Effective Date: October 25th, 2024
Welcome to Fintech Norway (“we,” “us,” or “our”). By accessing or using Fintechnorway.com (the “Site”), you agree to comply with and be bound by these Terms of Service (“Terms”). Please read them carefully before using the Site. If you do not agree to these Terms, you must not use the Site.
1. Acceptance of Terms
By accessing or using any part of the Site, including browsing content, registering for an account, making purchases, signing up for events or newsletters, or submitting comments, you acknowledge that you have read, understood, and agree to be bound by these Terms and all applicable laws. These Terms apply to all visitors, users, and others who access or use the Site.
2. Eligibility
By using the Site, you represent and warrant that:
- You are at least 18 years of age or, if between the ages of 16 and 18, using the Site under the supervision of a parent or legal guardian who agrees to these Terms on your behalf.
- You have the legal capacity to enter into these Terms and form a binding contract with us.
- You will provide accurate and complete information when registering an account or making purchases.
3. User Accounts
3.1 Registration
To access certain features of the Site, including making purchases or participating in events, you may be required to create a user account. You agree to:
- Provide accurate, current, and complete information during the registration process.
- Maintain and promptly update your account information to keep it accurate and complete.
- Keep your password confidential and secure.
- Notify us immediately if you suspect any unauthorized access to your account.
You are responsible for all activities that occur under your account.
3.2 Account Termination
We reserve the right to suspend or terminate your account at any time, without notice, for violating these Terms or engaging in any prohibited activities (see Section 7).
4. Purchases and Payment Terms
4.1 Product Purchases
The Site offers both digital and physical products for sale. By placing an order through the Site, you agree to the following terms:
- All product descriptions and prices are subject to change without notice, at our sole discretion.
- We reserve the right to refuse or cancel any order for any reason, including availability or errors in pricing.
- If your order is canceled, we will notify you and refund any payments made.
4.2 Payment Processing
Payments for purchases are processed through secure third-party payment providers. By submitting your payment information, you authorize us to charge the applicable fees to your payment method. We do not store your payment details on our servers.
4.3 Shipping and Delivery
For physical products, we will make reasonable efforts to ship your order within the timeframe stated at checkout. However, shipping times may vary based on your location and external factors. You are responsible for any customs fees, taxes, or additional charges related to the shipment.
4.4 Refunds and Returns
Refund and return policies for physical and digital products are detailed in our Refund Policy [link to Refund Policy]. Please refer to it for information on how to request a return or refund.
5. Event Registrations
When you sign up for events via the Site, you agree to pay the applicable event registration fees. Event participation may be subject to additional terms and conditions, which will be provided at the time of registration.
6. User Content and Comments
6.1 User Content
You may have the ability to submit comments, reviews, or other content (“User Content”) on the Site, particularly on news articles. By submitting User Content, you grant us a non-exclusive, worldwide, royalty-free, perpetual, and irrevocable license to use, display, reproduce, modify, distribute, and publish your User Content in any media.
6.2 User Conduct
You agree not to submit any User Content that is unlawful, defamatory, obscene, abusive, harassing, or otherwise objectionable. We reserve the right to remove or edit any User Content at our sole discretion.
7. Prohibited Activities
You agree not to engage in any of the following prohibited activities:
- Using the Site for any unlawful purpose.
- Violating any applicable laws or regulations.
- Attempting to interfere with or disrupt the Site’s security features, including unauthorized access to any part of the Site.
- Impersonating another person or entity or misrepresenting your affiliation with any person or entity.
- Spamming or engaging in unsolicited communications with users of the Site.
- Using any automated system (e.g., robots, spiders) to access the Site without our express written permission.
- Uploading viruses or any other malicious code that may compromise the Site’s functionality.
8. Intellectual Property
All content on the Site, including but not limited to text, graphics, logos, images, and software, is the property of Fintech Norway or its licensors and is protected by applicable copyright, trademark, and other intellectual property laws. You agree not to use, reproduce, distribute, or modify any content from the Site without our prior written permission.
9. Third-Party Services
The Site may include links to third-party websites or services, including Google Maps and payment providers. We are not responsible for the content or functionality of these third-party services, and your interactions with them are governed by their respective terms and privacy policies.
10. Privacy
Your use of the Site is also governed by our Privacy Policy, which outlines how we collect, use, and protect your personal information. By using the Site, you consent to the collection and use of your information as described in our Privacy Policy which can be viewed here
11. Disclaimer of Warranties
The Site and all products and services provided through it are offered “as is” and “as available” without any warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
We do not warrant that the Site will be available at all times, secure, or free from errors, viruses, or other harmful components. Your use of the Site is at your sole risk.
12. Limitation of Liability
To the fullest extent permitted by law, we are not liable for any direct, indirect, incidental, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising out of your use of the Site, products, services, or any content provided by us, even if we have been advised of the possibility of such damages.
13. Indemnification
You agree to indemnify and hold us harmless from any claims, liabilities, damages, losses, or expenses, including reasonable attorney fees, arising out of your use of the Site, your violation of these Terms, or your violation of any third-party rights.
14. Governing Law
These Terms are governed by and construed in accordance with the laws of [your country or state], without regard to its conflict of law principles. Any disputes arising from or relating to these Terms or your use of the Site shall be resolved exclusively in the courts of [your jurisdiction].
15. Changes to These Terms
We may update these Terms from time to time at our sole discretion. Any changes will be effective immediately upon posting on this page, with an updated “Effective Date” at the top. Your continued use of the Site after such changes constitutes your acceptance of the revised Terms.
16. Termination
We reserve the right to terminate or suspend your access to the Site, without notice or liability, for any reason, including but not limited to your breach of these Terms.
17. Contact Information
If you have any questions or concerns about these Terms, please contact us at:
Fintech Norway
Org.nr 926 447 424
Lars Hilles gate 20A, 5008 Bergen
daniel@fintechnorway.com
+47 412 86 428
By using this Site, you agree to these Terms of Service.
