Version published: 1.1.
Date published: October 15, 2023

Welcome to Finhost!

These Website Terms of Use (“Terms of Use” or simply “Terms”) govern your access and use of our Website, located at https://finhost.io/ (the “Website”), and any products, services, content, features, or functionality offered by us through the Website.

Please read these Terms carefully before using our Website. By accessing and using this Website, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Website. As a proof of your acceptance of these Terms of Use, we reserve the right to  request you to take an affirmative action, such as checking a checkbox, to demonstrate your consent to these Terms of Use.

Docode Development OÜ, having its registered address at Sakala tn 7-2, 10141, Tallinn, the Republic of Estonia, is the authorized and sole owner of Finhost (“We”, “Us”, “Our”, “Finhost”). We reserve the right to modify these Terms of Use at our discretion and without prior notice, with changes taking effect upon their publication on the Website. We will make our best efforts to inform users about these changes. For this, we will post the respective notification on the Website and reserve the right to contract You by email, if deemed necessary. Your continued use of Finhost constitutes your acceptance of the updated Terms of Use.

SCOPE OF SERVICES

The purpose of the Website is to provide Users with insights into the offerings of Finhost, which include, but are not limited to, digital banking solutions such as digital white-label banking platforms, digital core banking software, corporate banking software, and more (referred to as “Products”). Additionally, the Website offers services such as software customization for Products, technical support for Products, and further development services for Products (referred to as “Services”). Users are free to explore the Website and to purchase the available Products or Services. However, it is crucial to emphasize that under no circumstances should you employ our Products, Services or Website for any unlawful activities, nor should you infringe upon any laws in your jurisdiction, including but not limited to copyright laws, or the laws of Estonia.

At Finhost, we like to keep things fresh and current. That means, on occasion, we may introduce new services and products, or make updates and improvements to our existing offerings posted on the Website. Finhost also retains the right to discontinue or cease offering any of the aforementioned services and products. You acknowledge, accept, and agree that Finhost will not be held responsible for any such updates, modifications, revisions, suspensions, or discontinuations of its products or services.
Please be informed that your continued use of our services and products, following the posting of any updates, changes, or modifications on the Website, constitutes your acceptance of such alterations. Therefore, we recommend that you regularly review the Website and these Terms to stay informed about the current state of things around our service, products and their offerings.

SCOPE OF LICENSE

You may use the Website for personal, noncommercial purposes, as long as you have not received written consent from us indicating otherwise. Unless we’ve given you explicit permission, you cannot reproduce, duplicate, copy, sell, resell, reverse-engineer, or exploit the Website for any commercial purposes. We retain the right to modify or discontinue the Website at our discretion, either in part or in full, at any time.

By using the Website, Products, and/or Services, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, and revocable license to run the Website on your device. This license is exclusively for using the features and functions available on the Website, including any content like images, text, graphics, sounds, data, links, and other materials integrated into the Website.

You should not rent, lease, lend, sell, redistribute, or sublicense the Products and/or Services. It’s also not allowed to copy, decompile, reverse engineer, disassemble, or attempt to extract any part of the Products and or Services, or any portion of the Website, or create derivative works from any part of the Website, Products or Services without our prior written consent.

Any attempt to do so would infringe upon our rights as the Licensor, and in case of such a breach, you may face legal action and be liable for damages.

INTELLECTUAL PROPERTY

All intellectual property rights on the Website, including but not limited to materials protected by copyright, trademark, or patent laws, are either owned by Us or licensed to Us. This includes, without limitation, trade marks, service marks, trade names, and Products and Services that are owned, registered, and/or licensed by Us. All content on the Website, except for personal data, such as text, designs, graphics, photos, sounds, music, videos, applications, interactive features, and any other content (collectively referred to as the “Content”), that has been created or developed by Us is our exclusive intellectual property. All rights to the intellectual property mentioned in this clause are fully reserved. No licenses or rights are granted to You, either explicitly or implicitly, under any intellectual property right controlled or owned by Us, or by the respective owners (licensors) of any associated intellectual property, except for the permissions and rights expressly granted in these Terms of Use. Any content or materials contributed by users to the Website may be subject to their own intellectual property rights, but by contributing such content, users grant Us a non-exclusive, worldwide, royalty-free license to use, reproduce, adapt, publish, translate, and distribute such content within the scope of the Website’s intended functionality.

PRIVACY 

Your privacy is important to us. This clause outlines the basic principles governing the collection, use, and protection of your personal information when you access or use the Website, our Product or Services. For detailed information regarding the privacy practices, please refer to our Privacy Policy.

We may collect certain information about you when you use the Website. This information may include, but is not limited to, personal information, device information, and usage data. The collection of this information is essential for improving your use of the Website and ensuring your secure and personalized user experience.

The information collected may be used for various purposes, including but not limited to providing and maintaining the Website, our Products or Services, monitoring usage patterns, and improving user experiences. We do not sell, share, or disclose your personal information to third parties without your consent, except as outlined in our Privacy Policy.

We employ reasonable security measures to protect your information against unauthorized access, disclosure, alteration, or destruction. While we strive to protect your personal information, please be aware that no method of online transmission or electronic storage is completely secure.

Along with these Terms of Use we may update our Privacy Policy from time to time. The most current version will always be accessible on the Website. It is your responsibility to review our Privacy Policy periodically to stay informed about how we are handling your data.

ACCURACY, COMPLETENESS, AND TIMELINESS OF INFORMATION

The information on the Website is intended to be a helpful resource, but please bear in mind that it should not be your sole basis for important decisions. We recommend that you contact our devoted customer support team at support@finhost.io and seek guidance from more reliable, thorough, and current sources of information.Your peace of mind is important to us!

By accessing and using the Website, you acknowledge and agree that you do so at your own risk. We do not guarantee the accuracy, completeness, or suitability of the information provided on the Website, and we are not liable for any consequences resulting from your use of the Website or reliance on its content. 

In terms of keeping you informed, we reserve the right to adjust the contents of Our Website without prior notice, though we are not obligated to regularly update the information. We trust you to keep an eye on any changes, and we will make every effort to communicate updates via email.

When it comes to the Website, Services, and Products, we may introduce functional, procedural, or technical improvements at any time, and while we have the flexibility to adjust, add, or remove specific features, we do so with the aim of enhancing your experience.

UNAUTHORIZED USE

Users of the Website, our Products and/or Services are prohibited from engaging in any unauthorized or unlawful activities, which include but are not limited to:

– Users shall not attempt to access, circumvent, or manipulate any security or access control mechanisms to gain unauthorized access to restricted or non-public areas of the Website. 

– Users shall not attempt to access, use, or tamper with another user’s account, personal information, or data without their express permission. 

– Users shall not engage in data scraping, data mining, automated data collection, or any form of data extraction from the Website, our Products and/or Services without our explicit written consent. 

– Users shall not engage in any activities that may disrupt, damage, compromise, or interfere with the integrity, security, or functionality of the Website, its servers, software, or network as well as integrity, security, or functionality of Products and/or Services. 

– Users shall not use, reproduce, modify, distribute, or publicly display any content, including text, images, graphics, trademarks, or other materials on this Website, without obtaining the necessary rights, licenses, or permissions. Unauthorized use of our intellectual property is strictly prohibited.

– Users shall not impersonate another person or entity, or falsely represent their affiliation with any person or entity when using the Website, Products and/or Services.

– Users shall not post, share, or transmit any content that is illegal, infringing, defamatory, harmful, obscene, or objectionable, or content that violates any applicable laws, regulations, or ethical standards.

– Users shall provide only accurate and truthful information about themselves when creating accounts, profiles, or engaging in any other activity that requires user identification. Providing false or misleading information is strictly prohibited.

– Users shall not use the Website for any commercial or advertising purposes without our prior written consent. Commercial use includes, but is not limited to, promotional activities, advertising, or engaging in e-commerce activities without our authorization.

– Users shall not attempt to access, collect, or use personal information of other users without their explicit consent. This includes but is not limited to email addresses, phone numbers, or any personally identifiable information.

We reserve the right to investigate and take appropriate legal action against individuals or entities who engage in unauthorized use of the Website. Unauthorized use may result in the suspension or termination of user accounts, as well as civil or criminal liability under applicable laws.

If you become aware of any unauthorized use of the Website or suspect a violation of these Terms of Use, please promptly report it to us by sending email to: support@finhost.io. We take all reports seriously and will take appropriate action as necessary.

MODIFICATIONS

We reserve the right, at our discretion, to temporarily or permanently modify, suspend, or discontinue the Website, Products and/or Services, or any part thereof, without prior notice. Periodically, we may restrict access to the Website, Products and/or Services for maintenance and updates as we see fit. You acknowledge and agree that we shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Website, Products, Services or associated content. We are not responsible for any service outage resulting from failures or connectivity problems related to a User’s third-party data centers, internet service providers (ISP), or a User’s preferred ISP’s servers, routers, networks, and related components.

FEEDBACK, AND OTHER SUBMISSIONS

By submitting creative ideas, suggestions, proposals, plans, or other materials to us via email (collectively referred to as “Feedback”), you consent to our unrestricted right to edit, copy, publish, distribute, translate, and utilize your Feedback in any medium at our discretion.

Please note that we are not obligated to: i) keep your Feedback confidential; ii) provide compensation for your Feedback; iii) respond to your Feedback.

You also affirm that your Feedback will not infringe upon the rights of any third party, including copyrights, trademarks, privacy, or any other personal or proprietary rights. Furthermore, your Feedback must not include defamatory, illegal, abusive, or obscene content, nor any computer viruses or malware that could disrupt the operation of our site. You are prohibited from using a false email address, impersonating someone else, or misleading us or third parties regarding the origin of your Feedback.

DISCLAIMER

We provide our Website, Products and Services on an “AS IS” basis. This means that you understand and accept that the use of our Website, Products and Services or any of our offerings is at your sole risk. We do not make any representations or warranties, whether explicit or implied, regarding the quality, reliability, accuracy, completeness, suitability, or availability of the Website, Products or Services.
We shall not assume any responsibility or obligation for the following, without limitation: i) we do not guarantee that the Website, Products or Services will be available at all times or that they will be provided in a timely manner; ii) we do not guarantee the delivery of content, communications, or user content and accept no responsibility for any missed deliveries; iii) we are not responsible for the deletion of user content or personalization settings; iv) we do not guarantee the storage of user content, communication, or personalization settings.  

We cannot and do not accept any liability for any activities you may undertake through using the Website, Products, Services or any of our offerings.
Please be aware that the Website may not be available in all languages or countries. We make no representation that the functionality of the Website, Services, or Products would be appropriate, accurate, or available for use in any particular location.
We disclaim all responsibility and undertake no liability or warranty, express or implied, except as expressly provided herein, for information and data that you or any third party provides to or through the Website, including its processing, use, and any associated outcomes. Your provision of such information and data constitutes your express permission for its use in connection with your use of the Website, Products or Services.
This disclaimer constitutes an essential part of these Terms of Use and applies to all aspects of your interactions with the Website, Products or Services.

LIMITATION OF LIABILITY

To the fullest extent permitted by applicable law, Finhost and its officers, directors, employees, agents, affiliates, and partners shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages, including but not limited to damages for loss of profits, goodwill, use, data, or other intangible losses, resulting from: i) the use or inability to use the Website, Products or Services; ii) unauthorized access to or alteration of your data; iii) statements or conduct of any third party on our Website; iv) any other matter relating to the Website, Products or Services.
In no event shall our total liability for all claims related to the Website, Products or Services exceed the 10% of total amount you have paid to us, if any, for accessing and using our the Website, Products or Services during the 6 (six) months immediately preceding the event giving rise to such liability. In no event we shall be liable for any damages resulting from the actions or omissions of third-party providers or third-party services.
Some jurisdictions do not allow the exclusion or limitation of certain types of damages or liability, so some of the above limitations may not apply to you. In such cases, our liability will be limited to the fullest extent permitted by applicable law.

TERMINATION

These Terms of Use are effective until terminated by either You or Us. You may terminate these Terms of Use at any time, provided that You discontinue any further use of the Site.

We may, in Our sole discretion, terminate these Terms of Use at any time and for any reason, without penalty or liability to You or any third party. In the event of Your breach of these Terms of Use, these actions are in addition to and not in lieu or limitation of any other right or remedy that may be available to Us. The following provisions survive the expiration or termination of these Terms of Use for any reason whatsoever: Intellectual Property, Disclaimer, Limitation of liability, Choice of Law and Dispute Resolution, Entire Agreement, and Severability. 

DISPUTE RESOLUTION AND GOVERNING LAW

These Terms of Use shall be construed and governed by the laws of the Republic of Estonia.
In the event of any dispute or claim related to your use of the Website, Products or Service both you and Finhost (the “parties”) agree to make reasonable efforts to resolve the matter informally by means of friendly negotiations and seek an amicable resolution.
If an informal resolution is unsuccessful, both parties agree to submit to mediation by a mutually agreed-upon mediator or mediation service based in Tallinn, Estonia. Mediation costs will be shared equally between the parties.
Should mediation fail to resolve the dispute, parties consent to the exclusive jurisdiction of the courts of the Republic of Estonia to resolve the dispute.

ENTIRE AGREEMENT

This Website Terms of Use constitute the entire agreement between you and Finhost and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, whether written or oral, regarding the subject matter herein.

SEVERABILITY

If any of the provisions of these Terms of Use are held to be not enforceable by a court or other tribunal of competent jurisdiction, then such provisions shall be amended, limited, or eliminated to the minimum extent necessary so that these Terms of Use shall otherwise remain in full force and effect.

ASSIGNABILITY

Neither you nor Finhost shall have the right to assign, transfer, or delegate any of their rights, duties, or obligations under these Terms of Use without the prior written consent of the other party. Any attempted assignment or transfer in violation of this provision shall be null and void. Notwithstanding the foregoing, Finhost may assign these Terms of Use, in whole or in part, to any affiliate, subsidiary, or successor entity, or in connection with a merger or corporate restructuring process to ensure a seamless transition of its responsibilities and obligations.

NOTICES AND ELECTRONIC COMMUNICATION

Any notification or other correspondence in accordance with these Terms of Use must be in written form and shall be deemed as sent and received upon transmission via email.The language of communication shall be English.

CONTACT US 

You may maintain your collaboration with Finhost following your visit to the Website. If you desire to acquire any of our Products or Services, please send your request via email to support@finhost.io.
By completing the contact form or sending a message to support@finhost.io, you affirm that you are 18 years of age or older and possess the requisite authority to engage in cooperation with Finhost.
You also agree to receive notifications pertaining to these Terms of Use through email delivery. Any notifications directed to us concerning these Terms of Use should be sent via email to support@finhost.io.

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