Terms and conditions

AGREEMENT TO TERMS

These Terms of Use constitute a legally binding agreement made between you, whether personally or on behalf of an entity (“you”) and Xfintechglobal (“Company”, “we”, “us”, or “our”), concerning your access to and use of the http://www.xfintechglobal.com website as well as any other media form, media channel, mobile website or mobile application related, linked, or otherwise connected thereto (collectively, the “Site”). We are registered in the USA and have our office at 2066 E 15 ST, Brooklyn, NY 11229. You agree that by accessing the site, you have read, understood, and agreed to be bound by all of these terms of use. IF YOU DO NOT AGREE WITH ALL OF THESE TERMS OF USE, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SITE AND YOU MUST DISCONTINUE USE IMMEDIATELY.

Supplemental terms and conditions or documents that may be posted on the site from time to time are hereby expressly incorporated herein by reference. We reserve the right, in our sole discretion, to make changes or modifications to these terms and conditions from time to time. We will alert you about any changes by updating the “last updated” date of these terms and conditions, and you waive any right to receive specific notice of each such change. Please ensure that you check the applicable terms every time you use our website so that you understand which terms apply. You will be subject to, and will be deemed to have been made aware of and to have accepted, the changes in any revised terms and conditions by your continued use of the site after the date such revised terms and conditions are posted.

The information provided on the site is not intended for distribution to or use by any person or entity in any jurisdiction or country. Accordingly, those persons who choose to access the site from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable.

The site is not tailored to comply with industry-specific regulations (Health Insurance Portability and Accountability Act (HIPAA), Federal Information Security Management Act (FISMA), etc.), so if your interactions would be subjected to such laws, you may not use this site. You may not use the site in a way that would violate the Gramm-Leach-Bliley Act (GLBA).

The site is intended for users who are at least 18 years old. Persons under the age of 18 are not permitted to use or register for the site.

INTELLECTUAL PROPERTY RIGHTS

Unless otherwise indicated, the site is our proprietary property and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the site (collectively, the “content”) and the trademarks, service marks and logos contained therein (the “marks”) are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws and various other intellectual property rights and unfair competition laws of the United States, international copyright laws, and international conventions. The content and the marks are provided on the site “AS IS” for your information and personal use only. Except as expressly provided in these terms and conditions, no parts of the site and no content or marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.

Provided that you are eligible to use the site, you are granted a limited license to access and use the site and to download or print a copy of any portion of the content to which you have properly gained access solely for your personal, non-commercial use. We reserve all rights not expressly granted to you in and to the site, the content, and the marks.

USER REPRESENTATIONS

By using the site, you represent and warrant that:

  • You have the legal capacity and you agree to comply with these terms and conditions
  • You are not a minor in the jurisdiction in which you reside
  • You will not access the site through automated or non-human means, whether through a bot, script, or otherwise
  • You will not use the site for any illegal or unauthorized purpose
  • Your use of this site will not violate any applicable law or regulation.

If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the site.

PRODUCTS

All services are subject to availability. We reserve the right to discontinue any service at any time for any reason. Prices for all services are subject to change.

PURCHASES AND PAYMENT

We accept the following forms of payments:

  • VISA
  • MASTERCARD
  • AMERICAN EXPRESS
  • DISCOVER

You agree to provide current, complete, and accurate purchase and account information for all purchases made via the site. You further agree to promptly update account and payment information, including email address, payment method, and payment card expiration date, so that we can complete your transactions and contact you as needed. We may change prices at any time. All payments shall be in U.S. dollars.

You agree to pay all charges at the prices then in effect for your purchases, and you authorize us to charge your chosen payment provider for any such amounts upon placing your order. We reserve the right to correct any errors or mistakes in pricing, even if we have already requested or received payment.

REFUND POLICY

Please review our refund policy, posted on the site prior to making any purchases.

PROHIBITED ACTIVITIES

You may not access or use the site for any purpose other than that for which we make the site available. The site may not be used in connection with commercial endeavors except those that are specifically endorsed or approved by us.

As a user of the site, you agree not to:

  • Systematically retrieve data or other content from the site to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.
  • Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords.
  • Circumvent, disable, or otherwise interfere with security-related features of the site, including features that prevent or restrict the use or copy of any content or enforce limitations on the use of the site and/or the content contained therein.
  • Disparage, tarnish, or otherwise harm, in our opinion, us and/or the site.
  • Use any information obtained from the site in order to harass, abuse, or harm another person.
  • Make improper use of our support services or submit false reports of abuse or misconduct.
  • Use the site in a manner inconsistent with any applicable laws or regulations.
  • Engage in unauthorized framing of or linking to the site.
  • Upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material, including excessive use of capital letters and spamming (continuous posting of repetitive text), that interferes with any party’s uninterrupted use and enjoyment of the site or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operations, or maintenance of the site.
  • Engage in any automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools.
  • Delete the copyright or other proprietary rights notices from any content.
  • Attempt to impersonate another user or person or use the username of another user.
  • Upload or transmit (or attempt to upload or to transmit) any material that acts as a passive or active information collection or transmission mechanism, including without limitation, clear graphics interchange formats, 1*1 pixels, web bugs, cookies, or other similar devices.
  • Interfere with, disrupt, or create an undue burden on the site or the networks or services connected to the site.
  • Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the site.
  • Copy or adapt the site’s software, including but not limited to Flash, PHP, HTML, JavaScript, or other code.

CONTRIBUTION LICENSE

You and the site agree that we may access, store, process, and use any information and personal data that you provide following the terms of the privacy policy and your choices.

By submitting suggestions or other feedback regarding the site, you agree that we can use and share such feedback for any purpose without compensation to you.

We do not assert any ownership over your contributions. You retain full ownership of all of your contributions and any intellectual property rights or other proprietary rights associated with your contributions. We are not liable for any statements or any representations in your contributions provided by you in any area on the site. You are solely responsible for your contribution to the site and you expressly agree to exonerate us from any and all responsibility and to refrain from any legal action against us regarding your contributions.

SITE MANAGEMENT

We reserve the right, but not the obligation to:

  • Monitor the site for violations of these terms and conditions
  • Take appropriate legal action against anyone who, in our sole discretion, violates the law or these terms and conditions, including without limitations, reporting such user to law enforcement authorities.
  • In our sole discretion and without limitation, refuse, restrict access to
  • Otherwise manage the site in a manner designed to protect our rights and property and facilitate the proper functioning of the site and the marketplace offerings.

GOVERNING LAW

These terms shall be governed by and defined following the Laws of New York. Xfintechglobal consents to the jurisdiction of the courts of New York for any disputes related to these terms.

DISPUTE RESOLUTION

You agree do submit all disputes related to terms or the relationship established by this agreement to the jurisdiction of USA courts. Xfintechglobal tell also maintain the right to bring proceedings as to the substance of the matter inn the courts of the country where you reside or, if these terms are entered into the course of your trade or profession, the state of your principal place of business.

DISCLAIMER

The site is provided on an basis and as available. You agree that your use of the site services will be at your sole risk. To the fullest extent permitted by law, we disclaim all warranties, express or implied, in connection with the site and your use, including, without limitation, the implied warranties off merchantability, fitness for a particular purpose and non-infringement. We make no warranties or representations about the accuracy or completeness of the site’s content or the content of any websites linked to this site and we will assume no liability or responsibility for any errors, mistakes or inaccuracies of content and materials. Personal injuries or property damage, of any nature whatsoever, resulting from your access to and use of the website. Any unauthorized access to or use of our secure servers and/ or any and all personal information and all financial information stored therein. Any interruption off transmission to or from the site. Any bugs, viruses, Trojan horses, or the like which may be transmitted to or through the site by any third party. Any errors or omissions in any content and materials or for any loss or damage of any kind encouraged as a result of the use of any content posted, and transmitted or otherwise made available via the site. We do not warrant, endorse, guarantee, or assume responsibility for any advertised or offered by a third party through the site, any hyperlinked website, or any website or mobile application featured in any banner or other advertising, and we will not be a party to or in any way be responsible for monitoring any transaction between you and any third-party providers of services. As with the purchase of a product or services through any medium or in any environment, you should use your best judgement and exercise caution where appropriate.

LIMITATIONS OF LIABILITY

In no event will we are our director, employees, or agents be liable to you or any third party for any direct, indirect, exemplary, incidental, special or punitive damages, including lost profit, lost revenue, loss of data or other damages arising from your use of the site, even if we have been advised of the possibility of such damages. Notwithstanding anything to the contrary contained herein, our liability to you for any cause whatsoever and regardless of the form of the action, will at all times be limited to the amount paid, if any, by you to us during the three-month period prior to any cause of action arising. Certain US state laws and international laws do not allow limitations or implied warranties or the exclusion or limitation of certain damages. If these laws apply to you, some or all of the above disclaimers or limitations may not apply to you, and you may have additional rights.

USER DATA

We will maintain certain data that you transmit to the site for the purpose of managing the performance of the site, as well as data relating to your use of the site. Although we perform regular routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the site. You agree that we shall have no liability to you for any loss or corruption of any such data, and you hereby waive any right of action against us arising from any such laws or corruption of data.

ELECTRONIC COMMUNICATIONS, TRANSACTIONS AND SIGNATURES

Visiting the site, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements common notices, disclosures, and other communications we provide to you electronically former via emails and on the site, satisfy any legal requirement that such communications be in writing. You hereby agree to the use of electronic signatures, contract, orders and other records and to electronic delivery of notices, policies and records of transactions initiated or completed by us or via the site. You hereby waive any rights or requirements under any statues, regulations, rules, ordinance or other laws in any jurisdictions which required an original signature or delivery or retention of non-electronic records or to payments or the granting of credits by any means other than electronic means.

BROOKLYN USERS AND RESIDENTS

If any complaint with us is not satisfactorily resolved, you can contact D complained assistance unit of the division of consumer services of Brooklyn Department of consumer affairs in writing address 2066 E 15 ST BROOKLYN or by telephone at +1-310-5642-520

MISCELLANEOUS

Do you terms and conditions and any policies or operating rules posted by us on the site or in respect to the site constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provisions of these terms and conditions shall not operate as a waiver of such rights or provisions. These terms and conditions operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations do others at any time. We shall not be responsible or labile for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of provision of these terms and conditions is determined to be unlawful, avoid, or unenforceable, that provision or part of the provision is deemed severable from these terms and conditions N does not affect diversity and enforceability of any remaining provisions. There is no joint venture, partnership, employment or agency relationship created between you and us as a result of these terms and conditions or use of the site. You agree that these terms and conditions will not be construed against us by virtue of having drafted them. You hereby waive any and all defenses you may have based on the electronic form of these terms and conditions and the lack of signing by the parties hereto to execute these terms and conditions.

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