Terms of Service

These Terms of Service ("Terms") govern your access to and use of the finermsg website located at finermsg.com (the "Site"), operated by finermsg ("we", "us", "our"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

1. Acceptance of Terms

By accessing any page of the Site, you confirm that you have read, understood, and agree to be bound by these Terms in their entirety, including our Privacy Policy and Cookie Policy, which are incorporated by reference. These Terms constitute a legally binding agreement between you and finermsg.

2. Description of Service

finermsg is an independent editorial publication that provides reviews, analysis, and news coverage relating to messaging applications. The Site is provided for informational and editorial purposes only. We do not offer any messaging service ourselves, nor are we affiliated with any of the messaging applications we cover unless explicitly stated.

3. Eligibility

The Site is intended for users who are at least 16 years of age. By using the Site, you represent and warrant that you meet this age requirement. If you are under 16, please do not use the Site or submit any personal information through it.

4. Intellectual Property

All content on the Site — including but not limited to text, articles, reviews, graphics, logos, icons, images, and the overall design and layout — is the intellectual property of finermsg or its content contributors, and is protected by applicable copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and view the Site content for your own personal, non-commercial use. This licence does not include the right to:

• Reproduce, republish, or distribute any content without our prior written consent.
• Create derivative works based on our content.
• Use any content for commercial purposes.
• Scrape, crawl, or systematically extract content from the Site by automated means beyond what is permitted by our robots.txt.

Third-party trademarks (e.g., app names and logos referenced in reviews) remain the property of their respective owners. Reference to them does not imply any affiliation or endorsement.

5. Acceptable Use

You agree not to use the Site to:

• Violate any applicable local, national, or international law or regulation.
• Transmit any unsolicited or unauthorised advertising or promotional material.
• Attempt to gain unauthorised access to any part of the Site, its servers, or any connected system.
• Introduce viruses, trojans, worms, or other malicious or harmful code.
• Conduct any denial-of-service attacks or similar disruptive activity.
• Harvest or collect personal data about other users or our team without consent.
• Impersonate finermsg, any of our team members, or any other person or entity.
• Submit false, misleading, or defamatory information via our contact form or any other means.

We reserve the right to restrict or terminate access to the Site for any user who breaches these terms.

6. Third-Party Links & Content

The Site may contain links to third-party websites or resources, including the messaging applications we review. These links are provided solely for your information and convenience. We have no control over the content, privacy policies, or practices of those sites and do not endorse them.

We are not responsible or liable for any loss or damage arising from your use of third-party websites. We strongly recommend that you review the terms and privacy policies of any third-party sites you visit.

7. Disclaimers

The Site and its content are provided on an "as is" and "as available" basis without any warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

While we strive to keep our reviews, articles, and news accurate and up to date, we make no warranty that:

• The content will always be current, accurate, complete, or error-free.
• The Site will be available at all times or free from technical errors.
• Any conclusions drawn from our reviews are applicable to your specific use case.

Our editorial scores and opinions represent our independent assessment at the time of publication and should not be relied upon as professional advice. Always conduct your own research before making decisions based on our content.

8. Limitation of Liability

To the fullest extent permitted by applicable law, finermsg and its contributors, editors, and operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Site or its content, including but not limited to:

• Loss of data, revenue, or profits.
• Business interruption.
• Personal injury.
• Damages arising from inaccurate or incomplete content.

In no event shall our aggregate liability to you exceed the greater of €100 (one hundred euros) or the amount you paid us in the twelve months preceding the claim (if any).

Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities, so some of the above limitations may not apply to you.

9. Indemnification

You agree to indemnify, defend, and hold harmless finermsg and its contributors, editors, and operators from and against any claims, liabilities, damages, losses, and expenses — including reasonable legal fees — arising out of or in any way connected with your use of the Site, your violation of these Terms, or your violation of any rights of a third party.

10. Termination

We reserve the right to suspend or terminate your access to the Site at any time, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties. Upon termination, all provisions of these Terms that by their nature should survive — including intellectual property provisions, disclaimers, and limitations of liability — shall continue in full force and effect.

11. Governing Law & Disputes

These Terms shall be governed by and construed in accordance with applicable law. Any disputes arising out of or in connection with these Terms or your use of the Site shall first be subject to good-faith negotiation between the parties. If a dispute cannot be resolved through negotiation within 30 days, it shall be referred to the competent courts of the jurisdiction in which finermsg operates.

If you are a consumer located in the European Union, you may also be entitled to use the EU Online Dispute Resolution platform at ec.europa.eu/consumers/odr.

12. Changes to These Terms

We may revise these Terms at any time by updating this page. The "Last updated" date at the top will reflect any revisions. Your continued use of the Site following the posting of revised Terms means that you accept and agree to those changes. We encourage you to review this page periodically.

13. Contact Us

If you have any questions about these Terms, please contact us:

• Email: info@finermsg.com
• Website: finermsg.com