TERMS & CONDITIONS

I. GENERAL

1.1 These terms (the “Terms”) govern your (“You,” “Your,” or “User”) use of the https://finera.com (the “Website”), a website operated by Finera (“Finera”, “We,” “Us,” or “Our”).

1.2 These Terms govern Your use of the Website. These Terms should be read carefully by You in their entirety prior to Your use of the Website. Please note that these Terms constitute a legally binding agreement between You and Us, and that if You do not agree with any provision of these Terms, You shall immediately cease using the Website. By using the Website, You agree to the Terms, as amended from time to time. The use of Our Services is subject to specific terms to be entered between US and the User.

1.3 These Terms incorporate Our Privacy Policy and by agreeing to these Terms, You confirm that You also accept and agree to Our Privacy Policy (You can review our Privacy Policy by clicking here).

2. ELIGIBILITY

2.1 You are only entitled to use the Website, if You comply with all of the following:

2.1.1 You are at least 18 years old;

2.1.2 You have the right, authority and capacity to enter into these Terms and to abide by all the terms and conditions of these Terms;

2.1.3 You are not prohibited from using the Website pursuant to the laws of the country in which You reside or located while using the Website.

3. PROHIBITED ACTIVITIES

3.1 You undertake to use the Website in a respectful manner, and You undertake not to:

3.1.1 Use the Website for the purpose of uploading, downloading, distributing, publishing or transmitting:

(a) information or other material in a manner that violates any rights, including intellectual property rights, protection of privacy rights or any other right;

(b) information or other material that is prohibited for publication or use because it constitutes threat, harm, insult, slander, defamation, racism or inappropriate content;

(c) information or other material that includes a virus or other software that may damage Our computer systems or of any third parties or in a manner that may restrict or prevent others from using the Website;

(d) information or other material that violates any law;

(e) information or other material that includes an advertisement of any kind without Our prior written permission;

3.1.2 Delete or modify any attributions, legal notices or other proprietary designations or labels on the Website;

3.1.3 Interfere with other Users’ use of the Website;

3.1.4 Engage in “framing,” “mirroring,” or otherwise simulating the appearance or function of the Website;

3.1.5 Use bots or other automated methods to access or use the Website;

3.1.6 Upload or transmit (or attempt to upload or to transmit), without Our express permission, any material that acts as a passive or active information collection or transmission mechanism, including, without limitation, web bugs, cookies or other similar spyware devices;

3.1.7 Violate any applicable laws or regulations, encourage or promote any illegal activity including, but not limited to, copyright infringement, trademark infringement, defamation, invasion of privacy, identity theft, hacking, cracking or distribution of counterfeit software;

3.1.8 Make any changes or interfere in any way in the source code of the Website and upload any software or application that may harm or cause damage to Us, the Website or any other third party;

3.1.9 Disassemble, decompile or otherwise reverse engineer any software or other technology included or used in the Website; or encourage or induce any other person to engage in any of the activities prohibited under this Section.

3.2 You acknowledge that without prejudice to any other right of Ours, in case that We are concerned that Your use of the Website does not comply with the provisions of these Terms or any applicable law, We may track Your use of the Website, prevent You from accessing the Website, transfer Your behaviour patterns on the Website to third parties, and any other action that We may deem appropriate to protect Our property or rights or rights of third parties.

4. INTELLECTUAL PROPERTY RIGHTS

4.1 The Website and its content, video materials, text, photos, logos, any graphical display of data, designs, sound, figures, analysis, statistics, trademarks and any other content embodied in the Website are protected by Our intellectual property rights or of third parties.

4.2 As between You and Us, We retain all right, title and interest in and to the Website. The use of the Website does not confer on You any of the intellectual property rights embodied in the Website, other than the right to use the Website in accordance with these Terms.

4.3 You shall not, nor shall You allow any other party to modify, decompile, disassemble, reverse engineer, copy, transfer, create derivative works from, rent, sub-license, distribute, reproduce framed, republish, scrape, download, display, transmit, post, lease or sell in any form or by any means, in whole or in part, use for any purpose other than for using the Website pursuant to the Terms or otherwise exploit any of the contents of the Website without Our explicit, prior written permission.

5. LIMITATION OF LIABILITY

5.1 Your use of the Website shall be at Your sole risk. To the fullest extent permitted by law, We disclaim all warranties, explicit or implied, in connection with the Website and Your use thereof including implied warranties of merchantability, title, fitness for a particular purpose or non-infringement, usefulness, authority, accuracy, completeness, and timeliness. Accordingly, the Website, including all content and functions made available on or accessed through or sent from the Website, are provided “as is”, “as available” and “with all faults” basis.

5.2 Without derogating from the generality of the foregoing, We assume no liability or responsibility for any (a) errors, mistakes, or inaccuracies of any content included in the Website; (b) any interruption or cessation of transmission to or from the Website; or (c) any bugs, viruses, Trojan horses, or the like which may be transmitted to or through the Website by any third party.

5.3 You agree to hold Us harmless for any losses caused, directly or indirectly, to You or to any other third party, with respect to the Website and You shall bear sole responsibility for any of Your decisions made relying on the content of the Website.

5.4 In no event will We be liable to You or any third party for any special, direct, indirect, incidental, special, punitive, or consequential damages whatsoever, including any lost profits or lost data arising from Your use of the Website or other materials on, accessed through or downloaded from the Website, whether based on warranty, contract, tort, or any other legal theory, and whether or not We have been advised of the possibility of these damages and in cases where judicial authority finds Us liable, Our liability shall not exceed 100 Euro. The foregoing limitation of liability shall apply to the fullest extent permitted by law in the applicable jurisdiction.

5.5 We are not responsible for any problems or technical malfunction of any telephone or network lines, computer online systems, servers or providers, hardware, software, failure due to technical problems or traffic congestion on the internet (or inaccessibility of the internet) or incompatibility between the Website and Your browser or other equipment. Without derogating from the above, We do not assume any responsibility or risk for Your use of the internet.

6. THIRD PARTY SERVICES OR CONTENT

6.1 While using the Website, You may view content or services provided by third parties, including advertisements, promotions, or services provided by third parties.This may include, but is not limited to, marketing materials, embedded content, and external service offerings.

6.2 We do not control, endorse, verify, or assume any responsibility for such third-party content or services, which may not always be accurate, lawful, reliable or up to date.

6.3 Without derogating from the generality of the foregoing, it is emphasised that all content and services provided by third parties are not provided by Finera, or by anyone on its behalf, and We make no representations or warranties, express or implied, regarding their accuracy, legality, suitability, security, or availability.

6.4 By accessing or relying on any third-party content or services, You do so at Your own risk. We expressly disclaim all liability for any loss, damage, unauthorised access, security breaches, malware, financial loss, or other harm resulting from Your interaction with such third-party services or content.

6.5 Accordingly, We strongly recommend that You independently verify any third-party content, conduct due diligence before engaging with any third-party service, and review their terms, policies, and privacy practices before use. Any decisions or actions taken based upon such information, content or services are solely Your responsibility.

7. LINKS

7.1 The Website may contain links, content, advertisements, promotions, logos and other materials to platforms, websites or software that are controlled or offered by third parties (the “Links”). We caution You to ensure that You understand the risks involved in using such websites, software, platforms or materials before retrieving, using, relying upon or purchasing anything via these websites, platforms or software or based on such materials. Such Links are provided solely for Your convenience and You acknowledge and agree that We do not control, endorse, verify, or assume any responsibility for the content, security, policies, practices, products, or services offered by such third-party sites.

7.2 The inclusion of Links in the Website is not an endorsement, authorisation, sponsorship, affiliation or any other connection between Us or those websites, platforms, software or their operators. We make no representations or warranties, express or implied, regarding the accuracy, legality, reliability, or security of any third-party content, products, or services.

7.3 By accessing or using third-party Links, You do so at Your own risk. We disclaim all liability for any loss, damage, unauthorised access, security breaches, malware, or other harm You may incur as a result of accessing or relying on third-party links.

8. TERMINATION

8.1 We reserve the right to terminate, suspend, restrict or limit Your access to the Website at any time, without prior notice, in the event that:

• You breach any provisions of these Terms;
• We are required to do so by law or regulatory authority;
• The Website is discontinued or undergoes significant modifications;
• We suspect fraudulent, abusive or unauthorised activity on Your part;
• Any action or omission by You results in harm or risk to Our business, other Users or third parties

8.2 You may terminate Your use of the Website at any time by ceasing all access to it. However, any obligations or liabilities incurred by You prior to termination shall survive.

8.3 In the event of termination, You will no longer be permitted to access the Website, and any rights granted to You under these Terms shall be immediately revoked.

9. FORCE MAJEURE

9.1 We shall not be liable for any failure or delay in performance of Our obligations under these Terms due to events beyond Our reasonable control, including but not limited to:

• Natural disasters (earthquakes, floods, fires, hurricanes or other acts of God);

• Acts of War, terrorism, or civil unrest;

• Cyberattacks, hacking, security breaches or other malicious cyber activity;

• Internet service failures, telecommunication disruptions, or power outages;

• Governmental actions, regulatory changes, embargoes, or trade restrictions;

• Epidemics, pandemics, or other public health emergencies.

9.2 If a force majeure event occurs that affects Our performance, We will notify You as soon as reasonably possible and make reasonable efforts to mitigate the impact. However, We shall not be held liable for any damages or losses resulting from such events.

10. MISCELLANEOUS

10.1 We may, at Our sole discretion, amend, modify, or discontinue, from time to time, any part of the Website. We shall not be liable for any loss suffered by You resulting from any such changes made and You shall have no claims against Us in such regard.

10.2 We may update, modify, or revise these Terms from time to time at our sole discretion. When We do, We will provide notice to You by publishing the most current version and revising the date at the top of this page and any modifications shall be effective immediately upon such publication. It will be Your responsibility to review these Terms periodically for any updates or modifications. By continuing to access or use the Website after any changes come into effect, You are deemed to agree to the revised Terms. If you do not agree to any amended Terms, You must immediately stop using the Website.

10.3 You agree that transmission of information to or from the Website does not create between You and Us any relationship that deviates from those specified in these Terms.

10.4 These Terms and the Privacy Policy, as amended from time to time, constitute the only valid agreements between You and Us, and no representation, promise, consent or undertaking, whether written or oral, that is not included in the Terms or Our Privacy Policy will be binding upon the parties.

10.5 No failure or delay on Our part in exercising any right, power or remedy thereunder shall operate as a waiver thereof, nor shall any single or partial exercise of any such right, power or remedy preclude any other or further exercise thereof or the exercise of any other right, power or remedy.

10.6 If any provision of these Terms is held by a court of competent jurisdiction to be unenforceable under applicable law, then such provision shall be excluded from these Terms and the remainder of these Terms shall be interpreted as if such provision was so excluded and shall be enforceable in accordance with its terms; provided, however, that in such event these Terms shall be interpreted so as to give effect, to the greatest extent consistent with and permitted by applicable law, to the meaning and intention of the excluded provision as determined by such court of competent jurisdiction.

10.7 We may transfer or assign any and all of Our rights and obligations hereunder to any third party; without derogating from the above, the Website may be operated by third parties. You may not transfer, assign or pledge in any manner whatsoever any of Your rights or obligations under these Terms.

11. ALTERNATIVE DISPUTE RESOLUTION AND GOVERNING LAW

11.1 Any disputes arising or related to these Terms, including their validity, performance, or termination, shall first be resolved through good-faith negotiations between the parties. If a resolution is not reached within 30 days, the parties agree to attempt to resolve the dispute through mediation administered by a recognised mediator or mediation centre in Cyprus.

11.2 If mediation fails to resolve the dispute within 60 days from the date mediation was initiated, the dispute shall be referred to final and binding arbitration, conducted in accordance with the rules of the Cyprus Arbitration and Mediation Centre (or any similar institution agreed upon by both parties).

11.3 If the dispute is not resolved through negotiation, mediation, or arbitration, the parties agree to submit to the exclusive jurisdiction of the competent courts of Cyprus.

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