1.   TERMS OF SERVICE

We will process and store your data in order to help you find financial products that we believe meet the needs you have indicated in the application you submit. In addition, we will periodically email you news and related content. You can unsubscribe and withdraw your consent at any time.

2.   GENERAL CONDITIONS

These general conditions (the "Terms") govern the use and access to the website/s or internet service/s that Fintech Orchard ("FO"), a trading name of Monmia Operations Limited makes available to users (the "Website").


By accessing the Website and the information regarding any of the products and services contained therein you will be considered a user ("User") and are presumed to accept these general conditions. Therefore, as a user, we recommend that you carefully read its contents if you wish to access and make use of the information, as well as the services offered from the FO website/s.


The information published on this website by FO has been carried out in accordance with the regulations in force on financial services and advertising that is applicable in Spain, so it has not taken into account the requirements established by the legislation of other states. Its content, of an informative and guidance nature, should not be decisive for the user to make a decision on the financial products contained on the web, and in no case implies suggestion, invitation or recommendation for the contracting of services offered therein or of the loan operations to which it refers. Where applicable, the decision to contract services or operations by customers and users shall be deemed to have been made under their sole responsibility by declining FO any direct or indirect liability that for damages of any kind may arise from such decisions.

3.   OBJECT

These Terms regulate the access and use by Internet users of the Website, as well as the use and provision of the contents and Services that FO provides through the Website and through other means such as telephone.


FO's "Service" or "Services" consist mainly of the following:


Contribution of information to the User in relation to the financial services of third parties for the making of correct decisions in the contracting of such products.


FO is responsible for determining and analysing, according to the profile entered by the User at the time of registration, those products or services of third parties that fit the needs and interests of each User. Therefore, its Services allow the User to access qualified information and check the options that are in the financial market according to their interests.


FO reserves the right to unilaterally modify, at any time and without prior notice, the presentation and configuration of the Website as well as to update, modify or delete the information contained in the Website and Services. Likewise, FO reserves the right to update or revise these Terms, upon notice to the User through the Website, for legal reasons or for changes in the provision of the Service. The latest version of the Terms will always be available on the Website. In case of modification of the Terms, the User may within 30 days of notification of the modification, if he/she does not agree to the new Terms, terminate the contract by canceling his/her subscription to the Service. Your continued use of the Service once the new terms have come into force will signify acceptance of the same.


The User must have an Internet connection or the network of the corresponding mobile operator, as well as all the necessary means for this purpose, to access and use the Service (no case such services will be understood included in the Service offered by FO). The User must also consult the compatibility of devices and the disposition requirements (applications, connections,etc.) in order to enjoy these facilities, making FO available all the necessary information on the Website.


In no case will FO be part of the legal relations established between the financial institutions, whose offers are presented to the User through the Service or the Website, nor will it participate legally in them in any way (particular does not prepare the conditions, determines the same, accepts proposals, validates their contents, certifies the correctness and legality thereof, among others). Therefore, it recommends that all FO Users verify prior contracting the full conditions of any products or services of third parties that may be offered through their Services and, where appropriate, seek legal advice for their correct formalization.



4.   USER PROFILE

FO provides its services to individuals, professionals and companies, in order to help them obtain the best financial product that best fits their profile.


Private or professional users using FO's services must be of legal age.



5.   SERVICES, TERMS OF USE AND CONTENT OF THE WEBSITE

FO provides its services in the field of prospecting management, direct response and generation of databases of potential customers and knows the insecurity and mistrust that an open network like the Internet generates in its users. For this reason, FO has as one of its essential and priority objectives to offer a service as secure and confidential as possible, safeguarding the privacy of the communications and personal data of the User.


The User assumes for condition the obligation to make a legitimate use of the Services and the Website, always under the respect of these Terms and the current law. In particular but without limitation, the User shall not in relation to or within the Service:


Register or communicate data that is not true, accurate, complete and/or up-to-date. The User must use the update tools established on the Website in order to introduce the necessary changes to the User's data; the Service using the name, identifying data or password of another User or impersonate any person or identity. Use the Service for uses other than personal and private use;


Use the Service for uses other than personal and private use, and primarily to resell or otherwise provide your own services to third parties based on the Service or Products offered by third-party suppliers; ; defame, abuse, disturb, harass, threaten or otherwise violate any right of other Users or any other person;


Use the Service to communicate any information or content that is contrary to the rights of others, such as those that are defamatory, aggressive, obscene, sexually explicit, offensive, violent or inciting violence, racist or xenophobic, or generally illegal;


Infringe the intellectual or industrial property rights of FO or any third party including any patent, trademark, tradename, advertising rights or the like. In case of providing any User Content that may hold such protection, the User must have all the corresponding rights for use in accordance with the Service; infringe the rights relating to the personal data, privacy or protection of the image of any natural and/or legal person or the reputation of any third party through the Service;


Restrict or prevent any other User from using and enjoying the Service;


Send or disseminate information, codes or content that may reduce, harm, disturb or prevent the normal use of the Service by any User, and/or that may damage or damage the equipment or property of FO or other Users, including, without limitation, malicious applications, viruses, unsolicited message submissions (SPAM), etc. FO reserves the right to delete messages sent by a User, in order to maintain a good quality of use of the Service;


Or send requested or unsolicited commercial communications, or any other type of advertising not authorized by FO by any means (including without limitation by email, SMS or any other means of communication), either to third parties or any other User of the Service.


FO reserves the right to review, at any time and without prior notice, on its own initiative or at the request of a third party, compliance with these Terms as well as the content transmitted, disseminated or made available to third parties by the User and to suspend or prevent their transmission, dissemination or making available to third parties in the event that, in its opinion, they are contrary to the provisions of these Terms or the Particular Conditions that are applicable..



6.   CONSIDERATION

The cost of the Services provided by FO through the Website to Users and/or their customers (mainly banks /lenders), is borne by the latter, unless expressly provided otherwise in the Particular Conditions, if applicable, applicable.



7.   RESPONSIBILITIES AND WARRANTIES

Access to the FO website and any use of the information contained therein is the sole responsibility of the User. FO shall not be liable for any consequence, damage or harm arising from such access or the use of the information contained on the website.


FO assumes no responsibility that may arise from damage to computer systems or those caused by the introduction of viruses and/or computer attacks contracted by the user due to their navigation or by any other arising from their navigation.


Likewise, FO is alien and will not be responsible for the manifestations that visitors of the forums or debates make in the chats, newsletters and opinion spaces that are linked to this website. It is forbidden to transmit or send through the web any illegal or illegal content, computer viruses and messages in general, that affect or violate the rights of FO or third parties. FO will cooperate with the authorities and courts of justice in identifying persons who may be responsible for disclosing illegal content.


FO does not guarantee the user access, availability or continuity in connection to the website. It also does not guarantee that the information, services, text, graphics, links or content of all articles contained on the FO website are accurate or complete, and FO expressly disclaims any liability for errors or omissions in these elements. FO will not be liable in the event of service interruptions, delays, malfunction, in general any problem, the origin of which is outside FO's control or comes from a willful performance of the User or force majeure. It also does not guarantee the usefulness, reliability of the contents provided through the website, which, are informative.


Any references made on FO's website to any product, service, process, link, hypertext or any other information using the brand, trade name or manufacturer or supplier, etc. owned by third parties does not constitute or imply endorsement, sponsorship or recommendation by FO.


Users are aware that the Services provided by FO are limited to the presentation of the different products that may fit their profile, taking into account the information previously provided. The information and conditions of the offers are provided by the entities directly to FO, having not the latter, any responsibility for the content of them. FO assumes no responsibility for the lack of products and/or services of third party suppliers that conform to the characteristics of the User..


Taking into account that the conditions of the lenders appearing on the FO Website may be modified at any time and without prior notice, it is recommended prior to the subscription of any product, verification thereof. FO will not be liable in any case for any damages that may be suffered by those persons who subscribe to products or services, and that arise from the use of the information provided through this service..


Monmia does not intervene in the final contracting of the products by the User, limiting its function to the transfer of its Website to entities or suppliers for the publication of its products. On the FO Website, the identity of the suppliers will be recorded in each of the products included.


FO is not responsible for the misuse of the Website Services, being the sole responsibility of the User. FO assumes no responsibility for the information contained in third-party websites that can be accessed by links or search engines of the FO Website. The presence of links on the FO Website is for informational purposes only and in no case implies suggestion, invitation or recommendation about them..


The establishment of a hyperlink, link or exchange does not imply in any case the existence of relations between the managers of FO and the owner of the website with which it is established, nor the acceptance and approval of its contents or services. FO’s managers exclude all liability on the sites linked from the Website and cannot control and do not control that Internet sites appear between them, the contents of which may be illegal, illegal, contrary to morality or good customs or inappropriate. The User should exercise extreme caution in the assessment and use of the information, content and services existing on the linked sites.


FO warrants that this Website:

does not provide illicit, immoral, obscene or harmful material;

does not promote any form of discrimination;

"junk" or "spam" ), «spam » ((spam)or news communications when there is no spam ,spam, or news  communications when there is no requested or authorized by the User;

does not infringe any intellectual or industrial property rights of third parties.




8.   INDUSTRIAL AND INTELLECTUAL PROPERTY RIGHTS

The formats, designs, logos, images, contents, programming,etc. of the Website and the Services in general have been developed by FO and, where applicable, by third parties who are doctors of FO, all of whom are responsible and owners of such content. In addition, these are adequately protected by copyright, and can be used under the conditions that each holder establishes at all times..


In particular, the entire contents of this Website and the Services, whether texts, images, sound, files, brands, logos, color combinations, or any other element, their structure and design, the selection and presentation of the Services included therein, and the computer programs necessary for their operation, access and use, are owned by FO or, where applicable, its licensors and are protected by industrial and intellectual property rights, the User must respect them..


With the continued acceptance and compliance of these Terms and during their term, FO grants the User a free, non-exclusive and non-transferable license to access the contents of the Website exclusively within the scope of the provision of the Service. Except for such license, any other rights to the content are the property of FO or its licensors. The User may not and must not sell, rent, lease, distribute, transfer, sublicense or otherwise dispose of the rights granted under this license or the contents of FO, except with the prior written permission of FO.



9.   DURATION AND TERMINATION

The provision of the Services is indefinitely until the User decides to. In addition, the User has the right of withdrawal from this intermediation contract within 14 days of the conclusion of the agreement by the intermediation services made by FO by the referral of said request in writing to the registered office of FO. The duration and termination of the contracts that the User enters into with the corresponding credit institutions shall be governed by the relationship established between both parties.


FO reserves the right to modify, suspend, restrict or discontinue, temporarily or permanently, access to and/or use of the Service to the User or any part thereof, including the cancellation of the user's account and name, without prior notice, in particular, but without limitation, in the following situations::


·     if the User fails to comply with these Terms;

·     if the User does not respect any other User or the rights of third parties;

·     if the User improperly uses the Website, any part of the Service or any other property of Monmia;


·     if the User is or appears to have no capacity to contract or generally appears to be under the age of 18;

·     in the event of a security failure or unauthorized access to the Service.



10.      LANGUAGE, JURISDICTION AND APPLICABLE LAW


The General Conditions and, where applicable, the Particular Conditions shall be governed by UK law.


The parties submit, their option, for the resolution of disputes and waiving any other jurisdiction, to the courts and tribunals of the user's domicile.


General

If any provision of these Terms is declared wholly or partially void or ineffective, this will affect only that provision or part thereof that is null or ineffective, subsisting in everything else the rest of the Terms.


The specific conditions under which the User contracts the Service will not be individually archived.


Identification and contact details

The domain as well as all services included therein are owned by Monmia Operations Limited (hereinafter, "FO"). Users can contact FO via using the contact form found on this website.