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TERMS OF USE

Version 1.0 - 9th November 2024

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS WEBSITE

Welcome to our website. Your access to the Fincloud Website (as defined below) is subject to these Terms of Use (as defined below) together with the documents referred to herein and all applicable laws.

Please read these Terms of Use carefully before you to start to use our Website, as these will apply to your use of our Website.

By accessing, browsing and/or using the Website, you confirm that you accept these Terms of Use and that you agree to comply with them.

Each time you use the Website, the current version of the Terms of Use will apply. We may revise these Terms of Use at any time by amending this page. It is your responsibility to review the most recent version of the Terms of Use frequently and remain informed about any changes to it. Your continued use of the Website constitutes acceptance of the revised Terms of Use.

If you do not agree to these Terms of Use, you must not use our Website.

These Terms of Use refer to our Privacy Policy, which also applies to your use of the Website. The Privacy Policy sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our Website, you consent to such processing and you warrant that all data provided by you is accurate.

Definitions & Interpretation

The following terms shall have the following meanings:

Account means collectively the personal information and credentials used by Users to access Material and/or the System and/or the Service on the Website;

Business Day means a day in England when banks are open for business generally in the City of London;

Content means (including but not limited to) any text, graphics, logos, icons, images, audio, video, software, data compilations, page layout and any other form of information capable of being stored in a computer that appears on or forms part of this Website;

Data means collectively all information that you submit to the Website as further defined in the Privacy Policy. This includes, but is not limited to, Account details and information submitted using any of our Services or Systems;

License means the additional applicable terms specified by Fincloud Ltd. governing the use of Material from this Website;

Materials means Content that Fincloud Ltd. may make available for download, purchase or subscription (as applicable) by Users subject to the terms of the appropriate License;

Fincloud Ltd. or we or our or us means Fincloud Ltd., Registered in England No. 10710486 Registered Office: 71-75 Shelton St, London WC2H 9JQ;

Payment Information means any details required for the purchase of Material from this Website. This includes, but is not limited to, credit / debit card numbers, bank account numbers and sort codes;

Privacy Policy means the policy which applies to our use of any and all Data collected by us in relation to your use of the Website and any Services or Systems;

Purchase Information means collectively any orders, invoices, confirmation emails, receipts or similar that may be in hard copy or electronic form;

Service means collectively any online facilities, tools, services or information that Fincloud Ltd. makes available through the Website either now or in the future, and includes (if permitted by the applicable License) access to Materials;

System means any online communications infrastructure that Fincloud Ltd. makes available through the Website either now or in the future. This includes, but is not limited to, web-based email, message boards, live chat facilities and email links;

Terms of Use means collectively all the terms and conditions set out on this page, including the Introduction, the Definitions & Interpretation, the General Terms of Use and the Schedule at the end (Submission of Materials by Users), all as amended and/or updated from time to time;

Fincloud IP means All work and materials created or modified (in whole or in part) in the course of Fincloud committee meetings, working groups, conferences and other Fincloud sponsored functions;

User(s) means any third party that accesses the Website and is not employed by Fincloud Ltd. and acting in the course of their employment; and

Website means the website that you are currently using (www.fincloud.io) and includes any sub-domains of this website unless expressly excluded by their own terms of use.

General Terms of Use

1. License

1.1 Access​

Subject to these Terms of Use, we grant to you a limited, personal, revocable, non-exclusive, non-transferable license to access the Website and/or use the Service of the System (as applicable) for personal, non-commercial purposes. Use for any other purpose requires a separate explicit agreement to be negotiated and signed between you and Fincloud Ltd. Your right to use the Service is limited by these Terms of Use. Except for this license granted to you, we retain all right, title, and interest in and to the Website, including all related intellectual property rights, where applicable. The Website is protected by applicable intellectual property laws, including the copyright laws of England and Wales and international intellectual property laws and treaties. We reserve the right to modify or terminate the applicable Service for any reason, without notice at any time.

1.2 Permissions​

Fincloud Ltd. grants you permission to download Materials solely for use within your organisation and/or for the purpose of conducting your organisation’s business subject to the terms of the applicable License. All Fincloud IP, unless otherwise expressly noted, is licensed by Fincloud Ltd to you under a Creative Commons Attribution – No Derivatives 4.0 International Public License. You agree to comply with all license requirements, such as those related to attribution and derivative works. The full terms of the license are available at: https://creativecommons.org/licenses/by-nd/4.0/legalcode.

2. Registration

Users may only maintain one single active registration with Fincloud Ltd. By accepting these Terms of Use, you certify that you personally have no other registration with Fincloud Ltd. unless explicitly agreed with Fincloud Ltd. by separate written agreement. Each User may select his or her own visible name, and may change this name from time to time. By becoming a User, you agree to have your visible name and such other content as you nominate as visible to other Users displayed on the Website. You may not enter, select or use a false name or an email address owned or controlled by another person with the intent to impersonate that person. Failure to conform to this requirement shall constitute a breach of these Terms of Use, which may result in immediate termination of your account. You shall be responsible for maintaining the confidentiality of your password and are fully responsible for all activities that occur under your username and password. Any username and password provided to you for your access to the Website and the Service shall be for your personal use only.

3. No Recommendations or Advice

The Website (including all the Content), the Service (including all Materials) should be used for information purposes only. Fincloud Ltd., and its employees and agents are not financial advisors and are not regulated by the UK Financial Conduct Authority (“FCA”) or any other global regulatory body. If you make investment decisions in reliance on information you receive in connection with the Service, you do so at your own risk and Fincloud Ltd., its employees, and its management will not be liable for any losses that you may sustain.

4. Eligibility and Restrictions

4.1 Age restriction​

You must be 18 years of age or older to use the Service and/or the System. It is not intended for those under the age of 18. Use of the Service is void where prohibited. You represent and warrant that the profile information you submit is true and accurate and that your use of the Service will not violate any applicable law or regulation. You represent and warrant that you are 18 years of age or older and are fully able and competent to enter into and abide by these Terms of Use.

4.2 Compliance​

When using the Service, you must comply with all applicable laws, including without limitation, the rules and regulations of the FCA, the Financial Services and Markets Act 2000, the Financial Promotions Order 2005, the European Union Markets in Financial Instruments Directive (MiFID) (2004/39/EC), U.S. Securities and Exchange Commission (all as updated or replaced from time to time) and the national or other securities exchanges of any jurisdiction in which you are located or operate, or which apply to your activities, including compliance with rules against making false or misleading statements to manipulate the price of a security and any requirements regarding the promotion of investments or the listing of primary securities. You personally will not, and will not permit anyone else to:

  • 4.2.1 store, copy, modify, distribute, or resell any of the Content made available on the Website or compile or collect any Content as part of a database or other work, except where such Content explicitly permits such use;
  • 4.2.2 use any automated tool (e.g., robots, spiders) to use the Website or store, copy, modify, distribute, or resell any Content, except where such Content explicitly permits such use;
  • 4.2.3 rent, lease, or sublicense your access to the Website to another person;
  • 4.2.4 use the Service or Content for any purpose except for your own personal use save where explicitly permitted;
  • 4.2.5 circumvent or disable any digital rights management, usage rules, or other security features of the Service or Content;
  • 4.2.6 use the Service in a manner that threatens the integrity, performance, or availability of the Service or Content; or
  • 4.2.7 remove, alter, or obscure any proprietary notices (including copyright notices and license terms) on any portion of the Content.

5. User Conduct

5.1 Respect​

Fincloud Ltd. asks that you respect our on-line community and participating individuals. Your conduct should be guided by common sense and basic etiquette. To further these common goals when posting submissions to or otherwise using the Website, you agree not to:

  • 5.1.1 use Fincloud Ltd.’s facilities, services or resources (including but not limited to the Service, the Content and the System) in a manner which violates any applicable laws or regulations;

  • 5.1.2 defame, abuse, harass, stalk, threaten, or otherwise violate the legal rights (such as rights of privacy and publicity) of others; use racially, ethnically, or otherwise offensive language; discuss or incite illegal activity; or use explicit/obscene language or solicit/post sexually explicit images (actual or simulated);

  • 5.1.3 impersonate any person, or falsely state or otherwise misrepresent your affiliation with a person or entity;

  • 5.1.4 intentionally seek information on, obtain copies of or modify files, other data or passwords belonging to other Users without permission; solicit a User’s password or other Account information or Payment Information; or use other Users’ usernames, email addresses or other personal information for any purpose;

  • 5.1.5 post submissions that contain nudity, violence, or offensive subject matter;

  • 5.1.6 promote information that you know to be false or misleading or that promotes or facilitates illegal activities, piracy, or conduct that is unlawful, abusive, threatening, obscene, defamatory or libelous;

  • 5.1.7 sell or otherwise transfer your profile or account on the Service; or

  • 5.1.8 use Fincloud Ltd.’s facilities, services or resources (including but not limited to the Service, the Content and the System) in a manner that interferes with or disrupts other Users, other network Users, services or equipment. Such interference or disruption includes, but is not limited to: (i) propagation of computer worms or viruses, (ii) use of the network to make unauthorised entry to other computational, information or communications devices or resources, or (iii) use of automated processes to interact with the Service, such as scripts to harvest data. This includes unauthorised security probing activities or other attempts to evaluate the security integrity of a network or host system without permission.

5.2 Violation​

Fincloud Ltd. reserves the right to investigate and take legal action against anyone who, in its sole discretion, violates the restrictions set forth in these Terms of Use, including without limitation removing any offending profile information or submissions, and terminating your Account and access to the Service.

6. Termination

Either Fincloud Ltd. or you may terminate your Account. If Fincloud Ltd. terminates your Account, you will be notified by email and an explanation for the termination will be provided. Notwithstanding the foregoing, we reserve the right to terminate without giving reasons.

7. Intellectual Property Rights

7.1 Acceptance of terms​

You acknowledge and agree that the Service, and any necessary software used in connection with the Service (“Software”), both contain proprietary and confidential information that is protected by applicable intellectual property rights and other laws. You further acknowledge and agree that Content contained in sponsor advertisements or information presented to you through the Service or by advertisers is protected by copyrights, trademarks, service marks, patents or other proprietary rights and laws. Except as expressly authorised by Fincloud Ltd., you agree not to modify, rent, lease, loan, sell, distribute or create derivative works based on the Service or the Software, in whole or in part. Fincloud Ltd. grants you a personal, revocable, non-transferable and non-exclusive license to use the object code of its Software on a single computer, provided that you do not (and do not allow any third party to) copy, modify, create a derivative work from, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, grant a security interest in or otherwise transfer any right in the Software. You agree not to modify the Software in any manner or form, nor to use modified versions of the Software, including (without limitation) for the purpose of obtaining unauthorised access to the Service. You agree not to access the Service by any means other than through the interfaces that are provided by Fincloud Ltd. for use in accessing the Service.

TERMS OF USE FOR THE USE OF FREE FORUMS, BLOGS, COMMENT AND COMMUNICATION FACILITIES​

Intellectual property

7.2 Copyrights, trademarks & IP rights​

Subject to the exceptions in Clause 7.5 of these Terms of Use, all Content, unless uploaded by Users, including all copyrights, trade marks and other proprietary and/or intellectual property rights is the property of Fincloud Ltd., or our affiliates. By continuing to use the Website you acknowledge that such material is protected by applicable United Kingdom and international intellectual property laws and other laws.

7.3 Distribution & re-use​

Subject to Clause 7.6 of these Terms of Use, unless otherwise indicated on the Website or unless given express written permission to do so by Fincloud Ltd., you may print, reproduce, copy, distribute, store or in any other fashion re-use Content for personal purposes only. Specifically you agree that:

  • 7.3.1 you will not use the Content for commercial purposes (unless expressly stated to the contrary on the Website); and

  • 7.3.2 you will not systematically copy Content with a view to creating or compiling any form of comprehensive collection, compilation, directory or database unless given express written permission to do so by Fincloud Ltd.

7.4 Third party intellectual property​

Where expressly indicated, certain Content and the intellectual property rights subsisting therein belongs to third parties. This Content, unless expressly stated to be so, is not covered by any permission granted in these Terms of Use to use Content from the Website. Any such Content will be accompanied by a notice providing the contact details of the owner and any separate use policy that may be relevant.

7.5 Fair Use​

Material from the Website may be re-used without written permission where any of the exceptions detailed in Chapter III of the Copyright Designs and Patents Act 1988 apply.

This Website may contain links to other sites. Unless expressly stated, these sites are not under the control of Fincloud Ltd. or that of our affiliates. We assume no responsibility for the content of such websites and disclaim liability for any and all forms of loss or damage arising out of the use of them. The inclusion of a link to other sites on this Website does not imply any endorsement of the sites themselves or of those in control of them.

Those wishing to place a link to this Website on other sites may do so only to sub-pages residing under this domain. Deep linking (i.e. links to specific pages within the site) is permitted where such pages are accessible.

7.8 Conduct​

When using the Forums, Blogs, Comment Facilities, News Channels, Discussion Groups,
and Communication Platform Facilities and/or any other System and when submitting Content to the Website you should do so in accordance with the following rules:

  • 7.8.1. you must not use obscene or vulgar language;

  • 7.8.2 you must not submit Content that is unlawful or otherwise objectionable. This includes, but is not limited to, Content that is abusive, threatening, harassing, defamatory, ageist, sexist or racist;

  • 7.8.3 you must not submit Content that is intended to promote or incite violence;

  • 7.8.4 it is advised that posts on message boards, chat facilities or similar and communications with Fincloud Ltd. are made using the English language(s) as we may be unable to respond to enquiries submitted in any other languages;

  • 7.8.5 Content submissions are required to be made using the English language(s). Content in any other language may be removed at our sole discretion;

  • 7.8.6 you must not post links to other websites containing any of the above types of Content referred to in this Clause 7.8;

  • 7.8.7 the means by which you identify yourself must not violate these Terms of Use or any applicable laws;

  • 7.8.8 you must not engage in any form of commercial advertising. Fincloud Ltd. is an independent and neutral industry standards body and all Content posted in these areas by Users should not seek to be promotional in any respect, for example promotional of a company or its products and/or services. This does not prohibit references to businesses for non-promotional purposes including references where advertising may be incidental;

  • 7.8.9 you must not impersonate other people, particularly employees and representatives of Fincloud Ltd. or our affiliates;

  • 7.8.10 you must not submit material that may contain viruses or any other software or instructions that may damage or disrupt other software, computer hardware or communications networks including the Software; and

  • 7.8.11 you must not use our System for unauthorised mass-communication such as spam or junk mail.

7.9 Monitoring​

You acknowledge that Fincloud Ltd. reserves the right to monitor any and all communications made to us or using our System.

7.10 Personal Details​

In order to use the Forums, Blogs, Comment Facilities, News Channels, Discussion Groups and Communication Platform Facilities and any other communication facility that may be added in the future or to submit Content, you are required to submit certain personal details. By continuing to use this Website you represent and warrant that:

  • 7.10.1 any information you submit is accurate and truthful; and

  • 7.10.2 you will keep this information accurate and up-to-date.

7.11 Indemnification​

By submitting Content you warrant and represent that you are the author of such Content or that you have acquired all the appropriate rights and/or permissions to use the Content in this fashion. Further, you waive all moral rights in the Content to be named as its author and grant Fincloud Ltd. a license to modify the Content as necessary for its inclusion on the Website. Fincloud Ltd. accepts no responsibility or liability for any infringement of third party rights by such Content. You will indemnify and hold Fincloud Ltd., and its subsidiaries, affiliates, officers, agents, and employees, harmless from any costs, damages, expenses, and liability caused for infringement of any third party intellectual property rights anywhere in the world in consequence of Fincloud Ltd.’s use any Content which you submit or related in any way to the Content which you submit.

7.12 Licensing​

Unless a User informs Fincloud Ltd. otherwise, in advance of posting, in writing, and Fincloud Ltd. agrees to any terms or restrictions, all Content submitted is for publication on the Website and other such uses as Fincloud Ltd. may deem appropriate under a royalty-free, perpetual basis.

7.13 Liability​

Fincloud Ltd. will not be liable in any way or under any circumstances for any loss or damage that you may incur as a result of:

  • 7.13.1 your use of any Content on the Website; or

  • 7.13.2 any errors or omissions in any Content on the Website as made available by Fincloud Ltd., and your use of and reliance upon any Content on the Website is entirely at your own risk.

7.14 Content removal​

Content submitted by Users is at times screened by Fincloud Ltd. prior to appearing online. We retain the right to exercise our sole discretion to remove or relocate any Content as we deem appropriate without the consent of the author. We shall be under no obligation to exercise such discretion. If you wish to enquire as to the removal of Content, please submit your query to webmaster@fincloud.io. This does not constitute an undertaking to explain our actions.

7.15 Suspension of access​

In the event that any of the provisions of sub-Clause 7.8 above are not followed, Fincloud Ltd. reserves the right to suspend or terminate your access to the Service and/or the System. Any Users banned in this way must not attempt to use the Website under any other name or by using the access credentials of another User, with or without the permission of that User.

8. Feedback

Fincloud Ltd. may provide you with a mechanism to provide feedback, suggestions and ideas, if you choose, about the Service (“Feedback”). You agree that Fincloud Ltd. may, in its sole discretion, use the Feedback you provide to Fincloud Ltd. in any way, including in future modifications to the Service. You hereby grant Fincloud Ltd. a perpetual, worldwide, fully transferable, irrevocable, royalty free license to use, reproduce, modify, create derivative works from, distribute and display the Feedback in any manner for any purpose.

9. Disclaimers

9.1 Suitability of servuce​

Fincloud Ltd. makes no warranty or representation that the Website will meet your requirements, that it will be of satisfactory quality, that it will be fit for a particular purpose, that it will not infringe the rights of third parties, that it will be compatible with all systems, that it will be secure and that all information provided (including but not limited to Content and Materials) will be accurate. We make no guarantee of any specific results from the use of our Service. Fincloud Ltd. may update the Website from time to time, and may change the Content at any time. However, Fincloud Ltd. makes no warranty or representation that the Website or Content will be up to date at any given time.

9.2 Reliability​

No part of this Website is intended to constitute advice and the Content of this Website should not be relied upon when making any decisions or taking any action of any kind.

9.3. Non-commercial use​

The information on this Website is not designed with commercial purposes in mind. Commercial use of the Content of this Website is forbidden under these Terms of Use. Any such use constitutes a breach of these Terms of Use and Fincloud Ltd. makes no representation or warranty that the Content is suitable for use in commercial situations or that it constitutes accurate data and/or advice on which business decisions can be based.

9.4 Errors & Omissions​

Whilst every effort has been made to ensure that all descriptions of Services available from Fincloud Ltd. correspond to the actual Services available, Fincloud Ltd. is not responsible for any variations from these descriptions.

9.5 Non-contractual​

Save for these Terms of Use, no part of this Website is intended to constitute a contractual offer capable of acceptance.

9.6 No Warranty​

YOUR USE OF THE WEBSITE, THE SERVICE, THE SYSTEM, THE CONTENT AND/OR THE MATERIALS IS AT YOUR SOLE RISK. THE WEBSITE, THE SERVICE, THE SYSTEM, THE CONTENT AND/OR THE MATERIALS ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, FINCLOUD LTD. 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, TITLE, AND NON-INFRINGEMENT. WE DO NOT GUARANTEE THE ACCURACY, COMPLETENESS, OR USEFULNESS OF THE WEBSITE, THE SERVICE, THE SYSTEM, THE CONTENT AND/OR THE MATERIALS, AND YOU RELY ON THE WEBSITE, THE SERVICE, THE SYSTEM, THE CONTENT AND/OR THE MATERIALS AT YOUR OWN RISK. ANY MATERIAL OBTAINED THROUGH THE SERVICE OR ANY CONTENT OBTAINED FROM THE WEBSITE IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY MATERIAL THROUGH THE SERVICE OR CONTENT FROM THE WEBSITE. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM FINCLOUD LTD. OR THROUGH OR FROM THE WEBSITE WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS OF USE.

10. Service Availability

10.1 Defects​

We give no warranty that the Service will be free of defects and/or faults.

10.2 Liability​

Fincloud Ltd. accepts no liability for any disruption or non-availability of the Website resulting from external causes including, but not limited to, ISP equipment failure, host equipment failure, communications network failure, power failure, natural events, acts of war or legal restrictions and censorship.

11. No Waiver

In the event that any party to these Terms of Use fails to exercise any right or remedy contained herein, this shall not be construed as a waiver of that right or remedy.

12. Limitation of Liability

12.1 No liability for malicious content​

Whilst every effort is made to keep viruses and similar malicious software or code out of the Website, the Service, the System, the Content and the Material provided by Fincloud Ltd., Fincloud Ltd. accepts no liability for any damage done by such elements. You bear the responsibility of ensuring adequate virus protection for your own systems and are advised to make regular and frequent back-ups.

12.2 Enforceability​

Whilst every effort has been made to ensure that these Terms of Use adhere strictly with the relevant provisions of the Unfair Contract Terms Act 1977, in the event that any of the terms are found to be unlawful, invalid or otherwise unenforceable, that term is to be deemed severed from these Terms of Use and shall not affect the validity and enforceability of the remaining Terms of Use. This provision shall apply only within jurisdictions where a particular term is illegal.

12.3 No liability for personal injury​

Nothing in these Terms of Use excludes or restricts Fincloud Ltd.’s liability for death or personal injury arising from our negligence, or fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.

12.4 No liability for loss or damages​

FINCLOUD LTD. WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), FOR BREACH OF STATORY DUTY, OR OTHERWISE, EVEN IF FORESEEABLE FOR ANY:

  • 12.4.1 INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY LOSS OR DAMAGE; OR

  • 12.4.2 DIRECT OR INDIRECT (A) LOSS OF PROFITS, SALES, BUSINESS OR REVENUE, (B) BUSINESS INTERRUPTION, (C) LOSS OF ANTICIPATED SAVINGS, OR (D) LOSS OF BUSINESS OPPORTUNITY, GOODWILL OR REPUTATION, RESULTING FROM YOUR USE OF THE WEBSITE, THE SERVICE, THE SYSTEM, THE CONTENT OR THE MATERIALS, OR ARISING UNDER OR IN CONNECTION WITH THESE TERMS OF USE, EVEN IF FINCLOUD LTD. HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSS OR DAMAGE.

12.5 Total liability​

SUBJECT TO CLAUSES 12.3 AND 12.4, UNDER NO CIRCUMSTANCES WILL FINCLOUD LTD.’S TOTAL LIABILITY OF ALL KINDS RESULTING FROM YOUR USE OF THE SERVICE, THE MATERIALS, THE WEBSITE OR THE CONTENT, OR ARISING UNDER OR IN CONNECTION WITH THESE TERMS OF USE (INCLUDING BUT NOT LIMITED TO WARRANTY CLAIMS), REGARDLESS OF THE FORUM AND REGARDLESS OF WHETHER ANY ACTION OR CLAIM IS BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE, EXCEED THE TOTAL AMOUNT PAID BY YOU TO FINCLOUD LTD. FOR USE OF THE SERVICE IN THE 12 MONTHS IMMEDITALY PRECEDING THE DATE OF SUCH CLAIM. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

13. Indemnity

You will indemnify and hold Fincloud Ltd., and its subsidiaries, affiliates, officers, agents, and employees, harmless from any costs, damages, expenses, and liability caused by your use of the Website, the Service, the System, the Materials or the Content, your violation of these Terms of Use, or your violation of any rights of a third party through use of the Website, the Service, the System, the Materials or the Content.

14. Law and Jurisdiction

These Terms of Use and the relationship between you and Fincloud Ltd. shall be governed by and construed in accordance with the laws of England and Wales and Fincloud Ltd. and you agree to submit to the exclusive jurisdiction of the Courts of England and Wales.

15. Notices

All notices/communications shall be given to us either by post to our premises (see address above) or by email to webmaster@fincloud.io. Such notice will be deemed received 3 days after posting if sent by first class post, the day of sending if the email is received in full on a Business Day and on the next Business Day if the email is sent on a weekend or public holiday.

16. Previous Terms of Use

In the event of any conflict between these Terms of Use and any prior versions thereof, the provisions of these Terms of Use shall prevail unless it is expressly stated otherwise.

17. Contacting Fincloud Ltd.

If you have any questions or concerns about the Service or these Terms of Use please send all such enquiries (including a full and thorough description) to webmaster@fincloud.io.

SCHEDULE 1 - SUBMISSION OF MATERIALS TO THE WEBSITE BY USERS

1. Submission of Material

1.1 Ownership of submitted content​

By submitting Material to the Website you warrant and represent that you are the author of such Material and that, where appropriate, you have acquired all of the appropriate rights and/or permissions to use the Material in this fashion under the terms of any applicable license. Fincloud Ltd. accepts no responsibility or liability for any infringement of third party rights by using such Material. You will indemnify and hold Fincloud Ltd., and its subsidiaries, affiliates, officers, agents, and employees, harmless from any costs, damages, expenses, and liability caused for infringement of any third party intellectual property rights anywhere in the world in consequence of Fincloud Ltd.’s use of any Material which you submit or related in any way to the Material which you submit

1.2 Licensing of submitted content​

You hereby authorise Fincloud Ltd. to license your Material to third parties. Such distribution is based on the terms of Fincloud Ltd.’s standard License, except as explicitly varied on a case by case basis by separate written agreement.

1.3. Usage of submitted content​

By submitting Material you expressly agree that Fincloud Ltd. may use your Material in the following ways which may include sharing your name, your company (or organisation) and if appropriate, your affiliation with Fincloud Ltd., with third parties in connection with the Materials submitted:

  • 1.3.1 for promotional purposes;

  • 1.3.2 for distribution;

  • 1.3.3 for publication;

  • 1.3.4 Fincloud Ltd. may publish your Materials in its Website. This will include your name, your company (or organisation) and if appropriate, your affiliation with Fincloud Ltd.

2. Moderation and Removal / Amendment Of Content

2.1 Monitoring​

Fincloud Ltd. at times actively monitors your postings to the Website. In our efforts to promote good citizenship within the Fincloud Ltd. community, if Fincloud Ltd. becomes aware of inappropriate use of the Service, Fincloud Ltd. shall be entitled to respond in any way that we deem appropriate in our sole discretion including removing the inappropriate postings and even revoking your posting permission. You acknowledge that Fincloud Ltd. may report to government or regulatory authorities any actions that may be considered illegal, as well as any reports it receives of such conduct. When requested, Fincloud Ltd. may cooperate with government authorities in any investigation of alleged illegal activity.

2.2 Content removal​

Fincloud Ltd. may remove or modify any submission that Fincloud Ltd. determines, in its sole discretion, violates the terms of these Terms of Use or are otherwise deemed by Fincloud Ltd. to be inappropriate for posting.

3. Non-Commercial Submissions to Fincloud Ltd.

3.1 Ownership rights​

You will retain ownership rights in such submissions. However, by submitting your post or comments to us, you hereby grant to Fincloud Ltd., a perpetual, non-exclusive, fully paid, royalty-free, worldwide license (with the right to sub-license through multiple tiers of sub-licensees) to use, copy, modify, adapt, transmit, and distribute your submissions unless otherwise restricted by these Terms of Use including as provided by our Privacy Policy. Where any additional restrictions are imposed, they shall be documented as follows:

  • 3.1.1 For third-party widgets or plug-ins included in the widget gallery: contributors may further reserve their rights by including an appropriate copyright statement attributing ownership of the copyright to the licensor party, (including reference to any right to distribute afforded by any license obtained from the copyright holder (where applicable) and reference or link to the appropriate licensing terms), within the relevant section of the deployed Elgg plug-in.

  • 3.1.2 This statement shall specify whether the license conferred to Fincloud Ltd. excludes any of the following uses: “copy”, “modify”, “adapt”. The license granted cannot exclude the following uses which are intrinsic to the inclusion of the content within the platform: “use”, “transmit”, “distribute”. If you wish to exclude any of these uses you should consider whether it is appropriate to post the content, or in the event of doubt should contact Fincloud Ltd. to discuss the specific basis of use intended. Additionally, where such widgets include elements themselves derived from or including code or content subject to existing licensing terms (such as GNU GPL v2 which requires that all derivative works are themselves licensed on the same basis), the contributor must ensure that they are entitled to impose such restrictions under the terms of the associated license in order for such restriction to have any binding effect.

  • 3.1.3 For third party Javascript, embed code, or HTML packaged into widgets by Users with the “Widget Studio” tool for inclusion in the widget gallery: the User creating the widget shall be responsible for ensuring that in doing so they do not violate the rights of any third party and are appropriately licensed should any copyrighted material be included within the embed code. It is recommended that the description field of the widget studio tool is used to attribute the source of the embedded code and to display an appropriate notice in respect of the copyright holder.

  • 3.1.4 For trademarks, logos or other commercially sensitive content: where such content is included in posts, profiles, etc. for display on the site, or uploaded into media galleries or file repositories within the site, an appropriate copyright notice should be displayed with the content. For images, audio and video content, it is recommended that such notices are explicitly superimposed on the artifact itself, or the artifact is mounted on a suitable canvas along with the copyright notice so as to cause them to be intrinsically bound together (for example by flattening the layers of an image to create a new image including both the original artifact and the copyright notice), or the copyright notice is bound to the artifact as metadata in a way which causes it to be carried with the artifact when it is saved, copied or reproduced, and which is readily accessible to anyone attempting to do so, such as its inclusion in the associated “properties” field.

3.2 Compliance with terms of use​

Where the artifact or embed code has been made explicitly available by the copyright holder for the purposes of syndicating the underlying service or content, the contributor is responsible for ensuring that the terms of use are complied with and any associated requirements for attribution, copyright notices or display of license terms are displayed.

3.3 Liability for displayed content​

Fincloud Ltd. will not accept any liability for the display of such content on its platform, and by accepting these terms the contributor accepts all liability for the consequences of any copyright violation, and holds Fincloud Ltd. indemnified accordingly. In the event of any complaint regarding such usage, Fincloud Ltd. reserves the right to suspend the availability of the content and disclose the identity of the contributor to the complainant in the event that in Fincloud Ltd.’s reasonable view there is any basis to the complaint, or if required to do so by any legal process or statutory authority in any relevant jurisdiction.

3.4 Indenmification for displayed content​

The contributor shall be solely responsible for any consequential loss, interruption of continuity of service to subscribers to the content or any derived work, and responsible for refunding any monies due to subscribers in respect of content sold but not delivered, or delivered in violation of terms of use. Fincloud Ltd. will not accept any responsibility for the consequences of such failure and resolution shall be solely a matter for resolution between the subscriber and the contributor. By accepting these terms of service, you indemnify Fincloud Ltd. from any claim or liability associated with the use of such content; whether as User, subscriber or contributor, and agree not to pursue remedy against Fincloud Ltd. to the fullest extent permissible in law.

3.5 Patents​

Where content includes descriptions, implementations, or examples of technical components, business methods or other elements subject to a patent or a pending patent, the patent holder may optionally display a notice alerting Users to the existence of the patent and associated registration details.

3.6 Royalty payments​

You further represent and warrant that you agree to pay all royalties, license fees and any other monies owing any person by reason of any submission posted by you on or through the Website. You shall be solely liable for any damage resulting from any infringement of copyrights, trademarks, proprietary rights, or any other harm resulting from any submissions.

3.7 Creative commons licensing​

All non-commercial contributions to the Website shall be regarded as being contributed under the terms of a Creative Commons Attribution-Share Alike 2.0 UK: England & Wales license, unless explicitly associated with another license, either as explicitly listed according to the procedures listed above or as defined using any specific license management facilities provided within the Website, and in the absence of such explicit provisions you hereby grant to other Users of the site the right to use, copy, modify, adapt, transmit, and distribute your submissions in accordance with the terms of such license. You further represent and warrant that:

  • 3.7.1 you own all right title and interest in your submissions or otherwise have the right to grant the license set forth herein, and

  • 3.7.1 the posting of your submissions on or through the Website does not (and will not) violate the privacy rights, publicity rights, copyrights, contract rights or any other rights of any person.

4. Indemnification

You agree to indemnify, defend and hold harmless Fincloud Ltd. and, where appropriate, its officers, employees, members, directors and suppliers against all claims, liability, damages, costs and expenses, including reasonable legal costs and expenses, arising out of or related to the use or the inability of use of any Material, your failure to abide by any restriction relating to the use of Material submitted by you, or any claim by a third party relating to the use of Material submitted by you.