Terms of Service

Effective Date: 25 March 2026

These Terms of Service (“Terms”) govern your use of Fndr Circle, a product of Hoja Digital (“we”, “our”, or “us”).

By accessing or using Fndr Circle (the “Service”), you agree to be bound by these Terms. If you do not agree, you may not use the Service.

1. Use of the Service

You agree to use the Service only for lawful purposes and in accordance with these Terms.

You must not:
- Use the Service in any way that violates applicable laws or regulations
- Attempt to gain unauthorized access to systems or data
- Misuse or interfere with the proper functioning of the platform

2. Accounts

To access certain features, you may be required to create an account.

You are responsible for:
- Maintaining the confidentiality of your account
- All activities that occur under your account

We reserve the right to suspend or terminate accounts that violate these Terms.

3. Opportunities Disclaimer

Fndr Circle provides access to opportunities, resources, and information for founders.

We do not:
- Guarantee the accuracy, completeness, or reliability of any opportunity
- Guarantee acceptance, funding, or outcomes from any opportunity

Your engagement with any opportunity is at your own risk.

4. Third-Party Links

The Service may contain links to third-party websites or services.

We are not responsible for:
- The content of third-party sites
- Their privacy practices or terms

You access third-party services at your own risk.

5. Intellectual Property

All content, branding, and materials within Fndr Circle are owned by or licensed to Hoja Digital.

You may not:
- Copy, reproduce, or distribute content without permission
- Use our branding without authorization

6. Termination

We reserve the right to suspend or terminate your access to the Service at any time, without notice, if you violate these Terms.

7. Limitation of Liability

To the fullest extent permitted by law, Hoja Digital shall not be liable for:
- Any indirect, incidental, or consequential damages
- Loss of data, profits, or business opportunities

Use of the Service is at your own risk.

8. Changes to These Terms

We may update these Terms from time to time. Continued use of the Service after changes constitutes acceptance of the updated Terms.

9. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of South Africa.

10. Contact Us

If you have any questions about these Terms, you can contact us at:

Email: legal@hojadigital.com
Company: Hoja Digital

By using Fndr Circle, you agree to these Terms of Service.