```php

<style>
.ab-terms-container{
    max-width:1100px;
    margin:50px auto;
    padding:20px;
}

.ab-terms-hero{
    background:linear-gradient(135deg,#4CAF50,#2E7D32);
    color:white;
    padding:60px 40px;
    border-radius:25px;
    text-align:center;
    box-shadow:0 10px 30px rgba(0,0,0,0.12);
    margin-bottom:35px;
}

.ab-terms-hero h1{
    font-size:48px;
    margin-bottom:15px;
}

.ab-terms-hero p{
    font-size:20px;
    opacity:0.95;
}

.ab-section{
    background:white;
    padding:35px;
    border-radius:20px;
    margin-bottom:25px;
    box-shadow:0 6px 20px rgba(0,0,0,0.08);
    transition:all 0.3s ease;
}

.ab-section:hover{
    transform:translateY(-3px);
}

.ab-section h2{
    color:#2E7D32;
    border-left:6px solid #FF9800;
    padding-left:14px;
    margin-bottom:20px;
    font-size:28px;
}

.ab-section h3{
    color:#FF5722;
    margin-top:25px;
    margin-bottom:15px;
}

.ab-section p{
    color:#555;
    line-height:1.9;
    font-size:16px;
}

.ab-section ul{
    padding-left:25px;
    margin-top:15px;
}

.ab-section li{
    margin-bottom:10px;
    line-height:1.8;
    color:#555;
}

.ab-highlight{
    background:linear-gradient(135deg,#FFF8E1,#FFE0B2);
    border-left:6px solid #FF9800;
    padding:20px;
    border-radius:15px;
    margin-top:20px;
    margin-bottom:20px;
}

.ab-warning{
    background:linear-gradient(135deg,#FFEBEE,#FFCDD2);
    border-left:6px solid #E53935;
    padding:20px;
    border-radius:15px;
    margin-top:20px;
    margin-bottom:20px;
}

.ab-success{
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    border-left:6px solid #43A047;
    padding:20px;
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    margin-top:20px;
    margin-bottom:20px;
}

.ab-contact-box{
    background:#E8F5E9;
    padding:20px;
    border-radius:15px;
    text-align:center;
    margin-top:20px;
}

.ab-contact-box a{
    color:#2E7D32;
    font-weight:700;
    text-decoration:none;
}

.ab-contact-box a:hover{
    color:#FF5722;
}

.ab-footer-box{
    background:linear-gradient(135deg,#FF9800,#FF5722);
    color:white;
    padding:35px;
    border-radius:20px;
    text-align:center;
    margin-top:35px;
    box-shadow:0 8px 25px rgba(255,87,34,0.25);
}

@media(max-width:768px){

    .ab-terms-hero{
        padding:40px 25px;
    }

    .ab-terms-hero h1{
        font-size:34px;
    }

    .ab-section{
        padding:25px;
    }

    .ab-section h2{
        font-size:24px;
    }
}
</style>

<div class="ab-terms-container">

    <div class="ab-terms-hero">
        <h1>📜 Terms and Conditions</h1>
        <p>
            Please read these terms carefully before using Agal-Bagal.
        </p>
        <p><strong>Last Updated:</strong> June 2026</p>
    </div>

    <div class="ab-section">
        <p>
            Welcome to <strong>Agal-Bagal</strong>, operated by
            <strong>Banke Bihari Solutions</strong>, Uttar Pradesh, India.
        </p>

        <p>
            By accessing, registering for, or using Agal-Bagal,
            you agree to be bound by these Terms and Conditions.
            If you do not agree with these Terms, please discontinue use of the platform.
        </p>
    </div>

    <div class="ab-section">
        <h2>1️⃣ Eligibility and Account Security</h2>

        <h3>Age Requirement</h3>
        <p>
            You must be at least 18 years of age, or the legal age of majority
            in your jurisdiction, to create an account and use the platform.
        </p>

        <h3>Account Information</h3>

        <p>You agree to provide accurate and complete information.</p>

        <ul>
            <li>Maintain confidentiality of your login credentials.</li>
            <li>Restrict unauthorized access to your account.</li>
            <li>Remain responsible for all account activities.</li>
        </ul>

        <h3>Location Information</h3>

        <p>
            Certain hyperlocal features require location information.
            By using such features, you consent to the use of location data
            as described in our Privacy Policy.
        </p>
    </div>

    <div class="ab-section">
        <h2>2️⃣ Purpose of the Platform</h2>

        <ul>
            <li>Discover local businesses and service providers.</li>
            <li>Connect with neighbors and communities.</li>
            <li>Promote local products and services.</li>
            <li>Participate in neighborhood discussions and recommendations.</li>
        </ul>

        <div class="ab-highlight">
            Agal-Bagal acts solely as a platform facilitator and is not a party
            to agreements or transactions between users.
        </div>
    </div>

    <div class="ab-section">
        <h2>3️⃣ Community Guidelines and Acceptable Use</h2>

        <div class="ab-warning">
            Agal-Bagal is designed to foster trust, safety, and community engagement.
        </div>

        <h3>Harassment and Abuse</h3>
        <ul>
            <li>Personal attacks</li>
            <li>Bullying</li>
            <li>Threats</li>
            <li>Stalking</li>
            <li>Defamation</li>
            <li>Naming and shaming neighbors</li>
        </ul>

        <h3>Privacy Violations</h3>
        <ul>
            <li>Publishing private addresses</li>
            <li>Publishing phone numbers without consent</li>
            <li>Doxxing</li>
            <li>Sharing confidential information</li>
        </ul>

        <h3>Hate Speech and Discrimination</h3>
        <ul>
            <li>Religion</li>
            <li>Race</li>
            <li>Ethnicity</li>
            <li>Caste</li>
            <li>Gender</li>
            <li>Disability</li>
        </ul>

        <h3>Commercial Abuse</h3>
        <ul>
            <li>Spam</li>
            <li>Fraudulent promotions</li>
            <li>MLM schemes</li>
            <li>Unsolicited advertising</li>
        </ul>

        <h3>Illegal Activities</h3>
        <ul>
            <li>Illegal goods</li>
            <li>Counterfeit products</li>
            <li>Restricted products</li>
            <li>Illegal services</li>
        </ul>
    </div>

    <div class="ab-section">
        <h2>4️⃣ User Listings and User Content</h2>

        <h3>Ownership</h3>

        <p>
            You retain ownership of your content including photos,
            reviews, listings, comments and business information.
        </p>

        <h3>License to Agal-Bagal</h3>

        <p>
            By posting content you grant Agal-Bagal a worldwide,
            royalty-free license to host, display and distribute
            such content solely for operating and promoting the platform.
        </p>

        <h3>Content Responsibility</h3>

        <p>
            You remain solely responsible for content you publish.
        </p>
    </div>

    <div class="ab-section">
        <h2>5️⃣ Transactions and Business Listings</h2>

        <div class="ab-warning">
            Agal-Bagal does not verify or guarantee businesses,
            products, services, listings or reviews.
        </div>

        <p>Users should independently verify information before engaging.</p>

        <h3>Agal-Bagal is not responsible for:</h3>

        <ul>
            <li>Payment disputes</li>
            <li>Delivery issues</li>
            <li>Service quality</li>
            <li>Product quality</li>
            <li>Pricing disputes</li>
        </ul>

        <h3>Future Fees</h3>

        <ul>
            <li>Premium listings</li>
            <li>Advertisements</li>
            <li>Subscription plans</li>
            <li>Featured business placements</li>
        </ul>
    </div>

    <div class="ab-section">
        <h2>6️⃣ In-Person Meetings and User Safety</h2>

        <div class="ab-warning">
            Users interact with businesses and other users entirely at their own risk.
        </div>

        <ul>
            <li>Meet in public places.</li>
            <li>Verify identities independently.</li>
            <li>Exercise caution during transactions.</li>
        </ul>
    </div>

    <div class="ab-section">
        <h2>7️⃣ Moderation and Content Monitoring</h2>

        <p>
            Agal-Bagal is not required to pre-screen all content before publication.
        </p>

        <p>Moderation may occur through:</p>

        <ul>
            <li>User reports</li>
            <li>Automated safety systems</li>
            <li>Administrative review</li>
            <li>Community moderators</li>
        </ul>
    </div>

    <div class="ab-section">
        <h2>8️⃣ Content Removal and Account Suspension</h2>

        <div class="ab-warning">
            Agal-Bagal reserves the right to remove content,
            restrict accounts, or terminate access without prior notice.
        </div>

        <h3>Possible Actions</h3>

        <ul>
            <li>Content removal</li>
            <li>Posting restrictions</li>
            <li>Temporary suspension</li>
            <li>Permanent termination</li>
        </ul>
    </div>

    <div class="ab-section">
        <h2>9️⃣ Reporting Violations and False Reporting</h2>

        <p>Users are encouraged to report:</p>

        <ul>
            <li>Fraudulent activity</li>
            <li>Safety concerns</li>
            <li>Harmful content</li>
            <li>Guideline violations</li>
        </ul>

        <div class="ab-warning">
            Abuse of reporting mechanisms may result in suspension or termination.
        </div>
    </div>

    <div class="ab-section">
        <h2>🔟 Intellectual Property</h2>

        <p>
            All branding, trademarks, logos, software, graphics,
            and proprietary content remain the property of
            Banke Bihari Solutions or its licensors.
        </p>
    </div>

    <div class="ab-section">
        <h2>1️⃣1️⃣ Limitation of Liability</h2>

        <div class="ab-warning">
            Users acknowledge that they use the platform entirely at their own risk.
        </div>

        <p>
            Agal-Bagal shall not be liable for user content,
            disputes, transaction losses, service interruptions,
            personal injury, property damage, or indirect losses.
        </p>
    </div>

    <div class="ab-section">
        <h2>1️⃣2️⃣ Indemnification</h2>

        <p>
            You agree to indemnify and hold harmless Agal-Bagal,
            Banke Bihari Solutions, its founders, employees,
            moderators and affiliates from claims arising from your use of the platform.
        </p>
    </div>

    <div class="ab-section">
        <h2>1️⃣3️⃣ Changes to Terms</h2>

        <p>
            We may update these Terms and Conditions at any time.
            Continued use of the platform constitutes acceptance of updates.
        </p>
    </div>

    <div class="ab-section">
        <h2>1️⃣4️⃣ Governing Law and Jurisdiction</h2>

        <p>
            These Terms are governed by the laws of India.
            Disputes shall be subject to the exclusive jurisdiction
            of courts located in Uttar Pradesh, India.
        </p>
    </div>

    <div class="ab-section">
        <h2>1️⃣5️⃣ Contact Information</h2>

        <div class="ab-contact-box">
            <p><strong>Banke Bihari Solutions</strong></p>
            <p>📍 Uttar Pradesh, India</p>

            <p>
                📧 Email:
                <a href="mailto:info@agal-bagal.com">
                    info@agal-bagal.com
                </a>
            </p>

            <p><strong>Platform:</strong> Agal-Bagal</p>
        </div>
    </div>

    <div class="ab-footer-box">
        <h2>🏘️ Building Safer Local Communities Together</h2>

        <p>
            Thank you for being a part of Agal-Bagal and supporting
            local businesses, neighborhood connections,
            and vibrant local communities.
        </p>
    </div>

</div>

```

<h1>Terms & Conditions</h1>
<p><em>Last updated: [date]</em></p>

<!-- 👇 PASTE your existing Terms & Conditions content here, replacing this comment.
     Use the WordPress editor on your current live terms-and-conditions page
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