Terms of Use

1. Acceptance of These Terms

These Terms of Use (“Terms”) govern your access to and use of the website operated by FinCloud Marketing OÜ (“FinCloud Marketing”, “we”, “us”, or “our”) and any content, functionality, and services offered on or through it (collectively, the “Website”).

By accessing or using the Website, you agree to be bound by these Terms. If you do not agree with these Terms, you must not use the Website.

2. About FinCloud Marketing

FinCloud Marketing OÜ is a marketing services company focused primarily on digital and performance marketing for financial and online businesses.

Company details:
FinCloud Marketing OÜ
Jakobsoni tn 7/1-22, 10128 Tallinn, Estonia

These Terms apply only to your use of this Website. If you enter into a separate written agreement with us for marketing or other services, that agreement will govern in case of any conflict with these Terms.

3. Eligibility and Acceptable Use

The Website is intended for business and professional users aged 18 or older. By using the Website, you represent that you are at least 18 years of age and have the authority to bind the business or organisation you represent.

You agree that you will not:

• Use the Website in any way that violates applicable law or regulation;
• Use the Website for any fraudulent, misleading, or harmful purpose;
• Attempt to gain unauthorised access to the Website or related systems;
• Interfere with or disrupt the integrity or performance of the Website;
• Use any automated means (robots, scrapers, etc.) to access the Website, unless explicitly permitted;
• Upload or transmit any malware, viruses, or other malicious code.

4. No Investment, Legal, or Tax Advice

The content on this Website is provided for general informational and marketing purposes only. Nothing on the Website constitutes or should be interpreted as:

• Investment advice or a recommendation to buy, sell, or hold any financial product;
• Legal, tax, accounting, or regulatory advice;
• Professional advice tailored to your individual situation.

You are solely responsible for obtaining independent professional advice before making any business, financial, or legal decisions based on content from the Website.

5. No Guarantee of Results

Any case studies, examples, or performance figures presented on the Website are illustrative only. They do not guarantee or predict any particular result for your own campaigns, business, or marketing activities.

Your results may vary depending on numerous factors, including but not limited to your offer, market conditions, budget, compliance requirements, and the quality of your website or product.

6. Intellectual Property Rights

Unless otherwise indicated, all content on the Website—including text, graphics, logos, icons, images, audio clips, video clips, design, layout, and underlying code— is owned by or licensed to FinCloud Marketing and is protected by copyright, trademark, and other intellectual property laws.

You may:

• View and temporarily store pages from the Website for your own internal business use;
• Print occasional copies of content for internal use, provided that all copyright and proprietary notices are preserved.

You may not, without our prior written consent:

• Reproduce, distribute, modify, or publicly display any substantial part of the Website content;
• Use any trademarks, logos, or trade names displayed on the Website;
• Create derivative works based on the Website or its content;
• Use the Website content in a competing service.

7. Information You Provide

If you submit any information to us through the Website (such as contact forms, enquiries, or feedback), you are responsible for ensuring that the information is accurate and does not infringe any third-party rights.

By submitting information, you grant us a non-exclusive, worldwide, royalty-free licence to use that information for the purpose of responding to your request, providing services, or improving our Website and business, in accordance with our Privacy Policy.

8. Third-Party Websites and Services

The Website may contain links to third-party websites or services that are not owned or controlled by FinCloud Marketing. We do not endorse or assume any responsibility for the content, privacy policies, or practices of third parties.

Your use of third-party websites or services is at your own risk and subject to the terms and policies of those third parties.

9. Privacy and Cookies

Your use of the Website is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal data, and our use of cookies and similar technologies.

By using the Website, you acknowledge that you have read and understood our Privacy Policy.

10. Disclaimers

The Website and its content are provided on an “as is” and “as available” basis. To the fullest extent permitted by applicable law, we make no representations or warranties of any kind, express or implied, regarding:

• The accuracy, completeness, or timeliness of the content;
• The availability, security, or error-free operation of the Website;
• The suitability of the Website or its content for any particular purpose.

We do not warrant that the Website will be free from viruses, malware, or other harmful components. You are responsible for implementing appropriate safeguards (such as antivirus software and backups) to protect your systems.

11. Limitation of Liability

To the fullest extent permitted by applicable law, FinCloud Marketing, its directors, employees, and agents shall not be liable for any:

• Indirect, incidental, special, consequential, or punitive damages; or
• Loss of profits, revenue, opportunities, data, or goodwill,

arising out of or in connection with your use of, or inability to use, the Website or its content, even if we have been advised of the possibility of such damages.

Where liability cannot be excluded under mandatory law, our total aggregate liability arising out of or in connection with the Website shall be limited to the amount of EUR 100 (one hundred euros).

12. Indemnification

You agree to indemnify, defend, and hold harmless FinCloud Marketing and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in any way connected with:

• Your use of the Website;
• Your breach of these Terms; or
• Your violation of any applicable law or third-party rights.

13. Changes to the Website and These Terms

We may update, modify, or discontinue any part of the Website at any time, with or without notice.

We may also update these Terms from time to time. The latest version will always be available on this page and the “Last updated” date at the top will reflect the date of the most recent changes.

By continuing to use the Website after changes to the Terms are published, you agree to be bound by the updated Terms.

14. Governing Law and Jurisdiction

These Terms and any dispute arising out of or in connection with your use of the Website shall be governed by and construed in accordance with the laws of Estonia, without regard to its conflict of law principles.

The courts of Tallinn, Estonia, shall have exclusive jurisdiction over any disputes arising out of or relating to these Terms or the use of the Website, subject to any mandatory provisions of applicable law.

15. Contact Details

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

FinCloud Marketing OÜ
Jakobsoni tn 7/1-22
10128 Tallinn
Estonia
Email: info@fincloud.com