Terms and Conditions

PLEASE READ THESE TERMS CAREFULLY BEFORE USING THE SITE

By using our website you agree to accept these terms

• These are our website terms of use relating to your use of our website io (the “Site”).

• It is important that you read these terms before you use the Site. By using the Site, you are agreeing to comply with these terms (and the documents referred to in them). If you do not agree with the terms, you may not use the Site.

• We can make changes to these terms at any time. You are responsible for reviewing any changes and your ongoing use of the Site following any changes constitutes your acceptance of the change.

• You are responsible for ensuring that all persons who access our Site through your internet connection are aware of these terms (and the documents referred to in them), and that they comply with them.

Other applicable terms when you use the Site

Information about us and our contact details

• 3fin.io is a website operated by 3fin Analytics Limited (“We”). We are registered in England and Wales under company number 14891111 and have our registered office at 12 Hasker Street, London SW3 2LG.

• To contact us, please email hello@3fin.io.

You are not allowed to use our name or the website other than as set out in these terms

• 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.

• 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.

• 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.

• Our status (and that of any identified contributors) as the authors of content on our Site must always be acknowledged.

• 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.

• If you print off, copy or download any part of our Site in breach of these terms, 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.

User Generated Content

• All content uploaded or posted to our Site by users (“User Content”) must comply with these Website Terms of Use.

• Any facts comprised in User Content must be accurate and any opinions must be genuinely held.

• User Content must comply with all applicable laws in England and Wales and in any other country from which such User Content can be viewed and not be in contempt of court.

• User Content must not:

• be defamatory of any person; be obscene, offensive, hateful or inflammatory; be threatening, abuse or invade another's privacy, or cause annoyance, inconvenience or needless anxiety; promote violence or any illegal content or activity; or bully, insult, intimidate, humiliate, harass, upset, embarrass, alarm or annoy any other person;

• include pornographic, indecent, obscene, or child sexual abuse material;

• promote discrimination of any kind, including discrimination based on race, sex, religion, nationality, disability, sexual orientation or age;

• infringe any intellectual property rights;

• be likely to deceive any person, or give the impression that your contribution emanates from us if this is not the case;

• breach any legal duty owed to a third party, such as a contractual duty or a duty of confidence;

• impersonate any person or organisation or misrepresent your identity or affiliation with any person or organisation;

• advocate, promote, incite any party to commit, or assist any unlawful or criminal act such as (by way of example only) copyright infringement or computer misuse, or contain a statement which you know or believe, or have reasonable grounds for believing, that members of the public to whom the statement is, or is to be, made are likely to understand such statement as constituting a direct or indirect encouragement or other inducement to the commission, preparation or instigation of acts of terrorism; or

• contain any advertising or promote any products, services, websites or resources provided by you or third parties.

• You agree to not use the Site to generate unsolicited advertisements or spam, or to use any automatic or manual process to search or harvest information from the Site.

• If you post User Content, you warrant that any User Content complies with the standards set out in these T&Cs and you will be liable to us and indemnify us for any breach of this warranty. This means you will be responsible for any loss or damage we suffer as a result of your breach of warranty.

• If you access User Content, you accept that we are not responsible for such User Content and therefore make no representations, warranties or guarantees, whether express or implied, that the User Content is accurate, complete or up to date.

• We have the right to immediately remove (temporarily or permanently) any posting you make on (or messages you send through) the Site, if, in our sole discretion, we believe your posts or messages do not comply with the standards set out in these Website Terms of Use.

• Unless otherwise agreed, you retain all of your ownership rights in content you upload or post to our Site (including User Content) .

• You accept that we reserve the right to disclose your identity to any third party who is claiming that any content posted or uploaded by you to our Site constitutes a violation of their Intellectual Property Rights, or of their right to privacy.

• You agree not to distribute or make available any User Content uploaded or made available by us or other users of the Site.

• You are solely responsible for securing and backing up your content.

Changes to our Site and your access to it

• Our Site is made available free of charge. Any services you wish to purchase from 3fin shall be agreed in a separate contract.

• We may update and change our Site from time to time and we may change the content. We make no guarantee that the Site, or any content on it, will be free of errors or omissions.

• 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 without notice.

You are responsible for keeping your account details safe

• If you choose, or you are provided with, login details, 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.

• We have the right to disable any login details 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.

• If you discover, or suspect, that anyone other than you knows your login details you must promptly change your password. If you need any help with the security of your account, please email us at hello@3fin.io. We have the right to suspend or disable your account for any reason, including security reasons, if you are in breach of these terms.

No reliance on information & links to third party sites

• 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 based on the content on our Site.

• 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.

• Where our Site contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them. We have no control over the contents of those third-party sites or resources.

Linking to our Site

• 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.

• 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.

• You must not establish a link to our Site in any website that is not owned by you.

• 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.

• We reserve the right to withdraw linking permission without notice.

• If you wish to make any use of content on our Site other than that set out above, please contact hello@3fin.io.

Viruses

• We do not guarantee that our Site will be secure or free from bugs or viruses.

• You are responsible for configuring your information technology, computer programmes and platform to access our Site. You should use your own virus protection software.

• 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.

Responsibility for loss or damage

• Whether you are a consumer or a business user:

• 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. – is this needed? We only deal with businesses or sole traders

• Different limitations and exclusions of liability will apply to liability arising as a result of the supply of any services to you, which will be set out in separate Terms and Conditions.

• If you are a business user:

• We exclude all implied conditions, warranties, representations or other terms that may apply to our Site or any content on it.

• 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:

• use of, or inability to use, our Site; or

• use of or reliance on any content displayed on our Site.

• In particular, we will not be liable for:

• loss of profits, sales, business, or revenue;

• business interruption;

• loss of anticipated savings;

• loss of business opportunity, goodwill or reputation; or

• any indirect or consequential loss or damage.

A few final important points to note

• 018893485 are EU registered trademarks of 3fin. You are not permitted to use them without our approval, unless they are part of material that you are using as permitted by these Website Terms of Use.

• 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 these terms.

• If any provision or part-provision of these terms is or becomes invalid, illegal or unenforceable, it shall be deemed modified to the minimum extent necessary to make it valid, legal and enforceable. If such modification is not possible, the relevant provision or part-provision shall be deemed deleted. Any modification to or deletion of a provision or part-provision under this clause shall not affect the validity and enforceability of the rest of these terms.

• Our Site is directed to people residing in the United Kingdom. We do not represent that content available on or through our Site is appropriate for use or available in other locations.

• These terms, 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.

• This is a contract between us, and only you and us can enforce its terms.