Terms and Conditions

1. Introduction

Welcome to FinWise USA ('Company', 'we', 'our', 'us'). These Terms and Conditions ('Terms', 'Terms and Conditions') govern your use of our website located at finwiseusa.com (the 'Site') and any related services offered through the Site.

By accessing or using our Site, you agree to be bound by these Terms. If you disagree with any part of the Terms, then you may not access the Site.

2. Use License and Intellectual Property

2.1 Content License

Permission is granted to temporarily view the materials (information or software) on FinWise USA's website for personal, non-commercial, transitory viewing only. This is the grant of a license, not a transfer of title, and under this license, you may not:

• Modify or copy the materials;
• Use the materials for any commercial purpose or for any public display;
• Attempt to decompile or reverse engineer any software contained on FinWise USA's website;
• Remove any copyright or other proprietary notations from the materials; or
• Transfer the materials to another person or 'mirror' the materials on any other server.

2.2 Termination of License

This license shall automatically terminate if you violate any of these restrictions and may be terminated by FinWise USA at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

2.3 Intellectual Property

The Site and its original content, features, and functionality are and will remain the exclusive property of FinWise USA and its licensors. The Site is protected by copyright, trademark, and other laws of both the United States and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of FinWise USA.

3. User Accounts

3.1 Account Creation

When you create an account with us, you must provide information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account on our Site.

3.2 Account Responsibility

You are responsible for safeguarding the password that you use to access the Site and for any activities or actions under your password. You agree not to disclose your password to any third party. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

3.3 Account Termination

We reserve the right to terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. Upon termination, your right to use the Site will immediately cease.

4. User Conduct

You agree that you will not:

• Use the Site in any way that violates any applicable local, state, national, or international law or regulation;
• Use the Site to send, knowingly receive, upload, download, or use any material which does not comply with our content standards;
• Impersonate or attempt to impersonate the Company, a Company employee, another user, or any other person or entity;
• Engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Site, or which, as determined by us, may harm the Company or users of the Site or expose them to liability;
• Use the Site in any manner that could disable, overburden, damage, or impair the site or interfere with any other party's use of the Site;
• Use any robot, spider, or other automatic device, process, or means to access the Site for any purpose, including monitoring or copying any of the material on the Site;
• Use any manual process to monitor or copy any of the material on the Site or for any other unauthorized purpose without our prior written consent;
• Use any device, software, or routine that interferes with the proper working of the Site;
• Introduce any viruses, trojan horses, worms, logic bombs, or other material which is malicious or technologically harmful;
• Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Site, the server on which the Site is stored, or any server, computer, or database connected to the Site;
• Attack the Site via a denial-of-service attack or a distributed denial-of-service attack;
• Otherwise attempt to interfere with the proper working of the Site.

5. User Content

5.1 Submission of Content

Our Site may allow you to post, link, store, share, and otherwise make available certain information, text, graphics, videos, or other material ('User Content'). By providing User Content to the Site, you grant us the right and license to use, modify, publicly perform, publicly display, reproduce, and distribute such content on and through the Site.

5.2 Content Standards

You agree that any User Content you post will not:

• Contain any material which is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory, or otherwise objectionable;
• Promote sexually explicit or pornographic material, violence, or discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age;
• Infringe any patent, trademark, trade secret, copyright, or other intellectual property or other rights of any other person;
• Violate the legal rights (including the rights of publicity and privacy) of others or contain any material that could give rise to any civil or criminal liability under applicable laws or regulations;
• Be likely to deceive any person;
• Promote any illegal activity, or advocate, promote, or assist any unlawful act;
• Cause annoyance, inconvenience, or needless anxiety or be likely to upset, embarrass, alarm, or annoy any other person;
• Impersonate any person, or misrepresent your identity or affiliation with any person or organization;
• Involve commercial activities or sales, such as contests, sweepstakes, and other sales promotions, barter, or advertising.

5.3 Content Monitoring

We reserve the right, but not the obligation, to monitor, edit, or remove any User Content. We also reserve the right to take any action with respect to any User Content that we deem necessary or appropriate in our sole discretion.

6. Links to Other Websites

Our Site may contain links to third-party websites or services that are not owned or controlled by FinWise USA. FinWise USA has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that FinWise USA shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.

7. Disclaimer of Warranties

The Site is provided on an 'AS IS' and 'AS AVAILABLE' basis. The Company expressly disclaims all warranties of any kind, whether express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

The Company makes no warranty that (i) the Site will meet your requirements, (ii) the Site will be uninterrupted, timely, secure, or error-free, (iii) the results that may be obtained from the use of the Site will be accurate or reliable, (iv) the quality of any products, services, information, or other material purchased or obtained by you through the Site will meet your expectations, and (v) any errors in the Site will be corrected.

8. Financial Disclaimer

The information contained on the Site is for general information purposes only. The information is provided by FinWise USA and while we endeavor to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability with respect to the Site or the information, products, services, or related graphics contained on the Site for any purpose.

The content on our Site is not intended to be a substitute for professional financial advice, diagnosis, or treatment. Always seek the advice of your financial advisor or other qualified financial professional with any questions you may have regarding your financial situation.

Any reliance you place on such information is therefore strictly at your own risk. In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.

9. Limitation of Liability

In no event shall FinWise USA, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Site; (ii) any conduct or content of any third party on the Site; (iii) any content obtained from the Site; and (iv) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.

10. Indemnification

You agree to defend, indemnify, and hold harmless FinWise USA, its parent, subsidiaries, affiliates, and their respective directors, officers, employees, contractors, agents, suppliers, licensors, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Site, including, but not limited to, your User Content, any use of the Site's content, services, and products other than as expressly authorized in these Terms.

11. Governing Law

These Terms shall be governed and construed in accordance with the laws of the United States, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

12. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Site after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Site.

13. Contact Us

If you have any questions about these Terms, please contact us at:

FinWise USA
6 Leo Branch South Yasmine
KT6 5DX
Email: info@finwiseusa.com
Phone: +443392195219