Iron Bank App - Terms of Use
Terms and Conditions
TERMS OF USELast updated: 23.02.2025AGREEMENT TO OUR LEGAL TERMSWe are Iron Bank App OyWe operate Iron Bank App, as well as any other related products and services that refer to or link to these legal terms (collectively, the "Services").You can contact us by email at [email protected] or by mail to Iron Bank App Oy.These Legal Terms constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you"), and [Company Name], concerning your access to and use of the Services. By accessing the Services, you agree that you have read, understood, and agreed to be bound by all of these Legal Terms. IF YOU DO NOT AGREE WITH ALL OF THESE LEGAL TERMS, YOU MUST IMMEDIATELY DISCONTINUE USE OF THE SERVICES.Supplemental terms and conditions or documents may be posted on the Services from time to time and are hereby expressly incorporated by reference. We reserve the right to make changes or modifications to these Legal Terms at any time and for any reason. We will alert you about any changes by updating the "Last updated" date of these Legal Terms, and you waive any right to receive specific notice of each change. It is your responsibility to periodically review these Legal Terms to stay informed of updates. Your continued use of the Services after the date of the revised Legal Terms means you accept those changes.1. OUR SERVICESThe information provided when using the Services is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would violate local regulations or require registration. Those who choose to access the Services from other locations are solely responsible for compliance with local laws.2. INTELLECTUAL PROPERTY RIGHTSOur intellectual propertyWe are the owner or the licensee of all intellectual property rights in our Services, including all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics in the Services (collectively, the "Content"), as well as the trademarks, service marks, and logos contained therein (the "Marks").Our Content and Marks are protected by copyright and trademark laws (and various other intellectual property rights and unfair competition laws) and treaties around the world.The Content and Marks are provided in or through the Services "AS IS" for your personal, non-commercial use or internal business purpose only.Your use of our ServicesSubject to your compliance with these Legal Terms, including the "PROHIBITED ACTIVITIES" section below, we grant you a non-exclusive, non-transferable, revocable license to:Access the Services; andDownload or print a copy of any portion of the Content to which you have properly gained access, solely for your personal, non-commercial use or internal business purpose.Except as set out in this section or elsewhere in our Legal Terms, no part of the Services and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.If you wish to make any use of the Services, Content, or Marks other than as set out in this section or elsewhere in our Legal Terms, please address your request to: [email protected]If we ever grant you the permission to post, reproduce, or publicly display any part of our Services or Content, you must identify us as the owners or licensors of the Services, Content, or Marks and ensure that any copyright or proprietary notice appears as visible on posting, reproducing, or displaying our Content.We reserve all rights not expressly granted to you in and to the Services, Content, and Marks.Any breach of these Intellectual Property Rights will constitute a material breach of our Legal Terms and your right to use our Services will terminate immediately.Your submissionsPlease review this section and the "PROHIBITED ACTIVITIES" section carefully prior to using our Services to understand the (a) rights you give us and (b) obligations you have when you post or upload any content through the Services.Submissions: By directly sending us any question, comment, suggestion, idea, feedback, or other information about the Services ("Submissions"), you agree to assign to us all intellectual property rights in such Submission. You agree that we shall own this Submission and be entitled to its unrestricted use and dissemination for any lawful purpose, commercial or otherwise, without acknowledgment or compensation to you.You are responsible for what you post or upload: By sending us Submissions through any part of the Services, you:Confirm that you have read and agree with our "PROHIBITED ACTIVITIES" and will not post, send, publish, upload, or transmit through the Services any Submission that is illegal, harassing, hateful, harmful, defamatory, obscene, bullying, abusive, discriminatory, threatening to any person or group, sexually explicit, false, inaccurate, deceitful, or misleading;To the extent permissible by applicable law, waive any and all moral rights to any such Submission;Warrant that any such Submission are original to you or that you have the necessary rights and licenses to submit such Submissions and that you have full authority to grant us the above-mentioned rights in relation to your Submissions; andWarrant and represent that your Submissions do not constitute confidential information.You are solely responsible for your Submissions and you agree to reimburse us for any and all losses that we may suffer because of (a) this section, (b) any third party’s intellectual property rights, or (c) applicable law.
3. USER REPRESENTATIONSBy using the Services, you represent and warrant that:You have the legal capacity and agree to comply with these Legal Terms.You are not a minor in the jurisdiction where you reside.You will not access the Services through automated or non-human means, whether through a bot, script, or otherwise.You will not use the Services for any illegal or unauthorized purpose.Your use of the Services will not violate any applicable law or regulation.If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Services (or any portion thereof).4. PROHIBITED ACTIVITIESYou may not access or use the Services for any purpose other than that for which we make the Services available. The Services may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us.As a user of the Services, you agree not to:Systematically retrieve data or other content from the Services to create a collection, compilation, database, or directory without written permission.Trick, defraud, or mislead other users, especially to learn sensitive account information such as user passwords.Circumvent, disable, or interfere with security-related features of the Services.Disparage, tarnish, or otherwise harm us, in our opinion, or the Services.Use information obtained from the Services to harass, abuse, or harm another person.Disparage, tarnish, or otherwise harm us, in our opinion, or the Services.Use information obtained from the Services to harass, abuse, or harm another person.Make improper use of our support services or submit false reports of abuse or misconduct.Use the Services inconsistently with any applicable laws or regulations.Engage in unauthorized framing of or linking to the Services.Upload or transmit viruses, Trojan horses, or other harmful material, including spamming or excessive use of capital letters.Engage in automated use of the system, such as using scripts to send comments or messages.Delete copyright or other proprietary rights notices from any Content.Attempt to impersonate another user or use someone else’s username.Upload or transmit passive or active information collection mechanisms like clear gifs or cookies.Interfere with, disrupt, or create an undue burden on the Services or networks connected to the Services.Harass, annoy, intimidate, or threaten employees or agents providing any portion of the Services to you.Attempt to bypass any measures designed to prevent or restrict access to the Services.Copy or adapt the Services’ software, including Flash, PHP, HTML, JavaScript, or other code.Decipher, decompile, disassemble, or reverse engineer any software comprising part of the Services.Use automated systems like spiders or bots to access the Services.Use a buying agent or purchasing agent to make purchases on the Services.Use the Services in an unauthorized manner, including collecting usernames and/or email addresses for sending unsolicited emails.Use the Services as part of any effort to compete with us or use the Services for any revenue-generating or commercial purpose.5. USER GENERATED CONTRIBUTIONSThe Services do not offer users to submit or post content. We may provide you with the opportunity to create, submit, post, display, transmit, perform, publish, distribute, or broadcast content and materials to us or on the Services, including but not limited to text, writings, video, audio, photographs, graphics, comments, suggestions, or personal information or other material (collectively, "Contributions"). Contributions may be viewable by other users of the Services and through third-party websites. When you create or make available any Contributions, you hereby represent and warrant that:
6. CONTRIBUTION LICENSEYou and Services agree that we may access, store, process, and use any information and personal data that you provide and your choices (including settings).By submitting suggestions or other feedback regarding the Services, you agree that we can use and share such feedback for any purpose without compensation to you.We do not assert any ownership over your Contributions. You retain full ownership of all your Contributions and any intellectual property rights or other proprietary rights associated with your Contributions. We are not liable for any statements or representations in your Contributions provided by you in any area on the Services. You are solely responsible for your Contributions to the Services and you expressly agree to exonerate us from any and all responsibility and to refrain from any legal action against us regarding your Contributions.7. SERVICES MANAGEMENTWe reserve the right, but not the obligation, to: (1) monitor the Services for violations of these Legal Terms; (2) take appropriate legal action against anyone who, in our sole discretion, violates the law or these Legal Terms, including without limitation, reporting such user to law enforcement authorities; (3) in our sole discretion and without limitation, refuse, restrict access to, limit the availability of, or disable (to the extent technologically feasible) any of your Contributions or any portion thereof; (4) in our sole discretion and without limitation, notice, or liability, to remove from the Services or otherwise disable all files and content that are excessive in size or are in any way burdensome to our systems; and (5) otherwise manage the Services in a manner designed to protect our rights and property and to facilitate the proper functioning of the Services.8. TERM AND TERMINATIONThese Legal Terms shall remain in full force and effect while you use the Services. WITHOUT LIMITING ANY OTHER PROVISION OF THESE LEGAL TERMS, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SERVICES (INCLUDING BLOCKING CERTAIN IP ADDRESSES), TO ANY PERSON FOR ANY REASON OR FOR NO REASON, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE LEGAL TERMS OR OF ANY APPLICABLE LAW OR REGULATION. WE MAY TERMINATE YOUR USE OR PARTICIPATION IN THE SERVICES OR DELETE ANY CONTENT OR INFORMATION THAT YOU POSTED AT ANY TIME, WITHOUT WARNING, IN OUR SOLE DISCRETION.If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress.9. MODIFICATIONS AND INTERRUPTIONSWe reserve the right to change, modify, or remove the contents of the Services at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Services. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Services.We cannot guarantee the Services will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Services, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Services at any time or for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Services during any downtime or discontinuance of the Services. Nothing in these Legal Terms will be construed to obligate us to maintain and support the Services or to supply any corrections, updates, or releases in connection therewith.10. GOVERNING LAWThese Legal Terms shall be governed by and defined following the laws of Finland. You irrevocably consent that the courts of Finland shall have exclusive jurisdiction to resolve any dispute that may arise in connection with these Legal Terms.
11. DISPUTE RESOLUTIONInformal NegotiationsTo expedite resolution and control the cost of any dispute, controversy, or claim related to these Legal Terms (each a "Dispute" and collectively, the "Disputes") brought by either you or us (individually, a "Party" and collectively, the "Parties"), the Parties agree to first attempt to negotiate any Dispute informally for at least 30 days before initiating arbitration. Such informal negotiations commence upon written notice from one Party to the other Party.Binding ArbitrationAny dispute arising out of or in connection with these Legal Terms, including any question regarding their existence, validity, or termination, shall be referred to and finally resolved by the International Commercial Arbitration Court under the European Arbitration Chamber (Belgium, Brussels, Avenue Louise, 146) according to the rules of this ICAC, which, as a result of referring to it, is considered as part of this clause. The number of arbitrators shall be one (1). The seat, or legal place, of arbitration shall be Brussels, Belgium. The language of the proceedings shall be English. The governing law of these Legal Terms shall be the substantive law of Belgium.RestrictionsThe Parties agree that any arbitration shall be limited to the Dispute between the Parties individually. To the fullest extent permitted by law:
(a) no arbitration shall be joined with any other proceeding;
(b) there is no right or authority for any Dispute to be arbitrated on a class-action basis or to utilize class-action procedures; and
(c) there is no right or authority for any Dispute to be brought in a purported representative capacity on behalf of the general public or any other persons.Exceptions to Informal Negotiations and ArbitrationThe Parties agree that the following Disputes are not subject to the above provisions concerning informal negotiations and binding arbitration:
(a) any Disputes seeking to enforce or protect, or concerning the validity of, any of the intellectual property rights of a Party;
(b) any Dispute related to, or arising from, allegations of theft, privacy, invasion of privacy, or unauthorized use; and
(c) any claim for injunctive relief.If this provision is found to be illegal or unenforceable, then neither Party will elect to arbitrate any Dispute falling within that portion of this provision found to be illegal or unenforceable, and such Dispute shall be decided by a court of competent jurisdiction within the courts listed for jurisdiction above, and the Parties agree to submit to the personal jurisdiction of that court.12. CORRECTIONSWe strive to provide accurate and up-to-date information on the Services, but errors, inaccuracies, or omissions may occur. These may include content descriptions, pricing, availability, or other details. We reserve the right to correct any errors, inaccuracies, or omissions and to modify or update information on the Services at any time, without prior notice.13. DISCLAIMERThe Services are provided on an "as-is" and "as-available" basis. Your use of the Services is at your sole risk. To the fullest extent permitted by law, we disclaim all warranties, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.We make no guarantees about the accuracy, completeness, or reliability of the Services' content or linked third-party websites and applications. We are not liable for:Errors, inaccuracies, or omissions in the content.Personal injury or property damage resulting from your access to or use of the Services.Unauthorized access to secure servers or any stored personal or financial information.Service interruptions or transmission failures.Bugs, viruses, or harmful components transmitted via third parties.Loss or damage resulting from the use of any content, even if posted or made available through the Services.We do not endorse or take responsibility for products, services, or content offered by third parties through advertisements or linked websites. Any transaction between you and a third-party provider is solely your responsibility. Always use your best judgment and exercise caution when engaging with external sites or services.14. Limitations of LiabilityThe company, its directors, employees, or agents are not liable for any indirect, incidental, special, or consequential damages (like lost profits, data loss, or service interruptions), even if warned of the possibility. If liability is found, it is limited to the amount you paid for the service, or the minimum amount allowed by law. Some jurisdictions may not allow certain limitations, so these limits might not apply to you.15. IndemnificationYou agree to defend and indemnify the company (including affiliates, employees, and agents) from any claims, damages, or expenses caused by:Your use of the servicesViolation of these termsBreach of any warrantiesInfringing someone else's rightsHarmful actions toward other usersThe company may take over the defense of claims but will notify you of any claims requiring your cooperation.16. User DataThe company will store certain data you provide to deliver services, but you are responsible for backing up your data. They are not liable for data loss or corruption, and you waive any right to sue for damages resulting from lost or corrupted data.17. Electronic Communications, Transactions, and SignaturesBy using the services, you agree to receive communications electronically (via email or on the platform). You consent to the use of electronic signatures, contracts, orders, and notices, waiving any rights to require physical documents unless required by law.18. MiscellaneousThese terms represent the full agreement between you and the company. Failure to enforce any provision doesn’t waive our right to do so later. We are not liable for issues beyond our control. If any provision is unenforceable, the rest still applies. No joint venture, partnership, or employment relationship is created by using the services.19. Contact UsFor questions or to resolve issues, please contact us at: [email protected]