Terms and Conditions

Effective Date: 03-06-2025

These Terms and Conditions govern your use of all Howzit Expats websites, including but not limited to:

• www.howzitexpats.com
• www.howzitireland.ie
• www.howzitunitedkingdom.co.uk
• www.howzitaustralia.com.au

as well as any related services offered by TIZWOH SERVICES LIMITED, trading as Howzit Expats, a company registered in Ireland (Company No. 783988) with its registered office at Unit 2, 2 Bridge Street, Athlone, Westmeath, N37 F1W4, Ireland (“Howzit Expats,” “we,” “our,” or “us”).

By accessing or using our websites, subscribing as a Member, listing a business, advertising, or submitting content, you agree to be bound by these Terms. If you do not agree, you must not use our services.

1. General Terms

1.1 Eligibility

The Website is accessible to users of all ages. However, certain content (e.g., financial literacy resources or community events) may require discretion or parental guidance for younger users.

1.2 Intellectual Property

All materials, content, logos, and design elements on our websites are the intellectual property of Howzit Expats or licensed third parties. You may not reproduce, copy, or republish any portion of our content without written permission.

1.3 Data Protection & Privacy

We comply fully with the General Data Protection Regulation (GDPR) and the Irish Data Protection Act 2018. Please see our [Privacy Policy] for full details on how we collect, process, and store your personal data.

1.4 Communications Consent

By subscribing or using the Website, you consent to receiving service emails, newsletters, and promotional updates. You may opt out at any time by clicking “unsubscribe” or contacting us at howzit@howzitexpats.com.

1.5 No Financial, Legal, or Immigration Advice

All information we provide is intended for general information purposes only. It does not constitute legal, financial, immigration, or tax advice.

Howzit Expats is not authorised or regulated by the Central Bank of Ireland, the South African Reserve Bank, the Financial Sector Conduct Authority (FSCA), or any other professional or governmental body in financial services, immigration, or legal matters. Users should consult appropriately qualified professionals before acting on any information received through our platforms.

1.6 Limitation of Liability

To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, consequential, or punitive damages arising out of your use of the Website or services.

1.7 Governing Law

These Terms are governed by the laws of Ireland. Any disputes will be resolved under the exclusive jurisdiction of the Irish courts.

2. Membership Terms

2.1 Community Membership Plans

Membership includes access to exclusive content, online events, newsletters, and community forums. You may choose between:

• Annual payment (upfront)
• Monthly instalments (12-month commitment)

2.2 12-Month Commitment

If you opt for monthly payments, you are contractually obligated to complete the 12-month term. Missed payments may result in suspension of access and invoicing for the full outstanding amount.

2.3 Termination by Us

We reserve the right to suspend or terminate memberships for misconduct or breach of these Terms. Unpaid balances remain payable.

3. Business Directory Listings

3.1 Listing Tiers

We offer Bronze (Free), Silver, Gold, and Platinum directory packages. Each tier includes varying features and visibility, as outlined on our websites.

3.2 Payment Terms

Listings may be purchased in 6, 12, or 18-month durations. Monthly packages require monthly billing; upfront packages may be discounted.

3.3 Cancellation & Renewal

Listings auto-renew unless cancelled in writing 30 days before the end of the term. Cancelling early does not remove your obligation to pay for the full contract period.

3.4 Content Standards

• Logos must be 1000x560px and free of contact information (especially in Bronze tier)
• No copyrighted, misleading, or AI-generated images without a license
• Descriptions must be accurate, truthful, and lawful

3.5 Editorial Rights

We reserve the right to remove or edit any listing that violates our content policy or branding guidelines.

3.6 No Guarantee of Results

We make no guarantees about traffic, engagement, or conversion from your listing. Advertisers are responsible for tracking performance.

4. Advertising & Sponsored Content

4.1 Placement

Gold and Platinum packages receive greater visibility across key site locations. Placement rotation may occur depending on ad volume.

4.2 Ad Content Requirements

• Ads must be accurate, respectful, and legally compliant
• Sponsored articles must be clearly marked
• All ad files must meet technical and design specifications

4.3 Payment & Submission

Ads run only after confirmed payment or invoicing agreement. Missed deadlines may result in loss of reserved placement.

4.4 No Endorsement

Publication of advertising does not constitute endorsement by Howzit Expats. We accept no responsibility for claims made in ads.

5. Thought Leadership & Contributor Content

5.1 Contribution Tiers

We offer three contributor packages:

• Contributor Tier: 1 article, 1 podcast, and 1 webinar per quarter
• Thought Leader Tier: 2 articles, 2 podcasts, and 2 webinars per quarter, plus ad visibility
• Industry Expert Tier: 3 articles, 3 podcasts, and 3 webinars per quarter, plus newsletter features

5.2 Content Requirements

Submissions must be original and relevant. Minimal AI use is permitted, but must involve human input and editing. No political, discriminatory, or legally sensitive advice unless you’re a qualified practitioner.

5.3 Editorial Rights

We may edit for grammar, tone, SEO, or formatting. We also reserve the right to reject or remove submissions at any time.

5.4 Licensing

Contributors retain ownership of their content but grant Howzit Expats a non-exclusive, global, royalty-free license to publish and promote submissions across our platforms.

5.5 No Monetary Compensation

Contributor tiers are treated as promotional services. No royalties or financial compensation is paid.

6. User Conduct

Users must not:

• Harass, threaten, or impersonate others
• Share false, defamatory, or offensive content
• Attempt to hack, spam, or disrupt the site
• Use bots or automation to manipulate data or listings

Violation may result in account termination, content removal, or legal action.

7. Intellectual Property & AI Usage

7.1 Content Rights

You must only upload content you own or have rights to use. Plagiarised or scraped content will be removed.

7.2 Branding

Use of the Howzit Expats brand, logos, or designs is prohibited without written permission.

8. Data & GDPR Compliance

8.1 Data Protection

We do not sell your personal data. Data is processed and stored only as required for our services and in accordance with our [Privacy Policy].

8.2 Third-Party Use

If you collect data via events, listings, or webinars, you must use it solely for the intended purpose and delete it upon request. Sharing or reselling this data is strictly prohibited.

9. Amendments

We may revise these Terms periodically. Updates will be posted on our websites. Continued use of the sites constitutes your acceptance of updated terms.

10. Contact Us

TIZWOH SERVICES LIMITED

t/a Howzit Expats

Unit 2, 2 Bridge Street, Athlone,

Westmeath, N37 F1W4, Ireland

Email: howzit@howzitexpats.com