These Terms of Service ("the Terms") set out the rules for using Techloy.com (the "Website") and Techloy (the "Service"), a publication of Techloy Limited (the "Company", "we", "us"). They also cover subscribing to the Service, our pricing options, payment terms and refunds policy, and advertising with us.

Who we are. Techloy Limited is a company registered in England and Wales (company number 13488283). Our registered address is Suite A, 82 James Carter Road, Mildenhall, Bury St. Edmunds, Suffolk, IP28 7DE, United Kingdom.

Please read these Terms carefully before using the Service. They should be read together with our Privacy Policy and Community Guidelines. If you do not agree to these Terms, please do not use the Service.

1. Accounts and eligibility

You must be at least 16 years old to create an account, subscribe or become a member. By signing up, you confirm that you meet this requirement and that the information you give us is accurate.

You are responsible for keeping your login details secure and for all activity under your account. Accounts are for individual use and may not be shared or transferred.

We may suspend or close your account if you misuse the Service, breach these Terms or our Community Guidelines, attempt fraud, or if we are required to by law.

2. Subscriptions

A subscription allows you to receive the subscription content from the Service, such as articles, exclusive content, or promotional content, through email or via the Website. To subscribe, you may be required to provide certain information, such as your email address and name.

We handle your personal information as described in our Privacy Policy, which explains what we collect, how we use it, who we share it with, and your rights.

The content delivered through the subscription is for your personal, non-commercial use. You may not reproduce, distribute, modify, or create derivative works of the content without the express written permission of the Service. You can unsubscribe from the Service at any time by following the instructions included in each email you receive.

3. Payment terms

3.1 Subscribers

The Service accepts credit and debit cards through Stripe and will automatically charge your card for all applicable fees on a monthly or yearly basis, depending on which plan you select, until you or we cancel your account. The fee is billed when you become a member and each month or year thereafter unless and until you cancel your membership. If any fee is not paid on time, or we are unable to process your payment, we may suspend or revoke access to your paid membership.

All information you provide in connection with a payment must be accurate, complete and current. You agree to pay all charges incurred through your payment method at the prices in effect when they are incurred, together with any applicable taxes.

It is your responsibility to keep your payment details current. If your card expires or changes, please update it in your account settings to avoid any interruption to your membership. You remain responsible for any amounts due on your account.

Renewals and price changes. Your membership renews automatically at the end of each billing period. We will tell you before any price change takes effect, and you can cancel before your next renewal if you do not wish to continue at the new price.

Special offers. The Service may offer special rates to certain eligible groups. If you qualify and subscribe through a special offer, you will be billed at the advertised special rate for one year and automatically renewed at the regular rate after that, unless you cancel before the renewal date.

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Learn more about subscribing to the Service and our pricing options.

3.2 Advertisers and Partners

All advertising, publication and related fees are quoted and payable in US dollars (USD). The Service accepts payment via PayPal, Payoneer or bank transfer. All published rates already include any applicable discounts. All fees are non-negotiable and non-refundable. All payments must be made before content is published on the Website, and within ten (10) days of the invoice date.

You will receive a reminder three (3) days before the invoice due date. To avoid paying a late payment fee of 5% of the agreed-upon publication fee, ensure that you make this payment before the due date.

A late fee of 5% of the agreed-upon publication fee will be applied as a line item on the invoice if the invoice is unpaid one (1) day after the invoice due date, so carefully review your order before confirming your purchase. The Service operates a no refunds policy after the order has been processed and delivered.

4. Refunds policy

4.1 Your 14-day right to cancel

If you are a consumer in the UK or EU, you have the right to cancel a new paid subscription within 14 days of purchase. If you asked for access to start straight away, we will refund what you paid minus a proportionate amount for the time you used before cancelling. To cancel within the 14 days, contact us using the details in section 13.

4.2 Subscribers

After the 14-day period, you may cancel your account at any time, but there are no refunds for cancellation or for partially used months or years. If you cancel before the end of your billing cycle, you keep access to your membership for the remainder of that cycle. If we suspend or terminate your account because you breached these Terms, you will not receive a refund for any unused time.

4.3 Advertisers and Partners

A no refunds policy applies to advertisers and partners using the Service to promote their products, brands or clients, once the order has been delivered. Please carefully review your order before confirming your purchase. All sales are final once an order has been processed, fulfilled or delivered.

In certain circumstances, we may offer an exchange in the form of credit toward a future order rather than issuing a monetary refund. This may apply in situations including:

Where an exchange is approved, the eligible amount will be applied as credit toward the customer's next order and deducted from the total amount due on the subsequent invoice. Exchanges or credits are offered at our discretion and do not constitute an automatic entitlement to a refund or exchange.

4.4 Your statutory rights

Nothing in these Terms affects your statutory rights as a consumer, including your rights under the Consumer Rights Act 2015 if the Service is not provided as described.

5. Cancellations

5.1 Subscribers

Your free subscription on the Website will continue in effect unless and until you cancel your account, or the Service cancels it after 90 days of member inactivity. Paying subscribers must cancel their account before it renews each month or year (depending on which plan they select) to avoid being billed for the next period. The Service will bill the monthly or yearly fees associated with your account, plus any applicable tax, to the card you provided during registration or any updated card on your account.

5.2 Advertisers and Partners

The Service may accept the cancellation of an order only before an invoice has been issued to the client. However, if a client chooses to cancel the publication of their content after an invoice has been issued and before it has been published on the Website, a cancellation fee of 25% of the agreed-upon publication fee will be applied as a line item on a new invoice. This fee covers administrative costs and resources allocated to the preparation and scheduling of the content.

Once content has been published on the Website and is live and accessible to our audience, no refunds or cancellations are possible. If a client wishes to have content removed after publication, this will be at our sole discretion and may incur additional fees.

5.3 Our right to cancel or refuse publication

The Service reserves the right to refuse or cancel the publication of any content at our discretion, even after it has been submitted, if it does not meet our editorial standards, violates our content guidelines or the standards in section 7, or for any other reason we deem appropriate.

In such cases, if the refusal or cancellation is initiated by the Service prior to publication, the client will be entitled to a full refund of any fees paid for that specific content.

5.4 Payment of cancellation fees

The client will be invoiced any applicable cancellation fees, payable within 5 days of the invoice date. A late fee of 5% of the cancellation fee will be applied if the invoice is unpaid after the due date. Exceptions to this policy may be made in extraordinary circumstances, at our sole discretion.

6. Permanent placement, content removal and changes

6.1 Placement duration

How long a placement stays live depends on the type of order.

Regular publications are permanent. Sponsored articles and other Partner Content published as standalone articles on the Website ("Regular Publications") are permanent. For the purposes of these Terms, "Permanent" means the lifetime of the Website. Techloy.com guarantees that Regular Publications will remain live and accessible at their original URL for as long as the Website is owned and operated by the Company, subject to the following exceptions:

Time-bound placements are not permanent. Link insertions, reseller packages and any other placement sold for a set period ("Time-bound Placements") remain live only for the period stated in your order, proposal or invoice, starting from the date the content or link goes live. When that period ends, we may remove, de-link, update or archive the placement without further notice or refund. Where renewal is offered, you can renew before the period ends at our then-current rates. The exceptions above also apply during the placement period.

If an order does not state a period, it is treated as a Regular Publication only if it is a standalone article; all other placements are treated as Time-bound Placements and will be confirmed in writing before publication.

The Advertiser assumes all liability for the Content provided. You agree to indemnify and hold harmless Techloy.com and its affiliates against any claims, suits or expenses (including legal fees) arising from the publication of the sponsored content.

In line with advertising regulations, all sponsored articles will be clearly labelled as "Partner Content". This label is non-negotiable and will remain for the duration of the post.

6.2 Content removal

While the article is permanent, Techloy.com is not responsible for the Advertiser's broken links. If a destination URL becomes malicious or leads to a 404 error, Techloy.com reserves the right to remove the link while keeping the article text live.

The Website reserves the right to remove content without a refund if:

  1. The Advertiser's business or link is found to be fraudulent or engages in illegal activities.
  2. The Content becomes the subject of a legal dispute or violates third-party intellectual property rights.
  3. The Advertiser requests removal (no pro-rated refunds apply).

6.3 Request for changes

Any request for minor changes or amendments to a publication submitted by the Client more than twenty-four (24) hours after the initial publication time will be subject to a minimum administrative fee of US$20. If a Client requests a major change to the publication (such as multiple paragraphs, headlines, slugs, links, photos or videos) within or after the 24-hour period, this will attract a flat fee of US$50. The final fee charged could be up to US$100, or equal to the cost of the publication fee, depending on the changes requested. The fee must be paid in full before any changes are made.

The Service reserves the right to decline change requests if they are technically unfeasible, infringe third-party rights, or violate any applicable laws or regulations. The Service does not guarantee that all requested changes will be accommodated.

7. Advertiser content standards

All Partner Content, banner ads and other advertising on the Service must be legal, decent, honest and truthful. By submitting content, the Advertiser confirms that it:

The Advertiser is solely responsible for the accuracy and lawfulness of its content and the products or services it promotes. We may request evidence for any claim and may edit, refuse or remove content that does not meet these standards.

8. Intellectual property

All content on the Website and in our newsletters, including articles, headlines, images, graphics, videos, podcasts, logos and design, is owned by Techloy Limited or our licensors and is protected by copyright, trademark and other laws. "Techloy" is a proprietary trademark of Techloy Limited.

What you may do. You may read and share our content for personal, non-commercial purposes. You may share links to our articles and quote short extracts, provided you credit Techloy and link back to the original article.

What you may not do. Without our prior written permission, you may not:

For licensing or republication requests, contact us using the details in section 13.

9. Comments and community

Where comments are enabled on the Website, you must follow our Community Guidelines. Comments must not be illegal, abusive, hateful, defamatory, spam or misleading, and must not infringe anyone's rights. You are responsible for what you post, and you give us permission to display, store and moderate it.

We may remove comments, close discussions or restrict commenting privileges at our discretion, including for breaches of these Terms or our Community Guidelines.

The Techloy Community at community.techloy.com is governed by its own Community Terms of Service and Community Privacy Policy.

10. Disclosure

Partner content. Techloy may publish content from content partners related to crypto trading, stocks, gaming, cryptocurrency and similar topics. This content is intended for educational and informational purposes only and does not constitute financial, investment or other advice.

The content may contain advertisements for websites and services related to crypto trading, stocks, gaming and cryptocurrency. This does not influence our editorial content, which remains objective and informative. Techloy and its authors are not liable for any losses or damages incurred as a result of using the information provided on the Website.

Affiliate links. Some articles may contain affiliate links. If you click one and make a purchase, we may earn a commission at no extra cost to you. Affiliate relationships do not influence our editorial decisions or recommendations.

11. Liability and disclaimers

Information only. Content on the Service is provided for general information only. It is not professional, financial, investment, legal or technical advice, and you should not rely on it as such. While we aim to keep content accurate and up to date, we do not guarantee that it is complete, accurate or current.

Availability. We provide the Service with reasonable care and skill, but we do not promise that it will always be available, uninterrupted or free from errors or viruses.

Third-party links. The Service contains links to third-party websites, products and services, including in Partner Content and advertising. We do not control them and are not responsible for their content, practices or availability.

What we are not responsible for. We are not liable for:

Limit on our liability. Our total liability to you for all claims arising from or relating to the Service is limited to the greater of (a) the amount you paid us in the 12 months before the claim arose, and (b) £100.

What we do not exclude. Nothing in these Terms limits or excludes our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot be limited or excluded by law. Nothing in these Terms affects your statutory rights as a consumer.

12. Changes to the Terms of Service

The Company may modify or update these Terms from time to time to reflect changes in our business and practices, so you should review this page periodically. When we change the Terms in a material way, we will let you know and update the "last modified" date at the bottom of this page.

Governing law. These Terms are governed by the law of England and Wales, and the courts of England and Wales have jurisdiction over any dispute. If you are a consumer living elsewhere in the UK or in another country, you keep the protection of the mandatory consumer laws where you live and may also bring proceedings in your local courts.

Related policies. These Terms work together with:

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

Techloy Limited Suite A, 82 James Carter Road, Mildenhall, Bury St. Edmunds, Suffolk, IP28 7DE, United Kingdom | Email: [email protected]

These Terms of Service were last modified on October 4, 2026.