1. Introduction & Acceptance

By registering for an ASIO account, subscribing to any ASIO service (including ASIO Mastery, Ad Credits, or the Conversational Marketing Platform), or otherwise using our website and tools, you acknowledge that you have read, understood, and agree to comply with these Terms and Conditions, as well as our Privacy Policy, Cookie Policy, and any other policies referenced herein. If you do not agree to these Terms, you must immediately discontinue use of our services.

2. Definitions

• "ASIO," "we," "us," or "our": Refers to ASIO by Muan Group, a company that offers AI-powered conversational marketing software, educational programs, and related services.
• "User," "you," or "your": Refers to any individual or entity that registers for or accesses ASIO services.
• "Services": Includes (but is not limited to) the ASIO conversational marketing platform, ASIO Mastery courses, advertisement credits, AI-based automation tools, CRM integrations, and any other products, features, or tools provided by ASIO.
• "ASIO Mastery": Our suite of educational programs designed to teach conversational marketing, AI-driven automation, and business growth strategies.
• "Content": Any materials, data, or information provided by ASIO, including but not limited to courses, videos, guides, templates, scripts, and software.

3. Eligibility & Account Registration

To use ASIO's services, you must meet the following requirements:

• Be at least 18 years old or the legal age of majority in your jurisdiction.
• Have the legal authority to enter into a binding contract.
• Provide accurate, complete, and up-to-date registration information.
• Not be prohibited from using our services under any applicable law or regulation.

Account Responsibilities:

• You are responsible for maintaining the confidentiality of your account credentials.
• You agree to notify ASIO immediately of any unauthorized access or security breach.
• You must not share your account with others unless expressly permitted by ASIO.
• ASIO is not liable for any loss or damage arising from your failure to protect your account.

4. Description of Services

ASIO provides the following categories of services:

4.1 ASIO Conversational Marketing Platform

A SaaS platform that enables you to automate customer interactions via WhatsApp, Instagram, Facebook Messenger, and other channels. This includes features such as chatbots, CRM integration, lead qualification, appointment scheduling, sales funnels, and analytics.

4.2 ASIO Mastery Programs

Online educational programs that teach conversational marketing, automation strategies, advertising techniques, and AI-driven business growth. These may include pre-recorded video lessons, live coaching sessions, templates, community access, and certifications.

4.3 Advertisement Credits

ASIO Credits are virtual currency that can be used to run marketing campaigns within the ASIO platform or on third-party advertising networks (such as Meta Ads). Credits may be purchased or provided as a promotional bonus.

4.4 Third-Party Integrations

ASIO may integrate with third-party tools such as Calendly, ManyChat, Stripe, and others. You acknowledge that the availability and functionality of these integrations depend on the third-party providers, and ASIO is not responsible for any disruptions or changes to these services.

5. ASIO Mastery Program Policies

5.1 Enrollment

• All ASIO Mastery enrollments are final. Once you enroll in a program, you are granted immediate digital access.
• Enrollment cannot be paused, canceled, transferred, or refunded unless explicitly stated under the Refund Policy (Section 12).

5.2 Access & Lifetime Membership

• Unless otherwise specified, ASIO Mastery programs include lifetime access to the course content.
• "Lifetime access" means for as long as ASIO operates the program. ASIO reserves the right to discontinue a program with reasonable notice, in which case you will retain access to existing materials or be offered a comparable alternative.

5.3 Course Completion & Certification

• To receive certification (if applicable), you must complete all required modules, assessments, and any other specified requirements.
• Certifications are digital and non-transferable.
• Certificates do not constitute professional accreditation or licensing.

5.4 Community & Coaching

• Some programs include access to a private community, coaching calls, or live sessions.
• ASIO reserves the right to moderate, restrict, or remove access to community features in cases of violation of community guidelines or Terms of Service.

6. Exams & Credits (Mastery Certification)

6.1 Exam Integrity

All ASIO Mastery exams must be completed honestly and independently. Any form of cheating, plagiarism, or unauthorized assistance will result in disqualification and potential account termination.

6.2 Retakes & Attempts

Unless otherwise specified, you are allowed a limited number of exam attempts. Additional attempts may require a fee or approval from ASIO support.

6.3 Certification Credits

Completing certain exams may earn you certification credits or badges. These are symbolic achievements and do not entitle you to monetary compensation or professional licensure.

7. Advertising Policies (For Ad Credits & Campaigns)

7.1 User Compliance

If you use ASIO to run advertising campaigns, you agree to:

• Comply with all applicable advertising laws and regulations, including those set by Meta, Google, and other platforms.
• Not promote illegal products, services, or activities.
• Not use deceptive, misleading, or offensive content.
• Respect intellectual property rights and not infringe on trademarks, copyrights, or other protected content.

7.2 Prohibited Content

You may not use ASIO services to advertise:

• Adult or explicit content
• Hate speech, violence, or discrimination
• Illegal drugs, weapons, or counterfeit goods
• Fraudulent financial schemes (e.g., "get rich quick" scams)
• Misleading health claims or unverified medical treatments

7.3 Ad Account Suspension

ASIO reserves the right to suspend or terminate any advertising campaign that violates these Terms or third-party platform policies. No refunds will be issued for suspended campaigns due to user violations.

8. Subscriptions & Billing

8.1 Subscription Types

ASIO offers the following subscription models:

• One-Time Payments: For programs like ASIO Mastery, which grant lifetime access.
• Recurring Subscriptions: For platform access, which auto-renews monthly or annually unless canceled.

8.2 Billing & Renewals

• Recurring subscriptions are billed automatically at the start of each billing cycle.
• You will be notified via email before each renewal.
• It is your responsibility to ensure your payment method is up to date.
• If a payment fails, ASIO may suspend your account until the payment is resolved.

8.3 Cancellation

• You may cancel a recurring subscription at any time from your account dashboard or by contacting support.
• Cancellations take effect at the end of the current billing cycle.
• No partial refunds are issued for unused time within a billing period.
• One-time purchases (like ASIO Mastery) cannot be canceled once access is granted.

9. Payments & Pricing

9.1 Accepted Payment Methods

ASIO accepts payments via major credit cards, debit cards, PayPal, and other approved payment processors.

9.2 Currency

All prices are listed in USD unless otherwise specified. Currency conversion fees may apply based on your payment provider.

9.3 Price Changes

ASIO reserves the right to change pricing at any time. Existing subscribers will be notified of price increases at least 30 days in advance.

9.4 Taxes

Prices do not include applicable sales tax, VAT, or other government-imposed fees. You are responsible for any such taxes based on your location.

9.5 Payment Disputes

If you believe you were charged incorrectly, contact compliance@asiomarketing.com within 14 days of the transaction. Chargebacks initiated without prior contact may result in account suspension.

10. Data Protection & Privacy

10.1 Commitment to Privacy

ASIO is committed to protecting your personal data in accordance with GDPR, CCPA, and other applicable data protection regulations. Please refer to our Privacy Policy for detailed information on how we collect, store, and use your data.

10.2 User-Generated Content

Any content you upload, create, or share via the ASIO platform remains your property. However, you grant ASIO a non-exclusive, worldwide, royalty-free license to use, display, and distribute such content solely for the purposes of providing and improving our services.

10.3 Data Retention

ASIO retains your data for as long as your account is active or as needed to provide services. You may request data deletion by contacting support, subject to legal and operational requirements.

11. Cookies & Tracking

ASIO uses cookies and similar technologies to enhance user experience, analyze traffic, and deliver personalized content. By using our services, you consent to our use of cookies as described in our Cookie Policy. You can manage cookie preferences through your browser settings.

12. Refund & Cancellation Policy

12.1 No-Refund Policy

Due to the nature of digital products and instant access, ASIO Mastery programs and one-time purchases are generally non-refundable. All sales are final once access is granted.

12.2 Exceptions

Refunds may be considered in exceptional circumstances, such as:

• Technical errors preventing access to the platform or course materials.
• Duplicate charges due to payment processing errors.
• Fraudulent transactions.

To request a refund, contact compliance@asiomarketing.com within 7 days of purchase with a detailed explanation. All refund requests are reviewed on a case-by-case basis and are subject to final approval by ASIO.

12.3 Recurring Subscriptions

Recurring subscription fees are non-refundable. If you cancel, your subscription remains active until the end of the current billing period.

13. Limitation of Liability

13.1 No Guarantees of Results

ASIO provides tools, training, and resources to help you grow your business. However, we do not guarantee specific outcomes, revenue, or results. Your success depends on factors beyond our control, including your effort, market conditions, and execution of strategies.

13.2 Service Disclaimer

ASIO services are provided "as is" and "as available." We do not warrant that our services will be error-free, uninterrupted, or free from security vulnerabilities. To the fullest extent permitted by law, ASIO disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

13.3 Limitation of Damages

In no event shall ASIO, its affiliates, officers, employees, or partners be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of revenue, data, or profits, arising out of or related to your use of our services, even if we have been advised of the possibility of such damages. Our total liability to you for any claims arising from these Terms or your use of our services shall not exceed the total amount you paid to ASIO in the 12 months preceding the claim.

14. Intellectual Property

14.1 ASIO Ownership

All content, software, designs, trademarks, logos, and other materials provided by ASIO are the exclusive property of ASIO or its licensors and are protected by copyright, trademark, and other intellectual property laws.

14.2 User Restrictions

You may not:

• Reproduce, distribute, or publicly display ASIO content without written permission.
• Reverse-engineer, decompile, or attempt to extract source code from ASIO software.
• Use ASIO trademarks or branding in a manner that implies endorsement or affiliation without authorization.
• Resell, sublicense, or redistribute ASIO materials or services.

15. Termination of Service

15.1 Termination by ASIO

ASIO reserves the right to suspend or terminate your account at any time, with or without notice, for reasons including but not limited to:

• Violation of these Terms and Conditions.
• Fraudulent activity or misuse of services.
• Failure to pay subscription fees.
• Legal or regulatory requirements.

15.2 Termination by User

You may terminate your account at any time by contacting support. Upon termination, you will lose access to all services, including ASIO Mastery content (unless otherwise specified). No refunds will be issued for early termination.

15.3 Effect of Termination

Upon termination, all licenses and rights granted to you under these Terms immediately cease. Provisions that by their nature should survive termination (e.g., intellectual property, liability limitations, dispute resolution) will remain in effect.

16. Compliance with Laws

You agree to use ASIO services in compliance with all applicable local, national, and international laws and regulations, including but not limited to laws governing data protection, advertising, telecommunications, and consumer rights.

17. Modifications to Terms

ASIO reserves the right to modify these Terms and Conditions at any time. Changes will be effective upon posting to our website. We will notify users of significant changes via email or platform notification. Your continued use of our services after changes are posted constitutes acceptance of the updated Terms.

18. Governing Law & Dispute Resolution

18.1 Governing Law

These Terms are governed by and construed in accordance with the laws of the jurisdiction in which ASIO is headquartered, without regard to conflict of law principles.

18.2 Arbitration

Any disputes arising from these Terms or your use of ASIO services shall be resolved through binding arbitration in accordance with the rules of the jurisdiction of ASIO's headquarters, rather than in court. You waive your right to participate in a class action lawsuit or class-wide arbitration.

18.3 Exceptions

ASIO may seek injunctive or other equitable relief in any court of competent jurisdiction to protect its intellectual property rights or prevent unauthorized use of its services.

19. Force Majeure

ASIO shall not be held liable for any failure or delay in performance due to circumstances beyond its reasonable control, including but not limited to natural disasters, pandemics, government actions, cyberattacks, or third-party service outages.

20. Severability

If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision shall be severed from these Terms, and the remaining provisions shall remain in full force and effect.

21. Contact Information

For questions, concerns, or support regarding these Terms and Conditions, please contact us at:

• Email: compliance@asiomarketing.com
• Website: www.asiomarketing.com
• Mailing Address: ASIO by Muan Group, [Insert Physical Address]

1. What are Cookies?

Cookies are small text files stored on your device. They can be Session cookies (deleted when browser closes) or Persistent cookies (remain until deleted).

2. What Types of Cookies Do We Use?

• Essential Cookies: Necessary for basic functioning (security, login).
• Performance and Analytics Cookies: Measure performance (Google Analytics, Meta Pixel, Hotjar).
• Functionality Cookies: Remember preferences (Language, Location).
• Advertising and Marketing Cookies: Show relevant ads (Google Ads, Facebook Ads).

3. How to Manage and Disable Cookies?

You can configure or block cookies through your browser settings (Chrome, Firefox, Edge, Safari) or via our website cookie banner.

4. Use of Third-Party Cookies

Some cookies are placed by third parties (social media, analytics) over which we have no direct control.

5. Changes to the Cookie Policy

We may update this policy at any time. Questions? Contact compliance@asiomarketing.com.

1. Overview

These policies clarify how payments, credits, billing, and refunds work across the platform.

2. Payment Terms

• Accepted Methods: Major credit/debit cards, PayPal, Mercado Pago
• Currency: USD
• One-Time Billing: Billed in full, no auto-renewal
• Recurring Billing: Auto-renews at start of cycle
• Third-Party Subscriptions: Billed separately by providers like ManyChat, Calendly

3. ASIO Credits

• Usage: Digital currency for campaigns (Meta, WhatsApp)
• Validity: During active subscription, unused credits don't roll over unless specified
• Earning Extra Credits: Lead generation, community engagement, special offers

4. Billing & Invoices

Invoices are accessible from the ASIO account and billing occurs at the start of each cycle.

5. Refund & Cancellation Policy

• Subscriptions: Cancel anytime, plan active until end of cycle, no partial refunds
• Asio Mastery Programs: All sales final, no refunds due to immediate digital access

6. Late Payments & Failed Transactions

Failed payments result in notification and unresolved payments may lead to suspension.

7. Dispute Resolution

Contact compliance@asiomarketing.com within 14 days of the billing date for incorrect charges.

Refund Policy

We do not offer refunds for ASIO Mastery programs due to the digital nature and immediate access provided. We focus on Support & Guidance to ensure success rather than refunds.

Cancellations

Enrollment cannot be paused, canceled, or transferred once purchased. You retain lifetime access.

1. Data Privacy & Security

Data stored using AES-256 encryption. Access restricted to authorized personnel with MFA. Routine vulnerability scans.

2. Do Not Call (DNC) List Management

ASIO enforces strict adherence to DNC registries. Customers are responsible for ensuring lawful opt-in procedures for imported lists.

3. TCPA Compliance

Promotional messages require prior express written consent. Messages must identify sender and provide opt-out. Customers indemnify ASIO from misuse.

4. GDPR & International Compliance

Data processed under lawful bases. Individuals have rights to access/rectify/erase data. Cross-border transfers under SCCs.

5. Enforcement & Accountability

Regular audits and annual training. Violations result in disciplinary action or termination.

6. Force Majeure

ASIO not liable for delays caused by events beyond reasonable control.