Website Terms of Use

Introduction

These Terms govern access and use of the website of Finom: https://finom.co/ and its associated websites (collectively referred to as the “Website”). By accessing or using this Website, you accept these Terms, including other related policies (e.g., Finom Privacy Policy and Finom Cookie Policy), and agrees to comply with them. If you do not agree to any of these, you must refrain from accessing this Website.

About us

This Website is operated by Finom (a trade name of PNL Fintech B.V.), registered in The Netherlands at the Chamber of Commerce (Kamer van Koophandel) under number 74178784. Any payment or electronic money services offered via this Website are provided by Finom Payments B.V. registered in The Netherlands at the Chamber of Commerce (Kamer van Koophandel) under number 78680751. To contact Finom, please refer to the Contact Information section further below.

Changes to Terms and Website

Finom may amend these Terms from time to time. Every time you use the Website, you should check the Terms to ensure you understand the conditions that apply at that time. Finom may also update or change the content of this Website periodically to reflect changes in its products, users' needs, or business priorities. Finom reserves the right to suspend or withdraw any part of the Website without prior notice for operational or business reasons. Finom does not guarantee that the Website or any content on it will always be available or uninterrupted.

Use of the Website

You acknowledge that you possess the necessary skills and resources to access and utilize the Website effectively. By using the Website, you agree to comply with these Terms. If you are provided with login credentials such as a user identification code or password, you must keep this information confidential and must not share it with any third party. You are fully responsible for any activities that occur under their credentials, whether authorized or unauthorized. You are encouraged to use strong passwords and update them regularly to enhance security. You are responsible for ensuring that any persons who access the Website through your internet connection are aware of these Terms and comply with them. You are also responsible for ensuring that their use of the Website, including any content they upload, does not violate any applicable laws, regulations, or the rights of third parties. Finom has the right to disable your identification code or password, whether chosen by you or allocated by Finom, at any time, if in its reasonable opinion, you have failed to comply with any of the provisions of these Terms. Such termination or suspension of access may occur without prior notice, particularly in cases of suspected fraud, breach of security, or misuse of the Website. If you suspect that your security information has been compromised, you should notify Finom immediately through the contact methods provided in the Contact Information section further below. Finom will not be responsible for any unauthorized access to your account that results from your failure to keep your login credentials secure. Additionally, you are prohibited from using the Website in any manner that may damage, disable, or impair the Website’s functionality or interfere with any other party's use of the Website. You must not attempt to reverse engineer, decompile, or otherwise extract the source code of the Website without prior written consent from Finom. Finom reserves the right to monitor your activity on the Website to ensure compliance with these Terms. Any violations of the Terms may result in legal action, including but not limited to claims for damages or criminal prosecution, where applicable.

Intellectual property

All content on this Website—including but not limited to text, images, logos, graphics, designs, and other media—is the exclusive property of Finom or its licensors and is protected by copyright, trademark, database rights, and other intellectual property laws and treaties globally. These rights are fully reserved, and any unauthorized use or reproduction of the content is strictly prohibited. You are permitted to access, view, and print materials from the Website solely for personal, non-commercial purposes unless otherwise permitted by applicable law or in the Agreement with Finom. Any use of the content beyond personal reference — such as modifying, copying, reproducing, distributing, publicly displaying, or using any portion of the Website for commercial purposes — without prior written authorization from Finom is prohibited and will constitute a breach of these Terms. Unauthorized use of the Website’s content, whether for commercial exploitation or other unauthorized activities, will result in the immediate revocation of your right to access and use the Website. Finom reserves the right to take legal action or any other measures deemed necessary to protect its intellectual property rights. Where Finom has included social sharing buttons, you may share specific content for personal, non-commercial purposes, provided that such sharing complies with the usage guidelines set out in these Terms. However, you must not alter, distort, or misrepresent any shared content, and the sharing must not suggest any affiliation, endorsement, or partnership with Finom without its prior written consent.

Uploading Content to the Website

By submitting content, you grant Finom and our affiliates a non-exclusive, worldwide, royalty-free license to use, store, copy, and distribute the content. This license allows Finom to utilize the content in any manner it deems appropriate, including for promotional and marketing purposes. When uploading content to the Website, you must ensure that your submissions adhere to specific standards and terms set forth in these Terms. In particular, you are prohibited from uploading the following content:

• Offensive or abusive content. This includes any material that is abusive, harassing, threatening, or discriminatory towards individuals or groups based on race, ethnicity, nationality, religion, gender, sexual orientation, disability, or any other characteristic.

• Illegal content. Content that violates applicable laws or regulations is strictly prohibited. This includes, but is not limited to, content that promotes illegal activities, encourages violence, or contains fraudulent information.

• Сontent that infringes on intellectual property rights. You must ensure that you hold the necessary rights to any material they upload and that such material does not infringe upon the copyrights, trademarks, or other intellectual property rights of any third party.

• Сontent that contains malicious software. You are not permitted to upload content that contains viruses, malware, or any other harmful code that may disrupt, damage, or interfere with the operation of the Website or the devices of other users.

By uploading content, you warrant that your submissions comply with these standards and do not violate any rights of third parties. Finom reserves the right to review, monitor, and remove any content that, in its sole discretion, is deemed inappropriate, offensive, or not in compliance with these Terms. If you violate these content standards you may face immediate removal of your submissions and potential suspension or termination of your access to the Website. Furthermore, Finom may take appropriate legal action against you if you submit content that is deemed illegal or harmful.

Information on the Website

The information provided on this Website is intended solely to inform you about the financial products and services offered by Finom. The information on this Website does not constitute an offer or invitation to buy or sell securities. Any actions taken based on the Website’s information are at your own risk. The content on the Website may change periodically without notice, and Finom is under no obligation to update any information. The information provided on this Website is for general informational purposes only and is not intended to serve as a substitute for financial, tax, legal, investment, or any other type of professional advice. While Finom endeavors to keep the information current and accurate, it makes no representations, warranties, or assurances of any kind regarding the completeness, validity, accuracy, suitability, or availability of any content on the Website. Therefore, any reliance you place on such information is strictly at your own risk. Finom strongly advises you to consult with qualified professionals before making any decisions or taking actions based on the content found on the Website. Decisions related to financial matters, investments, or other significant undertakings should be based on your own research and the advice of specialists in the respective fields. Finom will not be responsible for any errors or omissions in the content, or for any outcomes resulting from its use. You are solely responsible for assessing the appropriateness of the information in view of their specific circumstances and for any consequences arising from the use of such content, including but not limited to financial loss, operational disruptions, or legal ramifications. You should also be aware that Finom may display third-party content or links to external websites for informational purposes. The inclusion of such third-party content does not imply endorsement by Finom, and Finom does not assume any responsibility for the accuracy or reliability of information contained on those external websites. If you access third-party websites, please note that these may be subject to the terms and privacy policies of those sites, and it is recommended that you review those policies carefully before engaging with any external content.

Liability Waiver and Limitations

8.1 General Waiver of Liability

Finom disclaims all liability for any damages, direct or indirect, resulting from access to or use of this Website. While Finom endeavors to provide accurate and reliable information, it makes no guarantees that the Website will function flawlessly, without errors, interruptions, or harmful elements such as viruses, malware, or other destructive components. Finom shall not be liable for any damages arising from the use or inability to use this Website, including but not limited to loss of profits, business interruptions, loss of data, reputational harm, or other consequential, indirect, or incidental damages, regardless of whether such losses were foreseeable or brought to Finom’s attention. The use of this Website and its content is at your own risk, and Finom does not accept liability for any decisions made based on the content provided on the Website. Finom encourages you to verify the accuracy of any information and seek professional advice before acting upon it.

8.2 Exclusion of Liability for Third-Party Websites

This Website may contain links to third-party websites, which are provided for informational and convenience purposes only. Finom does not control, monitor, or endorse the content of such external websites, nor does it assume any responsibility for their accuracy, legality, or safety. You access third-party websites entirely at your own risk, and Finom shall not be held liable for any losses, damages, or disputes that may arise from the use of or reliance on content provided on such external websites. It is your responsibility to evaluate the content and terms of use of any third-party websites you choose to visit.

8.3 Viruses and Security

Finom does not guarantee that the Website will be secure or free from bugs, viruses, or other harmful material. You are responsible for configuring your own systems and software to access the Website, including using adequate up-to-date security software. You must not misuse the Website by knowingly introducing viruses, trojans, worms, logic bombs, or other material that is malicious or technologically harmful. Unauthorized attempts to access the Website’s server or the data stored on it, to overload the system, or to attack it in any way are strictly prohibited and may constitute criminal offenses under applicable laws. You are prohibited from attempting to gain unauthorized access to restricted areas of the Website, servers, or any databases connected to the Website. In the event of any such breach, Finom reserves the right to report any such unauthorized access or activities to the relevant authorities and cooperate fully with them, including disclosing any necessary user information.

Applicable Law and Dispute Resolution

These Terms, as well as any use of the Website, are governed by and construed in accordance with the laws of The Netherlands, without regard to any principles of conflicts of law. By accessing and using this Website, you agree that all matters relating to access, use, or any other issue arising in connection with the Website, including but not limited to disputes regarding the interpretation, validity, or breach of these Terms, shall be governed by Dutch law. In the event of a dispute, claim, or controversy arising out of or relating to the use of this Website or these Terms, you agree to firstly seek resolution through amicable negotiations with Finom. If such efforts do not lead to a satisfactory resolution, the dispute shall be submitted to the exclusive jurisdiction of the competent courts of The Netherlands. You hereby waive any right to challenge the jurisdiction or venue of these courts on grounds of inconvenience or otherwise.

Miscellaneous

10.1 Severability

If any provision of these Terms is found by a competent authority to be invalid, unlawful, or unenforceable for any reason, that provision shall be severed from the remaining Terms, which shall continue to be valid and enforceable to the fullest extent permitted by applicable law. The invalid or unenforceable provision shall either be amended to the minimum extent necessary to render it enforceable or, where this is not possible, shall be replaced by a provision that achieves, to the extent possible, the original objectives of the invalid provision.

10.2 Waiver of Rights

Failure or delay by Finom to exercise or enforce any right or provision under these Terms shall not be deemed a waiver of such right or provision, nor shall it affect the ability of Finom to enforce that provision or any other provision at a later time. Any waiver by Finom of any breach or default by a user under these Terms must be in writing to be legally binding and shall not constitute a waiver of any subsequent breach or default.

10.3 Entire Agreement

These Terms, together with any policies or notices referred to herein (including but not limited to the Privacy Policy and Cookie Policy), constitute the entire agreement between you and Finom regarding the use of the Website. They supersede any prior agreements, understandings, or arrangements, whether written or oral, in relation to the use of the Website.

10.4 Force Majeure

Finom shall not be held liable for any failure to perform, or delay in performing, its obligations under these Terms due to circumstances beyond its reasonable control, including but not limited to acts of God, war, strikes, pandemics, natural disasters, internet outages, or governmental restrictions. In such cases, Finom will take reasonable steps to minimize the impact on users but is under no obligation to provide compensation or reimbursement for any losses arising from such events.

Legal Disclaimer

For your convenience, all local versions of Finom’s Terms of Use have been translated from the original English version. In the event of any differences or ambiguities in the translated version, the official English version shall be considered the authoritative source for all interpretations.

Contact Information

For questions, issues, or complaints regarding the use of this Website, please contact Finom at:

PNL Fintech B.V. (Finom)

Registered Address: Jachthavenweg 109h, 1081KM Amsterdam, The Netherlands