Terms & Conditions

1. Acceptance of Terms

Welcome to Finlume. These Terms and Conditions ("Terms") govern your access to and use of the Finlume website located at finlume.site (the "Site") and all related services, content, and functionality provided by Finlume ("we," "us," or "our").

By accessing or using our Site, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access or use our Site.

2. Eligibility

You must be at least 18 years old to use our Site. By using our Site, you represent and warrant that:

• You are at least 18 years of age
• You have the legal capacity to enter into these Terms
• You will comply with all applicable laws and regulations
• All information you provide is accurate, current, and complete

3. Description of Services

Finlume provides educational content and resources related to personal finance, financial clarity, and financial transparency. Our services include:

• Educational articles and white papers on financial topics
• Financial literacy resources and tools
• Blog content covering various aspects of personal finance
• Email newsletters and communications
• General financial information and insights

4. No Financial Advice Disclaimer

4.1 Educational Content Only

All content on our Site, including articles, white papers, blog posts, and other materials, is provided for general informational and educational purposes only. This content:

• Does NOT constitute financial advice, investment advice, tax advice, legal advice, or professional consultation
• Should NOT be relied upon as the sole basis for making financial decisions
• Does NOT create an advisor-client relationship between you and Finlume
• May not be suitable for your specific financial situation or needs

4.2 No Guarantees

We make no representations or warranties regarding:

• The accuracy, completeness, or timeliness of information on our Site
• The suitability of any information for your specific circumstances
• Financial outcomes or results from applying information from our Site
• The performance of any financial strategies or recommendations discussed

4.3 Professional Consultation Required

Before making any financial decisions, you should:

• Consult with qualified financial advisors, tax professionals, and legal counsel
• Consider your unique financial situation, goals, and risk tolerance
• Conduct your own research and due diligence
• Verify all information independently

5. User Accounts and Registration

5.1 Account Creation

Some features of our Site may require you to create an account. When creating an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Keep your password secure and confidential
• Notify us immediately of any unauthorized use of your account
• Accept responsibility for all activities that occur under your account

5.2 Account Termination

We reserve the right to suspend or terminate your account at any time, with or without notice, for any reason, including violation of these Terms.

6. Intellectual Property Rights

6.1 Our Content

All content on the Site, including text, graphics, logos, images, audio clips, digital downloads, data compilations, and software, is the property of Finlume or its content suppliers and is protected by copyright, trademark, and other intellectual property laws.

6.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to:

• Access and use the Site for personal, non-commercial purposes
• Download white papers and educational materials for personal use
• Print individual pages for personal reference

6.3 Restrictions

You may NOT:

• Reproduce, distribute, modify, or create derivative works from our content
• Use our content for commercial purposes without written permission
• Remove copyright or other proprietary notices
• Frame or mirror any part of the Site
• Use automated systems or software to extract data from the Site (scraping)

7. User Conduct and Prohibited Activities

You agree NOT to:

• Violate any applicable laws or regulations
• Infringe upon the rights of others
• Transmit any harmful code, viruses, or malicious software
• Attempt to gain unauthorized access to our systems or networks
• Interfere with or disrupt the Site or servers
• Impersonate any person or entity
• Collect or store personal data about other users
• Use the Site for any fraudulent or unlawful purpose
• Harass, abuse, or harm other users
• Post false, misleading, or defamatory content

8. Third-Party Links and Content

Our Site may contain links to third-party websites or resources. We provide these links for your convenience, but:

• We do not control or endorse third-party sites
• We are not responsible for their content, accuracy, or practices
• Your use of third-party sites is at your own risk
• Third-party sites are subject to their own terms and privacy policies

9. Disclaimer of Warranties

TO THE FULLEST EXTENT PERMITTED BY LAW, THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability, fitness for a particular purpose, or non-infringement
• Warranties regarding accuracy, reliability, or completeness of content
• Warranties that the Site will be uninterrupted, timely, secure, or error-free
• Warranties regarding results obtained from using the Site

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, FINLUME AND ITS DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or use
• Financial losses resulting from use of or reliance on Site content
• Damages arising from unauthorized access to your data
• Any damages exceeding the amount you paid us (if any) in the past 12 months

This limitation applies regardless of the legal theory (contract, tort, negligence, strict liability, or otherwise) and whether or not we have been advised of the possibility of such damages.

11. Indemnification

You agree to indemnify, defend, and hold harmless Finlume and its officers, directors, employees, agents, affiliates, and partners from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your use of the Site
• Your violation of these Terms
• Your violation of any rights of another party
• Your violation of any applicable laws or regulations
• Any content you submit or transmit through the Site

12. Privacy and Data Protection

Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

13. Communications

13.1 Electronic Communications

By using our Site, you consent to receive electronic communications from us, including:

• Emails regarding your account or use of services
• Newsletters and educational content
• Marketing communications (which you may opt-out of)
• Updates to our Terms or Privacy Policy

13.2 Opt-Out

You may opt-out of marketing emails by:

• Clicking the "unsubscribe" link in any marketing email
• Contacting us directly at [email protected]
• Updating your account preferences (if applicable)

14. Modifications to Terms

We reserve the right to modify these Terms at any time. When we make changes, we will:

• Update the "Last Updated" date at the top of this page
• Post the revised Terms on the Site
• Notify users of material changes via email or Site notice

Your continued use of the Site after changes become effective constitutes your acceptance of the revised Terms. If you do not agree to the modified Terms, you must stop using the Site.

15. Termination

15.1 Termination by You

You may stop using the Site at any time. If you have an account, you may request deletion by contacting us.

15.2 Termination by Us

We may suspend or terminate your access to the Site immediately, without prior notice or liability, for any reason, including:

• Violation of these Terms
• Fraudulent or illegal activity
• Requests by law enforcement or government agencies
• Discontinuation or material modification of the Site

15.3 Effect of Termination

Upon termination:

• Your right to use the Site immediately ceases
• Provisions that by their nature should survive (disclaimers, limitations of liability, indemnification) will remain in effect

16. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the Netherlands, without regard to its conflict of law provisions.

Any disputes arising from these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the courts located in the Netherlands.

17. Dispute Resolution

17.1 Informal Resolution

Before filing a formal dispute, you agree to contact us at [email protected] to attempt to resolve the issue informally.

17.2 Arbitration

If informal resolution is unsuccessful, any dispute shall be resolved through binding arbitration in accordance with the arbitration rules of the Netherlands, except where prohibited by law.

17.3 Class Action Waiver

You agree that disputes will be resolved on an individual basis and waive any right to participate in class action lawsuits or class-wide arbitration.

18. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it enforceable.

19. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published on the Site, constitute the entire agreement between you and Finlume regarding your use of the Site and supersede all prior agreements and understandings.

20. Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. Any waiver must be in writing and signed by an authorized representative of Finlume.

21. Assignment

You may not assign or transfer these Terms or your rights and obligations under them without our prior written consent. We may freely assign these Terms without restriction.

22. Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including acts of God, natural disasters, war, terrorism, pandemics, labor disputes, or government actions.

23. Contact Information

24. Acknowledgment

BY USING OUR SITE, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS, UNDERSTAND THEM, AND AGREE TO BE BOUND BY THEM. YOU FURTHER ACKNOWLEDGE THAT THESE TERMS REPRESENT THE COMPLETE AND EXCLUSIVE STATEMENT OF THE AGREEMENT BETWEEN YOU AND FINLUME.

These Terms & Conditions are designed to protect both Finlume and our users. Please read them carefully and contact us if you have any questions.