Terms of Use

Your continued access and use of the Site is conditional on your acceptance of and continued compliance with these Terms of Use. Any new features, functionality and/or content will also be subject to these Term of Use and any additional terms and conditions which will be notified from time to time. In addition to these Terms of Use and any additional terms and conditions, the Privacy Policy will govern how your personal information will be used on this Site, and together they form the agreement between you and us (the “Agreement”). Nothing in this Agreement will be deemed to confer any third-party rights or benefits. THIS AGREEMENT CONTAINS DISCLAIMER AND OTHER PROVISIONS THAT LIMIT OUR LIABILITY TO YOU.

By accessing, browsing, using and/or downloading the pages in this Site, you agree to accept and comply with this Agreement for each use and visit to this Site. If you do not agree to accept and comply with this Agreement, you should not access, browse or otherwise use this Site.

FinTech reserves the right, at any time, to modify, alter, or update this Agreement, and you agree to be bound by such modifications, alterations, or updates. Such modifications, alterations, and updates shall be effective immediately upon posting. You agree to be bound by such modified, altered, and updated Terms of Use if You access or use this Site after We have posted notice of such modifications, alterations or updates.. You agree to regularly review this Agreement and to be aware of such revisions. Your use of this Site following any such change constitutes your agreement to follow and be bound by this Agreement as changed.

Content and Intellectual Property. Unless otherwise stated, the content of this Site including, but not limited to, the text , audio, video, html code, buttons and graphic images contained herein and their arrangement is our property or that of our licensors, and may not be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way, without the prior written consent of the proper owner. All trademarks used or referred to in this Site are the property of their respective owners. Nothing contained in this Site shall be construed as conferring any license or right to any our copyright, patent, trademark or other proprietary interests or any third party. This Site and the content provided in this Site, including, but not limited to, graphic images, audio, video, html code, buttons, and text, may not be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way, without our prior written consent, except that you may download, display, and print one copy of the materials on any single computer solely for your personal, non-commercial use, provided that you do not modify the material in any way and you keep intact all copyright, trademark, and other proprietary notices. Except as expressly provided for in these Terms of Use, you acquire no rights in or to this Site.

Your Usage. You hereby confirm that you will comply with the following requirements in accessing and using this Site:
i. It is your responsibility to and you will comply with applicable laws, including without limitation, privacy laws, intellectual property laws and regulatory requirements.
ii. You have reviewed and will comply with these Terms of Use, together with any subsequent notices issued by us.
iii. It is your responsibility to protect your personal information (e.g. username, password, email address, address, phone numbers or other confidential information).
iv. Unless expressly stated otherwise herein and save as otherwise governed by the Privacy Policy, any information submitted by you through this Site shall be deemed non-confidential. You represent that you have the lawful right to submit such information and agree that you will not submit any information unless you are legally entitled to do so.
v. You will use this Site in an honest, lawful and professional manner for the purpose for which it is provided. Specifically, you will not (a) license, sub-license, publish, broadcast, distribute, use, copy, modify, create derivative works, sell or otherwise transfer any information found on this Site, save as expressly permitted (b) adapt, modify or create derivative works of this Site or reverse-engineer, decompile, disassemble, decipher or otherwise attempt to derive the source code or underlying intellectual property used to provide this Site or seek to access this Site by means other than those stipulated by us (c) remove any copyright, trademark or other proprietary rights notices contained in or on this Site (d) disrupt or interfere with this Site.
vi. You represent and warrant that you will not use any robot, spider or other automatic Programme or device, or manual process to monitor, copy, summarize, or otherwise extract information from this Site or its content, in whole or in part, including, without limitation, creating any frames at any other websites pertaining to any portions of this Site.
vii. Further you represent and warrant that (a) all materials and information submitted by you via this Site is true, current and complete (b) that you have the right to provide it and for it to be used for its intended purpose and that it does not infringe the rights of any third party, including without limitation, any third party’s intellectual property rights, data privacy or confidentiality rights and (c) you must not submit any information or material which is unlawful, illegal, defamatory, derogatory, obscene or which may cause damage or offence.
Children Under 18. Children are not eligible to use our Site. If you are under 18, you can use this Site only in conjunction with your parents or guardians.

Changes. We may, within our sole discretion and without liability to you or any third party, modify, refine and/or change the specifications, features and/or functionality of this Site or discontinue the availability of this Site, in whole or in part.

Access to the Site. While FinTech Innovation Lab endeavors to ensure that this Site is available at all times, FinTech Innovation Lab will not be liable if, for any reason, this Site is unavailable at any time or for any period.

Limitation of Liability. THIS SITE IS PROVIDED “AS IS” AND ON AN “AS AVAILABLE” BASIS FOR INFORMATION PURPOSES ONLY. WE MAKE NO WARRANTIES OR REPRESENTATIONS, EITHER EXPRESS OR IMPLIED, AND DISCLAIM ALL SUCH WARRANTIES AND REPRESENTATIONS WITH RESPECT TO SITE (AND THE CONTENT AVAILABLE THEREIN) INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE, SATISFACTORY QUALITY, INFORMATIONAL CONTENT, ACCURACY OR COMPLETENESS. NOTHING AVAILABLE VIA THIS SITE CONSTITUTES OR SHALL BE TAKEN AS PROFESSIONAL ADVICE, WHETHER TECHNICAL, FINANCIAL, LEGAL OR OTHERWISE. USER IS SOLELY RESPONSIBLE FOR ALL TECHNICAL, FINANCIAL, LEGAL AND OTHER DECISIONS MADE BASED ON SUCH INFORMATION.

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL WE, OUR LICENSORS OR THE PARTICIPATING SPONSORS AND SUPPORTING ORGANISATIONS OF FINTECH INNOVATION LAB PROGRAMME, BE LIABLE TO YOU OR ANY OTHER PARTY FOR ANY DAMAGES, LOST PROFITS, LOSS OF REVENUE OR BUSINESS, LOSS OF USE, LOSS OF DATA, OR ANY INCIDENTAL, CONSEQUENTIAL, DIRECT, INDIRECT, OR SPECIAL DAMAGES WHETHER UNDER CONTRACT, TORT, WARRANTY, OR OTHERWISE ARISING IN ANY WAY OUT OF OR IN CONNECTION WITH THIS SITE, ANY CONTENT ON OR ACCESSED THROUGH THIS SITE OR ANY SITE OR SERVICE LINKED TO, OR ANY COPYING, DISPLAYING, OR USE THEREOF, WHETHER OR NOT SUCH PARTY HAD ADVANCE NOTICE OF THE POSSIBILITY OF SUCH DAMAGES, INCLUDING WITHOUT LIMITATION FOR ANY ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMMUNICATIONS LINE FAILURE, THEFT, DESTRUCTION, ALTERATION OF, OR UNAUTHORISED ACCESS TO THE SITE OR YOUR INFORMATION OR MATERIALS TRANSMITTED VIA THE SITE, OR COMMUNICATIONS OR APPLICATIONS LOST, INCOMPLETE OR DELAYED WHETHER OR NOT ARISING DURING OPERATION OR TRANSMISSION AS A RESULT OF SERVER FUNCTIONS, VIRUS, BUGS OR OTHER CAUSES.

Indemnification. You agree to indemnify, defend and hold harmless FinTech Innovation Lab (including without limitation, the participating sponsors and supporting organisations of the FinTech Innovation Lab Programme, its and their members, managers, officers, employees, agents and the assigns of same) from and against any and all loss, costs, expenses (including reasonable attorneys’ fees and expenses), claims, damages and liabilities related to or associated with your use of the Site and any violation of these Terms of Use and/or any law or regulation by you.

Governing Law and Jurisdiction. These Terms of Use shall be governed by and construed in accordance with the laws of England. By using this Site, you hereby agree that any and all disputes regarding these Terms of Use will be subject to the exclusive jurisdiction of the Courts of England. These Terms of Use operate to the fullest extent permissible by law. If you attempt to bring any legal proceedings against FinTech, you specifically acknowledge that FinTech is free to choose the jurisdiction of our preference as to where such action against us may be held, without regard to where in the world you are located, or from where in the world you visited this Site.

Waiver. The delay or omission by either party to enforce or exercise any terms or right pursuant to this Agreement will not impair any such term or right nor be construed to be a waiver thereof and will in no way affect the other party’s right later to enforce it. Any waiver by either party of any covenants, conditions or agreements to be performed by the other party will not be construed to be a waiver of any succeeding breach thereof or any covenant, conditions or agreement herein contained.

Forward-Looking Statements. This Site may include forward-looking statements. Forward-looking statements can be identified by the fact that they do not relate strictly to historical or current facts. They often include words such as “believes,” “expects,” “anticipates,” “estimates,” “intends,” “plans,” “seeks” or words of similar meaning, or future or conditional verbs, such as “will,” “should,” “could” or “may.” A forward-looking statement is neither a prediction nor a guarantee of future events or circumstances, and those future events or circumstances may not occur. Actual future results and trends may differ materially depending on a variety of factors. We assume no obligation to update any of these forward-looking statements.

Third-Party Sites and Services. We are not responsible for the acts, omissions, products or services of any third party, including any referred to on this Site. Links on this Site may lead to services or sites not operated by us. No judgment or warranty is made with respect to such other services or web pages and Accenture takes no responsibility for such other web pages or services. A link to another site or service is not an endorsement of that site or service. Any use you make of the information provided on this Site, or any site or service linked to by this Site, is at your own risk. Your use of any site and or services linked or accessible through this Site may be subject to the relevant terms of such sites or services.

Miscellaneous. If any part of these Terms of Use is unlawful, void, or unenforceable, that part will be deemed severable and will not affect the validity or enforceability of any remaining provisions. Any information related to your use of this Site for illegal purposes will be provided to law enforcement authorities. This Agreement constitutes the entire agreement between the parties relating to the use of this Site and supersedes and replaces any prior agreement and communication between the parties relating thereto.