Terms & Conditions
Acceptance of Terms
These Terms and Conditions ('Terms', 'Terms and Conditions') govern yourrelationship with this Service (the 'Service') operated by Fincake Ltd. (the ‘Fincake’,‘Company’, 'us', 'we', or 'our'). Please read these Terms and Conditions carefully
before using our Service. Your access to and use of the Service is conditioned onyour acceptance of and compliance with these Terms. These Terms apply to all
visitors, users and others who access or use the Service.
By accessing or using the Service you agree to be bound by these Terms. If youdisagree with any part of the terms then you may not access the Service.
Your access to and use of the Service is also conditioned on Your acceptance of andcompliance with the Privacy Policy of the Company. Our Privacy Policy describes
Our policies and procedures on the collection, use and disclosure of Your personal
information when You use the Application or the Website and tells You about Yourprivacy rights and how the law protects You. Please read Our Privacy Policy carefully
before using Our Service.

Definitions
For the purposes of these Terms and Conditions:●Affiliate means an entity that controls, is controlled by or is under common
control with a party, where "control" means ownership of 50% or more of theshares, equity interest or other securities entitled to vote for election ofdirectors or other managing authority.

●Account means a unique account created for You to access our Service orparts of our Service.

●Company (referred to as either “Fincake”, "the Company", "We", "Us" or"Our" in this Agreement) refers to Fincake Ltd. located at British Virgin
Islands, Road Town, Tortola, Quijano Chambers, P.O. Box 3159

●Content refers to content such as text, images, or other information that canbe posted, uploaded, linked to or otherwise made available by You, regardlessof the form of that content.

●Country refers to: British Virgin Islands

●Feedback means feedback, innovations or suggestions sent by You regarding
the attributes, performance or features of our Service.

●

Promotions refer to contests, sweepstakes or other promotions offeredthrough the Service.

●

Service refers to the Fincake application.

●

Subscriptions refer to the services or access to the Service offered on a
subscription basis by the Company to You.

●Free Trial refers to a limited period of time that may be free when purchasinga Subscription.

●Terms and Conditions (also referred as "Terms") mean these Terms andConditions that form the entire agreement between You and the Company
regarding the use of the Service.

●Third-party Social Media Service means any services or content (including
data, information, products or services) provided by a third-party that may bedisplayed, included or made available by the Service.

●Website refers to the Fincake website, accessible from https://fincake.io/●You means the individual accessing or using the Service, or the company, orother legal entity on behalf of which such individual is accessing or using theService, as applicable.

Payments
Subscription period‍
The Service or some parts of the Service are available only with a paid Subscription.
You will be billed in advance on a recurring and periodic basis (monthly or annually),
depending on the type of Subscription plan you select when purchasing theSubscription.
At the end of each period, Your Subscription will automatically renew under the exact
same conditions unless You cancel it or the Company cancels it.
Subscription cancellations
You may cancel Your Subscription renewal either through Your Account settings
page or by contacting the Company.

You will not receive a refund for the fees You already paid for Your current
Subscription period and You will be able to access the Service until the end of Your
current Subscription period.
A valid payment method, including debit card, credit card, blockchain crypto wallet, isrequired to process the payment for your Subscription. You shall provide theCompany with accurate and complete billing information including full name,address, state, zip code, telephone number, and a valid payment method
information. By submitting such payment information, you automatically authorize theCompany to charge all Subscription fees incurred through your account to any suchpayment instruments.
Should automatic billing fail to occur for any reason, the Company will issue anelectronic invoice indicating that you must proceed manually, within a certain
deadline date, with the full payment corresponding to the billing period as indicatedon the invoice.
Fee Changes
The Company, in its sole discretion and at any time, may modify the Subscription
fees. Any Subscription fee change will become effective at the end of thethen-current Subscription period.
The Company will provide You with reasonable prior notice of any change in
Subscription fees to give You an opportunity to terminate Your Subscription before
such change becomes effective.
Your continued use of the Service after the Subscription fee change comes into
effect constitutes Your agreement to pay the modified Subscription fee amount.
Refunds
Except when required by law, paid Subscription fees are final and non-refundable.
Certain refund requests for Subscriptions may be considered by the Company on acase-by-case basis and granted at the sole discretion of the Company.
Free Trial
The Company may, at its sole discretion, offer a Subscription with a Free trial for alimited period of time.

You may be required to enter Your billing information in order to sign up for the Freetrial.
If You do enter Your billing information when signing up for a Free Trial, You will not
be charged by the Company until the Free trial has expired. On the last day of theFree Trial period, unless You cancelled Your Subscription, You will be automaticallycharged the applicable Subscription fees for the type of Subscription You haveselected.
At any time and without notice, the Company reserves the right to (i) modify theterms and conditions of the Free Trial offer, or (ii) cancel such Free trial offer.

Promotions
Any Promotions made available through the Service may be governed by rules thatare separate from these Terms.
If You participate in any Promotions, please review the applicable rules as well as
our Privacy policy. If the rules for a Promotion conflict with these Terms, thePromotion rules will apply.

Accounts
When you create an account with us, you must provide us with information that isaccurate, complete, and current at all times. Failure to do so constitutes a breach ofthe Terms, which may result in immediate termination of your account on ourService.
You are responsible for safeguarding the password that you use to access theService and for any activities or actions under your password, whether yourpassword is with our Service or a third-party service.
You agree not to disclose your password to any third party. You must notify us
immediately upon becoming aware of any breach of security or unauthorized use ofyour account.
You may not use as a username the name of another person or entity or that is notlawfully available for use, a name or trademark that is subject to any rights of anotherperson or entity other than You without appropriate authorization, or a name that isotherwise offensive, vulgar or obscene.

Intellectual Property
All company, product and service names, logos, and brands used in this website areproperty of their respective owners. All company, product and service names used inthis website are for identification purposes only. Use of these names, logos, andbrands does not imply endorsement.
The Service and its original content, features and functionality are and will remain
the exclusive property of Fincake and its licensors. The Service is protected bycopyright, trademark, and other laws of both the British Virgin Islands and foreigncountries. Our trademarks and trade dress may not be used in connection with any
product or service without the prior written consent of Fincake.

Links To Other Web Sites
Our Service may contain links to third-party websites or services that are not owned
or controlled by the Company.
The Company has no control over, and assumes no responsibility for, the content,
privacy policies, or practices of any third party web sites or services. You furtheracknowledge and agree that the Company shall not be responsible or liable, directly
or indirectly, for any damage or loss caused or alleged to be caused by or inconnection with use of or reliance on any such content, goods or services available
on or through any such web sites or services.
We strongly advise you to read the terms and conditions and privacy policies of any
third-party web sites or services that you visit.

Termination
We may terminate or suspend your account immediately, without prior notice orliability, for any reason whatsoever, including without limitation if you breach theTerms.
Upon termination, your right to use the Service will immediately cease. If you wish toterminate your account, you may simply discontinue using the Service.
Intellectual Property and Content Ownership
Proprietary Rights:

1. Your Content. Depending on the Offering, you may share Content with us.
Except as provided in this Section 7, we obtain no rights under thisAgreement from you (or your licensors) to Your Content. You consent to ouruse of Your Content to provide the Offerings to you.
2. Offerings License. We or our licensors own all right, title, and interest in and tothe Offerings, including all related technology and intellectual property rights.
Subject to the terms of this Agreement, we grant you a limited, revocable,non-exclusive, non-sublicensable, non-transferable license to do the following:(a) access and use the Offerings solely in accordance with this Agreement;and (b) copy and use Our Content solely in connection with your permitted
use of the Offerings. Except as provided in this Section 2, you obtain no rights
under this Agreement from us, our affiliates or our licensors to the Offerings,
including any related intellectual property rights. Some of Our Content andThird-Party Content may be provided to you under a separate license, suchas the Apache License, Version 2.0, or other open source license. In theevent of a conflict between this Agreement and any separate license, theseparate license will prevail with respect to Our Content or Third-Party
Content that is the subject of such separate license.
3. License Restrictions. Neither you nor any End User will use the Offerings inany manner or for any purpose other than as expressly permitted by thisAgreement. Except as authorized, neither you nor any End User will, or willattempt to (a) modify, distribute, alter, tamper with, repair, or otherwise create
derivative works of any Content included in the Offerings (except to the extent
Content included in the Offerings is provided to you under a separate licensethat expressly permits the creation of derivative works), (b) reverse engineer,
disassemble, or decompile the Offerings or apply any other process orprocedure to derive the source code of any software included in the Offerings(except to the extent applicable law doesn’t allow this restriction), (c) accessor use the Offerings in a way intended to avoid incurring fees or exceeding
usage limits or quotas, (d) use scraping techniques to mine or otherwise
scrape data except as permitted by a Plan, or (e) resell or sublicense theOfferings unless otherwise agreed in writing. You will not use Our Marks
unless you obtain our prior written consent. You will not misrepresent orembellish the relationship between us and you (including by expressing or
implying that we support, sponsor, endorse, or contribute to you or yourbusiness endeavors). You will not imply any relationship or affiliation between
us and you except as expressly permitted by this Agreement.
4. Suggestions. If you provide any Suggestions to us or our affiliates, we and ouraffiliates will be entitled to use the Suggestions without restriction. You hereby
irrevocably assign to us all right, title, and interest in and to the Suggestions
and agree to provide us any assistance we require to document, perfect, andmaintain our rights in the Suggestions.

5. U.S. Government Users. If you are a U.S. Government End User, we arelicensing the Offerings to you as a “Commercial Item” as that term is definedin the U.S. Code of Federal Regulations (see 48 C.F.R. § 2.101), and therights we grant you to the Offerings are the same as the rights we grant to allothers under these Terms of Use.

Limitation of Liability
In no event shall the Company, nor its directors, employees, partners, agents,suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or
punitive damages, including without limitation, loss of profits, data, use, goodwill, orother intangible losses, resulting from (i) your access to or use of or inability toaccess or use the Service; (ii) any conduct or content of any third party on theService; (iii) any content obtained from the Service; and (iv) unauthorized access,use or alteration of your transmissions or content, whether based on warranty,contract, tort (including negligence) or any other legal theory, whether or not we havebeen informed of the possibility of such damage, and even if a remedy set forth
herein is found to have failed of its essential purpose. The foregoing disclaimer will
not apply to the extent prohibited by law

For European Union (EU) Users
If You are a European Union consumer, you will benefit from any mandatory
provisions of the law of the country in which you are resident in.

United States Federal Government End-Use Provisions
If You are a U.S. federal government end user, our Service is a "Commercial Item"as that term is defined at 48 C.F.R. §2.101.

United States Legal Compliance
You represent and warrant that (i) You are not located in a country that is subject tothe United States government embargo, or the United States government has
designated that as a “terrorist supporting” country, and (ii) You are not listed on any
United States government list of prohibited or restricted parties.

Translation Interpretation

These Terms and Conditions may have been translated if We have made themavailable to You on our Service.
You agree that the original English text shall prevail in the case of a dispute.

Your Feedback to Us
You assign all rights, title and interest in any Feedback You provide the Company. If
for any reason such assignment is ineffective, You agree to grant the Company anon-exclusive, perpetual, irrevocable, royalty free, worldwide right and licence touse, reproduce, disclose, sub-licence, distribute, modify and exploit such Feedback
without restriction.

Changes to These Terms and Conditions
We reserve the right, at Our sole discretion, to modify or replace these Terms at anytime. If a revision is material We will make reasonable efforts to provide at least 30days' notice prior to any new terms taking effect. What constitutes a material change
will be determined at Our sole discretion.
By continuing to access or use Our Service after those revisions become effective,
You agree to be bound by the revised terms. If You do not agree to the new terms, inwhole or in part, please stop using the website and the Service.

Contact Us
If you have any questions about these Terms and Conditions, You can contact us byemail info@fincake.io