Terms & Conditions

GENERAL

These Terms of Use (the "Terms") govern your ("You" or "User") access to and use of the website located at https://ifindbanks.com (the "Website"), operated by Finreferra Ltd. ("Company," "We," "Us," or "Our").

These Terms constitute a legally binding agreement between You and Us. By accessing or using the Website, You acknowledge that You have read, understood, and agree to be bound by these Terms. If You disagree with any provision of these Terms, You are prohibited from using the Website and must immediately cease all use.

We reserve the right to update or modify these Terms at any time. Your continued use of the Website following the posting of any revised Terms constitutes Your acceptance of the revised Terms.

Certain sections of the Website may be subject to additional terms and conditions specified elsewhere on the Website. In the event of any conflict between these Terms and any additional terms and conditions, these Terms shall govern.

These Terms incorporate Our Privacy Policy. By agreeing to these Terms, You confirm that You also accept and agree to Our Privacy Policy (You can review our Privacy Policy by clicking here).

ELIGIBILITY

You must be at least eighteen (18) years of age to access or use the Website. By accessing or using the Website, You represent and warrant that You are of legal age to enter into a binding agreement.

You must have the legal right, authority, and capacity to enter into these Terms and to abide by all of the terms and conditions set forth herein.

You may not access or use the Website if such access or use is prohibited by the laws of the country in which You reside or are located while accessing or using the Website.

PROHIBITED ACTIVITIES

1. You agree to use the Website in a respectful manner and refrain from the following activities:

1.1. Uploading, downloading, distributing, publishing, or transmitting any information or material that:

Violates any rights, including intellectual property rights, privacy rights, or any other legal right.
Constitutes a threat, harm, insult, slander, defamation, racism, or inappropriate content.
Includes a virus or other software that may damage our computer systems or those of third parties, or that restricts or prevents others from using the Website.
Violates any applicable law.
Functions as an advertisement of any kind without our prior written permission.

1.2. Deleting or modifying any attributions, legal notices, or other proprietary designations or labels on the Website.

1.3. Interfering with other Users' use of the Website.

1.4. Engaging in "framing," "mirroring," or otherwise simulating the appearance or function of the Website.

1.5. Using bots or other automated methods to access or use the Website.

1.6. Uploading or transmitting (or attempting to upload or transmit) any material that acts as a passive or active information collection or transmission mechanism, including, without limitation, web bugs, cookies, or other similarspyware devices, without our express permission.

1.7. Violating any applicable laws or regulations, or encouraging or promoting any illegal activity, including, but not limited to, copyright infringement, trademark infringement, defamation, invasion of privacy, identity theft, hacking, cracking, or distribution of counterfeit software.

1.8. Making any changes or interfering in any way with the source code of the Website, or uploading any software or application that may harm or cause damage to us, the Website, or any other third party.

1.9. Disassembling, decompiling, or otherwise reverse engineering any software or other technology included or used in the Website.

1.10. Encouraging or inducing any other person to engage in any of the activities prohibited under this Section.

. We reserve the right to take any action we deem appropriate to protect our property or rights, or the rights of third parties, if we believe your use of the Website does not comply with these Terms or any applicable law. This may include, but is not limited to, tracking your use of the Website, preventing you from accessing the Website, and disclosing your behavior patterns on the Website to third parties.

INTELLECTUAL PROPERTY RIGHTS

The Website and its content, including video materials, text, photos, logos, any graphical display of data, designs, sound, figures, analysis, statistics, trademarks, and any other content embodied within the Website (collectively, the "Content"), are protected by our intellectual property rights or the intellectual property rights of third parties.

As between you and us, we retain all right, title, and interest in and to the Website and the Content. Your use of the Website does not grant you any ownership rights in the Content or the Website, other than the limited right to use the Website in accordance with these Terms.

You are expressly prohibited from, and you shall not permit any third party to:

Modify, decompile, disassemble, reverse engineer, copy, transfer, create derivative works from, rent, sub-license, distribute, reproduce, frame, republish, scrape, download, display, transmit, post, lease, or sell the Content, in whole or in part, in any form or by any means.
Use the Content for any purpose other than your limited right to use the Website pursuant to these Terms.
Exploit any of the Content without our prior written consent.

We reserve all rights not expressly granted to you in these Terms.

LIMITATIONS OF LIABILITY

Your use of the Website is at your sole risk. We disclaim all warranties, express or implied, in connection with the Website and your use thereof. This includes, but is not limited to, implied warranties of merchantability, title, fitness for a particular purpose, non-infringement, usefulness, authority, accuracy, completeness, and timeliness. The Website, including all content and functionalities made available on or accessed through or sent from the Website, is provided "as is," "as available," and "with all faults."

We assume no liability or responsibility for any of the following:

Errors, mistakes, or inaccuracies of any content included on the Website.
Interruption or cessation of transmission to or from the Website.
Bugs, viruses, Trojan horses, or similar malware transmitted to or through the Website by any third party.
You agree to hold us harmless for any losses caused, directly or indirectly, to you or any other third party with respect to the Website. You shall bear sole responsibility for any decisions made based on the content of the Website.

IN NO EVENT SHALL WE BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY SPECIAL, DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES WHATSOEVER, INCLUDING ANY LOST PROFITS OR LOST DATA ARISING FROM YOUR USE OF THE WEBSITE OR OTHER MATERIALS ON, ACCESSED THROUGH, OR DOWNLOADED FROM THE WEBSITE. THIS APPLIES REGARDLESS OF THE LEGAL THEORY UNDERLYING THE CLAIM, WHETHER BASED IN WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

We are not responsible for any problems or technical malfunctions of any telephone or network lines, computer online systems, servers or providers, hardware, software, failure due to technical problems or traffic congestion on the internet (or inaccessibility of the internet), or incompatibility between the Website and your browser or other equipment. Without derogating from the above, we do not assume any responsibility or risk for your use of the internet.

THIRD PARTY SERVICES AND CONTENT

During your use of the Website, you may encounter content or services provided by third parties, including advertisements. This content and these services are provided solely by such third parties and are not under our control.

We do not control, endorse, or adopt any third-party content or services offered on the Website. Additionally, the accuracy and timeliness of such content and services are not guaranteed by us.

You acknowledge and agree that all content provided by third parties is not provided by us or on our behalf. We recommend that you independently verify all information obtained from third-party sources before relying on it. You shall bear sole responsibility for any decisions or actions taken based on such information.

LINKS

The Website may contain links, content, advertisements, promotions, logos, and other materials that lead to platforms,websites, or software controlled or offered by third parties ("Links"). We provide these Links solely as a convenience and do not endorse, authorize, sponsor, or have any affiliation with the linked websites, platforms, software, or their operators.

You are solely responsible for understanding the risks associated with using third-party websites, platforms, or software before accessing, using, relying on, or purchasing anything through them. We recommend you exercise caution and conduct your own due diligence before interacting with any third-party content, goods, or services.

UNDER NO CIRCUMSTANCES WILL WE BE HELD LIABLE FOR ANY LOSS OR DAMAGE ARISING FROM YOUR USE OR RELIANCE ON ANY CONTENT, GOODS, OR SERVICES AVAILABLE ON OTHER WEBSITES, PLATFORMS, OR SOFTWARE ACCESSED THROUGH THE LINKS. You agree to hold us harmless for any such claims.

MISCELLANEOUS

We reserve the right, in our sole discretion, to amend, modify, or discontinue any part of the Website at any time. We shall not be liable for any loss you suffer as a result of these changes, and you shall have no claims against us in this regard.

These Terms may be modified by us from time to time. We will notify you of any changes by publishing the most current version and revising the date at the top of this page. All modifications shall be effective immediately upon such publication. Your continued use of the Website after any changes come into effect constitutes your acceptance of the revised Terms.

These Terms and the Privacy Policy, as amended from time to time, constitute the entire agreement between you and us regarding your use of the Website. No other representations, promises, consents, or undertakings, whether written or oral, not included in these Terms or the Privacy Policy, shall be binding on the parties.

These Terms and the relationship between you and us shall be governed by and construed and interpreted in accordance with the laws of Cyprus. You irrevocably submit to the exclusive jurisdiction of the competent courts of Paphos, Cyprus, for any dispute arising out of or relating to the validity, breach, interpretation, performance, or any other aspect of these Terms or your relationship with us.

Our failure or delay in exercising any right, power, or remedy under these Terms shall not operate as a waiver of that right, power, or remedy. Additionally, no single or partial exercise of any such right, power, or remedy shall preclude any other or further exercise of that right, power, or remedy, or the exercise of any other right, power, or remedy.

If any provision of these Terms is held to be unenforceable under applicable law by a court of competent jurisdiction, such provision shall be struck from these Terms, and the remaining provisions shall be interpreted as if such provision were excluded, and shall be enforceable in accordance with their terms. However, in such an event, these Terms shall be interpreted to give effect, to the greatest extent consistent with and permitted by applicable law, to the meaning and intentof the excluded provision as determined by such court of competent jurisdiction.

We may transfer or assign any or all of our rights and obligations hereunder to any third party. You may not transfer, assign, or pledge any of your rights or obligations under these Terms. The Website may also be operated by third parties.