TERMS AND CONDITIONS

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS SITE

1. WHO WE ARE AND HOW TO CONTACT US
   1. Finbold.com (the “Website” or the “Site”) is a Site operated by FINODES LTD. (the “Company,” or “We,” or “Us”) registered in England and Wales under company number 13091397 with registered office at 128 City Road, London, United Kingdom, EC1V 2NX.
   2. You can contact us by post at the address listed above or by email at [email protected].
2. BY USING OUR SITE YOU ACCEPT THESE TERMS
   1. By using our Site, you confirm that you accept these terms of use and that you agree to comply with them. If you do not agree to these terms, you must not use our Site. We recommend that you print a copy of these terms for future reference.
   2. We reserve the right to modify these terms and conditions at any time. We encourage users to frequently check this section for any changes. Your continued use of the Site after the posting of changes to this document will be deemed your acceptance of those changes.
3. THERE ARE OTHER TERMS THAT MAY APPLY TO YOU
   1. These terms of use refer to the following additional terms, which also apply to your use of our Site:
      1. Our Privacy Policy, available at https://finbold.com/privacy-policy/.
      2. Our Acceptable Use Policy, available at https://finbold.com/acceptable-use-policy/.
      3. Our Cookie Policy, available at https://finbold.com/cookies-policy/, which sets out information about the cookies on our Site.
4. WE MAY MAKES CHANGES TO THESE TERMS
   1. We amend these terms from time to time. Every time you wish to use our Site, please check these terms to ensure you understand the terms that apply at that time.
5. WE MAY MAKE CHANGES TO OUR SITE
   1. We may update and change our Site from time to time to reflect changes to our products, our users’ needs and our business priorities.
6. WE MAY SUSPEND OR WITHDRAW OUR SITE
   1. Our Site is made available free of charge.
   2. We do not guarantee that our Site, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our Site for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.
   3. You are also responsible for ensuring that all persons who access our Site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.
7. WE MAY TRANSFER THIS AGREEMENT TO SOMEONE ELSE
   1. We may transfer our rights and obligations under these terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under the contract.
8. GEOGRAPHIC RESTRICTIONS
   1. The Site, its content, and any services provided in relation to the same are intended for use by individuals or entities located in jurisdictions where such use is legally permissible. By continuing to access, view, or make use of this site and any related content and services, you hereby warrant and represent to us that your use of the Site complies with all applicable laws and regulations in your jurisdiction.
   2. In the United Kingdom, crypto assets are classified as restricted mass market investments. This classification means that such assets are considered high-risk investments and are not suitable for retail investors. If you are a resident of the United Kingdom, please exit this site immediately. By continuing to use or access this website, you acknowledge that you are not a resident of the UK and understand the risks associated with high-risk investments, including the potential total loss of your investment.
   3. The Site may not be used by individuals or entities located in jurisdictions that are subject to restrictions or sanctions imposed by the government of the United Kingdom, the European Union, the United Nations, or any other applicable international authority. Users are responsible for ensuring that their use of the Site is not in violation of any restrictions pertaining to their jurisdiction.
   4. It is the responsibility of the user to determine if their use of the Site is legal in their jurisdiction and to comply with all applicable local laws and regulations. If you are an individual or entity located in a jurisdiction where the use of this Site, its content, or related services is not permitted, you must immediately discontinue use of the Site and any related content and services.
   5. We reserve the right to restrict access to the Site from certain jurisdictions at any time, without prior notice, in accordance with international law and our own policy updates. Users are encouraged to review these terms regularly to ensure compliance with the latest restrictions.
9. YOU MUST KEEP YOUR ACCOUNT DETAILS SAFE
   1. If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.
   2. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use.
   3. If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at the contact details listed above.
10. HOW YOU MAY USE MATERIAL ON OUR SITE
    1. We are the owner or the licensee of all intellectual property rights in our Site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
    2. You may print off one copy, and may download extracts, of any page(s) from our Site for your personal use and you may draw the attention of others within your organisation to content posted on our Site.
    3. You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
    4. Our status (and that of any identified contributors) as the authors of content on our Site must always be acknowledged (except where the content is user-generated).
    5. You must not use any part of the content on our Site for commercial purposes without obtaining a licence to do so from us or our licensors.
    6. If you print off, copy, download, share or repost any part of our Site in breach of these terms of use, your right to use our Site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.
11. NO TEXT OR DATA MINING, OR WEB SCRAPING
    1. You shall not conduct, facilitate, authorise or permit any text or data mining or web scraping in relation to our Site or any services provided via, or in relation to, our Site. This includes using (or permitting, authorising or attempting the use of):
       1. Any “robot”, “bot”, “spider”, “scraper” or other automated device, program, tool, algorithm, code, process or methodology to access, obtain, copy, monitor or republish any portion of the Site or any data, content, information or services accessed via the same.
       2. Any automated analytical technique aimed at analysing text and data in digital form to generate information which includes but is not limited to patterns, trends and correlations.
    2. The provisions in this clause should be treated as an express reservation of our rights in this regard, including for the purposes of Article 4(3) of Digital Copyright Directive ((EU) 2019/790).
    3. This clause shall not apply insofar as (but only to the extent that) we are unable to exclude or limit text or data mining or web scraping activity by contract under the laws which are applicable to us.
12. USE OF FEEDS
    1. You may access our RSS and Atom feeds using any compatible feed reader or aggregator, and by doing so, you accept these terms and conditions.
    2. Subject to your acceptance of these terms and conditions, we grant to you a non-exclusive, non-transferable, non-sub-licensable licence to display content from our feeds in unmodified form (unless such modification is for the purpose of user accessibility) on any non-commercial Site owned and operated by you, providing that you must not aggregate any of our feed content with any third party feed when displaying it in accordance with this Section.
    3. It is a condition of this licence that you include a credit for us and hyperlink to our Site on each web page where our feed content is published (in such form as we may specify from time to time, or if we do not specify any particular form, in a reasonable form).
    4. We may revoke any licence relating to our feeds or feed content at any time, with or without notice.
13. DO NOT RELY ON INFORMATION ON THIS SITE
    1. The content on our Site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our Site.
    2. The content provided on this Site, including but not limited to financial news, reports, analysis, opinions, and any other type of content, is for informational purposes only and is not intended as, and shall not be understood or construed as, financial or investment advice.
    3. Any discussion of specific securities, investments, or investment strategies on this Site is provided as general market commentary and does not constitute an endorsement or recommendation. The decision to invest or trade any financial instrument should be based solely on your own informed assessment of the risks and your financial situation.
    4. The use or reliance of any information contained on this Site is solely at your own risk. You are responsible for conducting your own research and due diligence and should not act or refrain from acting on the basis of any content included on the Site without seeking independent professional advice.
    5. Although we make reasonable efforts to update the information on our Site, we make no representations, warranties or guarantees, whether express or implied, that the content on our Site is accurate, complete or up to date.
14. WE ARE NOT RESPONSIBLE FOR WEBSITES WE LINK TO
    1. Our Site includes links to third-party websites, including various social media platforms. These links are provided for your convenience to access additional information or engage with content across these platforms. However, we do not control, endorse, or assume responsibility for the content, policies, or practices of any third-party websites, including social media platforms. We have no control over the contents of those sites or resources.
    2. You acknowledge and agree that we shall not be held 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 third-party websites or social media platforms.
    3. Interaction with social media platforms through our Site, including features such as “like,” “share,” or similar buttons, is governed by the terms and conditions and privacy policies of those respective platforms. When using these features, you are subject to the terms, conditions, and policies of the respective social media platforms.
    4. We encourage you to be aware when you leave our Site and to read the terms and conditions and privacy policy of each other website that you visit, including social media platforms, to understand their terms of use and how they manage your data.
    5. The integration of social media platforms on our Site does not imply an endorsement of these platforms, their content, or the services and products they offer. We disclaim all liability related to the engagement, communication, and transactions you undertake with third parties through social media platforms linked from our Site.
15. WE ARE NOT RESPONSIBLE FOR SPONSORED CONTENT
    1. Our Site includes sponsored content, which includes but is not limited to advertisements, sponsored news articles, and promotional material. Such content is provided by our sponsors or third-party advertisers and is not produced by our editorial team. Sponsored content will be clearly marked as such with identifiers like “Sponsored”, “Ad”, or “Promoted” to ensure transparency with our users.
    2. The inclusion of sponsored content on our Site does not constitute an endorsement, approval, or review of the products, services, or opinions contained therein by Us. We are not responsible for the accuracy, legality, or content of the sponsored content and expressly disclaim all liability relating to your interaction with, or reliance on, such content.
    3. Any dealings or transactions you have with advertisers or sponsors found on or through our Site, including participation in promotions, purchase of goods or services, and any other terms, conditions, warranties, or representations associated with such dealings, are solely between you and the applicable advertiser or sponsor. You agree that We shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such advertisers or sponsors on our Site.
16. FINANCIAL PROMOTION RESTRICTIONS
    1. The content on this Site is not, and should not be construed as, a financial promotion, advice, invitation, or inducement to engage in investment activity. In the United Kingdom, financial promotions are subject to regulatory requirements and restrictions under the Financial Services and Markets Act 2000 (FSMA) and the Financial Conduct Authority (FCA) rules. The Site does not make, and shall not be construed as making, any financial promotions to persons in the United Kingdom. All content on this Site is strictly for informational purposes only and does not constitute a financial promotion as defined by the FSMA and the FCA rules.
    2. If you are in the UK, you are hereby notified that engaging with any financial content on this Site does not, and shall not be deemed to, constitute a financial promotion under the FSMA or the FCA’s Handbook. Users should conduct their own due diligence and consult with a qualified professional for advice tailored to their specific circumstances before making any investment decisions.
    3. Users are prohibited from promoting or advertising any content that constitutes an illegal financial promotion under the Financial Services and Markets Act 2000 (FSMA) and the Financial Promotion Order 2005 (FPO) or violates the financial promotion laws, regulations, or guidelines of their respective jurisdictions. This includes, but is not limited to, the unauthorised promotion of investment opportunities, financial products, or services without the necessary licenses, registrations, or approvals from the relevant regulatory authorities.
    4. Users are solely responsible for ensuring that any financial promotions they make on this Site comply with all applicable laws and regulations in their jurisdiction. We urge users to consult with a qualified professional for advice tailored to their specific circumstances before making any investment decisions. The Site reserves the right to remove any content that it believes may violate financial promotion laws or regulations in any jurisdiction, without prior notice to the user.
17. GLOBAL REGULATORY DISCLAIMER
    1. The content, information, and services provided on this Site are intended for informational and educational purposes only. The Site and its owners, operators, and contributors do not provide financial, legal, tax, or investment advice, and nothing on this Site should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security, product, service, or investment strategy.
    2. The Site and its content are not directed at or intended for distribution to any person or entity in any jurisdiction or country where such distribution, publication, availability, or use would be contrary to applicable law or regulation, or which would subject the Site or its owners, operators, or contributors to any registration or licensing requirement within such jurisdiction or country.
    3. It is the responsibility of the user to ensure compliance with all applicable laws and regulations in their respective jurisdictions before accessing or using the information, content, or services provided on this Site. Users should be aware that the legal status, regulations, and requirements related to cryptocurrencies, digital assets, and investment activities may vary significantly across different jurisdictions.
    4. The Site and its owners, operators, and contributors shall not be held liable for any damages, losses, or legal consequences arising from the use of the information, content, or services provided on this Site. Users are solely responsible for their own investment decisions and should consult with qualified legal and financial professionals for advice tailored to their specific circumstances.
    5. By accessing and using this Site, you acknowledge and agree that you have read, understood, and accepted this Global Regulatory Disclaimer and that you will comply with all applicable laws and regulations in your jurisdiction.
    6. This Global Regulatory Disclaimer is subject to change without prior notice, and users are encouraged to review it regularly to ensure compliance with the latest requirements. If you do not agree with any part of this disclaimer, you must immediately cease using this Site and its content.
18. USER-GENERATED CONTENT IS NOT APPROVED BY US
    1. This Site may include information and materials uploaded or created by other users of the Site, such as comments on articles and materials from social media pages, video-sharing sites, bulletin boards and chat rooms. This information and these materials have not been verified or approved by us. The views expressed by other users on our Site do not represent our views or values.
19. HOW TO COMPLAIN ABOUT OR REPORT CONTENT
    1. If you become aware of any material that is illegal or could comprise or be connected to child sexual abuse or exploitation or could comprise terrorist content or be connected to terrorism, please contact us immediately at the contact details listed above.
    2. If you wish to complain about any other content, please contact us at the contact details listed above.
20. OUR RESPONSIBILITY FOR LOSS OR DAMAGE SUFFERED BY YOU

Whether you are a consumer or a business user:

1. We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.

If you are a business user:

1. We exclude all implied conditions, warranties, representations or other terms that may apply to our Site or any content on it.
2. We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
   1. use of, or inability to use, our Site; or
   2. use of or reliance on any content displayed on our Site.
3. In particular, we will not be liable for:
   1. loss of profits, sales, business, or revenue;
   2. business interruption;
   3. loss of anticipated savings;
   4. loss of business opportunity, goodwill or reputation; or
   5. any indirect or consequential loss or damage.

If you are a consumer user:

1. Please note that we only provide our Site for domestic and private use. You agree not to use our Site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
2. If defective digital content that we have supplied damages a device or digital content belonging to you and this is caused by our negligence, we may either repair the damage or pay you compensation. However, we will not be liable for damage that you could have avoided by following our advice to apply an update offered to you free of charge or for damage that was caused by you failing to correctly follow installation instructions or to have in place the minimum system requirements.
3. HOW WE MAY USE YOUR PERSONAL INFORMATION
   1. We will only use your personal information as set out in our Privacy Policy.
4. UPLOADING CONTENT TO OUR SITE
   1. Whenever you provide us with content to upload on our Site, make use of a feature that allows you to upload content to our Site, or make contact with other users of our Site, you must comply with the content standards set out in our Acceptable Use Policy.
   2. You warrant that any such contribution or any content you provide does comply with those standards, and you are liable to us and indemnify us for any breach of that warranty. This means you will be responsible for any loss or damage we suffer as a result of your breach of warranty.
   3. Any content you upload to our Site or provide us with to upload on our Site will be considered non-confidential and non-proprietary. You retain all of your ownership rights in your content, but you are required to grant us a limited licence to use, store and copy that content and to distribute and make it available to third parties.
   4. We also have the right to disclose your identity to any third party who is claiming that any content posted, uploaded by you to our Site, or provided by you for uploading to our Site constitutes a violation of their intellectual property rights or of their right to privacy.
   5. We have the right to remove any posting you make on our Site or any content you provide for uploading to our Site if, in our opinion, your post or content does not comply with the content standards set out in our Acceptable Use Policy.
   6. If you wish to contact us in relation to content you have uploaded to our Site, provided for uploading to our Site, and that we have taken down, please contact us at the contact details listed above.
   7. You are solely responsible for securing and backing up your content, whether uploaded directly by you or provided to us for uploading.
   8. You must not upload or provide any material for uploading that could incite a terrorist offence, solicit any person to participate in terrorist activities, provide instruction on any method or technique for committing a terrorist offence or threaten to commit a terrorist offence.
5. USE OF OUR SUBSCRIPTION SERVICE
   1. You may become a supporter of Finbold by paying for our subscription service which allow special access to paid features on the Site and fewer advertisement. Access to the subscription service requires payment of a monthly or annual subscription fee. The amount, billing cycle, and payment methods are detailed on our subscription page. All fees are non-refundable, except as required by law or as specifically stated.
   2. Unless otherwise specified, subscriptions are automatically renewed at the end of each billing cycle. You authorise us to charge the subscription fee for the renewal term to the payment method we have on file for you. You may cancel the automatic renewal of your subscription at any time by contacting our customer service team or through your account settings.
   3. You may cancel your subscription at any time. Cancellation will take effect at the end of the current billing period, and you will have access to the premium service until then. Unless required by law, paid subscription fees are generally non-refundable.
   4. We reserve the right to change the subscription fees at any time. We will provide you with reasonable notice of any such changes. Continued use of the premium subscription service after the fee change comes into effect constitutes your agreement to pay the modified subscription fee amount.
   5. Your use of the subscription service must comply with all applicable laws, rules, and regulations, as well as our Terms of Use and Privacy Policy. We reserve the right to terminate or restrict your access to the subscription service if we determine, in our sole discretion, that your use violates these terms.
   6. We continuously work to improve the subscription service and may add, alter, or remove features or content at our discretion, without notice. We will endeavor to notify you of any significant changes to the service that materially affect your subscription.
6. YOUR RIGHTS TO CLAIM AGAINST US IF WE RESTRICT ACCESS TO YOUR CONTENT
   1. If we restrict access to any content you upload to our service in a way that breaches these terms of service, you have a right to bring a claim against us for breach of contract.
7. WE WILL SUSPEND YOUR SERVICE IF YOU FREQUENTLY UPLOAD ILLEGAL CONTENT
   1. If you frequently upload material that is clearly illegal, we may suspend your access to our service for a reasonable period of time. We will warn you in advance if we plan to suspend you. When deciding whether to suspend you, we will consider:
      1. how many items of clearly illegal content you have uploaded within a given time frame in terms of the volume of other content uploaded by other users during that time;
      2. the gravity of the misuse, including the nature of the illegal content and its consequences (potential or otherwise);
      3. where possible to identify, your intention in posting the material.
   2. If you frequently submit notices or complaints that are clearly unfounded, we may suspend the processing of any further notices or complaints from you for a reasonable period of time. We will warn you in advance if we propose to suspend processing of your notices or complaints. When deciding whether to suspend you, we will consider:
      1. how many items of clearly unfounded notices or complaints you submitted within a given time frame in terms of the volume of other notices or complaints submitted by other users during that time;
      2. the gravity of the misuse;
      3. where possible to identify, your intention in submitting the notices or complaints.
8. YOUR RIGHTS TO CLAIM AGAINST US IF WE SUSPEND OR BAN YOUR USE OF OUR SERVICE
   1. If we suspend or ban you from using our service in a way that breaches these terms of service, you have a right to bring a claim against us for breach of contract.
9. RIGHTS YOU ARE GIVING US TO USE MATERIAL YOU UPLOAD
   1. When you provide, upload or post content to our Site, you grant us the following rights to use that content:
      1. a worldwide, non-exclusive, royalty-free, transferable licence to use, reproduce, distribute, prepare derivative works of, display, and perform that user-generated content in connection with the service provided by the Site and across different media including to promote the Site or the service to expire when the user deletes the content from the Site.
      2. a worldwide, non-exclusive, royalty-free, transferable licence for other users, partners or advertisers to use the content in accordance with the functionality of the Site to expire when the user deletes the content from the Site.
10. WE ARE NOT RESPONSIBLE FOR VIRUSES AND YOU MUST NOT INTRODUCE THEM
    1. We do not guarantee that our Site will be secure or free from bugs or viruses.
    2. You are responsible for configuring your information technology, computer programmes and platform to access our Site. You should use your own virus protection software.
    3. You must not misuse our Site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Site, the server on which our Site is stored or any server, computer or database connected to our Site. You must not attack our Site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Site will cease immediately.
11. RULES ABOUT LINKING TO OUR SITE
    1. You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.
    2. You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
    3. You must not establish a link to our Site in any Site that is not owned by you.
    4. Our Site must not be framed on any other Site, nor may you create a link to any part of our Site other than the home page.
    5. We reserve the right to withdraw linking permission without notice.
    6. The Site in which you are linking must comply in all respects with the content standards set out in our Acceptable Use Policy.
    7. If you wish to link to or make any use of content on our Site other than that set out above, please contact us at the contact details listed above.
12. WHICH COUNTRY’S LAWS APPLY TO DISPUTES
    1. If you are a consumer, please note that these terms of use, their subject matter and their formation, are governed by English law. You and we both agree that the courts of England and Wales will have exclusive jurisdiction except that if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.
    2. If you are a business, these terms of use, their subject matter and their formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.