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    <h1>Terms of Service</h1>
    <p class="date">Last updated: <?= date('F j, Y') ?></p>
    
    <h3>1. Introduction</h3>
    <p>Welcome to FamGateway. By accessing our website and using our payment gateway services, you agree to be bound by these Terms of Service.</p>
    
    <h3>2. Use of Services</h3>
    <p>FamGateway provides infrastructure to facilitate payments. You must use our services in compliance with all applicable laws and not for any illegal or unauthorized purpose.</p>
    
    <h3>3. Account Registration</h3>
    <p>You must provide accurate information when registering an account. You are responsible for maintaining the security of your account credentials.</p>
    
    <h3>4. Fees and Payments</h3>
    <p>By using our services, you agree to pay any applicable fees associated with transactions processed through FamGateway. We reserve the right to change our fee structure with prior notice.</p>
    
    <h3>5. Limitation of Liability</h3>
    <p>FamGateway shall not be liable for any indirect, incidental, special, or consequential damages resulting from the use or inability to use our services.</p>
    
    <h3>6. Termination</h3>
    <p>We reserve the right to terminate or suspend your account at any time for violation of these Terms.</p>
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