Terms of Use
Last Updated: 15 March 2024
These Terms of Use govern your access to and use of the services, website, and platform provided by Fibuqia. By accessing or using our platform, you agree to be bound by these Terms. If you do not agree, you must not use our services.
1. Acceptance of Terms
By registering an account, accessing any feature, or otherwise using the Fibuqia platform, you confirm that you have read, understood, and agree to these Terms of Use in full. These Terms form a legally binding agreement between you and Fibuqia.
We reserve the right to update or modify these Terms at any time. Continued use of the platform after changes are posted constitutes your acceptance of the revised Terms. We will indicate the date of the most recent update at the top of this page.
2. Eligibility
To use our platform, you must:
- Be at least 18 years of age, or the age of legal majority in your jurisdiction
- Have the legal capacity to enter into binding agreements
- Not be prohibited from using the service under any applicable law
- Provide accurate and complete registration information
By using the platform, you represent and warrant that you meet all eligibility requirements listed above.
3. Account Registration and Security
3.1 Account Creation
To access certain features of the platform, you may be required to create an account. You agree to provide accurate, current, and complete information during registration and to keep this information up to date.
3.2 Account Responsibility
You are solely responsible for maintaining the confidentiality of your account credentials. You agree to notify us immediately at help@fibuqia.com if you suspect any unauthorised access to or use of your account.
Fibuqia will not be liable for any loss or damage arising from your failure to protect your account credentials. You are responsible for all activities that occur under your account.
3.3 Account Termination
We reserve the right to suspend or terminate your account at our sole discretion if we believe you have violated these Terms or engaged in conduct that is harmful to other users, third parties, or the platform.
4. Use of the Platform
4.1 Permitted Use
You may use the Fibuqia platform solely for lawful purposes and in accordance with these Terms. The platform is intended to facilitate access to live webinars, educational content, and interactive communication tools related to budget surplus management and related financial topics.
4.2 Prohibited Conduct
You agree not to:
- Use the platform for any unlawful, harmful, or fraudulent purpose
- Reproduce, distribute, or publicly display any content without prior written authorisation
- Attempt to gain unauthorised access to any part of the platform or its infrastructure
- Transmit any viruses, malware, or other harmful code
- Harass, threaten, or intimidate other users or platform staff
- Impersonate any person or entity, or misrepresent your affiliation with any person or entity
- Collect or harvest any personally identifiable information from the platform without consent
- Use automated tools, bots, scrapers, or crawlers to access or interact with the platform
- Interfere with or disrupt the integrity or performance of the platform or its related systems
- Attempt to reverse engineer, decompile, or disassemble any software component of the platform
- Post or transmit content that is defamatory, obscene, offensive, or otherwise objectionable
- Resell, sublicense, or commercially exploit any part of the platform without express written permission
5. Intellectual Property
5.1 Ownership
All content, materials, trademarks, logos, software, and other intellectual property made available through the Fibuqia platform are the exclusive property of Fibuqia or its licensors. Nothing in these Terms grants you any ownership rights in such materials.
5.2 Limited Licence
Subject to your compliance with these Terms, Fibuqia grants you a limited, non-exclusive, non-transferable, revocable licence to access and use the platform for your personal, non-commercial purposes. This licence does not include the right to sublicense, modify, adapt, or create derivative works from any platform content.
5.3 User-Submitted Content
If you submit, upload, or post any content to the platform, including questions, comments, or contributions during webinars, you grant Fibuqia a worldwide, royalty-free, non-exclusive licence to use, reproduce, display, and distribute such content in connection with the operation of the platform.
You represent and warrant that you own or have the necessary rights to submit such content and that it does not infringe any third-party intellectual property rights.
6. Webinars and Educational Content
6.1 Nature of Content
The webinars, presentations, and educational materials provided through the platform are intended for informational and educational purposes only. They do not constitute professional financial, legal, investment, or tax advice.
6.2 No Guarantee of Outcomes
Fibuqia does not guarantee any specific results or outcomes from participation in webinars or use of platform content. You are solely responsible for decisions you make based on information obtained through the platform.
6.3 Recording and Replay
Certain webinar sessions may be recorded and made available for replay. By participating in a live session, you acknowledge that your contributions, including audio or text interactions, may be captured as part of the session recording.
6.4 Session Availability
We do not guarantee the continuous availability of any specific webinar, session, or piece of content. Schedules, speakers, and topics are subject to change without prior notice.
7. Fees and Payments
7.1 Paid Services
Certain features or events on the platform may require payment. All applicable fees will be clearly communicated prior to purchase. By completing a payment, you agree to the stated pricing and any applicable payment terms.
7.2 Refund Policy
Refund eligibility is determined on a case-by-case basis. To request a refund, please contact us at help@fibuqia.com. We will review your request and respond within a reasonable timeframe. Refunds are not guaranteed and are issued at our sole discretion.
7.3 Pricing Changes
Fibuqia reserves the right to modify pricing for any service at any time. Changes will not affect purchases already completed prior to the effective date of the change.
8. Third-Party Links and Services
The platform may contain links to third-party websites, tools, or services. These links are provided for convenience only. Fibuqia does not endorse, control, or assume responsibility for the content, privacy practices, or terms of any third-party services.
Your use of any third-party service is at your own risk and subject to that party's terms and conditions.
9. Privacy
Your use of the platform is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the platform, you consent to the collection, use, and processing of your information as described in the Privacy Policy.
For privacy-related enquiries, please contact us at help@fibuqia.com.
10. Disclaimers
10.1 As-Is Basis
The platform and all content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. Fibuqia expressly disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
10.2 Availability
We do not warrant that the platform will be uninterrupted, error-free, secure, or free of viruses or other harmful components. We reserve the right to modify, suspend, or discontinue any part of the platform at any time without notice.
11. Limitation of Liability
To the fullest extent permitted by applicable law, Fibuqia and its officers, directors, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of or inability to use the platform, even if advised of the possibility of such damages.
Our total aggregate liability for any claim arising under these Terms shall not exceed the amount you paid to Fibuqia in the twelve months preceding the event giving rise to the claim, or fifty euros (€50), whichever is greater.
12. Indemnification
You agree to indemnify, defend, and hold harmless Fibuqia and its officers, directors, employees, contractors, and agents 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 or access to the platform
- Your violation of these Terms
- Your violation of any third-party rights, including intellectual property or privacy rights
- Any content you submit or transmit through the platform
13. Modifications to the Platform
Fibuqia reserves the right to modify, update, suspend, or discontinue any aspect of the platform at any time, with or without notice. We will not be liable to you or any third party for any modification, suspension, or discontinuation of the platform or any part thereof.
14. Governing Terms
These Terms represent the entire agreement between you and Fibuqia with respect to your use of the platform and supersede all prior agreements, representations, and understandings. If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.
15. Contact Information
If you have any questions, concerns, or requests regarding these Terms of Use, please contact us using the details below:
| Method | Details |
|---|---|
| help@fibuqia.com | |
| Phone | +353 71 962 1771 |
| Address | Nagle Community College, Ave de Rennes, Mahon, Cork, T12 WT21, Ireland |
| Website | www.fibuqia.com |
We aim to respond to all enquiries within five business days.