Effective Date: 12 December 2025
Welcome to FinTechDiscovery.com (“FinTechDiscovery”, “we”, “us”, “our”). These Terms of Use (“Terms”) govern your access to and use of our website, content, tools, services, and any related products (collectively, “Services”). By accessing or using our Services, you agree to be legally bound by these Terms.
Please read them carefully.
1. Definitions
In these Terms:
1.1 “User”, “you”, “your” means any natural or legal person accessing or using the Services.
1.2 “Content” means all text, graphics, images, audio, video, data, reports, analyses, software, and other materials available through the Services.
1.3 “User Content” means any content you submit, post, upload, or otherwise make available via the Services.
1.4 “Data Protection Laws” means applicable laws and regulations governing the use of personal information, including the Protection of Personal Information Act (POPIA) 4 of 2013 (South Africa) and other applicable privacy legislation.
2. Scope & Acceptance
2.1 These Terms govern your use of the Services and constitute a binding agreement between you and FinTechDiscovery.
2.2 By accessing or using the Services, you acknowledge that you have read, understood, and accepted these Terms.
2.3 If you do not agree with these Terms, you should not use the Services.
3. Changes to Terms
We may update these Terms from time to time. Updated terms will be posted on the website with a new “Effective Date.” Your continued use of the Services after changes are posted constitutes acceptance of those changes.
4. User Eligibility
4.1 You must be at least 18 years old or have legal capacity in your jurisdiction to enter into binding contracts.
4.2 You agree to comply with all applicable laws, regulations, and guidelines in your use of the Services.
5. Use of Services & License
5.1 Subject to your compliance with these Terms, we grant you a non-exclusive, non-transferable, revocable licence to access and use the Services for personal or business purposes.
5.2 You may not copy, reproduce, distribute, publish, modify, or exploit any part of the Services without our prior written consent.
6. User Obligations & Prohibitions
By using the Services, you agree NOT to:
6.1 Use the Services for unlawful, fraudulent, harmful or abusive purposes.
6.2 Interfere with or disrupt the Services, servers, accounts, or security mechanisms.
6.3 Attempt to gain unauthorised access to any part of the Services or related systems.
6.4 Use automated scripts or tools to scrape data or overload the Services.
6.5 Impersonate another person or misrepresent your affiliation.
6.6 Upload content that is unlawful, defamatory, obscene, infringing, discriminatory, or harmful.
7. Intellectual Property
7.1 All rights, title, and interest in and to the Services, including all Content and software, are owned by FinTechDiscovery or our licensors.
7.2 You may not remove, alter, or obscure any copyright, trademark, or other proprietary rights notices on any part of the Services.
7.3 “FinTechDiscovery” and all associated logos and product names are trademarks of FinTechDiscovery.
8. User Content
8.1 You retain ownership of the rights in your User Content.
8.2 By submitting User Content, you grant FinTechDiscovery a non-exclusive, worldwide, royalty-free, sublicensable licence to host, use, display, reproduce, modify, and distribute such content for the purposes of the Services.
8.3 You represent and warrant that your User Content does not infringe any third-party rights and complies with all applicable laws.
9. Third-Party Content & Links
9.1 The Services may contain links to third-party websites and resources.
9.2 We are not responsible for the content, accuracy, legality, or availability of such third-party content. Your access and use of third-party resources are at your own risk.
10. Privacy & Data Protection
10.1 Your use of personal data is governed by our Privacy Policy, which forms part of these Terms.
10.2 We comply with applicable data protection laws, including POPIA, and strive to safeguard your personal information in accordance with such laws.
11. Disclaimer; No Advice
11.1 The Services and Content are provided for informational and educational purposes only and do not constitute financial, legal, tax, or investment advice.
11.2 You should not rely on any information on the Services as a basis for making financial decisions.
11.3 The Services are provided “as is” and “as available” without warranties of any kind.
12. Limitation of Liability
12.1 To the fullest extent permitted by law, FinTechDiscovery and its affiliates, directors, officers, employees, agents and partners shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your use of the Services.
12.2 We do not guarantee uninterrupted or error-free access to the Services.
13. Indemnification
You agree to indemnify and hold harmless FinTechDiscovery and its affiliates from any claims, losses, liabilities, damages, costs or expenses arising out of your use of the Services, violation of these Terms, or any applicable laws.
14. Termination
We may suspend or terminate your access at any time for violations of these Terms or for any lawful reason. Upon termination, your rights to use the Services cease immediately.
15. Governing Law & Dispute Resolution
These Terms are governed by the laws of the Republic of South Africa. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the South African courts.
16. General Provisions
16.1 Severability: If any provision is held invalid, the remaining provisions shall remain in force.
16.2 Waiver: Failure to enforce a right is not a waiver of that right.
16.3 Entire Agreement: These Terms and the Privacy Policy constitute the entire agreement between you and FinTechDiscovery.
17. Contact Us
For questions about these Terms, please contact:
📧 Email: info@fintechdiscovery.com
🌐 Website: https://fintechdiscovery.com