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Terms & Conditions
Welcome to STOWA (Securities & Timeshare Owners Welfare Association). By accessing or using our website (https://stowa.co.in), you agree to comply with and be bound by the following terms and conditions. If you do not agree with these terms, please do not use our website.

1. Definitions
"Website" refers to https://stowa.co.in.
"User" refers to any individual or entity accessing or using the Website.
"Services" refer to the information, resources, and assistance provided by STOWA to timeshare owners.

2. Use of Website
The Website is intended to provide general information regarding timeshare ownership and related services.
Users agree to use the Website only for lawful purposes and not engage in any activity that disrupts or interferes with its operation.
STOWA reserves the right to modify, suspend, or terminate the Website or any part of it at any time without prior notice.

3. Membership & Registration
Users may be required to register for certain services. By registering, you agree to provide accurate and complete information.
STOWA reserves the right to suspend or terminate accounts if false or misleading information is provided.

4. Payments & Refunds
Membership fees or other charges, if applicable, will be clearly stated on the Website.
Payments are processed through third-party payment gateways, and STOWA is not responsible for any issues arising from these transactions.
Refunds, if applicable, will be processed as per our refund policy.

5. Privacy Policy
STOWA respects your privacy. Our Privacy Policy explains how we collect, use, and protect your information. By using the Website, you agree to our Privacy Policy.

6. Intellectual Property
All content, including text, graphics, logos, and images, is the property of STOWA and is protected by applicable intellectual property laws.
Users may not copy, reproduce, or distribute any content without prior written permission from STOWA.

7. Limitation of Liability
STOWA provides information on a best-effort basis and does not guarantee accuracy, completeness, or reliability.
STOWA is not responsible for any direct, indirect, or incidental damages resulting from the use of the Website.

8. Third-Party Links
The Website may contain links to third-party websites. STOWA is not responsible for the content or practices of these external sites.

9. Termination
STOWA reserves the right to restrict or terminate access to the Website for users who violate these Terms and Conditions.

10. Amendments
STOWA reserves the right to modify these Terms and Conditions at any time. Users are advised to review them periodically.
For any questions or concerns regarding these Terms and Conditions, please contact us at [unitedstowa@gmail.com].