Welcome to Smart FinTech! These Terms and Conditions (“Terms”) govern your use of smartfintech.com (“the Website”), operated by Smart FinTech (“we,” “our,” or “us”). By accessing and using our Website, you agree to comply with and be bound by these Terms. Please read them carefully before using the Website. If you do not agree with any part of these Terms, you should not use our services or Website.
1. Acceptance of Terms
By accessing or using Smart FinTech, you agree to these Terms and all applicable laws and regulations. This agreement applies to all users of the Website, including visitors, registered users, and customers who may purchase services or subscriptions. If you disagree with any part of these Terms, your sole recourse is to discontinue use of the Website.
Smart FinTech reserves the right to modify or update these Terms at any time. Any changes will be posted on this page, and the “Last Updated” date will reflect the most recent revisions. Continued use of the Website after changes constitutes acceptance of those changes.
2. Use of the Website
You agree to use the Website only for lawful purposes and in a manner that does not infringe the rights of, restrict, or inhibit anyone else’s use of the Website. Prohibited actions include harassing or causing distress or inconvenience to any person, transmitting obscene or offensive content, or disrupting the normal flow of dialogue on the Website.
You must not use the Website in any way that may damage or overburden our systems, introduce viruses, malware, or any other harmful code, or attempt to gain unauthorized access to our services, accounts, or systems.
3. Intellectual Property Rights
All content, materials, and intellectual property on the Website, including but not limited to text, graphics, logos, icons, images, videos, software, databases, and any other materials (collectively, “Content”), are the exclusive property of Smart FinTech or its licensors, and are protected by copyright, trademark, and other intellectual property laws.
- You may view, download, and print content from the Website solely for your personal, non-commercial use. You may not modify, reproduce, distribute, transmit, display, perform, or create derivative works based on the content without our prior written consent.
- Unauthorized use of the content may violate copyright, trademark, and other laws, and could result in legal action.
Trademarks
The trademarks, service marks, and logos displayed on the Website are the registered and unregistered trademarks of Smart FinTech and its licensors. You are not permitted to use these trademarks without the prior written consent of Smart FinTech.
4. User-Generated Content
A. Submission of Content
Smart FinTech may allow users to submit, post, or share content such as comments, feedback, reviews, or other materials (“User-Generated Content”). By submitting User-Generated Content, you represent and warrant that:
- You own or have the necessary rights to submit the content.
- The content does not infringe the intellectual property rights, privacy, or any other rights of third parties.
- The content is not defamatory, offensive, or otherwise illegal.
You grant Smart FinTech a non-exclusive, worldwide, perpetual, royalty-free license to use, display, reproduce, modify, and distribute your User-Generated Content on the Website or in any other media, whether now known or developed later, without compensation to you.
B. Prohibited Content
When submitting User-Generated Content, you agree not to post any content that:
- Contains unlawful, harmful, threatening, abusive, defamatory, or obscene material.
- Violates any third-party rights, including copyright, trademark, privacy, or other personal or proprietary rights.
- Encourages illegal activities or promotes discrimination based on race, gender, religion, nationality, disability, or sexual orientation.
Smart FinTech reserves the right, but is not obligated, to monitor, edit, or remove any User-Generated Content that violates these Terms or is otherwise objectionable in our sole discretion.
5. Disclaimers
A. General Disclaimer
The information provided on the Website is for general informational purposes only. While we strive to ensure that the content is accurate and up-to-date, we make no representations or warranties of any kind, express or implied, about the accuracy, reliability, suitability, or availability of the content or services on the Website.
B. Financial and FinTech Content
Smart FinTech provides insights and educational content related to financial technology, trends, and markets. However, the content on our Website is not intended as professional financial advice or recommendations for specific investments, transactions, or strategies. You should seek independent financial advice before making any decisions based on the information provided on our Website.
C. No Warranty
To the fullest extent permitted by law, Smart FinTech disclaims all warranties, express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. The Website is provided “as is” and “as available” without any guarantee of availability, security, or error-free operation.
6. Limitation of Liability
To the maximum extent permitted by applicable law, Smart FinTech, its affiliates, directors, employees, or agents will not be liable for any direct, indirect, incidental, consequential, or punitive damages, including but not limited to damages for loss of profits, data, or goodwill, arising from your use of the Website or inability to use the Website.
This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other legal theory, even if we have been advised of the possibility of such damages.
In jurisdictions that do not allow limitations of liability, our liability will be limited to the fullest extent permitted by law.
7. Third-Party Links
Our Website may contain links to third-party websites, services, or resources that are not controlled or operated by Smart FinTech. We are not responsible for the content, privacy practices, or any aspect of third-party websites. The inclusion of a link does not imply our endorsement of the third-party website or its operators.
You acknowledge and agree that Smart FinTech is not responsible or liable for any loss or damage caused by your reliance on content or services provided by third parties. You should review the terms and privacy policies of any third-party website before engaging with it.
8. Subscription Services
Smart FinTech may offer subscription services or paid content that provide access to premium FinTech insights, articles, and research. By subscribing to these services, you agree to the following:
- Payment: You will provide valid payment information and authorize Smart FinTech to charge the applicable subscription fees.
- Auto-Renewal: Some subscriptions may renew automatically at the end of the subscription term. You can manage or cancel auto-renewal through your account settings or by contacting us at [support@smartfintech.com].
- Cancellations and Refunds: Subscriptions may be canceled at any time, but refunds are only provided if you cancel within the specified refund window, as detailed in our cancellation policy. If no refund window is specified, no refunds will be issued after the subscription period begins.
9. Indemnification
You agree to indemnify, defend, and hold harmless Smart FinTech, its affiliates, officers, employees, and agents from and against any claims, damages, liabilities, losses, or expenses, including reasonable legal fees, arising out of or related to:
- Your use of the Website or any breach of these Terms.
- Your violation of any third-party rights, including intellectual property or privacy rights.
- Any User-Generated Content you submit that violates these Terms or applicable laws.
10. Governing Law and Jurisdiction
These Terms are governed by and construed in accordance with the laws of Ontario, Canada, without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts located in Toronto, Ontario, Canada, for the resolution of any disputes arising from or related to these Terms or your use of the Website.
If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions will remain in full force and effect.
11. Termination
Smart FinTech reserves the right to suspend or terminate your access to the Website at any time, with or without notice, for any reason, including if we believe you have violated these Terms or applicable laws.
Upon termination, your right to use the Website will immediately cease, and you must destroy any downloaded or printed content obtained from the Website.
12. Changes to the Terms
We reserve the right to update or modify these Terms at any time. Any changes will be effective immediately upon posting on the Website. Your continued use of the Website after any changes are posted constitutes your acceptance of the new Terms.
You should review these Terms periodically to stay informed of any updates. If you do not agree with any modifications, you must stop using the Website.
13. Contact Information
If you have any questions, concerns, or feedback regarding these Terms, please contact us: Email: support@smartfintech.com