Terms of Service

Acceptance of Terms

These Terms of Use describe the rules that apply to your use of Fintacompass. Using the site means you accept these rules. If you do not agree with any part of them, you should stop using the site. We reserve the right to modify these Terms, and the version published on this page is always the current version in force.

Use of the Service

Your use of Fintacompass is permitted on the basis that you (a) do not break the law, (b) do not interfere with the operation of the site or any other user's enjoyment of it, (c) do not attempt to access non-public areas of the service, (d) do not reproduce or republish our content beyond fair use, and (e) do not use any automated system (bots, crawlers, scrapers) in a way that imposes an unreasonable load on the service.

Should you create an account on Fintacompass, you accept responsibility for keeping your credentials confidential and for all activity associated with your account. Notify us immediately of any unauthorized use. We reserve the right to suspend or terminate access for security reasons or for breach of these Terms.

Intellectual Property

All original content published on Fintacompass — including articles, headlines, photographs commissioned or licensed by us, illustrations, logos, design, and the underlying source code of the website — is the property of Fintacompass or our licensors and is protected by copyright, trademark, and other intellectual-property laws. You may view, share, and link to our content for personal, non-commercial purposes. Republishing, copying, mirroring, or commercial redistribution requires our prior written permission.

User Submissions

By submitting content to Fintacompass (tips, corrections, letters, photographs, etc.) you grant us permission to use that content editorially, including reproducing, editing, and adapting it for publication. You retain ownership of your submission, but you confirm that you have the legal right to share it with us and that publishing it would not infringe anyone else's rights.

Newsletter and Email Communications

If you sign up for the Fintacompass newsletter, we will use your email address to send the editions you have requested and, where permitted, occasional service messages related to your subscription. We will not pass your address to other organizations, and you can unsubscribe with a single click via the link in any email.

Third-Party Links and Sources

Outbound links from Fintacompass to other websites are provided for context and attribution. We do not endorse those sites and we have no control over their content or their treatment of your personal information. Once you click an outbound link, you have left our service and you are subject to whatever terms the third party publishes.

Disclaimer of Warranties

Fintacompass is provided on an "as is" and "as available" basis. To the maximum extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, and any warranty arising from course of dealing or usage of trade. Editorial reporting is fact-checked but is not financial, legal, medical, or other professional advice and should not be relied on as such.

Limitation of Liability

Except where prohibited by law, Fintacompass is not liable for indirect or consequential damages — including lost profits, lost data, or business interruption — that result from your use of the site. Our aggregate liability is limited to the greater of one hundred US dollars (USD 100) or the amount you paid us in the previous twelve months.

Indemnification

You will indemnify and hold harmless Fintacompass and its operators from any third-party claim that arises from your use of the site in violation of these Terms or applicable law. This indemnification covers reasonable attorneys' fees and other costs of defense. We will give you prompt notice of any claim and will cooperate reasonably in the defense.

Suspension and Termination

Either party may terminate this agreement at any time: by you, simply by discontinuing use of Fintacompass; by us, by suspending or restricting your access for any reason we consider appropriate. The provisions of these Terms that should reasonably survive — intellectual property, disclaimers, liability caps, indemnification, governing law — survive any termination.

Governing Law and Disputes

These Terms are governed by the laws of the jurisdiction in which Fintacompass's operator is established, without regard to its conflict-of-law provisions. To the extent permitted by applicable law, any dispute arising out of or relating to these Terms or your use of the site will be resolved in the competent courts of that jurisdiction. Nothing in this section affects any non-waivable consumer-protection rights you have under the law of your country of residence.

Changes to These Terms and How to Reach Us

We may revise these Terms of Use from time to time. The current version is always the one published on this page, and the "Last updated" date indicates when it became effective. For material changes we will provide reasonable advance notice, for example via a banner on the site or a note in our newsletter. Questions about these Terms can be sent through our Contact form, which routes directly to the editorial team at Fintacompass.