Terms of Use
By accessing or using www.Fincopia.com (“Website”) or any service provided by Fincopia or its affiliates (“Fincopia”) (collectively, the “Service”), you agree to be bound by these Terms of Use (“Terms”). If you do not agree to these Terms, do not use the Service.
Your use of certain Services may be subject to additional terms, which will be either listed in these Terms or presented to you for acceptance when you sign up for such Services or purchase related products.
These Terms affect your legal rights and obligations. If you are under the age of thirteen (13), you are not permitted to use this Service in compliance with the Children’s Online Privacy Protection Act (COPPA). If you are a California resident under eighteen (18) years of age, you may request the removal of content or information you have posted on our Service as per California Business and Professions Code §22581.
1. Accounts
When creating an account with us, you must provide accurate, complete, and current information. Failure to do so may result in termination of your account. You are responsible for maintaining the security of your account credentials and must notify us immediately of any unauthorized access or security breach.
You are prohibited from creating duplicate accounts. We may terminate or suspend your account if we determine that you have violated these Terms.
2. Consumer Rights and Privacy (California Compliance)
As a California resident, you have the following rights under the California Consumer Privacy Act (CCPA):
Right to Know: You can request details about the personal information we collect, use, and disclose.
Right to Delete: You may request the deletion of your personal information, subject to certain exceptions.
Right to Opt-Out: You can opt-out of the sale of your personal information.
Non-Discrimination: You will not be discriminated against for exercising your CCPA rights.
For more details, please review our Privacy Policy.
3. License and Intellectual Property
Fincopia owns all rights to the content provided on the Service. You are granted a limited, revocable, non-exclusive, non-transferable, non-sublicensable right to use the Service only for its intended purpose.
4. Service Availability and Errors
We do not guarantee uninterrupted access to the Service. We reserve the right to modify or discontinue the Service at any time without prior notice.
5. Third-Party Links
We are not responsible for third-party websites linked from our Service. You access such websites at your own risk.
6. Copyright Complaints (DMCA Compliance)
If you believe your intellectual property rights have been violated, submit a notice under the Digital Millennium Copyright Act (DMCA) by emailing [email protected] with the required details.
7. Compliance with California Laws
You agree to comply with all applicable California laws, including but not limited to California Online Privacy Protection Act (CalOPPA), CCPA, and the California Automatic Renewal Law. If you enroll in an automatically renewing service, you will receive clear disclosures before payment and cancellation instructions per California Business and Professions Code §17600.
8. Indemnification
You agree to indemnify and hold harmless Fincopia from claims arising from your use of the Service or violation of these Terms.
9. Limitation of Liability
Fincopia is not liable for damages arising from your use of the Service, except as required by California Civil Code §1660.
10. Arbitration and Dispute Resolution (California Arbitration Requirements)
Any disputes shall be resolved through binding arbitration under the rules of the American Arbitration Association, in accordance with California Code of Civil Procedure §1281.92, which ensures fairness in consumer arbitration agreements. You retain the right to opt-out of arbitration by providing written notice within 30 days of accepting these Terms.
11. Governing Law
These Terms are governed by the laws of California. Any legal action must be filed in a California court.
12. Class Action Waiver
To the extent permitted by law, you waive the right to participate in class actions against Fincopia.
13. Changes to Terms
We reserve the right to modify these Terms at any time. Any material changes will be communicated to you.
14. Contact Us
For any questions regarding these Terms, email [email protected].