1. Grant of rights; Restrictions on use
This Terms of Service Agreement (this “Agreement”) is entered into effective as of date of acceptance of this Agreement by clicking “I accept”. (the “Effective Date”) by and between you (hereinafter “you”, “your”) and Fintech Insights, (“Fintech Insights”). The terms “you” and “your” in uppercase or lowercase shall mean the entity (e.g., individual, company, corporation, partnership, sole proprietor, etc.) or government agency entering into this Agreement with Fintech Insights. The terms and conditions listed below govern use of the online services (the “Online Services”) and materials available therein (“Materials”) provided by Fintech Insights. YOU UNDERSTAND THAT BY CLICKING THE “I AGREE” BUTTON, YOU ARE AGREEING TO BE BOUND BY THE TERMS AND CONDITIONS OF THIS AGREEMENT.1. Grant of rights; Restrictions on use1.1 Authorized Users (defined below in Section 2.1) are granted a nonexclusive, nontransferable, limited right to access, use limited portions of the Online Services and Materials made available to you. The rights granted to are as follows:
(a) The right to use certain Online Services and Materials for research purposes only. Including, the right to copy Materials into Authorized User’s analyses, presentations, documents, and other similar forms of work or research for internal purposes only.
(b) The right to create Derived Data (defined below), and publish limited excerpts of the Data in printed or electronic documents, charts, spreadsheets, files, reports, presentations internally and for audit and regulatory purposes, consistent with your ordinary course of business. For purposes of this Agreement: “Derived Data” shall mean any information, algorithm, model, index, score or data resulting from your manipulation or analysis of the Data and/or combination with other data not provided by Fintech Insights, such that the underlying Data is not discernable as being that of Fintech Insights;
(c) For avoidance of doubt Online Services and Materials may not be used for commercial purposes and you shall not directly or indirectly, resell or commercially profit from providing the Materials or Derived Data to third parties.
1.2 Neither party shall use the name, trademarks, service marks, symbols, or logos of the other party without the express prior written consent of the other party. Additionally, under no circumstances may any Authorized User offer, sell, retransmit any part of the Online Services or Materials to any other person for commercial resale or commercial redistribution in any medium or use the Online Services or the Materials to compete with the business of Fintech Insights. You may not modify, reverse engineer, reverse assemble or reverse compile any part of the Online Services or Materials. You may not use the Online Services in any way to improve the quality of any data sold or contributed by you to any third party. Downloading and storing Materials in an archival database, decompiling, disassembling or reverse engineering the Materials is strictly prohibited;
1.3 All right, title, and interest (including all copyrights, trademarks and other intellectual property rights) in the Online Services and Materials in any medium belongs to Fintech Insights or its third party suppliers of Materials. Authorized Users do not acquire any proprietary interest in the Online Services, Materials, or copies thereof, except the limited rights granted herein.
1.4 Authorized Users may not use the Online Services or Materials in any fashion that knowingly infringes the intellectual property rights or proprietary interests of Fintech Insights or any third party. Your use of the Online Services and Materials must comply with all applicable laws, rules or regulations. You may not use the Online Services for any illegal purpose or in any manner inconsistent with the Agreement or any applicable laws.
1.5 Authorized Users may not remove, alter, edit or obscure the copyright notice or other notices contained in the Online Services and Materials or on www.Fintech Insights.com.
2. Access to services
2.1 For the purpose of this Agreement, the term “Authorized User” refers to you as an eligible person with a Basic Account. You agree that Fintech Insights login information, including username and password, may only be used by the Authorized User to whom Fintech Insights assigns it and that Fintech Insights login information may not be shared with or used by any other person, including other Authorized Users. You will use best efforts to prevent unauthorized use of Fintech Insights login information assigned to you and will promptly notify Fintech Insights, in writing, if you suspect that Fintech Insights login information is lost, stolen, compromised, or misused.
2.2 Use of the Online Services via mechanical, robotic, scripted or any other automated means is strictly prohibited. In the absence of any prior written agreement by Fintech Insights, use of the Online Services is permitted only via manually conducted, discrete, individual search and retrieval activities.
2.3 Fintech Insights may amend, enhance, add to, withdraw, or otherwise change Online Services, Materials, and feature functionality within the Online Services without notice to you. Such modifications shall be effective immediately.
2.4 Authorized Users are required to provide truthful and accurate information during registration, including, but not limited to, correct shipping and payment information, correct contact information (e-mail, telephone, etc.), confirmation of payment arrangements, confirmation of status (e.g. student status), confirmation of the Authorized User’s acceptance this Agreement. Authorized Users are required to notify Fintech Insights of any relevant changes made to the information contained in this Section.
3. Limited warranty and Indemnification
3.1 You agree, at your own expense, to indemnify, defend and hold harmless Fintech Insights, its suppliers, agents, directors, officers, employees, representatives, successors, and assigns from and against any and all loss, damage and expense, including reasonable attorney’s fees, and amounts paid in settlement arising from any and all third party claims that: (i) arise out of your use of the Online Services in violation of this Agreement; (ii) violate or breach this Agreement and in turn infringes such party’s intellectual property rights. You shall have the right, at your expense, to assume the exclusive defense and control of any such matter and Fintech Insights will fully cooperate with you in asserting any available defense. This indemnification is contingent on Fintech Insights providing prompt notice to you of any such third party claim and shall not apply if the claim stems from any negligence, willful misconduct, or breach of this Agreement by Fintech Insights.
3.2 YOU AGREE THAT YOUR USE OF THE ONLINE SERVICES IS AT YOUR SOLE RISK AND YOU ACKNOWLEDGE THAT, THE ONLINE SERVICES AND MATERIALS ARE PROVIDED “AS IS”, AND “AS AVAILABLE” AND THAT Fintech Insights AND EACH THIRD PARTY SUPPLIER OF MATERIALS MAKE NO WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE ONLINE SERVICES AND MATERIALS, INCLUDING BUT NOT LIMITED TO, MERCHANTIBILITY, OR FITNESS FOR A PARTICULAR PURPOSE OR USE.
4. Limitation of liability
4.1 A Covered Party (as defined below) shall not be liable for any loss, injury, claim, liability, or damage of any kind resulting in any way from:
(a) any errors in or omissions from the Online Services or any Materials available or not included therein,
(b) the unavailability or interruption of the Online Service or any features thereof or any Materials,
(c) an Authorized User use of the Online…
(c) an Authorized User use of the Online Services or Materials,
(d) the loss or corruption of any data or equipment in connection with the Online Services,
(e) the content, accuracy, or completeness of Materials, all regardless of whether you received assistance in the use of the Online Service from a Covered Party,
(f) any delay or failure in performance beyond the reasonable control of a Covered Party, or
(g) any content retrieved from the Internet even if retrieved or linked to from within the Online Services.
4.2 “Covered Party” means Fintech Insights and any officer, director, employee, subcontractor, agent, successor, or permitted assign of Fintech Insights.
4.3 UNDER NO CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO NEGLIGENCE, SHALL THE COVERED PARTIES BE HELD LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL, EXEMPLARY; PUNITIVE, OR CONSEQUENTIAL DAMAGES OF ANY KIND WHATSOEVER (INCLUDING, WITHOUT LIMITATION, ATTORNEYS’ FEES) IN ANY WAY DUE TO, RESULTING FROM, OR ARISING IN CONNECTION WITH THE ONLINE SERVICES, MATERIALS, OR THE AGREEMENT OR FAILURE OF ANY COVERED PARTY TO PERFORM ITS OBLIGATIONS. TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, AND UNDER NO CIRCUMSTANCES WILL THE TOTAL AGGREGATE LIABILITY OF Fintech Insights IN CONNECTION WITH ANY CLAIM ARISING OUT OF OR RELATING TO THE USE OF THE ONLINE SERVICES OR MATERIALS EXCEED THE AMOUNT PAID BY YOU UNDER THIS AGREEMENT
4.4 THE FOREGOING LIMITATION OF LIABILITY SHALL NOT APPLY TO A PARTY’S INDEMNITY OBLIGATIONS, OR INFRINGEMENT OF INTELLECTUAL PROPERTY, OR MISAPPROPRIATION OF PROPRIETARY DATA BELONGING TO Fintech Insights OR ITS THIRD PARTY SUPPLIERS.
4.5 Fintech Insights shall not be held liable for a temporary or permanent loss of service resulting from a change in the Authorized User’s e-mail address or contact information (stated in section 2.4), intentionally or unintentionally, which has not been communicated to Fintech Insights in accordance with terms of this Agreement.
5. Termination policy
5.1 Fintech Insights may terminate this Agreement at any time with or without notice of Termination at its sole discretion.
6. Miscellaneous
6.1 The failure of an Authorized User, Fintech Insights, or any third party supplier of Materials to exercise or enforce any provision hereof shall not constitute or be construed as a waiver of any such right or provision of the right to enforce it at a later time.
6.2 You may not assign the rights, obligations and/or duties under this Agreement without the prior written consent of the Fintech Insights. This Agreement and any amendment thereto shall be binding on, and will inure to the benefit of the parties and their respective successors and permitted assigns.
6.3 Fintech Insights’s ability to provide Online Services and Materials is regulated by a variety of privacy, data protection, and other laws in a variety of jurisdictions (“Data Laws”) and by the licenses under which it obtains Materials (“Licenses”). You acknowledge that Fintech Insights will perform a due diligence review of your account upon registration and that the due diligence review will be heightened if you desire to access sensitive, nonpublic Materials about individuals. You also acknowledge that Fintech Insights will perform review, no more than one (1) time in any given twelve (12) month period, during normal business hours, of your use of Materials subject to Data Laws or Licenses (“Regulated Data”) in order to comply with Data Laws and license restrictions, and that the review may include asking you to verify that use of Regulated Data was for a permissible purpose. You will reasonably cooperate with Fintech Insights in any such due diligence or regulatory review and will produce all relevant records and documentation reasonably requested by Fintech Insights. All reviews will be at Fintech Insights’s expense. If there is any failure to cooperate fully with Fintech Insights, or if any review reveals the lack of a permissible purpose to access Regulated Data, Fintech Insights may deny access to the Online Services or to Regulated Data. Fintech Insights will be under no obligation to reduce the fees payable by you to the extent that it is unable to provide Regulated Data to you based solely on your noncooperation.
6.4 If others use the Online Services or gains access through an Authorized User’s failure to properly secure his or her Fintech Insights login credentials or computer (a “User”) should access or use Regulated Data in an unauthorized manner (a “Security Event”), then the following provisions will apply:
(a) if required by applicable law, you will notify the individuals whose information has potentially been accessed or used that a Security Event has occurred;
(b) you will notify any other parties (including but not limited to regulatory entities and credit reporting agencies) as may be required by law;
(c) the notification will not reference Fintech Insights or the product through which the Regulated Data was provided, nor will Fintech Insights be otherwise identified or referenced in connection with the Security Event, without the express prior written consent of Fintech Insights;
(d) you will be solely liable for all claims that may arise from a Security Event caused by you and you will indemnify Fintech Insights in full for any third party claims directed against Fintech Insights that arise from the Security Event; and
(e) all notifications and indemnity claims related to the Security Event will be solely at your expense.
6.5 This Agreement shall be governed by and construed in accordance with the laws of the United States and the State of Paris without giving effect to principles of conflicts of law.
6.6 ARBITRATION & CLASS ACTION WAIVER. Any dispute arising out of or in connection with the Agreement, or the Renewal Term, including any disputes regarding the existence, validity or termination thereof, shall be settled by arbitration. The parties agree to arbitrate all disputes by before. The place of arbitration shall be France. French law shall apply. Judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. The parties further agree that any arbitration shall be conducted in their individual capacities only and not as a class action or other representative action, and the parties expressly waive their right to file a class action or seek relief on a class basis. YOU AND Fintech Insights AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. If any court or arbitrator determines that the class action waiver set forth in this paragraph is void or unenforceable for any reason or that an arbitration can proceed on a class basis, then the arbitration provision set forth above shall be deemed null and void in its entirety and the parties shall be deemed to have not agreed to arbitrate disputes.
6.7 This Agreement will be enforced to the fullest extent permitted by applicable law. If any provision of this Agreement is held to be invalid or unenforceable to any extent, then (a) such provision will be interpreted, construed and reformed to the extent reasonably required to render it valid, enforceable and consistent with its original intent and (b) such invalidity or unenforceability will not affect any other provision of this Agreement.
6.8 Where applicable, each affiliated company of Fintech Insights and each third party supplier of Materials has the right to assert and enforce the provisions of this Agreement directly on its own behalf as a third party beneficiary.
6.9 This Agreement shall constitute the entire agreement of the parties with respect to its subject matter and replaces and supersedes any prior written or verbal communications, representations, proposals or quotations on that subject matter.
6.10 This Agreement and its terms and conditions may be amended or replaced …
6.10 This Agreement and its terms and conditions may be amended or replaced by Fintech Insights from time to time as described herein or by written agreement at the discretion of Fintech Insights.
6.11 By clicking “I accept” below, the individuals signing below hereby represent and warrants that they have the legal authority to bind the party on whose behalf they are signing to the terms of this Agreement.
7. Refund Policy
Our refund policy is 14 Days. Unfortunately we can’t offer you a refund or exchange after this period. Your account must be unused and to complete the refund, we require a receipt or proof of purchase. Once your mail is inspected, we will notify you of the approval of your refund. If you are approved, then your refund will be processed, and a credit will automatically be applied to your credit card or original method of payment, within 10 days.
