Terms of Use

Please read these terms of use carefully before using our Service.

Interpretation and Definitions

Interpretation

For the purposes of these Terms and Conditions, the words capitalized have the meanings defined below. The following definitions shall have the same meaning regardless of whether they appear in the singular or in the plural.

Definitions

In these Terms and Conditions:

• Affiliate means an entity which is controlled by, controls, or is under common control with a Party, where "control" means the ownership of 50% or more of the shares, equity interests or other securities that have the right to elect directors or other governing body.

• Country refers to: Finland

• Company (hereinafter in this Agreement "Company", "Us", "Our" or "Ours") refers to Kultapääoma.

• Device means any device that can access the Service, such as a computer, mobile phone, or digital tablet.

• Service refers to the Website.

• Terms of Use (also "Terms") mean these Terms and Conditions, which form the entire agreement between You and the Company regarding your 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 be displayed, included or made available by the Service.

• Website refers to Kultapääoma, which is accessible from https://kultapaaoma.org

• You means the individual using the Service, or a company or other legal entity on whose behalf such individual is using the Service.

Acceptance

These are the Terms and Conditions governing the use of the Service and the agreement that is in effect between You and the Company. These Terms define the rights and obligations of all users regarding the use of the Service.

Your access to and use of the Service is conditioned on Your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Service.

By using the Service, You agree to be bound by these Terms. If You do not agree with any part of these Terms, You may not access the Service.

You represent that you are over 18 years of age. The Company does not permit users under 18 years of age to use the Service.

Your access to and use of the Service is also conditioned on Your acceptance of and compliance with the Company's Privacy Policy. The 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 Your privacy rights and how the law protects You. Please read the Privacy Policy carefully before using Our Service.

Links to Other Websites

Our Service may contain links to third-party web sites 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 further acknowledge 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 in connection with the use of or reliance on any such content, goods or services available on or through any such web sites or services.

We strongly recommend that You 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 access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if You breach these Terms.

Upon termination, Your right to use the Service will cease immediately.

Limitation of Liability

Notwithstanding any damages that You might incur, the entire liability of the Company and any of its suppliers under any provision of these Terms and Your exclusive remedy for all of the foregoing shall be limited to the amount actually paid by You through the Service or 100 USD if You have not purchased anything through the Service.

To the maximum extent permitted by applicable law, in no event shall the Company or its suppliers be liable for any special, incidental, indirect, or consequential damages whatsoever (including, but not limited to, damages for loss of profits, loss of data or other information, business interruption, personal injury, loss of privacy arising out of or in any way related with the use of or inability to use the Service, third-party software and/or hardware used with the Service, or otherwise in connection with any provision of this Terms), even if the Company or any supplier has been advised of the possibility of such damages and even if the remedy fails of its essential purpose.

Some states do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages, which means that some of the above limitations may not apply to You. In these states, each party's liability will be limited to the greatest extent permitted by law.

"AS IS" AND "AS AVAILABLE" Disclaimer

The Service is provided to You "AS IS" and "AS AVAILABLE" and with all faults and defects without warranty of any kind. To the maximum extent permitted under applicable law, the Company on its own behalf and on behalf of its Affiliates and its and their respective licensors and service providers, expressly disclaims all warranties, whether express, implied, statutory or otherwise, with respect to the Service, including all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement, and warranties that may arise out of course of dealing, course of performance or usage of trade. Without limiting the foregoing, the Company does not make any warranty or commitment, and makes no representation of any kind that the Service will meet Your requirements, achieve any intended results, be compatible or work with any other software, applications, systems or services, operate without interruption, meet any performance or reliability standards or be error free or that any errors or defects can or will be corrected.

Without limiting the foregoing, neither the Company nor any of the Company's service provider makes any representation or warranty of any kind, express or implied: (i) as to the operation or availability of the Service, or the information, content, and materials or products included therein; (ii) that the Service will be uninterrupted or error-free; (iii) as to the accuracy, reliability, or timeliness of any information or content provided through the Service; or (iv) that the Service, its servers, the content or e-mails sent from or on behalf of the Company are free of viruses, scripts, trojan horses, worms, malware, time bombs or other harmful components.

Some jurisdictions do not allow the exclusion or limitation of certain types of warranties or the restriction of consumers' applicable statutory rights, so some or all of the above exclusions and limitations may not apply to You. However, in such a case, the exclusions and limitations set forth in this section will apply to the maximum extent permitted by applicable law.

Applicable Law

The laws of the country, excluding its conflict of law rules, will govern these Terms and Your use of the Service. Your use of the Application may also be subject to other local, state, national, or international laws.

Dispute Resolution

If You have a concern or dispute about the Service, You agree to first try to resolve the dispute informally by contacting the Company.

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.

U.S. Export Compliance

You represent and warrant that (i) You are not located in a country that is subject to a U.S. government embargo, or that has been designated by the U.S. government as a "terrorist-supporting" country, and (ii) You are not listed on any U.S. government list of prohibited or restricted parties.

Severability and Waiver

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be changed and interpreted to accomplish the objectives of that provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

Waiver

Except as provided herein, the failure to exercise a right or to require the performance of an obligation under these Terms shall not affect a party's ability to exercise such right or require such performance at any time thereafter, nor shall the waiver of a breach constitute a waiver of any subsequent breach.

Interpretation of Translation

These Terms of Service may have been translated if we have made them available to You on our Service. You agree that Your content will be governed by the original English text in the case of a dispute.

Changes to These Terms of Service

We reserve the right, at Our sole discretion, to modify or replace these Terms at any time. If a revision is material, We will make reasonable efforts to provide at least 30 days' 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 any revisions become effective, You agree to be bound by the revised terms. If You do not agree to the new terms in whole or in part, please stop using the website and the Service.

Contact Us

If you have any questions about these Terms of Service, You can contact us:

• By email: [email protected]