Terms & Conditions

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS SITE

These terms of use (together with the documents referred to in these terms) (the “Terms”) sets out the terms upon which you may make use of the website and where appropriate our social media pages (the “Website”). Use of the Website includes, but is not limited to, accessing, browsing, registering or uploading content to the Website. By using the Website, you confirm that you accept these Terms that you agree to comply with them.

If you do not agree to these Terms, you must not use the Website.

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OTHER APPLICABLE TERMS

Please also refer to our Privacy and Cookies Policy which sets out the terms upon which we process any personal data we collect from you, or that you provide to us, together with information about cookies. By using the Website, you consent to the processing of your personal data, our use of cookies and you warrant that all data provided by you is accurate.

1) INFORMATION ABOUT US

The Website is a site operated by FinTech Scotland (“us” or "we").  We are a private company limited by guarantee incorporated in Scotland at Data Driven Innovation Building, 13-15 South College Street, EH8 9AA.

2) CHANGES TO THESE TERMS AND OUR WEBSITE

We may revise these Terms at any time by amending this page and we will aim to post a notice of any substantial changes on our Website.

We do not guarantee that the Website, or any content on it, will be free from errors or omissions.

3) ACCESSING THE WEBSITE

We do not guarantee or warrant that the Website, or any content on it, will always be available or be uninterrupted. We may suspend, withdraw, discontinue or change all or any part of the Website without notice. We will not be liable to you if for any reason the Website is unavailable at any time or for any period.

You are responsible for ensuring that all persons who access the Website through your internet connection are aware of these Terms, and that they comply with them.

4) INTELLECTUAL PROPERTY RIGHTS

We are the owner or the licensee of all intellectual property rights in and to the Website and the material published on it. Those works are protected by copyright and other intellectual property rights.  Except as set out here, all such rights are reserved.

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

You must not use any part of the content on the Website for commercial purposes.

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

5) NO RELIANCE ON INFORMATION

The content on the Website is provided for general information only. Nothing on the Website is intended to constitute advice or information on which you should rely.

It is your own responsibility to ensure that any of the products, services or information mentioned on our Website meet your specific requirements. Neither we nor any third parties provide any warranty or guarantee as to the accuracy or suitability of the information offered on the Website for any particular purpose.

6) LIMITATION OF OUR LIABILITY

Nothing in these Terms excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation.

We exclude all conditions, warranties, representations or other terms which may apply to the Website or any content on it, whether express or implied.

We will not be liable to any user for any loss or damage, whether in contract, delict (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

  • use of, or inability to use, the Website; or

  • use of, or reliance on, any content displayed on the Website.

7) INTERACTIVE SERVICES AND SOCIAL MEDIA

We may from time to time provide interactive services on the Website, including, without limitation, links and feeds from our social media pages.

  • Where we do provide any interactive service, we will provide clear information to you about the kind of service offered, if it is moderated and what form of moderation is used (including whether it is human or technical).

  • However, we are under no obligation to oversee, monitor or moderate any interactive service we provide on the Website, and we expressly exclude our liability for any loss or damage arising from the use of any interactive service by a user in contravention of our Content Standards (as defined below), whether the service is moderated or not.

8) CONTENT STANDARDS

When posting or uploading any material to the Website or to any interactive services associated with it (the “Contributions”) you must comply with the following standards (the “Content Standards”). The Content Standards apply to each part of any Contribution as well as to its whole.

Contributions must:

  • be accurate (where they state facts);

  • be genuinely held (where they state opinions); and

  • comply with applicable law in the UK and in any country from which they are posted.

Contributions must not:

  • contain any material which is defamatory of any person;

  • contain any material which is obscene, offensive, hateful or inflammatory;

  • promote sexually explicit material;

  • promote violence;

  • promote discrimination based on race, sex, religion, nationality, disability, sexual orientation or age;

  • infringe any copyright, database right, trade mark or other intellectual or industrial property right of any other person;

  • be likely to deceive any person;

  • be made in breach of any legal duty owed to a third party, such as a contractual duty or a duty of confidence;

  • promote any illegal activity;

  • be threatening, abuse or invade another’s privacy, or cause annoyance, inconvenience or needless anxiety;

  • be likely to harass, upset, embarrass, alarm or annoy any other person;

  • be used to impersonate any person, or to misrepresent your identity or affiliation with any person;

  • give the impression that they emanate from us, if this is not the case; and

  • advocate, promote or assist any unlawful act such as (by way of example only) copyright infringement or computer misuse.

You warrant that any Contribution complies with the Content Standards, and you will be liable to us and indemnify us for any breach of that warranty. This means you will be responsible for any loss or damage we suffer as a result of your breach of warranty.

You warrant that you have consent from third parties to post any Contributions which incorporate information and images of those third parties. You will be responsible for any loss or damage we suffer as a result of your breach of this warranty.

Any Contribution will be considered non-confidential and non-proprietary. You retain all of your ownership rights in your Contribution, but you are required to grant us and other users of the Website a limited licence to use, store and copy that content and to distribute and make it available to third parties.

We also have the right to disclose your identity to any third party who is claiming that any Contribution posted or uploaded by you to the Website or to our social media pages constitutes a violation of their intellectual property rights, or of their right to privacy.

We will not be responsible, or liable to any third party, for the content or accuracy of any Contributions posted by you or any other user of the Website or our social media pages.

We have the right to remove any Contributions you make on the Website if, in our opinion, your post does not comply with the Content Standards set out in these Terms.

The views expressed by other users on the Website or our social media pages do not represent our views or values.

9) VIRUSES

We do not guarantee that the Website will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programmes and platform in order to access the Website. You should use your own virus protection software.

You must not misuse the Website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to the Website, the server on which the Website is stored or any server, computer or database connected to the Website. You must not attack the Website 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 Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use the Website will cease immediately.

10) PROHIBITED USES

You may use the Website only for lawful purposes. You may not use the Website:

  • in any way that breaches any applicable local, national or international law or regulation;

  • in any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect;

  • for the purpose of harming or attempting to harm minors in any way;

  • to send, knowingly receive, upload, download, use or re-use any Content which does not comply with the Content Standards;

  • to transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam); or

  • to transmit knowingly any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.

You also agree:

  • not to reproduce, duplicate, copy or re-sell any part of the Website in contravention of the provisions of these Terms; and

  • not to access without authority, interfere with, damage or disrupt:

    • any part of the Website;

    • any equipment or network on which the Website is stored;

    • any software used in the provision of the Website; or

    • any equipment or network or software owned or used by any third party.

11) LINKING TO OUR WEBSITE

You may link to our home page, 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.

The Website must not be framed on any other site.

We reserve the right to withdraw linking permission without notice.

The website in which you are linking must comply in all respects with the Content Standards.

If you wish to make any use of content on the Website other than that set out above, please contact us via the “Contact Us” page on the Website.

12) THIRD PARTY LINKS AND RESOURCES ON THE WEBSITE

Where the Website contains links to other sites and resources provided by third parties, these links are provided for your information only.

We assume no responsibility for the content of websites linked on the Website. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.

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

13) APPLICABLE LAW

Please note that these Terms, their subject matter and formation, are governed by Scots law. If you are a consumer user, the courts of Scotland will have non-exclusive jurisdiction. If you are a business user, the courts of Scotland will have exclusive jurisdiction.

14) CONTACT US

To contact us, please do so via the via the “Contact Us” page on the Website.

Thank you for visiting the Website.