Terms of Service

1. Introduction

Welcome to ProblemTotem. These Terms of Service ("Terms") govern your access to and use of the ProblemTotem website and services available at https://problemtotem.com ("Service"), operated by Tugulab Ltd. ("we," "us," or "our").

By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of the Terms, you may not access the Service.

2. Description of Services

ProblemTotem is an application that helps people investigate problems, pain points and market gaps. Our Service provides tools and insights to analyze and understand various challenges and opportunities.

3. User Accounts and Responsibilities

When you create an account with us, you must provide accurate, complete, and current information. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account.

You are responsible for safeguarding the password used to access the Service and for any activities or actions under your account. You agree not to use the Service for any unlawful purpose or to engage in any activity that could harm the Service, other users, or third parties.

4. Subscription and Payment

When you purchase a subscription, you will have access to your content through ProblemTotem until your subscription expires.

By completing a purchase, you authorize our payment processor to charge your selected payment method for the applicable subscription fees and taxes.

5. Refund Policy

You may request a refund within 7 days after your purchase. Refund requests should be sent to claudio@problemtotem.com.

6. Intellectual Property

The Service and its original content, features, and functionality are owned by Tugulab Ltd. and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use the Service for personal use only.

7. Data Collection and Privacy

We collect the following data:

• Personal data: name, email, and payment information
• Non-personal data: web cookies for website functionality

For complete details on how we collect, use, and protect your data, please review our Privacy Policy at https://problemtotem.com/privacy-policy.

8. Limitation of Liability

To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of the Service.

9. Termination

We may terminate or suspend your account immediately, without prior notice or liability, for any reason, including without limitation if you breach the Terms.

10. Governing Law

These Terms shall be governed by the laws of the United Kingdom, without regard to its conflict of law provisions.

11. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide notice via email prior to any new terms taking effect.

12. Contact Us

If you have any questions about these Terms, please contact us at: