Welcome to www.unionfintech.com (the “Website“). The Website, along with all its content is exclusively owned by Union Fintech OÜ (“Union” or the “Company“).

Agreement to Terms and Conditions

These Terms and Conditions (“Terms“) define the conditions of access and use of the Website.

By using our Website, you acknowledge that you have read, understood, and agreed, without restriction or reservation, to be bound by our Terms.

These Terms unconditionally extend and apply to all related applications, services, or website extensions.

If you are not in agreement with these Terms, you are prohibited from using this Website and must discontinue use immediately.

Access to the Website

The Website is intended for users who are over eighteen (18) years of age. If you are not at least eighteen (18) years old, you may not use this Website.

Definitions

The following definitions apply to these Terms:

“Intellectual Property” or “IP“, refers to any and all intellectual property associated with the Website, including but not limited to trademarks, copyrights, patents, which are either owned by Union or licensed for use by the Company.

“Party“, “Parties“, or “Us“, refers to you and us.

“Privacy Policy” refers to the Company’s privacy policy concerning the protection of personal data, which is accessible here, and is considered an integral part of these Terms.

“Union“, “We“, “Our” and “Us“, refers to our Website and Company.

“User“, “Visitor“, “You” and “Your” refer to you, the person(s) that use the Website.

All terms refer to all considerations necessary to undertake support to you for the express purpose of meeting your user needs, under and subject to, the prevailing law of the state or country in which the Website operates. Any use of these definitions in the singular, plural, capitalization, and/or pronoun are interchangeable but refer to the same.

Users Obligations and Warranties

All Users undertake and warrant to:

• Fully comply with the Terms without any restrictions or reservations;
• Abide by all local regulations that may apply to the User.
• Respect the intellectual property rights of Union and/or third parties.
• Act in good faith when accessing or using the Website.
• Not to disrupt or attempt to disrupt the proper functioning of the Website or alter its content.
• Not to access or use the Website or its content for unlawful purposes.
• Not to cause any harm to Union’s reputation and/or image.
• Not to directly or indirectly commercialize access to the Website.
• Not to reuse, operate, reproduce, or represent all or part of the Website or its content, without prior written authorization from the Company.

In the event of non-compliance with any of these obligations, Union reserves the right to unilaterally refuse or suspend, without prior notification, the User’s access to all or part of the Website or its content.

Users acknowledge and accept that they are solely liable for their use of the Website.

Intellectual Property Rights

Union retains all IP rights and/or licenses, including but not limited to copyrights, for all content, brands, database content, and all other constituent parts of the Website.

The Website, along with all software applications, database structures, text, information, analyses, images, photographs, charts, logos, sounds, brands, and all other data comprising the Website, shall remain the exclusive property of Union or, where applicable, their respective owners, with whom Union has entered into a licensing agreement.

Users are expressly prohibited from reproducing and/or representing (except for private use), downloading, selling, distributing, disseminating, translating, adapting, using, publishing, or communicating any or all the original intellectual works, data, content, or products available on the Website, for any commercial or non-commercial purpose, in any form, without prior written consent from Union.

Cookies

Union employs cookies to monitor your online browsing and customize your experience. By accessing the Website, you agree to the use of cookies in agreement with our Privacy Policy.

Privacy Policy

By using this Website, you may provide us with certain Personal Information and Non-Personal Information. All Information is managed in accordance with our Privacy Policy.

Linking Rights

Any interested organization must inform and contact Union for further information regarding our linking policy. By linking to our Website, you agree to be bound to and follow the Terms. Linking does not imply endorsement, sponsorship, partnership, or approval by us of any kind. We reserve the right to request removal of links created by you that redirect to our Website, and you agree to immediately remove such links. No use of our logo, design, or other intellectual property shall be allowed for linking, without the prior written consent of Union.

Third-Party Content

This Website may contain links to websites operated by third parties. Union makes best efforts to ensure that linked websites do not contain any unlawful information but is not responsible for third-party websites. If a User believes that a link leads to a dangerous or unlawful third-party website, they may contact Union.

Disclaimers

Website is provided “as is,” Union makes no express or implied undertakings, representations, or warranties, of any kind related to this Website or the Content contained therein.

The Website is intended to be accessible 24 hours a day, 365 days a year. However, temporary interruptions or reductions in availability may occur without prior notice due to maintenance, upgrades, optimization, third-party service interruptions, or other unforeseen circumstances.

Union does not make any endorsements, warranties, or representations about the accuracy, reliability, expertise, completeness, or fitness for any purpose of any content. The User agrees that Union will not be liable for any conduct or behaviour of the User arising from the use of this Website. As a result, use of this Website and all or any of its Content is at the User’s sole risk.

In no event shall Union nor any of its officers, directors, employees, partners, and affiliates, be liable for any loss, damage, injury, liability, or expense arising out of your use of this Website, whether, under contract, tort, or otherwise, and Union, including its officers, directors, employees, partners and affiliates shall not be liable for any direct, indirect, consequential, accidental, or special damages arising out of your use of this Website.

Indemnification

As a condition of use of this Website, the User agrees to indemnify Union and its affiliates to the fullest extent, from and against all actions, claims, liabilities, losses, damages, costs, demands, and expenses (including reasonable attorney’s fees) arising out of the User’s use of this Website.

Termination

If dissatisfied with any of the Content on this Website, or any of its Terms, the User may discontinue using this Website. The provisions of these Terms shall remain in full force and effect while you use the Website.

Union reserves the right and sole discretion to, and without prior notice or liability, deny access to the Website (including blocking specific IP addresses) to any User for any reason including but not limited to breach of any representation, warranty, or Terms, or applicable law, or regulation.

Amendment

Language: All correspondence shall be in English.

Severability: In the case that any Term is proven to be unenforceable or void, such shall not render the entirety of these Terms unenforceable or invalid, such provision shall be deleted without affecting the remaining provisions herein. The provisions of these Terms that are unlawful, void, or unenforceable are deemed severable from these Terms and do not affect any remaining provisions’ validity and enforceability.

Assignment: Union reserves the right to assign, transfer, and subcontract its rights and/or obligations without any prior notice or consent required. Users shall not be permitted to assign, transfer, or subcontract any of your rights and/or obligations under these Terms. Furthermore, a person who is not a party to these Terms shall have no right to enforce any provision contained therein.

Waiver: Our failure to exercise any of these Terms at any point in time shall not constitute a waiver of such right or provision.

Entire Agreement: These Terms, including any legal notices and disclaimers on this Website, constitute the entire agreement between Union and the users concerning their use of this Website. This supersedes all prior agreements concerning the same.

Governing Law & Jurisdiction: The Terms and Conditions of this Website shall be construed in accordance with and governed by the laws of the Republic of Estonia.

Contact Union

Union FinTech OÜ
Telliskivi tn 60/2,
Building i, Entrance A
Tallinn 10412
Estonia
info@unionfintech.com