Terms and Conditions

Terms and Conditions #

1. Introduction #

Welcome to Fintech Garden (“we,” “us,” or “our”). These Terms and Conditions (“Terms”) govern your access to and use of our website, community forums, and any related services (collectively, the “Services”). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, please discontinue using our Services immediately.

2. Eligibility #

  1. Minimum Age: You must be at least the age of majority in your jurisdiction (typically 18 years old) to use our Services.
  2. Compliance: You agree to comply with these Terms and all applicable local, state, national, and international laws, rules, and regulations.

3. User Accounts #

  1. Registration: To access certain features, you may need to create an account. You agree to provide accurate and complete information and to update it if it changes.
  2. Account Security: You are responsible for safeguarding your login credentials. Do not share your password with anyone. You agree to notify us immediately if you suspect any unauthorized use of your account.
  3. Termination: We reserve the right to suspend or terminate your account if we believe you have violated these Terms or engaged in unauthorized or illegal activity.

4. Community Conduct #

By participating in our fintech community, you agree to adhere to the following guidelines:

  1. Respectful Behavior: Treat other members with respect and refrain from harassing, threatening, or abusing others.
  2. Prohibited Content: You will not post or share content that is unlawful, harmful, defamatory, obscene, or otherwise objectionable.
  3. Intellectual Property: You will not post or share content that infringes on the intellectual property or privacy rights of others.
  4. No Financial Advice: Any financial or investment discussions on our Services are for informational purposes only. You should seek professional advice before making any financial decisions.

5. User-Generated Content #

  1. Ownership: You retain ownership of all content you create or post (“User-Generated Content”). By posting content, you grant us a non-exclusive, worldwide, royalty-free license to use, display, reproduce, and distribute such content on our Services.
  2. Responsibility: You are solely responsible for the User-Generated Content you post. You must ensure that you have the necessary rights to share such content.
  3. Monitoring: We are not obligated to monitor User-Generated Content, but we reserve the right to remove or modify content that violates these Terms or is otherwise objectionable.

6. Intellectual Property Rights #

  1. Ownership: All text, graphics, logos, images, and software (“Site Content”) provided by us are owned by or licensed to us and are protected by intellectual property laws.
  2. License: Subject to these Terms, we grant you a limited, non-transferable, non-exclusive license to use the Services and Site Content for your personal, non-commercial use.
  3. Restrictions: You agree not to modify, distribute, sell, or lease any part of our Site Content without express written permission from us.

7. Disclaimers #

  1. No Warranties: Our Services are provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied.
  2. Financial Information: Any fintech or financial information provided by us or other users is for general informational purposes only and does not constitute professional advice.
  3. Third-Party Links: Our Services may contain links to third-party websites or resources. We do not endorse and are not responsible for the content, products, or services of these third-party sites.

8. Limitation of Liability #

To the fullest extent permitted by applicable law:

  1. We shall not be liable for any indirect, incidental, special, or consequential damages arising out of or related to your use of the Services.
  2. Our total liability for any claim arising from or related to these Terms shall not exceed the amount paid by you, if any, for accessing our Services.

9. Indemnification #

You agree to defend, indemnify, and hold harmless Fintech Garden, its affiliates, and their respective directors, officers, employees, and agents from any claims, damages, or expenses (including legal fees) arising out of:

  1. Your breach of these Terms;
  2. Your User-Generated Content;
  3. Your violation of any law or regulation.

10. Termination #

  1. Termination by You: You may terminate your account at any time by contacting us or following the instructions on our website.
  2. Termination by Us: We reserve the right to suspend or terminate your access if we believe you have violated these Terms, engaged in fraudulent or illegal activity, or created risk or possible legal exposure for us.
  3. Survival: Provisions related to ownership, disclaimers, limitation of liability, and indemnification shall survive any termination of these Terms.

11. Governing Law and Dispute Resolution #

  1. Governing Law: These Terms shall be governed by and construed in accordance with the laws of United Kingdom, without regard to its conflict of law principles.

12. Changes to These Terms #

We may update these Terms from time to time. If we make significant changes, we will notify you by posting an announcement on our website or sending an email. Your continued use of our Services after any changes become effective constitutes your acceptance of the revised Terms.

13. Miscellaneous #

  1. Severability: If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.
  2. Entire Agreement: These Terms, along with our Privacy Policy, constitute the entire agreement between you and us regarding the Services.
  3. No Waiver: Our failure to enforce any right or provision of these Terms will not be considered a waiver of such right.

14. Contact Us #

If you have any questions or concerns about these Terms, please contact us at:

Email: hello(at)fintech.garden Address: 1 St Katharine’s Way, London E1W 1UN

Last Updated: 2025/02/18