These terms of use are on our website https://fintech-alliance.com (our “Site”). Please read these Terms of Use carefully before you start to use our Site as they represent the Terms of Use on which we make our Site including the content, search facilities, links to third party resources and information and other services provided from time to time available to you. By using our Site, you indicate that you accept these Terms of Use and that you agree to abide by them. If you do not agree to these Terms of Use, please refrain from using our Site.
1. INFORMATION ABOUT US
1.1
Our Site is owned and operated by FinTech Alliance Limited (a company registered in England under number 11779543 with its registered office at The Chestnuts Brewers End, Takeley, Bishop's Stortford, England, CM22 6QJ (“we”, “us” or “our”). Our VAT number is 314 6703 20
2. ACCESSING OUR SITE
2.1.
Access to our Site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service (including the availability of any feature, database or content) we provide on our Site without notice (see below). We will not be liable if for any reason our Site changes or is unavailable at any time or for any period.
2.2.
You shall be responsible for obtaining and maintaining any equipment and services needed to connect to, access or otherwise use our Site.
3. REGISTRATION & SECURITY
3.1.
We may restrict access to certain parts of our Site to users who have or have not registered with us. If you register with us, you must provide true and accurate information about yourself. Should the registration information provided prove false or misleading, we may suspend or terminate your account.
3.2.
You may not select or use as your username a name of another person with the intent to impersonate that person. If you misuse your account in breach of these Terms of Use, we reserve the right to refuse registration or to cancel your account at our discretion.
3.3.
You are responsible for maintaining the security of your username and password. You authorise us to act on instructions received under your username, and we will not be liable for any loss that you might suffer through following such instructions whether by you or another person.
3.4.
You must notify us at info@fintech-alliance.com of any known or suspected unauthorised use(s) of your account.
3.5.
You are responsible for all activity under your username even if someone else uses your account.
3.6.
You should exit from your account at the end of your session if you are using a shared computer.
4. INFORMATION ABOUT YOU AND YOUR VISITS TO OUR SITE
4.1.
We use your registration data and certain other information we collect about you in accordance with our privacy policy. By using our Site, you consent to such processing, and you warrant that all data provided by you is true and accurate.
5. SITE CONTENT
5.1.
Save for the User Content (as defined in paragraph 10.1 below), all materials displayed or performed on the Site (including, but not limited to text, graphics, news articles, photographs, images, illustrations, audio clips and video clips) are protected by copyright, trademarks, database right and other intellectual property rights, which are owned or controlled by us or our third-party content providers.
5.2.
You acknowledge and agree that the material and content contained within our Site is made available for your personal use only. You must not sell, reproduce, modify, copy, display, distribute or use our Site or any material or content within for any commercial purpose without first obtaining a licence to do so from us or our licensors. In particular, you may not copy, cut, paste, scan, save, or distribute (whether by electronic means or in any other way howsoever) any material or content from our Site for commercial purposes. If you print off, copy or download any part of our Site in breach of these terms of use, your right to use our Site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.
5.3.
You may link to our Site, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. Our Site must not be framed on any other site, nor may you create a link to any part of our site other than the home page. We reserve the right to withdraw linking permission without notice.
6. LAWFUL USE
6.1.
You may use our Site only for lawful purposes. You must not use our Site:
6.1.1.
In any way that breaches any applicable local, national or international law or regulation;
6.1.2.
In any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect;
6.1.3.
To send, knowingly receive, upload, download, use or re-use any material which does not comply with our content standards in paragraph 10.1 below;
6.1.4.
To knowingly transmit any data, or send or upload any material that contains viruses, Trojans, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.
6.2.
You also agree:
6.2.1.
Not to access without authority, interfere with, damage or disrupt:
6.2.1.1.
Any part of our Site;
6.2.1.2.
Any equipment or network on which our Site is stored;
6.2.1.3.
any software used in the provision of our Site; or
6.2.1.4.
Any equipment or network or software owned or used by any third party.
7. INTERACTIVE SERVICES
7.1.
We may from time to time provide interactive services on our Site, including, without limitation:
7.1.1.
News and blogs upon which registered users may comment;
7.1.2.
Forums for discussion of issues of interest to the users of our Site;
7.1.3.
Submission of user-generated content for use and display on our Site;
7.1.4.
Social networking services where registered members can create online personal profiles and interact and share information with other registered members.
7.2.
Any use of our interactive services must comply with our user conduct and standards set out in paragraph 10.1 below.
7.3.
We do not oversee, monitor or moderate the content that you upload to our Site using our interactive services and neither do we vet or screen users of our Site. You use the Site at your own risk, and you should take care with the information you post on our Site.
8. THIRD PARTY SITES
8.1.
This Site contains links to sites and services provided by third parties. We have no control over the content of those sites and services and accept no responsibility for them or for any loss or damage that may arise from your use of them or from your purchase of goods or services from them.
8.2.
To gain access to these sites and services, you may need to register with these third parties and will deal with them direct. Your dealings with, and interest in, services, merchants or promotions found on or via our Site are solely between you and the company, organisation or person with whom you are dealing. Accordingly, you use these sites and services at your own risk, and we accept no responsibility for them or for any loss or damage that may arise from your use of them. You should read carefully the terms and conditions applicable at each site you access through our Site before you deal with them.
9. ADVERTISING AND PROMOTIONS
9.1.
This Site may contain various forms of third-party advertising and promotions. In consideration of our granting you access without charge to this Site and the various services which we make available through this Site, you agree that:
9.1.1.
We may place such advertising and promotions on our Site;
9.1.2.
We may send you by email newsletters and other information containing advertisements or promotions for the goods or services whether supplied by us or third parties selected by us;
9.1.3.
Our advertising and promotions may be targeted to the content of the information on this Site or other information which we may hold about you.
9.2.
The manner, mode and extent of advertising and promotions on our Site is subject to change without specific notice to you.
9.3.
While we take reasonable care to ensure that all details, descriptions and prices of services appearing on our Site are current and correct, these are subject to change at any time, and we will not be responsible to you for any error or inaccuracy in any such details. In particular, we shall not be responsible if any third party offer or promotion referred to on our Site is no longer available, or has been withdrawn or varied.
9.4.
The advertisers and promoters are responsible for ensuring that material submitted for inclusion on this Site complies with relevant laws and codes.
10. USER CONDUCT AND CONTENT STANDARDS
10.1.
These conduct and content standards apply to any content, material and comment you upload to, display on, or distribute or otherwise publish through, the Site (“User Content”) and your use of the Site.
10.2.
You must not upload, post, email or otherwise transmit any User Content that:
10.2.1.
Is libellous, defamatory, obscene, abusive, or otherwise violates any law;
10.2.2.
Infringes any patent, trademark, database right, trade secret, copyright or other proprietary right of any party;
10.2.3.
You do not have the right to transmit under any law or contractual relationship (such as confidential information);
10.2.4.
Contains any unsolicited or unauthorised advertising, promotional materials, solicitation of funds, spam, chain letter, junk mail or any other form of solicitation for goods or services except in those areas that are designated for such purpose;
10.2.5.
Contains viruses or any other code, files or programs designed to damage, interrupt, destroy or limit the functionality of any computer software, hardware or telecommunications equipment;
10.2.6.
Is pornographic, sexually explicit or obscene.
10.3.
User Content must not:
10.3.1.
Be likely to deceive any person or made in breach of any legal duty owed to a third party or promote any illegal activity;
10.3.2.
Be used to impersonate any person, or to misrepresent your identity or affiliation with any person or give the impression that it emanates from us if this is not the case;
10.3.3.
Advocate, promote or assist any unlawful act such as (by way of example only) copyright infringement or computer misuse.
10.4.
You shall be civil and show respect for other users. You shall not interfere with another’s enjoyment of the Site. You may not target another to cause distress, embarrassment, unwanted attention or other discomfort or invade another’s privacy.
10.5.
While we encourage lively discussion within our Site’s news articles, blogs and forums, personal attacks are not allowed. Under no circumstances must you attack a person based on the person’s race, national origin, ethnicity, religion, gender, sexual orientation, disability, age or other identification.
11. SUSPENSION AND TERMINATION
11.1.
Failure to comply with these Terms of Use and, in particular, our conduct and content standards set out in paragraph 10 above constitutes a material breach of the terms upon which you are permitted to use our Site, and may result in our taking all or any of the following actions at our discretion:
11.1.1.
Immediate, temporary or permanent withdrawal of your right to use our Site;
11.1.2.
Immediate, temporary or permanent removal of any posting or material uploaded by you to our Site;
11.1.3.
The issue of a warning to you;
11.1.4.
Legal action against you including proceedings for reimbursement of any and all damages and costs on an indemnity basis (including, but not limited to, reasonable administrative and legal costs) resulting from the breach;
11.1.5.
Disclosure of such information to law enforcement authorities or third party complainants as we reasonably feel is necessary or required;
11.1.6.
Disclosure of your identity to any third party who is claiming that any material posted or uploaded by you to our Site violates their intellectual property rights, right to privacy or other legal rights.
11.2.
The responses described in this clause are not limited, and we may take any other action we reasonably deem appropriate.
12. COMPLAINTS
12.1.
If you wish to complain about any User Content posted to our Site, please contact us at info@fintech-alliance.com. We will then review your complaint and decide whether the User Content complies with our Terms of Use and, in particular, our conduct and content standards set out in paragraph 10 above. If not, we will deal with the matter as described in paragraph 11 above. We will inform you of the outcome of our review within a reasonable time of receiving your complaint.
13. USER CONTENT LICENCE
13.1.
We do not claim any ownership rights of your User Content. After posting your User Content to the Site, you continue to retain all ownership rights of such User Content, and you continue to have the right to use your User Content in any way you choose.
13.2.
By posting any User Content on or through the Site, you grant us a perpetual, royalty-free, worldwide, sub-licensable, non-exclusive, irrevocable licence to use, reproduce, distribute, exploit, perform, display and electronically transmit in any way the User Content, and create derivative works based on the User Content.
13.3.
You agree that you have the full power and authority to grant the licence in paragraph 13.2.
13.4.
We may sublicense any of the rights licensed under paragraph 13.2 to third parties including any of our associated companies, advertising networks of our distribution partners and third-party service providers.
13.5.
You agree to waive any moral rights you have in User Content (including the right to be identified as the author) so that we may adapt, use, reproduce, distribute, exploit, perform, display and transmit the User Content freely and without restriction.
13.6.
You acknowledge that the User Content is free from any obligation of confidence or similar restriction.
13.7.
We may display advertisements and promotions relating to or in connection with your User Content and use your User Content for advertising and promotional purposes.
13.8.
You agree that we will not be held responsible or liable for the deletion or failure to store or display any messages, communications or other content maintained or transmitted by or under your account.
13.9.
You agree that we may terminate accounts that are inactive for more than six months. You will not be able to recover any data on a deactivated account.
14. IP ADDRESSES & COOKIES
14.1
Please see the privacy policy for information on IP Addresses and Cookies.<
15. INTERNATIONAL USE
15.1.
We make no promise that materials on our Site are appropriate or available for use in locations outside the United Kingdom, and accessing our Site from territories where its contents are illegal or unlawful is prohibited. If you choose to access our Site from locations outside the United Kingdom, you do so on your own initiative and are responsible for compliance with local laws.
16. SUPPORT AND COMMUNICATIONS
16.1.
You are using this Site at your own risk, and we are under no obligation to provide you with any technical support or to correct any errors, although we reserve the right to do so. If you experience any difficulty using our Site, you can contact us by email at info@fintech-alliance.com,and we shall endeavour to respond to your enquiry.
16.2.
From time to time, we may send to you by email information about changes or additions to the Site, or about any of our products or services.
17. WARRANTY DISCLAIMER
17.1.
We provide this Site and the services available through it, on an “as is” and “as available” basis with all faults. To the maximum extent permitted by law, we disclaim any implied conditions and warranties that this Site and the services available through it are of satisfactory quality, accurate, complete, current, not misleading, fit for a particular purpose or non-infringing. We, therefore, disclaim any liability (whether in contract, tort (including negligence) or otherwise) and responsibility arising from any reliance placed by you on this Site and the information and services available through it.
17.2.
We do not guarantee that you will be able to access or use this Site at times or locations of your choosing.
18. LEGAL ADVICE
18.1.
This site is for general information, and we do not purport to provide any legal, financial or other professional advice. You should take specific professional advice about your specific circumstances.
19. LIABILITY
19.1.
To the maximum extent permitted by law, we will not have any liability to you (whether in contract, tort (including negligence) or otherwise) in connection with this Site and the content and services available through it or your use of or inability to use it or them. You agree that this is fair and reasonable taking into account the fact that this Site and the content and services available through it are provided free of charge.
19.2.
We shall not, in any event, have any liability to you (whether in contract, tort (including negligence) or otherwise for any:
19.2.1.
loss of revenue, profits, business or anticipated savings; or
19.2.2.
Indirect, special or consequential loss or damage whatsoever or howsoever incurred.
19.3.
Nothing in these Terms of Use shall exclude or limit any liability for (i) death or personal injury resulting from our negligence, (ii) fraud or fraudulent misrepresentation or (ii) any other liability that cannot by law be limited or excluded.
20. INDEMNITY
20.1.
You shall indemnify and hold us harmless from all damages, liabilities, costs, claims and expenses that arise out of the User Content you submit, post or transmit via our Site, or from your use or misuse of this Site or the use or misuse by any person for whom you are responsible or from your breach of these Terms of Use.
21. TERMINATION
21.1.
We may, in our absolute discretion, terminate your access to all or part of the Site and the services available through it with or without notice. Upon such termination or suspension, you may be denied access to any information you have stored through our Site, and this may not be retrieved later.
21.2.
We, therefore, recommend that you keep a copy of any information or User Content you store through our Site if you want to be able to access such information or User Content permanently.
22. MISCELLANEOUS
22.1.
These Terms of Use constitute the entire agreement between us for the use of our Site and the services available through it.
22.2.
If we do not exercise or enforce any legal right or remedy which may be available to us, this will not be taken to be a formal waiver of our rights.
22.3.
If any part of these Terms of Use shall be unlawful or unenforceable for any reason, this shall not affect the remainder of these Terms of Use, and that part shall be limited or eliminated to the minimum extent necessary so that these Terms of Use shall otherwise remain in full force and effect.
2.4.
In the event that we are acquired by, or merge with, a third party, we may transfer any or all of our rights and obligations under these Terms of Use to that third party or the newly merged entity. We may also transfer any or all of our rights and obligations under these Terms of Use in the event of a corporate group re-organisation to any member within our group of companies.
22.5.
These Terms of Use shall be governed by and construed in accordance with the laws of England and Wales. In the event of any dispute arising in relation of these Terms of Use or in relation to our Site or the provision of any services by us the English courts will have exclusive jurisdiction over such dispute although we retain the right to bring proceedings against you for breach of these Terms of Use in your country of residence or other relevant country.
Thank you for visiting FinTech Alliance.