These Terms of Service ("Terms") govern your access to and use of the websites, mobile applications, and related services provided by New Joy Times Limited ("Company", "we", "our", or "us"). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, you may not use the Services.

1. Use of Services

• You must be at least 13 years old (or the applicable age of consent in your jurisdiction) to use our Services.
• You agree to use the Services only for lawful purposes and in accordance with these Terms.
• You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account.

2. User Content

• You retain ownership of any content you submit, upload, or display through the Services.
• By submitting content, you grant us a worldwide, non-exclusive, royalty-free license to use, host, reproduce, modify, and display such content solely for the purpose of operating and improving the Services.
• You agree not to post content that is illegal, offensive, or infringes on the rights of others.

3. Intellectual Property

• All rights, title, and interest in and to the Services (including software, designs, logos, and trademarks) are owned by New Joy Times Limited or our licensors.
• You may not copy, modify, distribute, sell, or lease any part of the Services without our prior written permission.

4. Payments & Subscriptions

• Certain features of the Services may require payment of fees or subscriptions.
• All fees are payable in advance and are non-refundable except as required by law.
• We may change prices at any time with reasonable prior notice.

5. Prohibited Activities

You agree not to:

1. Use the Services for fraudulent, harmful, or unlawful purposes.
2. Attempt to gain unauthorized access to our systems or disrupt the Services.
3. Reverse engineer, decompile, or disassemble any part of the Services.

6. Termination

• We may suspend or terminate your account and access to the Services at our discretion, if you violate these Terms or engage in activities harmful to us or other users.
• Upon termination, your right to use the Services will immediately cease.

7. Disclaimers

8. Limitation of Liability

To the fullest extent permitted by law:

• New Joy Times Limited shall not be liable for any indirect, incidental, special, consequential, or punitive damages.
• Our total liability for any claim related to the Services shall not exceed the amount you paid us in the past 12 months.

9. Governing Law

• These Terms shall be governed by and construed in accordance with the laws of Hong Kong, without regard to conflict of law principles.
• Any disputes shall be resolved exclusively in the courts located in Hong Kong.

10. Changes to Terms

We may update these Terms from time to time. Any changes will be posted on this page with the updated "Last updated" date. Continued use of the Services after changes constitutes acceptance of the revised Terms.