1.1. EXIN Financial Services Holding B.V and its affiliates ("EXIN, We, Our or Us") owns and controls the website at [www.exingroup.global] and related EXIN domains (together, the "Website"). EXIN is a limited liability company under Dutch law, with registered offices at Symphony Offices, 5th floor, Gustav Mahlerplein 23A, 1082 MS Amsterdam, The Netherlands. Any reference to "EXIN, We or Us" in these terms and conditions includes its management, employees and consultants, unless expressly stated otherwise.

1.2. The use of the Website is subject to the following terms and conditions. Anyone accessing the Website (You) shall read these terms and conditions carefully before using the Website and acknowledges and agrees to be bound by these terms and conditions.

1.3. The purpose of the Website is to provide You with information

1.4. We reserve the right to amend these terms and conditions at any time without notice. You are responsible to monitor any changes of these terms and conditions. If You disagree with the amended terms and conditions, You shall immediately stop the use of the Website. The continued use of the Website shall imply that You acknowledge and agree to the amended terms and conditions.

2. Other Applicable Terms

2.1. Our Privacy Policy sets out the terms on which we process any personal data we collect from you or that you provide to us. By using the Website, you consent to such processing and you warrant that all data provided by you is accurate.

2.2. Our Cookies Policy sets out information about the cookies on the Website.

2.3. By using the Website you confirm you accept the terms of these policies.

3. Intellectual Property

3.1. All worldwide copyrights, trademarks, trade names, design rights, database rights, patents and/or any other intellectual property right (“Intellectual Property) with regard to the Website and its content is exclusively owned and/or controlled by EXIN and/or its licensors.

3.2. You shall not infringe the Intellectual Property in any way and may only use the Intellectual Property in accordance with the purpose of the Website, for private, non-commercial, personal use. Such right to use is non-transferrable and does not include the right to grant sublicenses and may be terminated by Us any time and with immediate effect. All copyright notices in the original material must be retained.

3.3. You shall not for any other purpose, partially or completely, copy, reproduce, (re)publish, (re)distribute, modify or otherwise exploit the Website and any element thereof, in any form, without Our prior written approval.

3.4. If you print off, copy or download any part of the Website in breach of these terms, Your right to use the Website will cease immediately and You must, at Our option, return or destroy any copies of the materials You have made.

4. Accessing the Website

We do not guarantee that the Website, or any content on it (and/or linked to the Website) will be uninterrupted or accessible at all times. Access to the Website is permitted on a temporary basis and We may suspend, withdraw, discontinue or change all or any part of Our Website without notice. We will not be liable to You if for any reason Our Website is unavailable at any time or for any period. You are responsible for making all arrangements necessary for You to have access to Our Website.

5. Content Standards

5.1. You may use Our Website for lawful purposes only. You may not Use Our Website: 
a) In any way that breaches these terms, any applicable local, national or international law or regulation. 
b) To send, knowingly receive, upload, download, use or re-use any material which does not comply with these terms. 
c) To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam). 
d) To impersonate another person or create a false or misleading identity for the purpose of misleading others as to your identity, or to collect information about other users; 
e) In any way that interferes with another user’s use and enjoyment of the Website or in any other manner that could damage, disable, overburden or impair the Website.

6. Liability and Disclaimers

6.1. Nothing in these terms excludes or limits Our liability for Our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.

6.2. We are not liable for any damages, losses, expenses, costs or liabilities arising out of or in connection with the use, or the inability to use the Website resulting from the use of, access to, or reliance upon the information contained in or available through the Website, including but not limited to the loss of data, income and/or profit, loss and/or damage to property and claims by third parties (in each case whether direct, indirect or consequential).

6.3. To the extent permitted by law, We exclude all conditions, warranties, representations or other terms which may apply to Our Website or any content on it, whether express or implied. You assume and accept the entire risk of all use and behaviour that is made or permitted on the basis of the Website and any information provided in connection therewith.

6.4. We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect Your computer equipment, computer programs, data or other proprietary material due to Your use of the Website or to Your downloading of any content on it, or on any website linked to it.

6.5. You are responsible for implementing sufficient procedures and virus checks (including anti-virus and other security checks) to satisfy particular requirements for the accuracy and security of the data input and output.

7. No Reliance

7.1. We will make reasonable efforts to provide accurate, complete and up-to-date information on the subject matter of the Website, but We make no representations, warranties or guarantees, whether express or implied regarding the Website and its content.

7.2. The information on the Website is provided only for the purpose to inform You of general aspects of Our products and services. It is not intended to amount to advice on which You should rely or an offer to provide services. The precise coverage afforded is subject to the terms and conditions of the policies as issued. We do not claim to provide all information necessary to evaluate a certain risk management policy. The Website may not be relied upon for advice on accounting, legal or tax matters.

8. Third Party Links

We are not responsible for the content(s) of websites from other third party which are accessible through (hyper)links on this Website. We do not make any representations or give any warranties with respect to any information contained on these websites and We shall not be liable for any damages or injury arising from the content of these other websites.

9. Linking to Our Website

You may link to Our Website, provided You do so in a way that is fair and legal and does not damage Our reputation or take advantage of it. You must not establish a link in such a way as to suggest any form of association, approval or endorsement on Our part where none exists. You must not establish a link to this Website in any website that is not owned by You. Our Website must not be framed on any other website and We reserve the right to withdraw linking permission without notice.



10.1. These terms and conditions are governed by the laws of England and Wales.

10.2. Any disputes arising out of or in connection with these terms and conditions shall exclusively be submitted to the competent courts of England and Wales.

10.3. Should any provision of these terms and conditions be deemed invalid, the invalidity of the specific provision shall have no effect on the validity of the remaining provisions. These provisions of these terms and conditions shall remain in full force and effect, and shall be interpreted as if such provision had never been contained in these terms and conditions.

These terms and conditions were last updated on [25-05-2018].

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