Website Terms and Conditions

Effective: Dec 10, 2021

Welcome to fintechos.com (our “Website”)! We are happy that you chose to join our user community and we hope that you will enjoy the variety of services, resources and content, available on our Website (the “Online Services”).

We really want for you to experience a journey on our Website as smooth as possible and to that end we have adopted these terms and conditions (the “T&Cs”) which apply each time a user, including you, accesses and uses the Website. So please be sure to read these T&Cs carefully each time you surf on our Website. If you do not agree to these T&Cs, please do not use the Website or the Online Services.

If you would like to know how we use your personal data, please read our Privacy Policy, which also contains our Cookie Policy.

Who we are and what we do

The Website is operated by Fintech OS SRL, which is a limited liability company registered in Romania under company number J40/14655/2017, with its registered office at 46D-46E-48 Pipera Road, Oregon Park, Building C, 2nd Floor, Bucharest. Our VAT code is RO38120136. (“FintechOS”)

Online Services

Through the Website, you have access to a variety of Online Services which include:

1. text, images, graphics, audio and video such as podcasts and webinars, and other similar content, and documents such as press releases and information related to our products (“Materials”);

1. proprietary software and related documentation (“Software”) and

1. blogs, chat areas, bulletin boards, discussion groups, and other services in connection with which you can download, share, email, post, publish, transmit or otherwise access or make available content (“Forums”).

The Online Services, Software, Materials, Forums, and other information, content and services made available on the Website are collectively referred to as “Content”.

By accessing or using the Website or the Content provided on or through the Website, you agree to follow and be bound by these T&Cs concerning your access to and use of the Website and the Content.

We reserve the right to modify the Website or the Content at any time, with or without notice to you. For example, we may add or remove functionality or features, and we may suspend or stop a particular feature altogether. We also reserve the right to charge a fee for any of our features at any time. If you don’t like any changes, you can stop using our Website at any time.

Additional Terms Applicable to Specific Content or Sections of the Website

We have added additional terms and conditions (including license and user agreements) to some sections of the Website or specific Content that will apply whenever you access or use that section of the Website or Content. Also, those terms and conditions will have precedence in case a conflict or inconsistency may appear between these T&Cs and those applicable to the section of the Website or Content that you use or access.

For example, if you wish to register to access and use our Academy program made available through that section of the Website located at https://academy.fintechos.com/, then you will need to accept the FintechOS Academy additional terms and conditions.

Access and Use of the Website or Content

Please do not use the Website or Content provided on or through the Website in a way that violates any laws, infringes on anyone’s rights or interferes with the Website or any of its features.

Even though we believe these to be common sense and you should avoid engaging in such activities, please be aware that we do not tolerate the following:

• access or use the Website or the Content in any manner that could damage, disable, overburden, or impair any of our computer systems or networks;
• attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Website, the server on which the Website is stored, or any server, computer, or database connected to the Website;

• use any robot, spider, or other automatic device, process, or means to access the Website for any purpose, including monitoring or copying any of the Content or part of the Website;
• use any manual process to monitor or copy any Content or part of the Website, or for any other purpose not expressly authorized in these T&Cs, without our prior written consent;
• introduce any viruses, trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful; and
• otherwise attempt to interfere with the proper working of the Website.

If we (in our sole discretion) determine that you have acted inappropriately, we reserve the right to discontinue providing or limit access to the Website or any Content, prohibit you from using the Website, and take appropriate legal actions. We shall not be liable to you or any third party for any termination or limitation of your access to or use of the Website or any Content.

Intellectual Property

Unless otherwise indicated, FintechOS owns copyright for the Website and the Content presented through or on the Website. Some of the copyright for the Content may be owned by third-parties or the entities they represent and is included and/or displayed on our Website under a license or agreement.

Using our Website does not give you ownership of any intellectual property rights to the Content or parts of the Website you access. You may not use, modify or republish in any way the Content unless you obtain permission from us or its owner, or unless you are otherwise permitted by law.

If you seek to reproduce or otherwise use the Content in any way, it is your responsibility to obtain approval for such use where necessary. Any breach of copyright, any unauthorized use of the Content gives FintechOS the right to seek all remedies available by law and in equity for any violation of these T&Cs.

FintechOS and/or its licensors, as applicable, retain ownership of all proprietary rights in the Content displayed on or through the Website and in all names and logos, trademarks, service marks, and domain names (“Marks”) associated or displayed on or through the Website. You undertake not take any action inconsistent with the FintechOS’s ownership of the Marks, and any benefits accruing from use of such Marks shall automatically vest in the owner.

Third-Party Websites, Content, Products and Services

The Website may include features that operate in conjunction with certain third-party social networking websites that you visit such as Facebook, Instagram, YouTube, Vimeo, and Twitter (“Social Media Features”). While your use of the Social Media Features is governed by these T&Cs, your access and use of third-party social media websites and their services is governed by the terms of use and other agreements posted on these websites.

FintechOS is not responsible for third-party products and services provided on or through the Website and you bear all risks associated with the access and use of such websites and third-party products and services.

Who is responsible if things go wrong

We employ a commercially reasonable level of care and we strive to do our best to make sure you enjoy our Website and the Content provided to you. However, there are certain things that we cannot promise.

OTHER THAN AS EXPRESSLY SET OUT IN THESE T&CS, THE WEBSITE, AND ALL CONTENT PROVIDED ON OR THROUGH THE WEBSITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY EXPRESS OR IMPLIED WARRANTIES OR CONDITIONS OF ANY KIND, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT, WHETHER ARISING BY LAW, USAGE OR TRADE. THE CONTENT ON OUR WEBSITE IS PROVIDED FOR GENERAL INFORMATION ONLY. IT IS NOT INTENDED TO AMOUNT TO ADVICE ON WHICH YOU SHOULD RELY.

ANY CONTENT ACCESSED, DOWNLOADED OR OTHERWISE OBTAINED ON OR THROUGH THE USE OF THE WEBSITE IS USED AT YOUR OWN DISCRETION AND RISK. FINTECHOS SHALL HAVE NO RESPONSIBILITY FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OR USE OF CONTENT.

Liability for our Website

IN NO EVENT SHALL FINTECHOS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES, OR DAMAGES FOR LOSS OF PROFITS, REVENUE, DATA OR USE, INCURRED BY YOU OR ANY THIRD PARTY, WHETHER IN AN ACTION IN CONTRACT OR TORT, ARISING FROM YOUR ACCESS TO, OR USE OF, THE WEBSITE OR ANY CONTENT PROVIDED ON OR THROUGH THE WEBSITE. YOU AGREE TO INDEMNIFY AND HOLD HARMLESS FINTECHOS, ITS OFFICERS, DIRECTORS, EMPLOYEES AND AGENTS FROM AND AGAINST ANY AND ALL CLAIMS, LIABILITIES, DAMAGES, LOSSES OR EXPENSES, INCLUDING REASONABLE LEGAL FEES AND COSTS, DUE TO OR ARISING OUT OF YOUR USE OF THE WEBSITE.

Privacy Policy

In some specific cases we might require you to provide us with certain personal information in order to access specific Content and/or parts of the Website (for example, when you request to book a demo of our product).

In this respect we developed a policy to address privacy concerns. For more information, please see our Privacy Policy. Any personal information collected through this Website may be processed in accordance with this Privacy Policy.

Governing Law

All matters relating to your access to, and use of, the Website and Content provided on or through or uploaded to the Website shall be governed by English law. You agree to submit to the exclusive jurisdiction of the English courts in any such legal action or proceeding.

Updating these T&Cs. We may, from time to time, update these T&Cs to reflect new or different approaches (e.g., when we add new Content or features to the Website), and we reserve the right to modify and/or make changes, in our sole discretion, to these T&Cs at any time without notice. Modifications will become effective on the day they are posted unless stated otherwise.

Your continued use of our Website after changes become effective shall mean that you accept those changes. Any revised T&Cs shall supersede all previous T&Cs.

How to Contact Us. The best way to get in touch with us is to contact our teams corpmarketing@fintechos.com. We are more than happy to answer your questions, concerns, and to receive feedback about our Website and Content.