Terms and Conditions

Last update: [10/06/2024]

This Terms and Conditions (herein referenced as either “Terms” or T&C”) has been elaborated by FinArch, based in the Kingdom of Saudi Arabia, domiciled at Mohammed bin Saleh street, 3115 Arid district, 13335 email address [PLEASE COMPLETE], (herein referenced as either “Company”, “we”, “us”, “our”). This Website  http://www.FinArch.net (herein referenced as either “Website” or “Site”), has been created to provide fintech solutions and strategic consulting trough opinions and opinions practices write-ups in two main domains: digital transformation and people competency, as better described on the Website (the “Services”). The use of the Website and the Services is subject to the following Terms.

For the purposes of this document, the term “User” includes registered users and visitors who access the Website in any manner. Users shall carefully read these T&Cs and our Privacy Policy before accessing and using the Website and the Services as their use of the same is understood as their acceptance of these Terms. If you do not agree with these Terms, in whole or in part, you must leave the Website and refrain from using the Services.

Please visit this section frequently as this document may be updated and or modified pursuant to the Company’s sole discretion and without prior notice. By visiting or using the Site you agree to be bound by the latest version of the T&Cs. If the changes we make to these T&Cs increase your responsibilities or reduce your rights, we will promptly notify you in advance.

If you would like to receive more information, make suggestions or file complaints regarding these T&Cs, you can do so by sending an email to: [PLEASE COMPLETE WITH EMAIL]

WE RESERVE THE RIGHT TO CHOOSE MARKETS AND JURISDICTIONS TO CONDUCT BUSINESS AND MAY RESTRICT OR REFUSE, AT OUR SOLE DISCRETION, THE PROVISION OF THE SERVICES IN CERTAIN COUNTRIES OR REGIONS. THIS DOCUMENT AFFECTS YOUR OBLIGATIONS AND LEGAL RIGHTS, INCLUDING, BUT NOT LIMITED TO, WAIVERS OF RIGHTS AND LIMITATION OF LIABILITY.

CONDITIONS FOR USE

You have to be at least 18 years old to access and use the Website and the Services. If you are under 18, you must leave the Site now.

By using the Website, you agree to comply with these T&Cs. The access to the Website and use of the Services are exclusive to individuals over 18 years old and those who have accepted these T&Cs.

You agree not to use the Site in any way that causes, or may cause, damage to the Site or impairment of the availability or accessibility of the Site or the Services, or in any other way which is unlawful illegal, fraudulent, unethical, or harmful to the Company, other Users, or third parties. If we find you in violation of this section or suspect that you are violating these Terms, we reserve the right to suspend or terminate your use of the Site. The Company will not be liable to you for any damages or losses this may cause you. We reserve the right to investigate complaints or reported violations of these T&Cs and to take any action we deem appropriate, including but not limited to reporting any suspected unlawful activity to law enforcement officials, regulators, or other third parties, and disclosing any information necessary or appropriate to such persons or entities relating to your profile, email addresses, usage history, materials, IP addresses, and traffic information, as allowed under our Privacy Policy.

ACKNOWLEDGEMENT AND ASSUMPTION OF RISKS

You acknowledge and understand that your use of the Website and the Services is at your own risk. The information, products, and Services included in or available through the Website may include inaccuracies or typographical errors. The Company will not be responsible for any failures, disruptions, errors, distortions, or delays you may experience when using the Website or the Services whatever the cause might be.

We reserve the right to modify, suspend, or discontinue any aspect of the Website and the Services at any time without notice. We do not guarantee that the Website will be available at all times or that it will be error-free or uninterrupted.

INTELLECTUAL PROPERTY

All content, including but not limited to text, and images downloaded from the Website are the exclusive intellectual property of the Company. By accessing and using the Site, you agree not to reproduce, duplicate, copy, sell, resell, or exploit any portion of the content without the Company's express written permission. Any unauthorized use or violation of our intellectual property rights may result in legal action and prosecution to the fullest extent of the law. The Company reserves the right to take legal action against any User who breaches these Terms.

THIRD-PARTY CONTENT AND SERVICES

The Company might rely on third-party websites and/or services and applications or display on the Website links, content, data, information, or materials from third parties. You are advised that you will be subject to their terms and conditions whenever you access and use a third-party website or application from the Website. The Company in no event will be liable for your use, misuse, or malfunction of any third-party website and/or services and applications as we do not review, approve, monitor, endorse, warrant, or make any representations with respect to any third-party website, services and/or applications. Users shall access and use third-party websites and/or services and applications at their own risk.

REPRESENTATIONS AND WARRANTIES

By using the website and/or its services you represent and warrant that:

i. If you are a physical person you are at least 18 years old or are of legal age. If you are acting as an employee or agent of a legal entity you have all the necessary rights and authorizations to bind such legal entity.

ii.  have read and consented to these T&Cs and the validity and accuracy of all information supplied to the Company at any time;

iii. will not use the Website and/or the Services in a manner that negatively affects other Users, could bring the Website into disrepute, or violates any law or regulation of any jurisdiction;

iv.  ou will indemnify the Company and hold the Company harmless against all claims that arise from your use or misuse of the Website, the Services, and/or your breach of these T&Cs;

v.  you understand that your use of the Services is at your sole risk;

vi.  you understand that you are responsible for the payment of all taxes, fees, and charges imposed on or based upon the use of the Website;

 vii.  ou understand that you are solely responsible for any content or you submit through the Website.

PRIVACY

We respect your privacy and are committed to ensuring the safety of your Personal Information. For details on how we do this, please carefully read our Privacy Policy.

ACCOUNT REGISTRATION & REQUIREMENTS 

To access the Services, you might be required to create an account on the Website (the “User Account”). You will be asked to provide Personal Information, which storage, use, and dissemination is governed by our Privacy Policy. You agree to provide complete and accurate information and to timely update any information provided to maintain the integrity and accuracy of the information. 

Once the User Account is created, you may be asked to verify the account information. We reserve the right to reject the creation of your account if the verification is not satisfactory. We reserve the right to deny the creation of your account, at our sole discretion and without cause. You are entitled to only maintain one User Account at any given time.

You are solely responsible for maintaining the security of your User Account, as you are completely responsible for your account activity, including activity that occurred under unauthorized access to your User Account. If you lose access to a User Account or request information about a User Account, we reserve the right to request any verification information we deem necessary before restoring access to or providing information about such User Account such as your name, email address, contact information, phone number, username, etc. We might also conduct necessary investigations directly or through a third party. You have the right to delete your User Account  at any time, however, your exercise of such right, will not apply retroactively. 

SECURITY

You must immediately notify us upon becoming aware of any unauthorized access or any other security breach to the Website or your User Account and do everything possible to mitigate the unauthorized access or security breach (including preserving evidence and notifying appropriate authorities). Your User Account is yours only and you must not share your password with others. You are solely responsible for securing your password. We will not be liable for any loss or damage arising from unauthorized access to your User Account.

THE SERVICES

You may use the Services pursuant to these Terms. We reserve the right to add or remove any Service without any prior notice or consent from you. The Company may stop providing the Services without any prior notice and we will not be responsible for any damage or loss this might cause you. The Company, at its sole discretion, shall establish the content layout, format, function, access rights, and any other restrictions or conditions regarding the Services. The Company reserves all rights not expressly granted in these Terms.

a)      Cancellation

The company may cancel your request if you are found in violation of these T&Cs. In case of cancellation, all funds will be held until the decision of the compliance team. If you are found in violation, the compliance team may issue a decision that will be final and you might not be eligible for a refund. We might notice the competent judicial or governmental authorities.

b)     Fees

You agree to pay the Company the fees specified on the Website or individual communications to you for the Services. The Company may, at its sole discretion, update the fees at any time without notice. Any updated fees will apply to requests that occur following the effective date of the updated fees.

c) Refunds

All sales are final and we do not grant any refunds to Users. Errors made by third-party payment providers or errors caused by your incorrect input of required information are not eligible for a refund. In these cases, you will need to contact the relevant provider directly to resolve the issue and receive a refund.

PAYMENT METHODS

We may use third-party vendors and service providers to process payments. By using the Services, you authorize us to collect and process payment through third-party services. If applicable, we may also ask for your address or other personal information in order to complete the transaction. All your Personal Information will be stored and processed pursuant to our Privacy policy.

By providing payment information you represent, warrant, and covenant that: (i) you are legally authorized to provide such information; (ii) you are legally authorized to make and/or receive payments using the provided payment method(s); (iii) if you are an employee or an agent of a company or person that owns the payment method, you are authorized by the company or person to use such payment method to make payments to the Company and; (iv) Such actions do not violate the terms and conditions applicable to your use of such payment method or applicable law. When you authorize a payment using a payment method via the Site, you represent and warrant that there are sufficient funds to complete the payment, if not, you are solely responsible for paying such amounts by other means.

Because the use of any payment method may be limited by applicable law or by a written agreement, the Company is not liable to you if it does not complete a transaction as a result of any such limit, or if a financial institution or a payment device system fails to honor any credit or debit to or from an account associated with such a payment method. The Company will make commercially reasonable efforts to work with any such affected Users to resolve such transactions.

FOREIGN CURRENCY CONVERSION

The site Services operate in [COMPLETE WITH CURRENCY]. If your payment method is denominated in a currency other than [COMPLETE WITH CURRENCY] and requires currency conversion to make payments in [COMPLETE WITH CURRENCY]. The foreign currency conversion rates adjust regularly based on market conditions. User, at its sole discretion and risk, may authorize the charge or debit of its payment method in a supported foreign currency and the conversion of the payment to [COMPLETE WITH CURRENCY] at the foreign currency conversion rate displayed on the site.

LICENSE

Provided that you constantly comply with the express terms and conditions stated in these Terms, you are granted a revocable, limited, royalty-free, non-exclusive, non-transferable, and non-sublicensable license to access and use the Services through your computer, phone, or tablet for your personal/internal purposes. You are prohibited to use the Services for resale or commercial purposes, including transactions on behalf of other persons or entities.

TRADEMARKS

You may not use, or permit the use of, any trademarks, trade names, or service marks in connection with the Company except those outlined herein, is a fair usage or except as we otherwise directed in writing.

DISCLAIMER

The Site and the Services and all details, content, materials, and products are provided “as is” and on an “as available” basis. The Company makes no representations or warranties about the Site or the Services. To the maximum extent permitted by applicable law, the Company disclaims all express and implied conditions, representations, and warranties including, but not limited to, the warranties of merchantability, accuracy, fitness for a particular purpose, title, and non-infringement.

The company makes no guarantees, representations, or warranties of any kind, express or implied, as regards (i) the Website and associated technology; (ii) merchantability, fitness for a particular purpose, non-infringement of intellectual property or other violation of rights, or course of performance of the Services; (iii) results arising from the Services, the Website or other such materials offered on the Site; (iv) the accuracy, reliability, completeness, or timeliness of the User-submitted details or information; (v) any information, materials, products or Services made available to you through the Site.

Users agree not to rely on any information on the Site or the Services. The Company shall not be responsible for any loss or damage to any user caused by its use of the Site or the Services. You hereby agree that you are using the Website or the Services at your own risk and that the Company will not be responsible for any loss or damage you suffer caused for any reason by any party nor for the outcomes of your decisions based on the information provided on the Website and/or the Services.

The publication, distribution, or dissemination of information on the Website and/or the Services does not imply that applicable laws or regulations have been complied with, as no regulatory authority of any jurisdiction has reviewed or approved the content.

The information provided on the Website and the Services is for informational purposes only and should not be considered financial/legal or any kind of advice. We do not provide investment advice, tax advice, or legal advice. Any decisions you make based on the information provided on the Website and/or the Services are solely your responsibility. We are not responsible for the actions, decisions, or other acts carried out by Users by virtue of the information contained in the Website or the Services. There is no assurance as to the accuracy or completeness of the information contained in the Website and/or the Services and no representation or warranty is provided as to the accuracy or completeness of such information.

By using the Services you acknowledge having conducted your own due diligence according to the law applicable to you and acknowledge that you assume all risks associated with the engagement of the Services, including those not detailed in this document. Therefore, you acknowledge being aware of the absence of any possible legal action against the Company for the provision of the Services or any damages you might suffer in connection thereof.

LIABILITY

You are advised that the website can be closed anytime for reasons out of the Company’s control. In the event that this happens, the Company shall not be liable to you and you shall bear all costs of damages or losses incurred. The Company does not warrant access to or use of the Website or the Services.

To the maximum extent permitted by applicable law, the Company shall not be liable to you for any loss or damages, whether direct, indirect, incidental, special, punitive, consequential, or exemplary (including damages for lost profits, goodwill, use or data) arising from this T&Cs, the Site, or the Services whether caused by tort (including negligence), breach of contract, or otherwise, even if foreseeable and notwithstanding the extent to which the Company has been advised of the possibility of such damages.

The Company shall not be liable for loss or damages, whether direct, indirect, incidental, special, punitive, consequential, or exemplary (including damages for lost profits, goodwill, use, or data) arising from any violation of these T&Cs. You guarantee to use the Site only in a legal way. You agree to comply with all applicable domestic and international laws, statutes, ordinances, and regulations regarding your use of the Website.

Under no scenario shall the Company liability developing from or in connection with the Website or your use of the Website, despite the reason for action (whether in agreement, tort, breach of service warranty, or otherwise), go beyond $100.

TERMINATION

We reserve the right to terminate your access to the Website or the Services at any time and without prior notice. The company shall not be liable to you for any damages or losses this may cause you.

All provisions of these T&Cs shall survive termination. If you wish to terminate your engagement with us, you may simply stop using the Website and the Services.

ELECTRONIC COMMUNICATION

If necessary, we will contact you via email. For legal purposes, these electronic communications will be understood as written communications.

CONTACT US

If you have any questions about these Terms, please Contact us at: [saeed@finarch.net]