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Revolutionising Finance, One Innovation at a Time

Join us on this exhilarating journey as we transform the way the world interacts with money, making financial services smarter, faster, and more accessible for everyone.

Website Terms & Conditions

Effective: March 11, 2024

Welcome to fintechio.com (our Website).

We are so pleased to welcome you as part of our online user community, and we hope that you will enjoy the content available on our Website (our Online Services).

Below is an outline of Website-related terms and conditions (T&Cs). These apply every time you use the Website, and are in place in order to ensure that your Website experience is as smooth as possible. Please read these T&Cs carefully as you use our Online Services, and be aware that they may be subjects to updates, with or without notice to you. If you do not agree with the T&Cs, please do not use the Website or the Online Services.

Online Services

Our Website provides you with a wide range of Online Services: text, images, graphics and other similar content, as well as other documents related to our products (Content).

By using the Website or the Content, you agree to follow and be bound by these T&Cs.

We reserve the right to modify the Website or the Content at any time, with or without notice to you. Functionalities and features may be added, removed or modified, and we reserve the right to charge a fee for any of our features at any time.

Access and Use of the Website or Content

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

If, at our discretion, we find that you have behaved inappropriately, we retain the right to cease providing or restrict access to the Website or any Content, forbid your use of the Website, and pursue appropriate legal action. We will not be held liable to you or any third party for any termination or restriction of your access to or use of the Website or any Content.

Intellectual Property

Unless stated otherwise, FintechIO holds the copyright for the Website and its Content. Some Content may be copyrighted by third parties or the entities they represent and is included on our Website under license or agreement.

Using our Website does not grant you ownership of any intellectual property rights to the Content or any part of the Website you access. You may not use, alter, or republish the Content in any way unless you have obtained permission from us or its owner, or unless otherwise permitted by law.

If you intend to reproduce or use the Content in any manner, it is your responsibility to obtain the necessary approval. Any copyright infringement or unauthorised use of the Content entitles FintechIO to pursue all available legal and equitable remedies for violating these terms and conditions.

FintechIO and/or its licensors, where applicable, retain ownership of all proprietary rights in the Content displayed on or through the Website, as well as in all associated names, logos, trademarks, service marks, and domain names. You agree not to take any action that contradicts FintechIO’s ownership of the Content, and any benefits derived from using them shall automatically belong to the owner.

Third-Party Websites, Content, Products and Services

The Website may contain features that interact with specific third-party social networking platforms you visit, such as Facebook, Instagram, YouTube, Vimeo, and Twitter (Social Media Features). Although your use of these Social Media Features is subject to these Terms and Conditions, your access to and use of third-party social media platforms and their services are governed by the terms of use and other agreements posted on those platforms.

FintechIO is not liable for third-party products and services offered on or through the Website, and you assume all risks associated with accessing and using such third-party websites and their products and services.

If things go wrong

We make every effort to provide a commercially reasonable level of care and strive to ensure your enjoyment of our Website and the Content we provide. However, there are limitations to what we can guarantee.

EXCEPT AS EXPRESSLY STATED IN THESE TERMS AND CONDITIONS, THE WEBSITE AND ALL CONTENT PROVIDED ON OR THROUGH THE WEBSITE ARE OFFERED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY EXPRESS OR IMPLIED WARRANTIES OR CONDITIONS OF ANY KIND. THIS INCLUDES, WITHOUT LIMITATION, ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT, WHETHER ARISING UNDER LAW, USAGE, OR TRADE. THE CONTENT ON OUR WEBSITE IS OFFERED FOR GENERAL INFORMATION ONLY AND SHOULD NOT BE RELIED UPON AS ADVICE.

ANY CONTENT ACCESSED, DOWNLOADED, OR OTHERWISE OBTAINED THROUGH THE USE OF THE WEBSITE IS AT YOUR OWN DISCRETION AND RISK. FINTECHIO IS NOT RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA RESULTING FROM THE DOWNLOAD OR USE OF CONTENT.

Governing Law

The rules governing your access to and utilisation of the Website, as well as the Content available on or uploaded to the Website, are subject to English law. By using the Website, you consent to the sole jurisdiction of the English courts in any legal action or proceeding related to such matters.

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.

The best way to get in touch with us is here. We are more than happy to answer your questions, concerns, and to receive feedback about our Website and Content.

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We use cookies to personalise content and ads, to provide social media features and to analyse our traffic. We also share information about your use of our site with our social media, advertising and analytics partners.
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Privacy Policy

What information do we collect?

We collect information from you when you register on our site or place an order. When ordering or registering on our site, as appropriate, you may be asked to enter your: name, e-mail address or mailing address.

What do we use your information for?

Any of the information we collect from you may be used in one of the following ways: To personalize your experience (your information helps us to better respond to your individual needs) To improve our website (we continually strive to improve our website offerings based on the information and feedback we receive from you) To improve customer service (your information helps us to more effectively respond to your customer service requests and support needs) To process transactions Your information, whether public or private, will not be sold, exchanged, transferred, or given to any other company for any reason whatsoever, without your consent, other than for the express purpose of delivering the purchased product or service requested. To administer a contest, promotion, survey or other site feature To send periodic emails The email address you provide for order processing, will only be used to send you information and updates pertaining to your order.

How do we protect your information?

We implement a variety of security measures to maintain the safety of your personal information when you place an order or enter, submit, or access your personal information. We offer the use of a secure server. All supplied sensitive/credit information is transmitted via Secure Socket Layer (SSL) technology and then encrypted into our Payment gateway providers database only to be accessible by those authorized with special access rights to such systems, and are required to?keep the information confidential. After a transaction, your private information (credit cards, social security numbers, financials, etc.) will not be kept on file for more than 60 days.

Do we use cookies?

Yes (Cookies are small files that a site or its service provider transfers to your computers hard drive through your Web browser (if you allow) that enables the sites or service providers systems to recognize your browser and capture and remember certain information We use cookies to help us remember and process the items in your shopping cart, understand and save your preferences for future visits, keep track of advertisements and compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future. We may contract with third-party service providers to assist us in better understanding our site visitors. These service providers are not permitted to use the information collected on our behalf except to help us conduct and improve our business. If you prefer, you can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies via your browser settings. Like most websites, if you turn your cookies off, some of our services may not function properly. However, you can still place orders by contacting customer service. Google Analytics We use Google Analytics on our sites for anonymous reporting of site usage and for advertising on the site. If you would like to opt-out of Google Analytics monitoring your behaviour on our sites please use this link (https://tools.google.com/dlpage/gaoptout/)

Do we disclose any information to outside parties?

We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Registration

The minimum information we need to register you is your name, email address and a password. We will ask you more questions for different services, including sales promotions. Unless we say otherwise, you have to answer all the registration questions. We may also ask some other, voluntary questions during registration for certain services (for example, professional networks) so we can gain a clearer understanding of who you are. This also allows us to personalise services for you. To assist us in our marketing, in addition to the data that you provide to us if you register, we may also obtain data from trusted third parties to help us understand what you might be interested in. This ‘profiling’ information is produced from a variety of sources, including publicly available data (such as the electoral roll) or from sources such as surveys and polls where you have given your permission for your data to be shared. You can choose not to have such data shared with the Guardian from these sources by logging into your account and changing the settings in the privacy section. After you have registered, and with your permission, we may send you emails we think may interest you. Newsletters may be personalised based on what you have been reading on theguardian.com. At any time you can decide not to receive these emails and will be able to ‘unsubscribe’. Logging in using social networking credentials If you log-in to our sites using a Facebook log-in, you are granting permission to Facebook to share your user details with us. This will include your name, email address, date of birth and location which will then be used to form a Guardian identity. You can also use your picture from Facebook as part of your profile. This will also allow us and Facebook to share your, networks, user ID and any other information you choose to share according to your Facebook account settings. If you remove the Guardian app from your Facebook settings, we will no longer have access to this information. If you log-in to our sites using a Google log-in, you grant permission to Google to share your user details with us. This will include your name, email address, date of birth, sex and location which we will then use to form a Guardian identity. You may use your picture from Google as part of your profile. This also allows us to share your networks, user ID and any other information you choose to share according to your Google account settings. If you remove the Guardian from your Google settings, we will no longer have access to this information. If you log-in to our sites using a twitter log-in, we receive your avatar (the small picture that appears next to your tweets) and twitter username.

Children’s Online Privacy Protection Act Compliance

We are in compliance with the requirements of COPPA (Childrens Online Privacy Protection Act), we do not collect any information from anyone under 13 years of age. Our website, products and services are all directed to people who are at least 13 years old or older.

Updating your personal information

We offer a ‘My details’ page (also known as Dashboard), where you can update your personal information at any time, and change your marketing preferences. You can get to this page from most pages on the site – simply click on the ‘My details’ link at the top of the screen when you are signed in.

Online Privacy Policy Only

This online privacy policy applies only to information collected through our website and not to information collected offline.

Your Consent

By using our site, you consent to our privacy policy.

Changes to our Privacy Policy

If we decide to change our privacy policy, we will post those changes on this page.
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