the Fintech Guide

Terms of Use

Last updated: July 10, 2024

Welcome to The Fintech Guide website located at thefintechguide.com (the “Site”). The Site is a copyrighted work belonging to The Fintech Guide (“Company,” “we,” “us,” “our”). Certain features of the Site may be subject to additional guidelines, terms, or rules, which will be posted on the Site in connection with such features. All such additional terms, guidelines, and rules are incorporated by reference into these Terms.

Acceptance of Terms

By logging into the Site, you agree to be bound by these Terms and you represent that you have the authority and capacity to enter into these Terms. You must be at least 18 years of age to access the Site. If you disagree with any part of these Terms, do not log into and/or use the Site.

Arbitration Agreement

These Terms require the use of arbitration Section 10.2 on an individual basis to resolve disputes and also limit the remedies available to you in the event of a dispute.

Access to the Site

License: Subject to these Terms, Company grants you a non-transferable, non-exclusive, revocable, limited license to access the Site solely for your own personal, noncommercial use.

Restrictions: The rights approved to you in these Terms are subject to the following restrictions:

  • You shall not sell, rent, lease, transfer, assign, distribute, host, or otherwise commercially exploit the Site.
  • You shall not change, make derivative works of, disassemble, reverse compile or reverse engineer any part of the Site.
  • You shall not access the Site in order to build a similar or competitive website.
  • No part of the Site may be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means without prior written permission.

Company reserves the right to change, suspend, or cease the Site with or without notice to you. You agree that Company will not be held liable to you or any third-party for any change, interruption, or termination of the Site or any part.

No Support or Maintenance

You agree that Company will have no obligation to provide you with any support in connection with the Site.

Ownership of Intellectual Property

Excluding any User Content that you may provide, you acknowledge that all the intellectual property rights, including copyrights, patents, trademarks, and trade secrets, in the Site and its content are owned by Company or Company’s suppliers. Note that these Terms and access to the Site do not give you any rights, title, or interest in or to any intellectual property rights, except for the limited access rights expressed herein.

User Content

“User Content” means any and all information and content that a user submits to the Site. You are exclusively responsible for your User Content. You bear all risks associated with use of your User Content. You certify that your User Content does not violate our Acceptable Use Policy. You may not imply that your User Content is in any way provided, sponsored, or endorsed by Company. Company is not obliged to backup any User Content and your User Content may be deleted at any time without prior notice to you.

License to User Content

You hereby grant Company an irreversible, nonexclusive, royalty-free, worldwide license to reproduce, distribute, publicly display and perform, prepare derivative works of, incorporate into other works, and otherwise use and exploit your User Content.

Acceptable Use Policy

You agree not to use the Site to collect, upload, transmit, display, or distribute any User Content that:

  • Violates any third-party right or any intellectual property or proprietary right.
  • Is unlawful, harassing, abusive, tortious, threatening, harmful, invasive of another’s privacy, vulgar, defamatory, false, intentionally misleading, trade libelous, pornographic, obscene, patently offensive, promotes racism, bigotry, hatred, or physical harm of any kind against any group or individual.
  • Is harmful to minors in any way.
  • Is in violation of any law, regulation, or obligations or restrictions imposed by any third party.

In addition, you agree not to:

  • Upload, transmit, or distribute any software intended to damage or alter a computer system or data.
  • Send unsolicited or unauthorized advertising, promotional materials, junk mail, spam, chain letters, pyramid schemes, or any other form of duplicative or unsolicited messages.
  • Harvest, collect, gather or assemble information or data regarding other users without their consent.
  • Interfere with, disrupt, or create an undue burden on servers or networks connected to the Site, or violate the regulations, policies or procedures of such networks.
  • Attempt to gain unauthorized access to the Site, whether through password mining or any other means.
  • Harass or interfere with any other user’s use and enjoyment of the Site.
  • Use software or automated agents or scripts to produce multiple accounts on the Site, or to generate automated searches, requests, or queries to the Site.

We reserve the right to review any User Content, and to investigate and/or take appropriate action against you in our sole discretion if you violate the Acceptable Use Policy or any other provision of these Terms.

Feedback

If you provide Company with any feedback or suggestions regarding the Site, you assign to Company all rights in such Feedback and agree that Company shall have the right to use and fully exploit such Feedback and related information in any manner it believes appropriate.

Indemnification

You agree to indemnify and hold Company and its officers, employees, and agents harmless, including costs and attorneys’ fees, from any claim or demand made by any third-party due to or arising out of your use of the Site, your violation of these Terms, your violation of applicable laws or regulations, or your User Content.

Third-Party Links & Ads; Other Users

The Site may contain links to third-party websites and services, and/or display advertisements for third-parties. Company provides access to these Third-Party Links & Ads only as a convenience to you, and does not review, approve, monitor, endorse, warrant, or make any representations with respect to Third-Party Links & Ads.

Disclaimers

The site is provided on an “as-is” and “as available” basis, and company and our suppliers expressly disclaim any and all warranties and conditions of any kind, whether express, implied, or statutory, including all warranties or conditions of merchantability, fitness for a particular purpose, title, quiet enjoyment, accuracy, or non-infringement.

Limitation on Liability

To the maximum extent permitted by law, in no event shall company or our suppliers be liable to you or any third-party for any lost profits, lost data, costs of procurement of substitute products, or any indirect, consequential, exemplary, incidental, special or punitive damages arising from or relating to these terms or your use of, or incapability to use the site even if company has been advised of the possibility of such damages.

Term and Termination

Subject to this Section, these Terms will remain in full force and effect while you use the Site. We may suspend or terminate your rights to use the Site at any time for any reason at our sole discretion, including for any use of the Site in violation of these Terms.

Copyright Policy

Company respects the intellectual property of others and asks that users of our Site do the same. If you believe that one of our users is unlawfully infringing the copyright(s) in a work, and wish to have the allegedly infringing material removed, provide the following information in a written notification to our designated Copyright Agent:

  • Your physical or electronic signature.
  • Identification of the copyrighted work(s) that you claim to have been infringed.
  • Identification of the material on our services that you claim is infringing and that you request us to remove.
  • Sufficient information to permit us to locate such material.
  • Your address, telephone number, and e-mail address.
  • A statement that you have a good faith belief that use of the objectionable material is not authorized by the copyright owner, its agent, or under the law.
  • A statement that the information in the notification is accurate, and under penalty of perjury, that you are either the owner of the copyright that has allegedly been infringed or that you are authorized to act on behalf of the copyright owner.

General

These Terms are subject to occasional revision, and if we make any substantial changes, we may notify you by sending you an e-mail to the last e-mail address you provided to us and/or by prominently posting notice of the changes on our Site. Continued use of our Site following notice of such changes shall indicate your acknowledgement of such changes and agreement to be bound by the terms and conditions of such changes.

Dispute Resolution

All claims and disputes in connection with the Terms or the use of any product or service provided by the Company that cannot be resolved informally or in small claims court shall be resolved by binding arbitration on an individual basis under the terms of this Arbitration Agreement.

Contact Information

Email: [email protected]