Terms of Service

Acceptance of Terms

By using Voya, you agree to these Terms of Service. If you do not agree, please do not use our website or app.

Use of Service

You may use Voya for personal, non-commercial purposes only. You agree not to misuse the service or attempt to disrupt its operation.

User Responsibilities

• Provide accurate information if requested
• Respect other users and do not engage in harmful behavior
• Comply with all applicable laws

Intellectual Property

All content and materials on Voya are the property of Voya or its licensors. You may not copy, modify, or distribute any part of the service without permission.

Termination

We may suspend or terminate your access to Voya at any time, for any reason, without notice.

Disclaimers

Voya is provided "as is" without warranties of any kind. We do not guarantee the accuracy, completeness, or reliability of the service.

Limitation of Liability

To the fullest extent permitted by law, Voya is not liable for any damages or losses resulting from your use of the service.

Changes to Terms

We may update these Terms of Service from time to time. Continued use of Voya means you accept the updated terms.