUCTION -->\n      <div class=\"tc-section\" id=\"tc-intro\">\n        <span class=\"tc-section-number\">Section 1<\/span>\n        <div class=\"tc-section-head\">\n          <div class=\"tc-section-icon\"><span class=\"mi\">info<\/span><\/div>\n          <h2>Introduction<\/h2>\n        <\/div>\n        <p>This website is operated by St. Michael the Archangel Mission Center. The terms &#8220;we&#8221;, &#8220;us&#8221;, and &#8220;our&#8221; refer to St. Michael the Archangel Mission Center. The use of our website is subject to the following terms and conditions of use, as amended from time to time (the &#8220;Terms&#8221;). The Terms are to be read together by you with any terms, conditions or disclaimers provided in the pages of our website.<\/p>\n        <p>Please review the Terms carefully. The Terms apply to all users of our website, including without limitation, users who are browsers, members, parishioners, merchants, vendors and\/or contributors of content.<\/p>\n        <div class=\"tc-note\">\n          <p><strong>By accessing and using this website,<\/strong> you accept and agree to be bound by and comply with the Terms and our <a href=\"https:\/\/demo5.yinwoodweb.com\/malaya\/privacy-policy\/\">Privacy Policy<\/a>. If you do not agree to the Terms or our Privacy Policy, you are not authorized to access our website or use any of our website&#8217;s services.<\/p>\n        <\/div>\n      <\/div>\n\n      <!-- 2. USE OF OUR WEBSITE -->\n      <div class=\"tc-section\" id=\"tc-use\">\n        <span class=\"tc-section-number\">Section 2<\/span>\n        <div class=\"tc-section-head\">\n          <div class=\"tc-section-icon\"><span class=\"mi\">language<\/span><\/div>\n          <h2>Use of Our Website<\/h2>\n        <\/div>\n        <p>You agree to use our website for legitimate purposes and not for any illegal or unauthorized purpose, including without limitation, in violation of any intellectual property or privacy law. By agreeing to the Terms, you represent and warrant that you are at least the age of majority in your state or province of residence and are legally capable of entering into a binding agreement.<\/p>\n        <p>You agree to not use our website to conduct any activity that would constitute a civil or criminal offense or violate any law. You agree not to attempt to interfere with our website&#8217;s network or security features or to gain unauthorized access to our systems.<\/p>\n        <ul class=\"tc-list\">\n          <li><span class=\"mi\">check_circle<\/span> You agree to provide us with accurate personal information, such as your email address, mailing address and other contact details in order to complete our service or contact you as needed.<\/li>\n          <li><span class=\"mi\">check_circle<\/span> You agree to promptly update your account and information.<\/li>\n          <li><span class=\"mi\">check_circle<\/span> You authorize us to collect and use this information to contact you in accordance with our <a href=\"https:\/\/demo5.yinwoodweb.com\/malaya\/privacy-policy\/\">Privacy Policy<\/a>.<\/li>\n        <\/ul>\n      <\/div>\n\n      <!-- 3. GENERAL CONDITIONS -->\n      <div class=\"tc-section\" id=\"tc-general\">\n        <span class=\"tc-section-number\">Section 3<\/span>\n        <div class=\"tc-section-head\">\n          <div class=\"tc-section-icon\"><span class=\"mi\">tune<\/span><\/div>\n          <h2>General Conditions<\/h2>\n        <\/div>\n        <p>We reserve the right to refuse service to anyone, at any time, for any reason. We reserve the right to make any modifications to the website, including terminating, changing, suspending or discontinuing any aspect of the website at any time, without notice. We may impose additional rules or limits on the use of our website.<\/p>\n        <p>You agree to review the Terms regularly and your continued access or use of our website will mean that you agree to any changes. You agree that we will not be liable to you or any third party for any modification, suspension or discontinuance of our website or for any service, content, feature or product offered through our website.<\/p>\n      <\/div>\n\n      <!-- 4. COMMENTS, FEEDBACK, SUBMISSIONS -->\n      <div class=\"tc-section\" id=\"tc-comments\">\n        <span class=\"tc-section-number\">Section 4<\/span>\n        <div class=\"tc-section-head\">\n          <div class=\"tc-section-icon\"><span class=\"mi\">forum<\/span><\/div>\n          <h2>Comments, Feedback, and Other Submissions<\/h2>\n        <\/div>\n        <p>You acknowledge that you are responsible for the information, profiles, opinions, messages, comments and any other content (collectively, the &#8220;Content&#8221;) that you post, distribute or share on or through our website or services available in connection with our website. You further acknowledge that you have full responsibility for the Content, including but not limited to, with respect to its legality, and its trademark, copyright and other intellectual property ownership.<\/p>\n        <p>You agree that any Content submitted by you in response to a request by us for a specific submission may be edited, adapted, modified, recreated, published, or distributed by us. You further agree that we are under no obligation to maintain any Content in confidence, to pay compensation for any Content or to respond to any Content.<\/p>\n        <div class=\"tc-warning\">\n          <p><strong>Prohibited content:<\/strong> You agree that you will not post, distribute or share any Content on our website that is protected by copyright, trademark, patent or any other proprietary right without the express consent of the owner of such proprietary right. You further agree that your Content will not be unlawful, abusive or obscene nor will it contain any malware or computer virus that could affect our website&#8217;s operations.<\/p>\n        <\/div>\n        <p>You will be solely liable for any Content that you make and its accuracy. We have no responsibility and assume no liability for any Content posted by you or any third-party. We reserve the right to terminate your ability to post on our website and to remove and\/or delete any Content that we deem objectionable. You consent to such removal and\/or deletion and waive any claim against us for the removal and\/or deletion of your Content.<\/p>\n      <\/div>\n\n      <!-- 5. PERSONAL INFORMATION -->\n      <div class=\"tc-section\" id=\"tc-personal\">\n        <span class=\"tc-section-number\">Section 5<\/span>\n        <div class=\"tc-section-head\">\n          <div class=\"tc-section-icon\"><span class=\"mi\">lock_person<\/span><\/div>\n          <h2>Your Personal Information<\/h2>\n        <\/div>\n        <p>Please see our <a href=\"https:\/\/demo5.yinwoodweb.com\/malaya\/privacy-policy\/\">Privacy Policy<\/a> to learn about how we collect, use, and share your personal information.<\/p>\n      <\/div>\n\n      <!-- 6. ERRORS AND OMISSIONS -->\n      <div class=\"tc-section\" id=\"tc-errors\">\n        <span class=\"tc-section-number\">Section 6<\/span>\n        <div class=\"tc-section-head\">\n          <div class=\"tc-section-icon\"><span class=\"mi\">warning<\/span><\/div>\n          <h2>Errors and Omissions<\/h2>\n        <\/div>\n        <p>Please note that our website may contain typographical errors or inaccuracies and may not be complete or current. We reserve the right to correct any errors, inaccuracies or omissions and to change or update information at any time, without prior notice (including after an order has been submitted).<\/p>\n        <p>Such errors, inaccuracies or omissions may relate to product description, pricing, promotion and availability and we reserve the right to cancel or refuse any order placed based on incorrect pricing or availability information, to the extent permitted by applicable law.<\/p>\n        <div class=\"tc-note\">\n          <p><strong>Please note:<\/strong> We do not undertake to update, modify or clarify information on our website, except as required by law.<\/p>\n        <\/div>\n      <\/div>\n\n      <!-- 7. DISCLAIMER AND LIMITATION OF LIABILITY -->\n      <div class=\"tc-section\" id=\"tc-disclaimer\">\n        <span class=\"tc-section-number\">Section 7<\/span>\n        <div class=\"tc-section-head\">\n          <div class=\"tc-section-icon\"><span class=\"mi\">shield<\/span><\/div>\n          <h2>Disclaimer and Limitation of Liability<\/h2>\n        <\/div>\n        <p>You assume all responsibility and risk with respect to your use of our website, which is provided &#8220;as is&#8221; without warranties, representations or conditions of any kind, either express or implied, with regard to information accessed from or via our website, including without limitation, all content and materials, and functions and services provided on our website, all of which are provided without warranty of any kind, including but not limited to warranties concerning the availability, accuracy, completeness or usefulness of content or information, uninterrupted access, and any warranties of title, non-infringement, merchantability or fitness for a particular purpose.<\/p>\n        <p>We do not warrant that our website or its functioning or the content and material of the services made available thereby will be timely, secure, uninterrupted or error-free and that defects will be corrected. The use of our website is at your sole risk and you assume full responsibility for any costs associated with your use of our website.<\/p>\n        <p>We will not be liable for any damages of any kind related to the use of our website. In no event will we, or our affiliates, our or their respective content or service providers, or any of our or their respective directors, officers, agents, contractors, suppliers or employees be liable to you for any direct, indirect, special, incidental, consequential, exemplary or punitive damages, losses or causes of action, or lost revenue, lost profits, lost business or sales, or any other type of damage, whether based in contract or tort (including negligence), strict liability or otherwise, arising from your use of, or the inability to use, or the performance of, our website or the content or material or functionality through our website, even if we are advised of the possibility of such damages.<\/p>\n        <div class=\"tc-warning\">\n          <p><strong>Jurisdiction notice:<\/strong> Certain jurisdictions do not allow limitation of liability or the exclusion or limitation of certain damages. In such jurisdictions, some or all of the above disclaimers, exclusions, or limitations may not apply to you, and our liability will be limited to the maximum extent permitted by law.<\/p>\n        <\/div>\n      <\/div>\n\n      <!-- 8. INDEMNIFICATION -->\n      <div class=\"tc-section\" id=\"tc-indemnify\">\n        <span class=\"tc-section-number\">Section 8<\/span>\n        <div class=\"tc-section-head\">\n          <div class=\"tc-section-icon\"><span class=\"mi\">security<\/span><\/div>\n          <h2>Indemnification<\/h2>\n        <\/div>\n        <p>You agree to defend and indemnify us, and hold us and our affiliates harmless, and our and their respective directors, officers, agents, contractors, and employees against any losses, liabilities, claims, expenses (including legal fees) in any way arising from, related to or in connection with your use of our website, your violation of the Terms, or the posting or transmission of any materials on or through the website by you, including but not limited to, any third party claim that any information or materials provided by you infringe upon any third party proprietary rights.<\/p>\n      <\/div>\n\n      <!-- 9. ENTIRE AGREEMENT -->\n      <div class=\"tc-section\" id=\"tc-agreement\">\n        <span class=\"tc-section-number\">Section 9<\/span>\n        <div class=\"tc-section-head\">\n          <div class=\"tc-section-icon\"><span class=\"mi\">description<\/span><\/div>\n          <h2>Entire Agreement<\/h2>\n        <\/div>\n        <p>The Terms and any documents expressly referred to in them represent the entire agreement between you and us in relation to the subject matter of the Terms and supersede any prior agreement, understanding or arrangement between you and us, whether oral or in writing. Both you and we acknowledge that, in entering into these Terms, neither you nor we have relied on any representation, undertaking or promise given by the other or implied from anything said or written between you and us prior to such Terms, except as expressly stated in the Terms.<\/p>\n      <\/div>\n\n      <!-- 10. WAIVER -->\n      <div class=\"tc-section\" id=\"tc-waiver\">\n        <span class=\"tc-section-number\">Section 10<\/span>\n        <div class=\"tc-section-head\">\n          <div class=\"tc-section-icon\"><span class=\"mi\">handshake<\/span><\/div>\n          <h2>Waiver<\/h2>\n        <\/div>\n        <p>Our failure to exercise or enforce any right or provision of the Terms will not constitute a waiver of such right or provision. A waiver by us of any default will not constitute a waiver of any subsequent default. No waiver by us is effective unless it is communicated to you in writing.<\/p>\n      <\/div>\n\n      <!-- 11. SEVERABILITY -->\n      <div class=\"tc-section\" id=\"tc-sever\">\n        <span class=\"tc-section-number\">Section 11<\/span>\n        <div class=\"tc-section-head\">\n          <div class=\"tc-section-icon\"><span class=\"mi\">content_cut<\/span><\/div>\n          <h2>Severability<\/h2>\n        <\/div>\n        <p>If any of the provisions of the Terms are determined by any competent authority to be invalid, unlawful or unenforceable, such provision will to that extent be severed from the remaining Terms, which will continue to be valid and enforceable to the fullest extent permitted by law.<\/p>\n      <\/div>\n\n      <!-- 12. UPDATES -->\n      <div class=\"tc-section\" id=\"tc-updates\">\n        <span class=\"tc-section-number\">Section 12<\/span>\n        <div class=\"tc-section-head\">\n          <div class=\"tc-section-icon\"><span class=\"mi\">notifications<\/span><\/div>\n          <h2>Terms &amp; Conditions Updates<\/h2>\n        <\/div>\n        <p>We may need to update our Terms and Conditions as St. Michael the Archangel Mission Center and our parish community grow and evolve. If we make significant changes to the Terms and Conditions, we will post a message on our website to notify you.<\/p>\n      <\/div>\n\n      <!-- 13. CONTACT US -->\n      <div class=\"tc-section\" id=\"tc-contact\">\n        <span class=\"tc-section-number\">Section 13<\/span>\n        <div class=\"tc-section-head\">\n          <div class=\"tc-section-icon\"><span class=\"mi\">mail<\/span><\/div>\n          <h2>Have Questions?<\/h2>\n        <\/div>\n        <p>If you have any questions about our Terms &amp; Conditions, we will do our best to answer them. You can reach us through the following channels:<\/p>\n        <ul class=\"tc-list\">\n          <li><span class=\"mi\">location_on<\/span> Brgy. Malaya, General Luna, Quezon Province<\/li>\n          <li><span class=\"mi\">call<\/span> Parish Office: (555) 123-4567<\/li>\n          <li><span class=\"mi\">mail<\/span> <a href=\"mailto:office@stmichaelmission.org\">office@stmichaelmission.org<\/a><\/li>\n        <\/ul>\n        <p>Or visit our <a href=\"https:\/\/demo5.yinwoodweb.com\/malaya\/contact-us\">Contact Us<\/a> page to send us a message directly.<\/p>\n      <\/div>\n\n    <\/div>\n\n    <!-- SIDEBAR -->\n    <aside class=\"tc-sidebar\">\n      <div class=\"tc-side-card\">\n        <h4><span class=\"mi\">menu<\/span> Table of Contents<\/h4>\n        <ul class=\"tc-side-toc\">\n          <li><a href=\"#tc-intro\"><span class=\"mi\">chevron_right<\/span> 1. Introduction<\/a><\/li>\n          <li><a href=\"#tc-use\"><span class=\"mi\">chevron_right<\/span> 2. Use of Website<\/a><\/li>\n          <li><a href=\"#tc-general\"><span class=\"mi\">chevron_right<\/span> 3. General Conditions<\/a><\/li>\n          <li><a href=\"#tc-comments\"><span class=\"mi\">chevron_right<\/span> 4. Comments &amp; Submissions<\/a><\/li>\n          <li><a href=\"#tc-personal\"><span class=\"mi\">chevron_right<\/span> 5. Personal Information<\/a><\/li>\n          <li><a href=\"#tc-errors\"><span class=\"mi\">chevron_right<\/span> 6. Errors &amp; Omissions<\/a><\/li>\n          <li><a href=\"#tc-disclaimer\"><span class=\"mi\">chevron_right<\/span> 7. Disclaimer &amp; Liability<\/a><\/li>\n          <li><a href=\"#tc-indemnify\"><span class=\"mi\">chevron_right<\/span> 8. Indemnification<\/a><\/li>\n          <li><a href=\"#tc-agreement\"><span class=\"mi\">chevron_right<\/span> 9. Entire Agreement<\/a><\/li>\n          <li><a href=\"#tc-waiver\"><span class=\"mi\">chevron_right<\/span> 10. Waiver<\/a><\/li>\n          <li><a href=\"#tc-sever\"><span class=\"mi\">chevron_right<\/span> 11. Severability<\/a><\/li>\n          <li><a href=\"#tc-updates\"><span class=\"mi\">chevron_right<\/span> 12. Updates<\/a><\/li>\n          <li><a href=\"#tc-contact\"><span class=\"mi\">chevron_right<\/span> 13. Contact Us<\/a><\/li>\n        <\/ul>\n      <\/div>\n\n      <div class=\"tc-side-card\">\n        <h4><span class=\"mi\">event<\/span> Quick Facts<\/h4>\n        <p><strong style=\"color:var(--ink-soft) !important;\">Effective:<\/strong> March 6, 2026<\/p>\n        <p><strong style=\"color:var(--ink-soft) !important;\">Applies To:<\/strong> All website visitors, browsers, members, merchants, vendors, and contributors of content.<\/p>\n        <p><strong style=\"color:var(--ink-soft) !important;\">Governing Entity:<\/strong> St. Michael the Archangel Mission Center, Diocese of Gumaca.<\/p>\n      <\/div>\n\n      <div class=\"tc-side-card\">\n        <h4><span class=\"mi\">menu_book<\/span> Related Pages<\/h4>\n        <p><a href=\"https:\/\/demo5.yinwoodweb.com\/malaya\/privacy-policy\/\"><span class=\"mi\">chevron_right<\/span> Privacy Policy<\/a><\/p>\n        <p><a href=\"https:\/\/demo5.yinwoodweb.com\/malaya\/contact-us\"><span class=\"mi\">chevron_right<\/span> Contact Us<\/a><\/p>\n        <p><a href=\"https:\/\/demo5.yinwoodweb.com\/malaya\/\"><span class=\"mi\">chevron_right<\/span> Home Page<\/a><\/p>\n      <\/div>\n\n      <div class=\"tc-side-card\" style=\"background:var(--cream-warm) !important;\">\n        <div style=\"display:flex !important;align-items:flex-start !important;gap:14px !important;\">\n          <div class=\"tc-side-contact-icon\"><span class=\"mi\">support_agent<\/span><\/div>\n          <div>\n            <h4 style=\"margin:0 0 8px 0 !important;font-size:0.98rem !important;\">Need Assistance?<\/h4>\n            <p>Our parish office is happy to address any concerns you may have about these terms.<\/p>\n            <a href=\"tel:+15551234567\"><span class=\"mi\">call<\/span> (555) 123-4567<\/a>\n            <br><br>\n            <a href=\"mailto:office@stmichaelmission.org\"><span class=\"mi\">mail<\/span> Email Us<\/a>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/aside>\n  <\/div>\n\n  <!-- ===== CTA ===== -->\n  <section class=\"tc-cta\">\n    <div class=\"tc-cta-inner\">\n      <h2 style=\"font-size:clamp(1.5rem,3vw,2.2rem) !important;\">Have More Questions?<\/h2>\n      <p>We are here to help. Reach out to our parish office for any concerns regarding these Terms &amp; Conditions, or return to our main website to learn more about our community.<\/p>\n      <div class=\"tc-cta-actions\">\n        <a href=\"https:\/\/demo5.yinwoodweb.com\/malaya\/\" class=\"tc-btn-gold\"><span class=\"mi\">arrow_back<\/span> Back to Website<\/a>\n        <a href=\"https:\/\/demo5.yinwoodweb.com\/malaya\/contact-us\" class=\"tc-btn-ghost\"><span class=\"mi\">chat<\/span> Contact Us<\/a>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- BACK TO TOP -->\n  <button class=\"tc-btt\" id=\"tcBtt\" title=\"Back to top\"><span class=\"mi\">keyboard_arrow_up<\/span><\/button>\n\n<\/div>\n\n<script>\n(function(){\n  \/* Quick nav active state on scroll *\/\n  var navItems = document.querySelectorAll('.st-michael-toc-page .tc-qnav-item');\n  var sections = [];\n  navItems.forEach(function(item){\n    var id = item.getAttribute('href').replace('#','');\n    var el = document.getElementById(id);\n    if(el) sections.push({id:id, el:el, nav:item});\n  });\n\n  function updateNav(){\n    var scrollY = window.scrollY + 100;\n    var current = sections[0];\n    sections.forEach(function(s){\n      if(s.el.offsetTop <= scrollY) current = s;\n    });\n    navItems.forEach(function(n){ n.classList.remove('tc-qnav-active'); 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