Terms of Service

1. Acceptance of Terms

By accessing or using finorgans.com ("the Website"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree with any part of these Terms, you must not use the Website. These Terms apply to all visitors, users, and others who access or use the Website.

These Terms should be read alongside our Privacy Policy and Cookie Policy, which are incorporated herein by reference.

2. Description of Service

finorgans.com is a free, non-commercial, encyclopedic reference website that provides factual and informational content about financial institutions worldwide. The Website includes profiles of central banks, commercial banks, investment banks, insurance companies, pension funds, credit unions, hedge funds, credit rating agencies, development banks, and fintech companies.

finorgans does not offer, sell, or provide any paid services, financial products, investment advice, or financial intermediary services of any kind. The Website is strictly an informational resource.

3. Informational Purposes Only

All content published on finorgans.com is provided strictly for general informational and educational purposes. Nothing on this Website constitutes:

• Financial, investment, or trading advice of any kind
• Legal, tax, accounting, or professional advice
• A recommendation to buy, sell, or hold any financial instrument or security
• An endorsement, promotion, or criticism of any financial institution or product
• An offer or solicitation to provide financial services

Users should consult qualified financial, legal, or other professional advisors before making any financial or investment decisions. finorgans expressly disclaims all responsibility for any financial decisions made in reliance upon content found on this Website.

4. Intellectual Property

The content published on finorgans.com — including but not limited to text, graphics, logos, icons, and the overall design — is the intellectual property of finorgans or its content contributors and is protected by applicable copyright and intellectual property laws.

You are permitted to access and read the content on finorgans.com for personal, non-commercial, informational purposes. You may share links to pages on finorgans.com. You may not:

• Reproduce, copy, or distribute the Website's content for commercial purposes without our prior written permission
• Modify or create derivative works based on our content
• Scrape or systematically harvest data from the Website using automated tools
• Frame or embed the Website's content in another website without permission

For academic citation, journalism, or educational use, brief quotation with proper attribution to finorgans.com is generally acceptable under fair use principles.

5. Accuracy of Information

finorgans makes reasonable efforts to ensure the accuracy and currency of the information published on this Website. However, the financial sector changes rapidly, and we cannot guarantee that all information is complete, accurate, or up to date at all times.

Information is provided "as is" without warranties of any kind, either express or implied. finorgans makes no representations about the suitability of the information for any particular purpose.

If you identify an error or outdated information, we encourage you to notify us via our contact page. We will review and update content as resources allow.

6. Third-Party Links

The Website may contain links to third-party websites for reference and informational purposes. These links are provided for user convenience only. finorgans has no control over the content, privacy practices, or accuracy of third-party sites and is not responsible for them. Linking to a third-party website does not constitute endorsement.

7. User Conduct

In using finorgans.com, you agree not to:

• Use the Website for any unlawful purpose
• Attempt to gain unauthorized access to any part of the Website or its infrastructure
• Transmit any harmful, offensive, or disruptive material via the contact form
• Use automated tools to access or scrape the Website in a manner that places an unreasonable burden on our servers
• Misrepresent your affiliation or identity when contacting us

8. Disclaimer of Warranties

The Website and all content are provided on an "as is" and "as available" basis, without any express or implied warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. finorgans does not warrant that the Website will be uninterrupted, error-free, secure, or free of viruses or other harmful components.

9. Limitation of Liability

To the maximum extent permitted by applicable law, finorgans and its team shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, this Website or its content. This includes but is not limited to damages resulting from reliance on information provided on this Website, financial losses, or loss of data.

10. Modifications to the Website and Terms

finorgans reserves the right to modify, suspend, or discontinue the Website or any part of it at any time without notice. We also reserve the right to update these Terms at any time. Updated Terms will be posted with a revised effective date. Your continued use of the Website after changes constitutes acceptance of the updated Terms.

11. Governing Law

These Terms shall be governed by and construed in accordance with applicable law. Any disputes arising in connection with these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the competent courts of the applicable jurisdiction.

12. Contact

If you have questions about these Terms of Service, please contact us at info@finorgans.com or through our contact page.