Terms of Service

ExpatMall.com Terms of Service Effective Date: December 19, 2025 Welcome to ExpatMall.com (“Expat Mall,” “we,” “our,” or “us”). By accessing or using our website, mobile apps, or services (collectively, the “Services”), you agree to comply with and be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, you may not use our Services. 1. Use of Services • You must be at least 21 years old to use Expat Mall. • You agree to use the Services in accordance with all applicable laws and regulations. • You are responsible for maintaining the confidentiality of your account credentials. 2. Content • You are responsible for any content you post or upload to Expat Mall. • By submitting content, you grant us a non-exclusive, worldwide, royalty-free license to use, display, and distribute your content as part of the Services. • Expat Mall reserves the right to remove any content that violates these Terms or is deemed inappropriate. 3. Marketplace and Service Features • Certain features may allow you to interact with vendors, service providers, or other users. • We do not guarantee the accuracy, reliability, or quality of products or services offered by third parties. • Transactions between users and third parties are solely between those parties. Expat Mall is not responsible for any disputes, damages, or losses. 4. Investment or Financial Information • Expat Mall may provide educational or informational content regarding investment opportunities for expats. • Any such content is not investment advice, a recommendation, or an offer to buy or sell securities. 5. Prohibited Conduct • You may not use the Services for unlawful activities, fraud, spamming, harassment, or infringing on the rights of others. • You may not attempt to access any part of the Services you are not authorized to use. 6. Disclaimers • The Services are provided “as-is” and “as available” without warranties of any kind. • Expat Mall is not responsible for technical issues, interruptions, or inaccuracies. • We reserve the right to modify or discontinue any part of the Services at any time without notice. 7. Limitation of Liability • To the fullest extent permitted by law, Expat Mall and its affiliates shall not be liable for indirect, incidental, special, or consequential damages arising from your use of the Services. 8. Governing Law • These Terms shall be governed by and construed in accordance with the laws of the United States of America. Any disputes will be resolved in the courts of Los Angeles, California, United States of America. 9. Changes to Terms • We may update these Terms from time to time. Your continued use of the Services constitutes acceptance of the updated Terms.

Privacy Policy

ExpatMall.com Privacy Policy

Effective Date: December 19, 2025

Expat Mall values your privacy. This Privacy Policy explains how we collect, use, and protect your personal information when you use our Services.

1. Information We Collect

• Account Information: Name, email, phone number, and login credentials.

• Transactional Information: Purchases, bookings, or service interactions.

• Device & Usage Data: IP address, browser type, operating system, and usage patterns.

• Cookies & Tracking: We may use cookies to improve user experience and analytics.

2. How We Use Information

• To provide, operate, and improve our Services.

• To communicate with you regarding updates, promotions, or service changes.

• To personalize content and provide targeted recommendations.

• To detect and prevent fraud or unauthorized activity.

3. Sharing Your Information

• We do not sell your personal data to third parties.

• We may share information with service providers who help us operate our platform.

• We may disclose information if required by law or to protect our rights.

4. Your Rights

• Access, correct, or update your personal information.

• Request deletion of your personal information, subject to legal and contractual restrictions.

• Opt-out of promotional communications at any time.

5. Data Security

• We implement reasonable security measures to protect your data.

• However, no method of transmission over the Internet is 100% secure.

6. International Users

• If you access Expat Mall from outside the United States of America, your data may be transferred to and stored in other countries.

7. Children’s Privacy

• Expat Mall is not intended for children under 21. We do not knowingly collect information from minors.

8. Changes to Privacy Policy

• We may update this Privacy Policy at any time. Changes will be posted with an updated effective date.