Finexura - Terms and Conditions

ACCEPTANCE OF LEGAL AGREEMENT

We, the operators of the Web site (referred to as 'Company', 'we', 'us', or 'our'), provide you with the platform and related services outlined in these Terms and Conditions (the 'Legal Terms'). These Legal Terms apply to your access and use of our Services, which include the Site and any related products or services that refer to these terms (collectively, 'Services').

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You can reach us via email or mail at the provided contact details.

These Legal Terms represent a legally binding agreement between you (either personally or on behalf of an entity) and us, outlining the terms under which you are permitted to access and use our Services. By accessing the Services, you confirm that you have read, understood, and agree to be bound by these Legal Terms. IF YOU DO NOT AGREE WITH ANY PART OF THESE TERMS, YOU ARE NOT ALLOWED TO USE THE SERVICES AND MUST IMMEDIATELY CEASE YOUR USE.

Any changes to the Services will be communicated to you in advance. Updated Legal Terms will come into effect once posted or communicated to you, as specified in the notification. Continued use of the Services after these changes indicates your acceptance of the modified terms.

We advise you to print a copy of these Legal Terms for your records.

TABLE OF CONTENTS

1. OUR SERVICES 2. INTELLECTUAL PROPERTY RIGHTS 3. USER REPRESENTATIONS 4. USER REGISTRATION 5. PRODUCTS 6. PURCHASES AND PAYMENT 7. RETURNS/REFUNDS POLICY 8. SOFTWARE 9. PROHIBITED ACTIVITIES 10. USER-GENERATED CONTRIBUTIONS 11. CONTRIBUTION LICENSE 12. REVIEW GUIDELINES 13. SOCIAL MEDIA 14. THIRD-PARTY CONTENT AND WEBSITES 15. SERVICE MANAGEMENT 16. PRIVACY POLICY 17. DMCA NOTICE AND POLICY 18. TERM AND TERMINATION 19. MODIFICATIONS AND INTERRUPTION 20. GOVERNING LAW 21. DISPUTE RESOLUTION 22. CORRECTIONS 23. DISCLAIMER 24. LIMITATION OF LIABILITY 25. INDEMNIFICATION 26. USER DATA 27. ELECTRONIC COMMUNICATIONS 28. CALIFORNIA USERS 29. MISCELLANEOUS 30. CONTACT US

1. OUR SERVICES

The information provided through our Services is not intended for distribution or use in any jurisdiction where such actions would violate local laws or impose registration requirements. Accessing the Services from other locations is done at your own risk, and you are responsible for complying with local laws.

Our Services do not comply with specific industry regulations such as HIPAA or FISMA. If your activities are subject to these laws, you must refrain from using our Services. Additionally, you are prohibited from using our Services in a way that violates the Gramm-Leach-Bliley Act (GLBA).

2. INTELLECTUAL PROPERTY RIGHTS

We retain ownership of the intellectual property related to our Services, including source code, databases, designs, text, images, and other content ('Content') as well as trademarks and logos ('Marks'). These are protected by copyright and trademark laws worldwide.

Our Content and Marks are provided for personal or internal business use only. You are granted a non-exclusive, non-transferable, revocable license to access the Services and print or download portions of the Content for personal use. Commercial exploitation of any Content or Marks without our explicit consent is prohibited.

If you wish to use our Content or Marks for any purpose beyond personal use, please contact us for permission. Any violation of these intellectual property rights will result in immediate termination of your access to the Services.

When you submit content to us, you assign all intellectual property rights to us. This includes any feedback, comments, or suggestions, which we may use without compensation or acknowledgment. Additionally, any Contributions you make, such as posts or comments, are licensed to us for unrestricted use.

We reserve the right to remove or modify any content that violates our terms or is harmful in nature.

If you believe that any content on our Services infringes upon your copyright, please refer to our DMCA policy.

3. USER REPRESENTATIONS

By using our Services, you affirm that: (1) your registration details are accurate, current, and complete; (2) you will keep this information up to date; (3) you are legally capable of entering into these terms; (4) you are not a minor in your jurisdiction; (5) you will not access the Services using automated means; and (6) your use of the Services complies with applicable laws.

If the information you provide is false or incomplete, we may suspend or terminate your account.

4. USER REGISTRATION

Registration may be required to use certain features. You are responsible for keeping your password confidential and for any activity under your account. We may modify or remove usernames that we deem inappropriate.

5. PRODUCTS

We strive to present product details accurately, but cannot guarantee that all information (including colors and specifications) is error-free. All products are subject to availability, and prices may change without notice.

6. PURCHASES AND PAYMENT

We accept several payment methods, including Visa, Mastercard, American Express, and PayPal. You are responsible for providing accurate payment information and keeping it up to date.

We reserve the right to refuse any order and may limit quantities purchased, including restricting orders by the same account, payment method, or shipping address.

7. RETURNS/REFUNDS POLICY

Please consult our Return Policy on the Services before making a purchase.

8. SOFTWARE

If software is included with our Services, its use will be governed by the applicable license agreement. Without such an agreement, we grant a personal, non-transferable license to use the software in connection with our Services.

9. PROHIBITED ACTIVITIES

You are prohibited from using the Services for any unlawful or unauthorized purposes. This includes commercial activities not expressly approved by us. Additionally, you agree not to engage in any activities that could harm the functionality or security of the Services.

By using our Services, you agree not to:

10. USER GENERATED CONTRIBUTIONS

The Services may invite you to chat, contribute to, or participate in blogs, message boards, online forums, and other functionality, and may provide you with the opportunity to create, submit, post, display, transmit, perform, publish, distribute, or broadcast content and materials to us or on the Services, including but not limited to text, writings, video, audio, photographs, graphics, comments, suggestions, or personal information or other material (collectively, 'Contributions'). Contributions may be viewable by other users of the Services and through third-party websites. As such, any Contributions you transmit may be treated as non-confidential and non-proprietary. When you create or make available any Contributions, you thereby represent and warrant that:

Any use of the Services in violation of the foregoing violates these Legal Terms and may result in, among other things, termination or suspension of your rights to use the Services.

11. CONTRIBUTION LICENCE

By posting your Contributions to any part of the Services or making Contributions accessible to the Services by linking your account from the Services to any of your social networking accounts, you automatically grant, and you represent and warrant that you have the right to grant, to us an unrestricted, unlimited, irrevocable, perpetual, non-exclusive, transferable, royalty-free, fully-paid, worldwide right, and licence to host, use, copy, reproduce, disclose, sell, resell, publish, broadcast, retitle, archive, store, cache, publicly perform, publicly display, reformat, translate, transmit, excerpt (in whole or in part), and distribute such Contributions (including, without limitation, your image and voice) for any purpose, commercial, advertising, or otherwise, and to prepare derivative works of, or incorporate into other works, such Contributions, and grant and authorise sublicences of the foregoing. The use and distribution may occur in any media formats and through any media channels.

This licence will apply to any form, media, or technology now known or hereafter developed, and includes our use of your name, company name, and franchise name, as applicable, and any of the trademarks, service marks, trade names, logos, and personal and commercial images you provide. You waive all moral rights in your Contributions, and you warrant that moral rights have not otherwise been asserted in your Contributions.

We do not assert any ownership over your Contributions. You retain full ownership of all of your Contributions and any intellectual property rights or other proprietary rights associated with your Contributions. We are not liable for any statements or representations in your Contributions provided by you in any area on the Services. You are solely responsible for your Contributions to the Services and you expressly agree to exonerate us from any and all responsibility and to refrain from any legal action against us regarding your Contributions.

We have the right, in our sole and absolute discretion, (1) to edit, redact, or otherwise change any Contributions; (2) to re-categorise any Contributions to place them in more appropriate locations on the Services; and (3) to pre-screen or delete any Contributions at any time and for any reason, without notice. We have no obligation to monitor your Contributions.

12. GUIDELINES FOR REVIEWS

We may provide you areas on the Services to leave reviews or ratings. When posting a review, you must comply with the following criteria: (1) you should have firsthand experience with the person/entity being reviewed; (2) your reviews should not contain offensive profanity, or abusive, racist, offensive, or hateful language; (3) your reviews should not contain discriminatory references based on religion, race, gender, national origin, age, marital status, sexual orientation, or disability; (4) your reviews should not contain references to illegal activity; (5) you should not be affiliated with competitors if posting negative reviews; (6) you should not make any conclusions as to the legality of conduct; (7) you may not post any false or misleading statements; and (8) you may not organise a campaign encouraging others to post reviews, whether positive or negative.

We may accept, reject, or remove reviews in our sole discretion. We have absolutely no obligation to screen reviews or to delete reviews, even if anyone considers reviews objectionable or inaccurate. Reviews are not endorsed by us, and do not necessarily represent our opinions or the views of any of our affiliates or partners. We do not assume liability for any review or for any claims, liabilities, or losses resulting from any review. By posting a review, you hereby grant to us a perpetual, non-exclusive, worldwide, royalty-free, fully paid, assignable, and sublicensable right and licence to reproduce, modify, translate, transmit by any means, display, perform, and/or distribute all content relating to review.

13. SOCIAL MEDIA

As part of the functionality of the Services, you may link your account with online accounts you have with third-party service providers (each such account, a 'Third-Party Account') by either: (1) providing your Third-Party Account login information through the Services; or (2) allowing us to access your Third-Party Account, as is permitted under the applicable terms and conditions that govern your use of each Third-Party Account. You represent and warrant that you are entitled to disclose your Third-Party Account login information to us and/or grant us access to your Third-Party Account, without breach by you of any of the terms and conditions that govern your use of the applicable Third-Party Account, and without obligating us to pay any fees or making us subject to any usage limitations imposed by the third-party service provider of the Third-Party Account. By granting us access to any Third-Party Accounts, you understand that (1) we may access, make available, and store (if applicable) any content that you have provided to and stored in your Third-Party Account (the 'Social Network Content') so that it is available on and through the Services via your account, including without limitation any friend lists and (2) we may submit to and receive from your Third-Party Account additional information to the extent you are notified when you link your account with the Third-Party Account. Depending on the Third-Party Accounts you choose and subject to the privacy settings that you have set in such Third-Party Accounts, personally identifiable information that you post to your Third-Party Accounts may be available on and through your account on the Services. Please note that if a Third-Party Account or associated service becomes unavailable or our access to such Third-Party Account is terminated by the third-party service provider, then Social Network Content may no longer be available on and through the Services. You will have the ability to disable the connection between your account on the Services and your Third-Party Accounts at any time. PLEASE NOTE THAT YOUR RELATIONSHIP WITH THE THIRD-PARTY SERVICE PROVIDERS ASSOCIATED WITH YOUR THIRD-PARTY ACCOUNTS IS GOVERNED SOLELY BY YOUR AGREEMENT(S) WITH SUCH THIRD-PARTY SERVICE PROVIDERS. We make no effort to review any Social Network Content for any purpose, including but not limited to, for accuracy, legality, or non-infringement, and we are not responsible for any Social Network Content. You acknowledge and agree that we may access your email address book associated with a Third-Party Account and your contacts list stored on your mobile device or tablet computer solely for purposes of identifying and informing you of those contacts who have also registered to use the Services. You can deactivate the connection between the Services and your Third-Party Account by contacting us using the contact information below or through your account settings (if applicable). We will attempt to delete any information stored on our servers that was obtained through such Third-Party Account, except the username and profile picture that become associated with your account.

14. THIRD-PARTY WEBSITES AND CONTENT

The Services may contain (or you may be sent via the Site) links to other websites ('Third-Party Websites') as well as articles, photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software, and other content or items belonging to or originating from third parties ('Third-Party Content'). Such Third-Party Websites and Third-Party Content are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third-Party Websites accessed through the Services or any Third-Party Content posted on, available through, or installed from the Services, including the content, accuracy, offensiveness, opinions, reliability, privacy practices, or other policies of or contained in the Third-Party Websites or the Third-Party Content. Inclusion of, linking to, or permitting the use or installation of any Third-Party Websites or any Third-Party Content does not imply approval or endorsement thereof by us. If you decide to leave the Services and access the Third-Party Websites or to use or install any Third-Party Content, you do so at your own risk, and you should be aware these Legal Terms no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any website to which you navigate from the Services or relating to any applications you use or install from the Services. Any purchases you make through Third-Party Websites will be through other websites and from other companies, and we take no responsibility whatsoever in relation to such purchases which are exclusively between you and the applicable third party. You agree and acknowledge that we do not endorse the products or services offered on Third-Party Websites and you shall hold us blameless from any harm caused by your purchase of such products or services. Additionally, you shall hold us blameless from any losses sustained by you or harm caused to you relating to or resulting in any way from any Third-Party Content or any contact with Third-Party Websites.

15. SERVICES MANAGEMENT

We reserve the right, but not the obligation, to: (1) monitor the Services for violations of these Legal Terms; (2) take appropriate legal action against anyone who, in our sole discretion, violates the law or these Legal Terms, including without limitation, reporting such user to law enforcement authorities; (3) in our sole discretion and without limitation, refuse, restrict access to, limit the availability of, or disable (to the extent technologically feasible) any of your Contributions or any portion thereof; (4) in our sole discretion and without limitation, notice, or liability, to remove from the Services or otherwise disable all files and content that are excessive in size or are in any way burdensome to our systems; and (5) otherwise manage the Services in a manner designed to protect our rights and property and to facilitate the proper functioning of the Services.

16. PRIVACY POLICY

We care about data privacy and security. Please review our Privacy Policy. By using the Services, you agree to be bound by our Privacy Policy, which is incorporated into these Legal Terms. Please be advised the Services are hosted in the United Kingdom. If you access the Services from any other region of the world with laws or other requirements governing personal data collection, use, or disclosure that differ from applicable laws in the United Kingdom, then through your continued use of the Services, you are transferring your data to the United Kingdom, and you expressly consent to have your data transferred to and processed in the United Kingdom.

17. DIGITAL MILLENNIUM COPYRIGHT ACT (DMCA) NOTICE AND POLICY

Notifications

We respect the intellectual property rights of others. If you believe that any material available on or through the Services infringes upon any copyright you own or control, please immediately notify our Designated Copyright Agent using the contact information provided below (a 'Notification'). A copy of your Notification will be sent to the person who posted or stored the material addressed in the Notification. Please be advised that pursuant to federal law you may be held liable for damages if you make material misrepresentations in a Notification. Thus, if you are not sure that material located on or linked to by the Services infringes your copyright, you should consider first contacting an attorney.

All Notifications should meet the requirements of DMCA 17 U.S.C. § 512(c)(3) and include the following information: (1) A physical or electronic signature of a person authorised to act on behalf of the owner of an exclusive right that is allegedly infringed; (2) identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works on the Services are covered by the Notification, a representative list of such works on the Services; (3) identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material; (4) information reasonably sufficient to permit us to contact the complaining party, such as an address, telephone number, and, if available, an email address at which the complaining party may be contacted; (5) a statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorised by the copyright owner, its agent, or the law; and (6) a statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorised to act on behalf of the owner of an exclusive right that is allegedly infringed upon.

Counter Notification

If you believe your own copyrighted material has been removed from the Services as a result of a mistake or misidentification, you may submit a written counter notification to [us/our Designated Copyright Agent] using the contact information provided below (a 'Counter Notification'). To be an effective Counter Notification under the DMCA, your Counter Notification must include substantially the following: (1) identification of the material that has been removed or disabled and the location at which the material appeared before it was removed or disabled; (2) a statement that you consent to the jurisdiction of the Federal District Court in which your address is located, or if your address is outside the United States, for any judicial district in which we are located; (3) a statement that you will accept service of process from the party that filed the Notification or the party's agent; (4) your name, address, and telephone number; (5) a statement under penalty of perjury that you have a good faith belief that the material in question was removed or disabled as a result of a mistake or misidentification of the material to be removed or disabled; and (6) your physical or electronic signature.

If you send us a valid, written Counter Notification meeting the requirements described above, we will restore your removed or disabled material, unless we first receive notice from the party filing the Notification informing us that such party has filed a court action to restrain you from engaging in infringing activity related to the material in question. Please note that if you materially misrepresent that the disabled or removed content was removed by mistake or misidentification, you may be liable for damages, including costs and attorney's fees. Filing a false Counter Notification constitutes perjury.

Designated Copyright Agent

18. TERM AND TERMINATION

These Terms and Conditions shall remain in full force and effect as long as you continue to use the Services. WITHOUT LIMITING ANY OTHER PROVISION OF THESE TERMS, WE RETAIN THE RIGHT, AT OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, TO RESTRICT ACCESS TO AND USE OF THE SERVICES (INCLUDING BLOCKING CERTAIN IP ADDRESSES) FOR ANY INDIVIDUAL, FOR ANY REASON OR NO REASON WHATSOEVER, INCLUDING BUT NOT LIMITED TO A VIOLATION OF ANY REPRESENTATION, WARRANTY, OR COVENANT UNDER THESE TERMS OR RELEVANT LAWS OR REGULATIONS. WE MAY, AT OUR SOLE DISCRETION, SUSPEND OR TERMINATE YOUR USE OF THE SERVICES, CLOSE YOUR ACCOUNT, OR REMOVE ANY CONTENT YOU HAVE POSTED, AT ANY TIME AND WITHOUT PRIOR WARNING.

If we suspend or terminate your account for any reason, you are prohibited from registering or creating a new account under your name, a fictitious name, or any third party’s name, even if you act on behalf of that third party. Beyond suspension or termination of your account, we reserve the right to take appropriate legal action, including but not limited to civil, criminal, or injunctive remedies.

19. MODIFICATIONS AND INTERRUPTIONS

We reserve the right to modify, change, or remove the content of the Services at any time or for any reason, in our sole discretion, without prior notice. However, we are not obligated to update any content on the Services. We also reserve the right to alter or discontinue the Services, in whole or in part, without prior notice. We are not liable to you or any third party for any modifications, pricing changes, service interruptions, or discontinuation of the Services.

We cannot guarantee continuous access to the Services. Hardware or software malfunctions, maintenance needs, or other issues may cause interruptions, delays, or errors. We retain the right to alter, suspend, discontinue, or modify the Services for any reason at any time without notifying you. You agree that we are not liable for any loss, damage, or inconvenience resulting from your inability to access or use the Services during any downtime or discontinuation. Nothing in these Terms obligates us to support, maintain, or offer corrections, updates, or releases for the Services.

20. GOVERNING LAW

These Terms are governed by the laws of England, and the United Nations Convention on Contracts for the International Sale of Goods applies explicitly. If your habitual residence is in the EU, the USA, or any of the other 62 countries party to the convention, you are also protected by the mandatory provisions of your country's laws. This allows you to file a claim to assert your consumer protection rights regarding these Terms either in England or in any country part of the convention where you reside.

21. DISPUTE RESOLUTION

Binding Arbitration

If you are a resident of the European Union, any disputes related to these Terms shall be resolved by an arbitrator appointed in accordance with the Arbitration Rules of the European Court of Arbitration, a part of the European Centre of Arbitration located in Strasbourg. The arbitration will take place in England, and the proceedings will be conducted in English. The governing law for the arbitration will be the laws of England.

If you are a resident of the United States, disputes will be settled by arbitration in the United States, with the governing law being the laws of the United States.

For residents of other countries, the arbitration process will follow the same rules as for EU residents.

Restrictions

The Parties agree that arbitration will be limited to the dispute between the Parties individually. To the maximum extent permitted by law, (a) no arbitration will be combined with any other proceeding; (b) no arbitration will be conducted on a class action basis or use class action procedures; and (c) no arbitration will proceed on behalf of the general public or any other individuals.

Exceptions to Arbitration

The Parties agree that the following disputes are exempt from the arbitration provisions: (a) disputes concerning the enforcement or validity of any intellectual property rights; (b) disputes arising from theft, piracy, invasion of privacy, or unauthorized use; and (c) claims for injunctive relief. If any part of this provision is deemed illegal or unenforceable, the rest remains valid, and disputes falling within the illegal portion will be decided in a competent court.

22. CORRECTIONS

Occasionally, there may be errors in the content available on the Services, including typographical mistakes, inaccuracies, or omissions, such as pricing, availability, or other information. We reserve the right to correct such errors, inaccuracies, or omissions and to update or modify the content of the Services at any time without prior notice.

23. DISCLAIMER

The Services are provided on an "as-is" and "as-available" basis. You agree that your use of the Services is at your own risk. To the fullest extent allowed by law, we disclaim all warranties, express or implied, regarding the Services and your use of them, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We make no representations about the accuracy or completeness of the Services' content or any third-party websites or mobile applications linked to the Services and assume no liability for (1) errors or inaccuracies in content or materials, (2) personal injury or property damage, (3) unauthorized access to our servers or any personal or financial data stored there, (4) any service interruptions, (5) transmission of bugs or viruses, or (6) any errors or omissions in the content that result in loss or damage.

24. LIMITATIONS OF LIABILITY

We and our directors, employees, or agents are not liable to you or any third party for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of the Services, even if we were advised of the potential for such damages. Regardless of anything to the contrary in these Terms, our liability to you will be limited to the amount paid by you for the Services during the six (6) months prior to the occurrence of the cause of action. Certain laws may not allow limitations on warranties or damages, so in those jurisdictions, you may have additional rights.

25. INDEMNIFICATION

You agree to defend, indemnify, and hold us harmless, including our affiliates and employees, from any loss, damage, liability, claim, or demand arising from: (1) your contributions to the Services, (2) your use of the Services, (3) your breach of these Terms, (4) your violation of third-party rights, or (5) any harmful acts towards other users. We reserve the right, at your expense, to take control of any defense related to such claims, and you agree to cooperate with us in defending such claims.

26. USER DATA

We will maintain certain data you transmit to the Services for managing the performance of the Services and data related to your usage. While we conduct regular backups, you are solely responsible for all data transmitted or related to your activities on the Services. We are not liable for any loss or corruption of this data and you waive any rights to claim damages arising from such data loss.

27. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES

By visiting the Services, sending us emails, and completing online forms, you consent to electronic communications. You agree that all notices, disclosures, agreements, and other communications we send to you electronically satisfy any legal requirements that such communications be in writing. You also consent to the use of electronic signatures and contracts, and agree to receive electronic notices and records of transactions conducted through the Services.

28. CALIFORNIA USERS AND RESIDENTS

If you have unresolved complaints with us, you can contact the Complaint Assistance Unit of the Division of Consumer Services, California Department of Consumer Affairs, in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834 or by phone at (800) 952-5210 or (916) 445-1254.

29. MISCELLANEOUS

These Legal Terms and any policies or operating rules posted by us on the Services or in respect to the Services constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Legal Terms shall not operate as a waiver of such right or provision. These Legal Terms operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of a provision of these Legal Terms is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Legal Terms and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment or agency relationship created between you and us as a result of these Legal Terms or use of the Services. You agree that these Legal Terms will not be construed against us by virtue of having drafted them. You hereby waive any and all defences you may have based on the electronic form of these Legal Terms and the lack of signing by the parties hereto to execute these Legal Terms.

30. CONTACT US

In order to resolve a complaint regarding the Services or to receive further information regarding use of the Services, please contact us at:

© 2025 Finexura.