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frontend/legal/privacy_policy.md

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+# Spanglish Website – Privacy Policy
+
+Last updated: [Insert Date]
+
+---
+
+## 1. Introduction
+
+Spanglish ("we", "us", "our") operates a community events and language exchange platform in Paraguay.
+
+This Privacy Policy explains how we collect, use, store, and protect personal data when users interact with our website, services, and events.
+
+By using our website and services, you agree to the practices described in this policy.
+
+---
+
+## 2. Legal Basis
+
+This policy is aligned with Paraguayan regulations on electronic commerce and personal data protection, as well as international best practices.
+
+We process personal data based on:
+
+* User consent
+* Contractual necessity (event participation)
+* Legal obligations (invoicing, accounting)
+* Legitimate business interests
+
+---
+
+## 3. Information We Collect
+
+We may collect the following personal data:
+
+### 3.1 Identification Data
+
+* Full name
+* Email address
+* Phone number
+* Username (if applicable)
+
+### 3.2 Account Data
+
+* Login credentials (encrypted)
+* Authentication methods (Google, email code)
+* Account status
+
+### 3.3 Booking & Event Data
+
+* Event registrations
+* Ticket history
+* Attendance records
+* Payment status
+
+### 3.4 Financial & Tax Data
+
+* Payment references
+* Transaction records
+* RUC number (if provided)
+* Invoice information
+
+We do not store credit card details.
+
+### 3.5 Technical Data
+
+* IP address
+* Browser type
+* Device information
+* Access logs
+
+---
+
+## 4. How We Use Your Information
+
+We use personal data to:
+
+* Manage event registrations
+* Process payments
+* Generate invoices
+* Communicate with users
+* Provide customer support
+* Improve our services
+* Comply with legal obligations
+* Prevent fraud and abuse
+
+We do not sell personal data to third parties.
+
+---
+
+## 5. Legal Use of RUC Information
+
+If you provide a RUC number, it is used exclusively for:
+
+* Issuing tax-compliant invoices
+* Accounting and reporting obligations
+
+RUC data is stored securely and accessed only by authorized staff.
+
+---
+
+## 6. Cookies and Tracking
+
+We may use cookies and similar technologies to:
+
+* Maintain user sessions
+* Analyze website usage
+* Improve performance
+
+Users may disable cookies in their browser settings. Some features may not function correctly without cookies.
+
+---
+
+## 7. Data Sharing
+
+We may share limited data with trusted service providers, including:
+
+* Payment processors (TPago, Bancard, LNbits)
+* Email service providers
+* Hosting providers
+* Analytics providers
+
+These providers process data only under our instructions.
+
+We may disclose information when required by law.
+
+---
+
+## 8. Data Storage and Security
+
+We implement technical and organizational measures to protect personal data, including:
+
+* Encrypted passwords
+* Secure servers
+* Access controls
+* Regular backups
+* Monitoring and logging
+
+Despite our efforts, no system is completely secure.
+
+---
+
+## 9. Data Retention
+
+We retain personal data only as long as necessary for:
+
+* Service provision
+* Legal compliance
+* Accounting requirements
+* Dispute resolution
+
+When no longer required, data is securely deleted or anonymized.
+
+---
+
+## 10. User Rights
+
+Users have the right to:
+
+* Access their personal data
+* Correct inaccurate data
+* Request deletion
+* Withdraw consent
+* Object to certain processing
+* Request data export
+
+Requests may be submitted via our contact page.
+
+---
+
+## 11. Marketing Communications
+
+Users may opt in to receive promotional emails.
+
+Users may opt out at any time using the unsubscribe link or account settings.
+
+---
+
+## 12. International Data Transfers
+
+Some service providers may be located outside Paraguay.
+
+When data is transferred internationally, we ensure adequate protection measures.
+
+---
+
+## 13. Children’s Privacy
+
+Our services are intended for users aged 16 and older.
+
+We do not knowingly collect data from minors without parental consent.
+
+---
+
+## 14. Changes to This Policy
+
+We may update this Privacy Policy periodically.
+
+Changes will be published on this page with an updated date.
+
+Continued use of the service constitutes acceptance of the revised policy.
+
+---
+
+## 15. Contact Information
+
+For privacy-related questions or requests, contact:
+
+Spanglish
+Email: [Insert Contact Email]
+Website: [Insert Website URL]
+
+---
+
+## 16. Supervisory Authority
+
+If you believe your data protection rights have been violated, you may contact the relevant Paraguayan regulatory authority.
+
+---
+
+## 17. Acceptance
+
+By using our website and services, you acknowledge that you have read and understood this Privacy Policy.

frontend/legal/refund_cancelation_policy.md

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+# Spanglish Website – Refund & Cancellation Policy
+
+Last updated: [Insert Date]
+
+---
+
+## 1. Purpose
+
+This Refund & Cancellation Policy defines the conditions under which refunds, cancellations, and changes are handled by Spanglish.
+
+Its purpose is to ensure transparency, fairness, and operational stability for both participants and organizers.
+
+---
+
+## 2. Scope
+
+This policy applies to all event bookings made through the Spanglish platform, including in-person and online events.
+
+By purchasing a ticket, users agree to this policy.
+
+---
+
+## 3. Booking Confirmation
+
+A booking is considered confirmed only after payment has been approved.
+
+Unpaid or unapproved bookings do not guarantee participation.
+
+---
+
+## 4. User-Initiated Cancellations
+
+### 4.1 Cancellation Deadline
+
+Users may request a cancellation up to **48 hours before** the scheduled start of the event.
+
+Cancellation requests must be submitted through the user dashboard or via official support channels.
+
+---
+
+### 4.2 Refund Eligibility
+
+If a valid cancellation request is received within the deadline:
+
+* The user may choose a full refund, or
+* A credit for a future event
+
+The chosen option must be indicated at the time of request.
+
+---
+
+### 4.3 Late Cancellations and No-Shows
+
+Cancellations made less than 48 hours before the event, or failure to attend without notice, are not eligible for a refund.
+
+Exceptions may be granted at Spanglish’s discretion in cases of emergency.
+
+---
+
+## 5. Organizer-Initiated Cancellations
+
+### 5.1 Event Cancellation
+
+If Spanglish cancels an event, users may choose:
+
+* A full refund, or
+* Transfer to a future event
+
+Users will be notified promptly.
+
+---
+
+### 5.2 Event Rescheduling
+
+If an event is rescheduled:
+
+* Tickets remain valid for the new date
+* Users unable to attend may request a refund
+
+---
+
+## 6. Payment Method Refund Processing
+
+### 6.1 Card and Online Payments
+
+Refunds are processed using the original payment method when possible.
+
+Processing times depend on the payment provider.
+
+---
+
+### 6.2 Bank Transfers
+
+Refunds via bank transfer require valid bank details from the user.
+
+Processing may take up to 10 business days.
+
+---
+
+### 6.3 Bitcoin / Lightning
+
+Lightning payments are refunded in Bitcoin when technically feasible.
+
+If not feasible, alternative compensation may be offered.
+
+---
+
+### 6.4 Cash Payments
+
+Cash payments are refunded in cash at a future event or by arrangement.
+
+---
+
+## 7. Administrative Fees
+
+Spanglish reserves the right to deduct reasonable administrative or processing fees from refunds when applicable.
+
+Any deductions will be clearly communicated.
+
+---
+
+## 8. Non-Refundable Situations
+
+Refunds are not provided in the following cases:
+
+* Removal due to misconduct
+* Violation of event rules
+* False or misleading information
+* Force majeure events
+
+---
+
+## 9. Force Majeure
+
+In cases of force majeure, including natural disasters, government restrictions, or public emergencies, Spanglish may:
+
+* Reschedule events
+* Offer credits
+* Provide partial refunds
+
+Decisions are made in good faith.
+
+---
+
+## 10. Refund Requests Procedure
+
+To request a refund, users must provide:
+
+* Full name
+* Email address
+* Event details
+* Reason for request
+* Preferred refund method
+
+Requests are reviewed within 5 business days.
+
+---
+
+## 11. Dispute Resolution
+
+If a user disagrees with a refund decision, they may submit a formal appeal.
+
+Appeals are reviewed by management.
+
+Decisions are final.
+
+---
+
+## 12. Policy Changes
+
+Spanglish may update this policy periodically.
+
+Updates will be published with a revised date.
+
+---
+
+## 13. Contact Information
+
+For refund and cancellation inquiries, contact:
+
+Spanglish
+Email: [Insert Contact Email]
+Website: [Insert Website URL]
+
+---
+
+## 14. Acceptance
+
+By purchasing a ticket, users acknowledge and agree to this Refund & Cancellation Policy.

frontend/legal/terms_policy.md

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+# Spanglish Website – Terms & Conditions
+
+Last updated: [Insert Date]
+
+---
+
+## 1. Introduction
+
+These Terms and Conditions ("Terms") govern the use of the Spanglish website and services.
+
+By accessing or using our platform, you agree to be bound by these Terms.
+
+If you do not agree, you must not use our services.
+
+---
+
+## 2. About Spanglish
+
+Spanglish is a community-based language exchange and cultural events platform operating in Paraguay.
+
+We organize in-person and online events for language learning and social interaction.
+
+---
+
+## 3. Eligibility
+
+To use our services, you must:
+
+* Be at least 16 years old
+* Provide accurate and complete information
+* Have legal capacity to enter into agreements
+
+We reserve the right to refuse service to anyone at our discretion.
+
+---
+
+## 4. User Accounts
+
+### 4.1 Account Creation
+
+Users may create accounts using email, password, Google login, or email codes.
+
+Accounts may also be created automatically during booking.
+
+### 4.2 Account Responsibility
+
+Users are responsible for:
+
+* Maintaining account security
+* Protecting login credentials
+* All activity under their account
+
+We are not liable for unauthorized access caused by user negligence.
+
+---
+
+## 5. Event Registration and Tickets
+
+### 5.1 Booking
+
+Event bookings are subject to availability.
+
+A booking is only considered confirmed after payment is approved.
+
+### 5.2 Ticket Ownership
+
+Tickets are personal and non-transferable unless explicitly allowed.
+
+Group tickets remain the responsibility of the purchaser.
+
+### 5.3 Admission Rights
+
+We reserve the right to deny entry to participants who:
+
+* Violate event rules
+* Engage in disruptive behavior
+* Appear intoxicated
+* Harass other participants
+
+No refunds are provided in such cases.
+
+---
+
+## 6. Payments
+
+### 6.1 Accepted Methods
+
+We accept payments through:
+
+* Paraguayan bank transfer
+* TPago / Bancard
+* Bitcoin / Lightning
+* Cash at the door
+
+Availability may vary per event.
+
+---
+
+### 6.2 Payment Approval
+
+Some payment methods require manual verification.
+
+Tickets are confirmed only after payment approval.
+
+---
+
+### 6.3 Pricing
+
+All prices are displayed in Paraguayan Guaraní (Gs) unless otherwise stated.
+
+Prices may change without prior notice for future events.
+
+---
+
+## 7. Invoices
+
+Invoices are issued for paid bookings when RUC information is provided.
+
+Users are responsible for providing accurate tax data.
+
+Incorrect data may result in invalid invoices.
+
+---
+
+## 8. Cancellations and Changes
+
+Event details such as date, time, or location may change due to unforeseen circumstances.
+
+Users will be notified of significant changes.
+
+Spanglish reserves the right to cancel events if necessary.
+
+Refunds in such cases are governed by the Refund & Cancellation Policy.
+
+---
+
+## 9. Refund Policy Reference
+
+Refunds and cancellations are governed by the separate Refund & Cancellation Policy document, which forms part of these Terms.
+
+---
+
+## 10. User Conduct
+
+Users agree to:
+
+* Respect other participants
+* Follow staff instructions
+* Avoid discriminatory or abusive behavior
+* Comply with local laws
+
+Violations may result in removal without refund.
+
+---
+
+## 11. Intellectual Property
+
+All website content, including text, graphics, logos, and software, is owned by Spanglish or its licensors.
+
+Unauthorized use is prohibited.
+
+---
+
+## 12. Limitation of Liability
+
+To the maximum extent permitted by law:
+
+* Spanglish is not liable for indirect damages
+* Participation is at the user’s own risk
+* We are not responsible for lost belongings
+* We are not responsible for third-party services
+
+---
+
+## 13. Health and Safety
+
+Participants are responsible for their own health and safety during events.
+
+Users must inform staff of relevant medical conditions if necessary.
+
+We may refuse participation if safety is compromised.
+
+---
+
+## 14. Force Majeure
+
+We are not liable for failure to perform due to events beyond our control, including:
+
+* Natural disasters
+* Government actions
+* Pandemics
+* Power failures
+* Internet outages
+
+---
+
+## 15. Termination
+
+We may suspend or terminate accounts for violations of these Terms.
+
+Termination does not affect outstanding payment obligations.
+
+---
+
+## 16. Privacy
+
+Personal data is processed in accordance with our Privacy Policy.
+
+---
+
+## 17. Governing Law and Jurisdiction
+
+These Terms are governed by the laws of the Republic of Paraguay.
+
+Any disputes shall be resolved in the courts of Paraguay.
+
+---
+
+## 18. Changes to These Terms
+
+We may update these Terms periodically.
+
+Changes will be published with an updated date.
+
+Continued use constitutes acceptance.
+
+---
+
+## 19. Contact Information
+
+For questions regarding these Terms, contact:
+
+Spanglish
+Email: [Insert Contact Email]
+Website: [Insert Website URL]
+
+---
+
+## 20. Acceptance
+
+By using our website and services, you confirm that you have read, understood, and agreed to these Terms and Conditions.