1. 1. Definitions

   • “User” means any individual or entity accessing or using the Services.
   • “Account” means the user profile created upon registration.
   • “Content” includes all text, graphics, software, and other materials provided through the Services.
   • “Fees” refers to any charges applicable for accessing or using the Services.
   • “Platform” denotes the financial technology functions and related services offered through the platform.
   • “Agreement” means these Terms and Conditions and any additional policies incorporated herein by reference.

2. 2. Acceptance of Terms

   By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by this Agreement and our Privacy Policy. We reserve the right to modify these Terms at any time; your continued use of the Services following any changes constitutes acceptance of those modifications.

3. 3. Eligibility

   You represent and warrant that you are of legal age and have the legal capacity to enter into this Agreement. Use of the Services is void where prohibited by applicable law.

4. 4. Account Registration and Security

   • Registration: To access certain features of the Services, you may be required to create an Account by providing accurate and complete information.
   • Security: You are responsible for maintaining the confidentiality of your Account credentials and for all activities that occur under your Account. Notify us immediately if you suspect any unauthorized use of your Account.

5. 5. Description of Services

   Our Services include the provision of a website and a SaaS platform designed to offer fintech solutions such as [brief description of functionalities, e.g., financial data analysis, portfolio management, payment processing, etc.]. The Services are provided on an “as is” and “as available” basis. We reserve the right to modify, suspend, or discontinue any aspect of the Services at any time without prior notice.

6. 6. Fees, Payments, and Billing

   • Subscription and Payment: Certain features of the Services may require payment. All Fees are due in accordance with our Billing Policy and are non-refundable unless otherwise stated.
   • Changes: We reserve the right to modify our Fees upon notice. Continued use of the Services after such notice signifies your acceptance of the updated Fees.

7. 7. Intellectual Property

   • Ownership: All intellectual property rights, including but not limited to copyrights, trademarks, and proprietary information in the Services, belong to the Company or its licensors.
   • License: We grant you a limited, non-exclusive, non-transferable, revocable license to use the Services solely for your personal or internal business purposes in accordance with this Agreement.
   • Restrictions: You may not copy, modify, distribute, reverse engineer, or otherwise exploit any part of the Services without our prior written consent.

8. 8. User Conduct and Obligations

   • Compliance: You agree to use the Services in accordance with all applicable laws, regulations, and ethical standards.
   • Prohibited Conduct: You must not use the Services to transmit any material that is unlawful, harmful, or infringes upon the rights of others. You also agree not to interfere with or disrupt the integrity or performance of the Services.
   • Accurate Information: You agree to provide and maintain accurate, current, and complete information as required for the operation of your Account.

9. 9. Fintech Specific Disclaimers

   • No Financial Advice: The information and services provided through our platform are for informational purposes only and do not constitute financial, investment, or legal advice. Decisions based on the information provided are made at your own risk.
   • Risk Acknowledgment: You acknowledge that fintech services carry inherent risks, and you should seek independent professional advice before making any financial decisions.

10. 10. Disclaimers and Limitation of Liability

    • Disclaimer of Warranties: The Services are provided “as is” without any express or implied warranties, including but not limited to merchantability, fitness for a particular purpose, or non-infringement.
    • Limitation of Liability: To the fullest extent permitted by law, the Company shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of the Services. The Company’s total liability in any claim shall not exceed the amount paid by you for the Services in the 12 months preceding the claim.

11. 11. Indemnification

    You agree to indemnify, defend, and hold harmless the Company, its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, or expenses (including legal fees) arising out of or related to your use of the Services or violation of this Agreement.

12. 12. Termination

    • By Us: We reserve the right to terminate or suspend your access to the Services immediately, without prior notice, if you breach any part of this Agreement.
    • By You: You may terminate your Account at any time by following the procedures set forth on the platform.
    • Effect of Termination: Upon termination, your right to use the Services will immediately cease, and all provisions of this Agreement which by their nature should survive termination will continue in effect.

13. 13. Governing Law and Jurisdiction

    This Agreement is governed by and construed in accordance with the laws of England and Wales. Any disputes arising from or relating to this Agreement shall be subject to the exclusive jurisdiction of the courts of England and Wales.

14. 14. Dispute Resolution

    • Negotiation: In the event of a dispute, you agree to first attempt to resolve the dispute informally by contacting us.
    • Mediation/Arbitration: If the dispute cannot be resolved amicably, you agree to resolve the dispute through mediation or binding arbitration before pursuing any legal action.

15. 15. Miscellaneous

    • Severability: If any provision of this Agreement is found to be unenforceable, the remaining provisions will continue in full force and effect.
    • Waiver: The failure by either party to enforce any right or provision of this Agreement will not constitute a waiver of future enforcement of that right or provision.
    • Entire Agreement: This Agreement constitutes the entire understanding between you and the Company regarding the Services, superseding any prior agreements or understandings.

16. 16. Contact Us

    For questions, concerns, or requests related to this Privacy Policy, please contact:
    Onyno Limited

    71-75 Shelton Street

    Covent Garden

    London

    WC2H 9JQ

    Email: dpo@onyno.ai

By using our website and SaaS platform, you acknowledge that you have read and understood this Privacy Policy and agree to our data practices as described above.