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Terms & Conditions

Terms & Conditions

Please read these terms and conditions carefully before using this site

What's in these terms?

These terms tell you the rules for using our website [www.finto.io] (our Site).

Who we are and how to contact us

[Finto] is an online Site operated by [Etihad Financial Technology] ("We"). We are registered in [the Hashemite Kingdom of Jordan] under company number [1322] and have our registered office at [building 13, king Hussein Business Park, Amman - Jordan]. To contact us, please email hello@finto.io. By using our Site you accept these terms.

To contact us, please email hello@finto.io.

By using our Site you accept these terms

If you do not agree to these terms, you must not use our Site.

We recommend that you print a copy of these terms for future reference.

There are other terms that may apply to you.

These terms of use refer to the following additional terms, which also apply to your use of our Site:

  • Our privacy policy, which sets out how we may use your personal information; and
  • Our cookie policy, which sets out information about the cookies on our Site.

We may make changes to these terms

We amend these terms from time to time. Every time you wish to use our Site, please check these terms to ensure you understand the terms that apply at that time. These terms were most recently updated on 1 sep 2021.

We may make changes to our Site

We may update and change our Site from time to time to reflect changes to our products, our users’ needs and our business priorities or for any other reason. We will try to give you reasonable notice of any major changes.

We may suspend or withdraw our Site

We do not guarantee that our Site, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our Site for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal, and under no circumstances will we be liable to you or to any person for any indirect, incidental, special, punitive, cover or consequential damages (including, without limitation, damages for lost profits, revenue, sales, goodwill, use of content, impact on business, business interruption, loss of anticipated savings, loss of business opportunity) if we do not notify you of such suspension or withdrawal.

We reserve the right to refuse access to anyone for any reason at any time without the need to provide any justification or reason for such refusal.

You are also responsible for ensuring that all persons who access our Site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

Compensation, fees

Our Site is made available free of charge. We shall notify you of any changes in this regard at least one week in advance.

We may transfer this agreement to someone else

We may transfer our rights and obligations under these terms to another organization. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under the contract.

You must keep your account details safe

You must be at least [16] years of age to use our Site. By using our Site and by agreeing to these terms and conditions you warrant and represent that you are at least [16] years of age. If you create an account in our Site, you are responsible for maintaining the security of your account and you are fully responsible for all activities that occur under the account and any other actions taken in connection with it. We may monitor and review new accounts before you may sign in and use our Site. Providing false contact information of any kind may result in the termination of your account. You must immediately notify us of any unauthorized uses of your account or any other breaches of security. We will not be liable for any acts or omissions by you, including any damages of any kind incurred as a result of such acts or omissions. We may suspend, disable, or delete your account (or any part thereof) if we determine that you have violated any provision of these terms and conditions or that your conduct or content would tend to damage our reputation and goodwill. If we delete your account for the foregoing reasons, you may not re-register for our Site. We may block your email address and Internet protocol address to prevent further registration.

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.

We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use.

If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at hello@finto.io

How you may use material on our Site

We are the owner or the licensee of all intellectual property rights in our Site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from our Site for your personal use and you may draw the attention of others within your organisation to content posted on our Site.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of content on our Site must always be acknowledged.

You must not use any part of the content on our Site for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of our Site in breach of these terms of use, your right to use our Site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Disclaimer of warranty

You expressly agree that your use of our Site and its services is solely at your own risk. You agree that our Site’s services are provided on an "as is" and "as available" basis. We expressly disclaim all warranties of any kind, whether express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement. We make no warranty that the services will meet your requirements, or that the services will be uninterrupted, timely, secure, or error-free; nor do we make any warranty as to the results that may be obtained from the use of the services or as to the accuracy or reliability of any information obtained through the services or that defects in the Service will be corrected. You understand and agree that any material and/or data downloaded or otherwise obtained through the use of the services is done at your own discretion and risk and that you will be solely responsible for any damage to your system or loss of data that results from the download of such material and/or data. We make no warranty regarding any goods or services purchased or obtained through the Site’s services or any transactions entered into through our Site. No advice or information, whether oral or written, obtained by you from us or through the services shall create any warranty not expressly made herein.

Limitation of liability

To the fullest extent permitted by applicable law, we, our affiliates, officers, directors, employees, agents, suppliers or licensors shall under no circumstances whatever be liable to you or to any person, whether in contract, tort (including negligence), breach of statutory duty, warranty or otherwise, for any indirect, incidental, special, punitive, cover or consequential damages (including, without limitation, damages for lost profits, revenue, sales, goodwill, use of content, impact on business, business interruption, loss of anticipated savings, loss of business opportunity), even if we have been advised as to the possibility of such damages or could have foreseen such damages.

To the maximum extent permitted by applicable law, our aggregate liability and that of our affiliates, officers, employees, agents, suppliers and licensors, relating to the services will be limited to an amount greater of [one JOD] or any amounts actually paid in cash by you to us for the prior one month period prior to the first event or occurrence giving rise to such liability. The limitations and exclusions also apply if this remedy does not fully compensate you for any losses or fails of its essential purpose.

Indemnification

You agree to indemnify and hold us and our affiliates, officers, directors, employees, agents, suppliers or licensors harmless from and against any liabilities, losses, damages or costs, including reasonable attorneys' fees, incurred in connection with or arising from any third-party claims, allegations, disputes, actions or demands asserted against any of them as a result of or relating to your content, data, your use of our Site or services or any wilful misconduct on your part.

Service Providers

We may employ third party companies and individuals to facilitate and implement our services ("Service Providers"), provide the services on our behalf, perform services-related services or assist us in analysing how our services are used or to process, analyse, store and save any relevant information including your personal data. These third parties have access to your personal data only to perform these tasks on our behalf and will be obligated not to disclose or use it for any other purpose.

Do not rely on information on this Site

The content on our Site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our Site.

Although we make reasonable efforts to update the information on our Site, we make no representations, warranties or guarantees, whether express or implied, that the content on our Site is accurate, complete or up to date.

We are not responsible for applications we link to

Where our Site contains links to other Sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked applications or information you may obtain from them.

We have no control over the contents of those sites or resources.

How we may use your personal information

We will only use your personal information as set out in our privacy policy.

Prohibited uses

In addition to other terms as set forth in these terms and conditions, you are prohibited from using our Site or its content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international or local regulations, rules, laws, or ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of our Site or the services or of any other related mobile applications, or the Internet; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of our Site or the service or any other related mobile applications, or the Internet. We reserve the right to terminate your use of our Site or any related service for violating any of the prohibited uses.

We are not responsible for viruses and you must not introduce them

We do not guarantee that our Site will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programmes and Site to access our Site You should use your own virus protection software.

You must not misuse our Site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Site the server on which our Site is stored or any server, computer or database connected to our Site You must not attack our Site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the applicable laws. We will report any such breach to the relevant law enforcement authorities and we will cooperate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Site will cease immediately.

Rules about linking to our Site

You may link to our Site provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

You must not establish a link to our Site in any website or application that is not owned by you.

Our Site must not be framed on any other site, nor may you create a link to any part of our Site other than the homepage.

We reserve the right to withdraw linking permission without notice.

The website or application in which you are linking must comply in all respects with our content standards.

If you wish to link to or make any use of content on our Site other than that set out above, please contact hello@finto.io.

Which country's laws apply to any disputes?

These terms of use, their subject matter and their formation, are governed by the laws of the Hashemite Kingdom of Jordan. You and we both agree that the courts of Amman-Jordan will have exclusive jurisdiction.

Our trademarks are registered

Finto is a registered trademark in Jordan. Finto’s logo, slogan, or any other source-identifying information (the "Marks") are trademarks of Finto. No third party shall use these Marks, or any other trademarks, slogans, or logos which are likely to cause confusion with Finto’s Marks, to mislead consumers about the origin of the third party’s goods or services, or to signal Finto‘s affiliation with, or sponsorship of, such third party’s products, services, websites, or companies. Additionally, Finto strictly forbids the use of "frames", framing techniques, meta tags, or any other "hidden text" utilizing the Marks. You agree you will not delete or in any manner alter the trademark notices or markings appearing on the Marks.

Acceptance of these terms and conditions

You acknowledge that you have read these terms and conditions and agree to all its provisions. By using our Site or its services you agree to be bound by these terms and conditions. If you do not agree to abide by these terms and conditions, you are not authorized to use or access our Site and its services.