Website Terms and Conditions

The terms of use are written in masculine form for no particular reason, and they apply to women as well, of course.

Please read the following terms of use carefully, as they constitute a binding agreement. By using this website and its content, you agree to these terms. If you do not agree to all or part of these terms of use, you may not use this website for any purpose.

Under these terms, the term “content" or “contents" includes information of any kind, including any verbal, visual, audio, audio-visual content, or any combination thereof, as well as their design, processing, editing, distribution, and manner of presentation, including (but not limited to): any image, photograph, illustration, animation, diagram, figure, simulation, sample, video, audio file, and music file; any software, file, computer code, application, format, protocol, database, and interface, and any character, mark, symbol, and icon. .

Terms of Use

The services provided on the website are provided "as is." No claim, demand, or complaint shall be made against the website system regarding the nature of the services offered by the website, whether they are limited, tailored to your needs, or the responses that will be generated by the publication of details or information on your behalf on the website.

The user agrees that he alone shall bear all responsibility and risk for any direct and/or indirect damage and/or loss caused to him as a result of using the website, including third parties, or caused as a result of relying on the content on the website, the services offered on the website, or those accessible through the website.

The site management and/or the company reserves the right to change from time to time the structure of the services offered by the site, their content, appearance, scope, and availability, including the removal and/or addition of links included on the site, and any other aspect related to them, all without prior notice. These changes will take into account, among other things, the dynamic nature of the Internet and other technological changes. Such changes may cause inconvenience or malfunctions. The user shall have no claim and/or demand against the site management and/or the company as a result of the aforementioned changes.

This website generates part of its revenue through affiliate marketing programs. While the information contained on this website is for general informational purposes only, the goal is also to promote certain products and services that pay us a commission for each sale made through individuals who follow our recommendations and links.

While we make every effort to keep the information up to date and accurate, we cannot represent or provide any warranty, written, photographed, or verbal, implied or implied, regarding the content, accuracy, reliability, suitability, or availability in relation to the website or the information, products, services, or related graphics contained on the website for any purpose. Therefore, any use of such information is at your sole risk.

In no event shall we be liable for any loss or damage, including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of information or profits arising out of, or in connection with, the use of this website.

Every effort will be made to ensure that the website operates smoothly. However, the website management and/or the company accepts no responsibility for the website temporarily not operating due to technical issues beyond our control.

The website reserves the right to edit or delete any article or comment, of any kind and at any time, at the discretion of the editors.

The website does not guarantee that the website will be available at all times and without errors, or that any defect or malfunction in the website or service will be corrected.

Privacy Policy

This policy takes effect as soon as you enter the site.

We undertake not to transfer your email address or any other identifying details to third parties if you register for the services offered on the website. The website contains content that includes links to websites operated by third parties, which are therefore not subject to this privacy policy. When you connect to other websites, this privacy statement and its rules no longer apply.

Website registration and information collection:

• I am aware that in order to receive the above services, information provided by me during registration is collected through the website, as detailed below (hereinafter: "Personal information").
• I am aware that by registering on the website and providing personal information, I agree that my details will be stored in the registered database of Mishkanat Ya'el Ltd. (hereinafter referred to as "Mishkanat Ya'el")."The company") managed in accordance with the Privacy Protection Law, 1981 (hereinafter: "The law") and the regulations pursuant thereto, including for direct mailing purposes.
• I am aware that I am under no legal obligation to provide personal information and that the provision of personal information is done with my full and free consent. However, I am aware that if I decide not to provide the requested information, there are services that I will not be able to receive, at the sole discretion of the company.

Direct mail and advertising messages:

• By registering on the website, I agree that you may use the contact details I provide (when registering for services, purchasing products, or in any other case where I provide contact details) to keep in touch with me, offer and send me suggestions, tips, and lectures for significantly improving my financial situation, direct mail, updates, advertisements, and to send me various messages regarding various services provided by you and/or on your behalf. (Hereinafter: "Mailing").

Removal from mailing list:

The mailing will be sent to you via email. There is a link at the end of each email. If you do not wish to receive further emails, you can click on the unsubscribe link and you will be removed from the mailing list. In accordance with the Privacy Protection Act, 1981.

Questions, comments, or reports of problems

You can send questions, comments, or reports to: Rimon Hayat, rimon@EffectiveMortgage.co.il

Intellectual property – displaying content from the website or distributing it on other websites

The articles on this website are protected by copyright and are owned by the website management and/or the company.

If there is no other agreement between the Internet marketing site for businesses and a party interested in displaying or distributing content from the site, the license to use the site's content, including comments, shall be in accordance with the Creative Commons Attribution-NonCommercial-NoDerivs 3.0 License.

The full version of the Creative Commons agreement can be viewed at the following link:

http://creativecommons.org/licenses/by-nc-nd/3.0

Terms of Use for the Discussion and Comment System

The site allows users to write messages that will appear in the discussion system, write responses to articles published on the site, view messages from other users in the discussion system, and view responses to messages.

By entering the discussion and comments system, you agree to the terms of use as detailed below. You also acknowledge and agree that any use of the discussion and comments system that does not comply with these terms is strictly prohibited.

You acknowledge that you are aware of and agree that the terms of use of the discussion and comments system shall apply, with the necessary changes, to writing and submitting comments on articles on the website and to viewing comments posted by other users.

You acknowledge and agree that the content appearing in the discussion and comment system is not provided by the website, and that the website system bears no responsibility for the correctness, accuracy, quality, and reliability of the messages in the discussion and comment system, for errors, misrepresentations, harm to individuals or companies, violations of the law, and/or any offensive content published within the discussion and comment system.

You acknowledge and agree that the website management and/or the company is not responsible for any loss or damage, direct or indirect, that may result from viewing and/or using the information in the discussion and comments system, or from viewing and/or using the information appearing in links to websites and/or other sources appearing in the discussion and response system.

You acknowledge and agree that the content and messages appearing in the discussion and comment system are the sole responsibility of the participants in the discussions. You also acknowledge and agree that by using the discussion and comment system, you may be exposed to information that is incorrect, misleading, offensive, illegal, etc., and that you will have no claim, demand, or lawsuit against the site management and/or the company in this regard.

The site management and/or business are not responsible for any change and/or correction and/or omission and/or tampering and/or damage of any kind made to any message written and/or sent to the discussion and comments system.

You acknowledge and agree that it cannot be assumed that the identity attributed to users of the discussion and comment system is their true identity, and it cannot be assumed that the authors of the posts know that the information they provide is true and/or accurate.

As a participant in the discussion and response system, you hereby agree and undertake unconditionally to act as follows:

Do not send any message, information, data, content, or other material that is illegal and/or violates any agreement, commitment, or right, and/or is harmful and/or threatening and/or rude and/oror harassing and/or offensive and/or racist and/or defamatory and/or likely to constitute libel and/or slander and/or likely to constitute a violation of another person's privacy.
Do not impersonate any person and/or any other entity.
Do not violate the privacy of other users (by sharing information about other users via the discussion and comment system or other means, including their name, phone number, messaging service subscription details, or any other means of identification).
Do not send information to the discussion and response system that may solicit other users and/or promote an illegal purpose and/or cause damage.
Do not send material that contains viruses and/or computer software that may cause damage to the site or to users of the discussion and comment system.
Not to violate, either directly or indirectly, intentionally or unintentionally, the provisions of any law.
Do not advertise and/or offer to sell goods or services for commercial purposes.
Do not conduct or transmit surveys, contests, pyramid schemes, or chain letters.
Do not download any file or other content posted by another user in the discussion and comments system, which you know, or should reasonably know, is prohibited from being distributed in this manner.
Do not falsify or delete any mention of author details, legal or other notices, or any indication of exclusivity or marking indicating the origin of content and/or articles and/or software and/or any other material contained in a file and/or text and/or image that has been uploaded and/or otherwise posted on the network.
Do not restrict or prevent other users from using and enjoying the discussion and comment system.
Do not post advertising messages directly or disguised as content messages on the discussion and response system.
Do not upload files containing software or any other material that is subject to any third-party rights, including intellectual property rights, privacy rights, publicity rights, etc.
You acknowledge and agree that sending a message to the discussion and comments system constitutes an irrevocable, unlimited, and royalty-free license and permission from the sender of the message to the website system to make any use of the message and its content.

You confirm that you are aware and agree that the website management system and/or the company is entitled, but not obligated, to remove and/or delete a comment, or part of it, which in its sole discretion, or that of an authorized party, deviates from what is deemed appropriate for a discussion system. This includes, but is not limited to, comments that are obscene, offensive, defamatory, an invasion of privacy, vulgar, slanderous, infringing, coarse, obscene, or prohibited by law and/or agreement, whether express or implied. In the event that a comment or parts thereof are deleted as aforesaid, the website management and/or the company is not obligated to inform anyone or warn about the removal and/or deletion of the information. In the event of such deletion, you shall have no claim against the website management and/or the company and/or any authorized party.

The user and/or author and/or sender of messages to the discussion and comment system hereby agrees and undertakes to indemnify the site management and/or company for any expense and/or damage, as may be, arising from a claim and/or demand directed against them by a third party due to a breach of any of the provisions stated in these Terms of Use, and/or of any other right belonging to any third party.

You confirm that you are aware and agree that the website management and/or the company is not responsible for the privacy of user details in the discussion and comment system, and additionally reserves the right to disclose user details (to the extent known to them) in the following cases:

if the user's use of the discussion and comment system and/or the material and/or the information published or used by the user in the discussion and comment system is illegal.
If the material and/or information used by the user is related to and/or pertains to legal proceedings and/or is required for proceedings by any third party and/or by the competent authority.
if the material and/or information used by the user is required to enforce the correct and proper implementation of these terms and conditions.
If the material and/or information that the user uses is required to protect the interests of the website management and/or the company.
If the material and/or information used by the user is required to protect human life, his physical integrity, or his dignity.
If the site's system is required to disclose material and/or information that the user has used under a court order or judgment.
The website system reserves the right to change the terms and conditions of use for the discussion and comment system at any time it deems appropriate, at its sole discretion. Participants in the discussion and comment system are requested to review the terms of use periodically to stay updated on any changes.

The website management and/or the company shall be entitled to immediately, unilaterally, and without prior notice, terminate the discussion and comment system, and the user shall have no claim and/or right of suit and/or demand for this reason.

The website management and/or the company does its best to locate offensive material and/or material that violates these terms of use and/or the provisions of any law. However, if you, as a user, believe that information and/or material published in the discussion and comment system has been copied in a way that infringes upon your rights, and/or that the content is otherwise harmful to you and/or a third party and/or violates any law – please immediately notify the website system with full details.

Delivery terms

Digital products purchased on the website are received immediately after payment. Upon payment confirmation, the customer will be redirected to a page where they can download the product. For security purposes, we also send an email with the product attached within two business days of transaction confirmation.

Consulting services are provided to the client in coordination with the schedule between the client and the supplier.

In case of any problem with the supply of a product or service, you can contact us by email: contact@effectivemortgage.co.il

Or by phone at 03-540-1919.

Purchases on the site are secured using PCI standard Which is the banking device for credit card transactions online.

Cancellation and Refund Policy

Unless otherwise stated on the payment page, you may cancel any transaction made through the website within 14 days and receive a full refund, minus a cancellation fee of 5% (or 200 NIS, whichever is lower), except for payments for events taking place less than 7 days from the date of cancellation; In such a case, the transaction will not be canceled and no refund will be issued.

The law of the State of Israel shall apply to this agreement and its terms, and they shall be interpreted in accordance therewith exclusively.
Changes to the terms of use of this site without notice

Terms of use are dynamic and sometimes change. You should not assume they will remain the same, and you agree to check for changes to the terms each time you visit the site. Unless the basis of the site and the terms have changed in a way that we send a notification on the site or via email, you will not receive any notification of changes to these terms. Under no circumstances does this site guarantee notification. Your continued use of the site is evidence of your acceptance of the terms of this disclaimer or any changes made to it.

Last updated

This disclaimer was last updated on 10/2/2023