Terms of Use and Service

1. Agreement to These Terms

These Terms of Use and Service (the "Terms") form a legally binding agreement between MONETIZANDO TU PASION LTD, a company established at Efesou 9, 5280 Paralimni, Cyprus ("PersonalityTests," "we," "us," or "our"), and you, the individual who accesses or uses the website personalitytests.online, including any content, features, tests, lessons, and tools made available through it (together, the "Service").

By visiting the website, purchasing a plan, creating or using an account, or otherwise using the Service, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use the Service.

PLEASE READ CAREFULLY: Section 15 of these Terms contains an arbitration agreement and a class-action waiver. Except for the carve-outs described there, it requires that disputes between you and us be resolved through binding arbitration on an individual basis, and it waives the right to a jury trial and to participate in class or representative proceedings. You may opt out of arbitration within 30 days, as explained in Section 15.8.

The following documents are incorporated into these Terms by reference and form part of your agreement with us. By accepting these Terms, you also accept them:

• Privacy Policy (/legal/privacy) — how we collect, use, and protect your personal data;
• Cookie Policy (/legal/cookies) — the cookies we use and why;
• Subscription Policy (/legal/subscription) — plans, billing, automatic renewal, trials, and cancellation;
• Money-Back Policy (/legal/money-back) — our 30-day money-back guarantee and your statutory refund rights.

If these Terms conflict with one of the incorporated policies on a topic that the policy specifically addresses, the specific policy governs for that topic.

2. The Service

PersonalityTests is a web-only self-discovery service. Depending on your plan, the Service currently includes:

• personality-style tests (currently 18) with individual results;
• short lessons organized into a learning path;
• reflection practices and quizzes;
• a mood check-in;
• a private journal;
• a daily task planner; and
• progress tracking, including a streak counter based on your daily activity.

We may introduce additional features over time. For example, an AI-powered coach is currently shown as a "coming soon" teaser; if and when it launches, its use will be governed by these Terms and any additional terms we present at that time.

The Service is provided solely for educational, informational, and entertainment purposes, as a tool for personal self-reflection. It is not a medical or psychological service, it is not a clinical service, and it is not a diagnostic tool. Please read the important disclaimers in Section 12.

We may improve, modify, add, or remove features of the Service. If a change materially reduces the core functionality you have paid for, you may cancel as described in the Subscription Policy (/legal/subscription), and the Money-Back Policy (/legal/money-back) continues to apply.

3. Eligibility

The Service is intended for adults. You may use the Service only if you are at least 18 years old and have the legal capacity to enter into a binding contract. By using the Service, you represent and warrant that you meet these requirements. We do not knowingly provide the Service to anyone under 18, and we may close any account we reasonably believe belongs to a person under 18.

4. Accounts and Credential Security

There is no open self-registration form on the website. A member account is created for you when you purchase a plan, or it may be provisioned for you by our customer support team. You sign in with your email address and password at personalitytests.online/login.

You agree to:

• provide accurate and current information (in particular, a valid email address that you control);
• keep your password confidential and not share your account with others;
• notify us promptly at support@personalitytests.online if you suspect any unauthorized access to your account; and
• accept responsibility for activity that occurs under your account while your credentials are used, except to the extent caused by our failure to maintain reasonable security.

We store account passwords only as salted scrypt hashes — never in plain text. If you forget your password or need help with your account, contact support@personalitytests.online.

5. License to Use the Service; Restrictions

Subject to your compliance with these Terms and payment of any applicable fees, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service and its content for your own personal, non-commercial use.

Except as expressly permitted by these Terms or by applicable law that cannot be excluded, you agree not to:

• copy, reproduce, republish, distribute, sell, rent, sublicense, or otherwise make the Service or its content available to any third party;
• modify, translate, or create derivative works of the Service or its content;
• scrape, crawl, harvest, or extract data from the Service, or access it using bots, spiders, scripts, or any other automated means;
• circumvent, disable, or interfere with security features, access controls, or usage limits of the Service;
• reverse engineer, decompile, or disassemble any part of the Service, except to the extent such restriction is prohibited by applicable law;
• interfere with or disrupt the Service, its servers, or connected networks, or impose an unreasonable load on our infrastructure;
• resell access to the Service, share paid content with non-members, or use the Service to build a competing product; or
• use the Service for any unlawful purpose or in violation of these Terms.

Compliance with these restrictions is a condition of your license. We may suspend or revoke the license if you materially breach this Section.

6. Intellectual Property

The Service — including the website, its software, design, tests, lessons, learning paths, practices, quizzes, text, graphics, logos, and the selection and arrangement of all of the above (collectively, the "Content") — is owned by MONETIZANDO TU PASION LTD or its licensors and is protected by copyright, trademark, and other intellectual-property laws. All content is © MONETIZANDO TU PASION LTD unless otherwise indicated.

"PersonalityTests" and associated logos are our trade names and marks. Nothing in these Terms grants you any right to use our names, marks, or branding without our prior written consent. All rights not expressly granted to you in Section 5 are reserved by us and our licensors.

If any part of the Service includes third-party or open-source software, that software may be subject to its own license terms, which govern to the extent of any conflict with these Terms for that software.

7. Your Content and Feedback

"Your Content" means the material you create or submit while using the Service — for example, your test answers and results, journal entries, mood check-ins, planner tasks, and quiz responses. You retain full ownership of Your Content. These Terms do not transfer any ownership of Your Content to us.

So that we can operate the Service for you, you grant us a limited, non-exclusive, revocable license to host, store, process, transmit, back up, and display Your Content — solely to the extent necessary to provide, maintain, secure, and improve the Service for you and to comply with law. This license ends when Your Content is deleted from our systems following termination of your account, except for copies retained in routine backups for a limited period or where retention is required by law. We do not sell Your Content, and we do not use your journal entries or test answers for advertising.

Your journal is private to your account, and we do not publish Your Content.

Feedback. If you voluntarily send us feedback about the Service — such as lesson ratings, written feedback, suggestions, or ideas — you give us permission to use that feedback to operate and improve the Service, without any obligation to you and without compensation. This permission covers feedback about the Service itself; it does not extend to your journal entries, test answers, or other personal records.

You are responsible for Your Content. You agree not to submit content that is unlawful, that infringes another person's rights, or that contains malicious code. Our handling of personal data contained in Your Content is described in the Privacy Policy (/legal/privacy).

8. Payments, Subscriptions, and Refunds

Access to member features requires a paid plan. The price, billing period, and any trial terms are always shown on the payment screen before you confirm a purchase. The price shown on the payment screen is the total price you will be charged, including any applicable taxes unless expressly stated otherwise on that screen. This Section is a summary; the full terms are set out in the Subscription Policy (/legal/subscription) and the Money-Back Policy (/legal/money-back), which govern billing and refunds.

Automatic renewal. Subscriptions renew automatically. Unless you cancel, your subscription renews at the end of each billing period (weekly, monthly, quarterly, or yearly, as shown on the payment screen), and the then-current price is charged to your payment method until you cancel. If a trial (free or paid) is offered and you do not cancel at least 24 hours before the trial ends, it converts into a paid subscription at the price shown on the payment screen.

How to cancel. You can cancel at any time by emailing support@personalitytests.online from the email address on your account, or through the membership section of your account settings where available. Cancelling stops future renewals; you keep access until the end of the period you have already paid for, and no further charges are made.

Payment processing. Payments are handled by third-party payment processors. We never collect or store full card numbers; we may receive transaction metadata such as the date, amount, last four digits, and payment method type.

Price changes. We may change subscription prices with reasonable prior notice. A price change takes effect at your next renewal, and you can cancel before it applies.

Refunds. Your initial purchase of a plan on our website (including a subscription converted from a trial) is covered by a 30-day money-back guarantee: if you do not feel the Service is helping within 30 days of that purchase, email us and we will refund it in full. For renewal charges, cancel before the renewal date to avoid being billed; we review renewal-refund requests case by case with a customer-first approach. The details, together with your statutory withdrawal and cancellation rights — including the specific rights of residents of the EU/EEA, the United Kingdom, California, Connecticut, and Brazil — are in the Money-Back Policy (/legal/money-back). Nothing in these Terms limits refund or withdrawal rights you have under applicable law.

9. Privacy

Your privacy matters to us. Our Privacy Policy (/legal/privacy) explains what personal data we collect, why, how long we keep it, who we share it with, and the rights you have — including your rights under the GDPR and, for California residents, the CCPA. Our Cookie Policy (/legal/cookies) describes the first-party cookies the website uses and the Google Ads conversion cookies used to measure our advertising. By using the Service you acknowledge that we process personal data as described in those documents.

10. Termination

By you. You may close your account at any time, for any reason, by emailing support@personalitytests.online from the email address on your account. When you ask us to close your account, we treat that request as also cancelling any active subscription, so no further renewals are charged. If you only want to stop future renewals but keep your account, request cancellation instead (Section 8).

By us. We may suspend or terminate your account and access to the Service if: (a) you materially breach these Terms (including the license restrictions in Section 5); (b) payment for your subscription fails and is not remedied; (c) we are required to do so by law; or (d) we discontinue the Service. Except where immediate action is necessary (for example, for security reasons, suspected fraud, or serious abuse), we will give you reasonable prior notice by email and, where the issue can be fixed, an opportunity to fix it.

Effect of termination. On termination, your license under Section 5 ends and you lose access to member features. Termination does not affect refund rights under the Money-Back Policy (/legal/money-back) or amounts already properly charged. You may exercise your data rights — including requesting a copy or deletion of your data — as described in the Privacy Policy (/legal/privacy). Provisions that by their nature should survive termination (including Sections 6, 7, 11, 12, 13, 14, 15, 20, and 21) survive.

11. Copyright Infringement Notices

We respect intellectual-property rights and expect users to do the same. If you believe material available through the Service infringes your copyright, send a written notice to support@personalitytests.online with the subject line "Copyright notice" including:

• your physical or electronic signature, or that of a person authorized to act for the rights owner;
• identification of the copyrighted work you claim has been infringed (or a representative list if multiple works are covered);
• identification of the material you claim is infringing and information reasonably sufficient for us to locate it on the Service;
• your contact details (name, address, telephone number, email address);
• a statement that you have a good-faith belief that the use is not authorized by the rights owner, its agent, or the law; and
• a statement, under penalty of perjury, that the information in your notice is accurate and that you are the rights owner or authorized to act on the owner's behalf.

We will review valid notices and remove or disable access to infringing material where appropriate. We may forward your notice to the person who provided the material. Knowingly submitting a materially false notice can expose you to liability under applicable law.

12. Disclaimers; Not Professional Advice

Not professional advice. The Service is an educational self-reflection tool. Tests, results, lessons, practices, and any other content are provided for informational and entertainment purposes only. They are not a substitute for professional medical, psychological, legal, or financial advice, and the Service is not a clinical service and not a diagnostic tool. Test results are not assessments of any health condition. If you have concerns about your health or wellbeing, or need advice for a specific situation, consult an appropriately qualified professional. Never disregard or delay seeking professional advice because of something you read on the Service.

As is. To the fullest extent permitted by applicable law, the Service is provided "as is" and "as available," without warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Without limiting the foregoing, we do not warrant that:

• the Service will meet your requirements or produce any particular outcome or personal result;
• the Service will be uninterrupted, timely, secure, or error-free;
• test results, insights, or other content will be accurate, complete, or reliable for your circumstances; or
• any defects will be corrected.

Self-reflection outcomes vary from person to person, and we make no promise of specific results. Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you. Nothing in this Section limits warranties or remedies that consumers are entitled to under mandatory law.

13. Limitation of Liability

To the fullest extent permitted by applicable law, MONETIZANDO TU PASION LTD and its officers, directors, employees, and agents will not be liable for any incidental, indirect, special, consequential, exemplary, or punitive damages — including loss of profits, goodwill, use, or data — arising out of or relating to your use of, or inability to use, the Service, even where we were told such damages were possible.

To the fullest extent permitted by applicable law, our total aggregate liability for all claims arising out of or relating to the Service or these Terms is limited to the greater of (a) the fees you have paid to us for the Service, or (b) USD 100.

Exceptions. Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law — including, where applicable, liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for gross negligence or willful misconduct. If you are a consumer in a jurisdiction that does not allow some of the limitations above, those limitations apply to you only to the extent permitted by the law of that jurisdiction, and your mandatory statutory rights remain unaffected.

14. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless MONETIZANDO TU PASION LTD and its officers, directors, employees, and agents from and against third-party claims, liabilities, damages, and reasonable costs (including reasonable attorneys' fees) to the extent arising from: (a) your use of the Service in violation of these Terms; (b) Your Content infringing or violating a third party's rights; or (c) your violation of applicable law in connection with the Service.

We may, at our own expense, assume the exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate reasonably with our defense. This Section does not apply to the extent an indemnification obligation is unenforceable against consumers under the mandatory law of your place of residence.

15. Dispute Resolution: Arbitration Agreement and Class-Action Waiver

Please read this Section carefully. It affects how disputes between you and us are resolved and limits the ways you can seek relief. You can opt out within 30 days (Section 15.8).

15.1 Scope. This arbitration agreement applies to any dispute, claim, or controversy between you and MONETIZANDO TU PASION LTD arising out of or relating to these Terms, the incorporated policies, or your use of the Service, whether based in contract, tort, statute, or any other legal theory, including disputes that arose before you accepted these Terms and disputes that arise after your account ends — except for the carve-outs in Section 15.6.

15.2 Informal resolution first. Before starting arbitration or any formal proceeding, you agree to first contact us at support@personalitytests.online with a short written description of the dispute and your contact details, and we agree to try in good faith to resolve it with you. If we have a claim against you, we will likewise first contact you at your account email. Only if the dispute is not resolved within 60 days of the first informal notice may either party begin arbitration. Most concerns are resolved at this stage.

15.3 Binding individual arbitration. If informal resolution fails, the dispute will be finally resolved by binding arbitration before a single neutral arbitrator, on an individual basis, administered by:

• JAMS, under its then-current Streamlined Arbitration Rules and Procedures applicable to consumer disputes (jamsadr.com), if you are a resident of the United States; or
• the London Court of International Arbitration (LCIA), under its then-current Arbitration Rules (lcia.org), if you are not a U.S. resident.

The rules of the chosen forum apply as modified by this Section; if the chosen forum is unavailable, the parties will agree on a comparable substitute. Hearings, if any, will be held by videoconference or teleconference unless the arbitrator decides an in-person hearing is needed; if you are a consumer, any in-person hearing will be held at a location reasonably convenient to you. The arbitrator's award will be in writing, will state the essential findings and conclusions on which it is based, will be final and binding, and may be entered as a judgment in any court of competent jurisdiction. The arbitrator may award the same individual remedies that a court could award to you, including remedies available under applicable consumer-protection law.

15.4 Arbitration costs. If you are a consumer and you start the arbitration, your filing fee is capped at USD 250; we will bear the remainder of the filing fee and, unless the arbitrator finds your claim frivolous or brought in bad faith, the other administrative and arbitrator costs. If we start an arbitration against you as a consumer, we pay the costs of the arbitration. Each party bears its own attorneys' fees unless the applicable rules or law provide otherwise.

15.5 Class-action and jury-trial waiver. You and we each agree that disputes will be resolved only on an individual basis. Neither party may bring or participate in a class, collective, consolidated, or representative action against the other, and the arbitrator has no authority to combine the claims of different individuals or to conduct any form of class or representative proceeding unless every affected party agrees in writing. By agreeing to arbitration, you and we each also waive the right to a trial by jury. If a claim proceeds in court under one of the carve-outs in Section 15.6 while this arbitration agreement remains in effect between us, the waiver of class and representative proceedings applies to that claim to the extent permitted by applicable law. If you validly opt out under Section 15.8, you are released from this arbitration agreement and from the class-action and jury-trial waivers in this Section 15.5.

15.6 Carve-outs. Notwithstanding the above: (a) either party may bring an individual claim in small-claims court if the claim qualifies for that court's jurisdiction; and (b) either party may bring an action in a court of competent jurisdiction for infringement or other misuse of intellectual-property rights, including seeking injunctive relief.

15.7 Mandatory consumer rights. If the mandatory law of your country or state of residence gives you the right to bring claims before the courts or dispute-resolution bodies of your place of residence, nothing in this Section deprives you of that right.

15.8 30-day right to opt out. You may opt out of this arbitration agreement and the class-action waiver by emailing support@personalitytests.online with the subject line "Arbitration opt-out" within 30 days of the date you first accept these Terms (or of the effective date of the first version of these Terms containing this arbitration agreement, whichever is later). The notice must include your full name, the email address on your account, and a clear statement that you opt out of arbitration. Opting out does not affect any other part of these Terms; disputes will then be resolved in court under Section 20.

15.9 Severability of this Section. If any part of this Section 15 is found unenforceable or unlawful, that part will be severed, and the remainder of this arbitration agreement remains in effect — except that if the class-action waiver is found unenforceable as to a particular claim, that claim (and only that claim) must proceed in court, and the parties agree it will be stayed pending arbitration of any individual claims. If any part of this Section 15 is found to prohibit an individual claim seeking public injunctive relief, that part will have no effect to the extent such relief may be sought outside arbitration, and the remainder of this arbitration agreement remains enforceable.

15.10 Survival. This Section 15 survives termination of your account and of these Terms.

16. Changes to These Terms

We may update these Terms from time to time — for example, to reflect new features, legal requirements, or improvements in how we explain things. When we make changes, we will post the updated Terms at /legal/terms with a new effective date. If a change is material, we will give you reasonable advance notice by email to your account address or by a prominent notice on the website before it takes effect.

If you continue to use the Service after an updated version takes effect, the updated Terms apply to you. If you do not agree with a change, stop using the Service and cancel your subscription before the change takes effect (Section 8); your statutory rights and the Money-Back Policy (/legal/money-back) are unaffected. Changes do not apply retroactively to disputes that arose before the change took effect.

17. Assignment

You may not assign or transfer these Terms, or any of your rights or obligations under them, without our prior written consent, and any attempted assignment without consent is void. We may assign these Terms, in whole or in part, to an affiliate or to a successor in connection with a merger, acquisition, reorganization, or sale of assets, provided the assignee assumes our obligations to you; we will notify you of any such assignment, and your rights under these Terms (including cancellation and refund rights) will not be reduced by it.

18. Electronic Communications and Signatures

The Service is provided online, and our relationship with you is conducted electronically. You agree that: (a) clicking a button such as "I agree," "Continue," "Buy," or similar, or otherwise proceeding through the purchase flow, constitutes your electronic signature and acceptance of these Terms; (b) we may deliver notices, policies, receipts, and records relating to the Service to you electronically, by email to your account address or by posting on the website; and (c) electronic contracts, signatures, and records connected with the Service satisfy any legal requirement for a writing, to the extent permitted by applicable law, including the U.S. Electronic Signatures in Global and National Commerce Act (E-SIGN) and equivalent laws elsewhere.

To make sure you receive our notices, please keep the email address on your account current and add support@personalitytests.online to your contacts. You may request a paper or alternative copy of any legal notice, or withdraw your consent to electronic delivery, by emailing support@personalitytests.online; withdrawing consent may prevent us from continuing to provide the Service, since it is delivered entirely online.

19. Term and Survival

These Terms take effect when you first access or use the Service and remain in effect while you use it or maintain an account. Sections that by their nature should continue after your account or these Terms end — including Sections 6 (Intellectual Property), 7 (Your Content and Feedback, to the extent of retained backups and feedback permissions), 11 (Copyright Infringement Notices), 12 (Disclaimers), 13 (Limitation of Liability), 14 (Indemnification), 15 (Dispute Resolution), 20 (Governing Law), and 21 (General Provisions) — survive termination.

20. Governing Law

These Terms and any dispute arising out of or relating to them or the Service are governed by the laws of Cyprus, excluding its conflict-of-laws rules — without prejudice to any mandatory consumer-protection rules of the country or state where you habitually reside. If you are a consumer, you always retain the protections granted to you by the mandatory laws of your place of residence, and nothing in these Terms deprives you of them.

Subject to Section 15 (Dispute Resolution) and to any mandatory rules that give you the right to sue or be sued in the courts of your place of residence, any dispute not subject to arbitration will be brought in the competent courts of Cyprus.

21. General Provisions

Entire agreement. These Terms, together with the Privacy Policy (/legal/privacy), Cookie Policy (/legal/cookies), Subscription Policy (/legal/subscription), and Money-Back Policy (/legal/money-back), constitute the entire agreement between you and us regarding the Service and supersede any prior agreements or understandings on that subject.

Severability. If any provision of these Terms is held invalid or unenforceable, that provision will be enforced to the maximum extent permissible, or severed if it cannot be, and the remaining provisions will remain in full force and effect.

No waiver. Our failure to enforce any provision of these Terms is not a waiver of that provision or of our right to enforce it later. A waiver of any breach is not a waiver of any subsequent breach.

Force majeure. We are not liable for any delay or failure to perform caused by events beyond our reasonable control — including natural disasters, war, civil unrest, government action, labor disputes, power or internet failures, or failures of hosting or telecommunications infrastructure — for as long as the event continues. This does not affect your right to cancel or your refund rights under the Money-Back Policy (/legal/money-back).

Headings and interpretation. Section headings are for convenience only and do not affect interpretation. "Including" means "including without limitation."

22. Contact Us

If you have any questions about these Terms or the Service, we are happy to help.

• Company: MONETIZANDO TU PASION LTD
• Registered address: Efesou 9, 5280 Paralimni, Cyprus
• Support email: support@personalitytests.online

Email is our only support channel, and we aim to respond promptly to every message.