Terms of Service

1. Introduction

Welcome to Inforfratt. These Terms of Service ("Terms") govern your access to and use of the Inforfratt website (the "Site") and any services offered through the Site (collectively, the "Services"). Please read these Terms carefully before using our Site or Services.

By accessing or using the Site or Services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not access or use our Site or Services.

2. Use of the Site and Services

2.1 Eligibility

The Site and Services are intended for users who are at least 18 years old and are legally able to enter into binding contracts. By using the Site or Services, you represent and warrant that you meet these eligibility requirements.

2.2 Account Registration

Some features of our Site may require you to register for an account. When you register, you agree to provide accurate, current, and complete information and to update this information to maintain its accuracy. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

2.3 Prohibited Conduct

You agree not to:

• Use the Site or Services in any way that violates any applicable law or regulation
• Use the Site or Services for any fraudulent or illegal purpose
• Interfere with or disrupt the operation of the Site or Services or servers or networks connected to the Site
• Attempt to gain unauthorized access to any portion of the Site or Services
• Use any robot, spider, or other automated device to access the Site or Services
• Impersonate any person or entity or misrepresent your affiliation with any person or entity
• Collect or store personal data about other users without their consent
• Use the Site or Services in any manner that could damage, disable, overburden, or impair the Site or Services

3. Intellectual Property Rights

3.1 Our Intellectual Property

The Site and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by Inforfratt, its licensors, or other providers of such material and are protected by United Kingdom and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

3.2 Limited License

We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the Site and Services for your personal, non-commercial use. This license does not include:

• The right to reproduce, distribute, publicly display, or publicly perform the Site or Services
• The right to modify or create derivative works based on the Site or Services
• The right to use any data mining, robots, or similar data gathering and extraction methods in connection with the Site or Services
• Any use of the Site or Services other than for their intended purpose

Any use of the Site or Services not expressly permitted by these Terms is a breach of these Terms and may violate copyright, trademark, and other laws.

3.3 Trademarks

The Inforfratt name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Inforfratt or its affiliates or licensors. You may not use such marks without the prior written permission of Inforfratt. All other names, logos, product and service names, designs, and slogans on the Site are the trademarks of their respective owners.

4. User Content

4.1 User Contributions

The Site may contain message boards, chat rooms, personal profiles, forums, bulletin boards, and other interactive features that allow users to post, submit, publish, display, or transmit content or materials (collectively, "User Content"). All User Content must comply with the content standards set out in these Terms.

4.2 License to User Content

By providing User Content, you grant Inforfratt and its affiliates and service providers a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display such User Content throughout the world in any media.

4.3 Representations and Warranties

You represent and warrant that:

• You own or control all rights in and to the User Content you post or have the right to grant the license granted above
• All of your User Content complies with applicable laws and regulations
• The User Content does not infringe upon or violate the rights of any third party

4.4 Content Standards

User Content must not:

• Contain any material that is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory, or otherwise objectionable
• Promote sexually explicit or pornographic material, violence, or discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age
• Infringe any patent, trademark, trade secret, copyright, or other intellectual property rights of any other person
• Violate the legal rights of others or contain any material that could give rise to any civil or criminal liability under applicable laws
• Be likely to deceive any person
• Impersonate any person or misrepresent your identity or affiliation with any person or organization
• Involve commercial activities or sales, such as contests, sweepstakes, and other sales promotions, barter, or advertising
• Give the impression that they emanate from or are endorsed by us or any other person or entity, if this is not the case

5. Financial Services and Information

5.1 Not Financial Advice

The information provided on our Site is for general informational purposes only and should not be considered as professional financial advice. Before making any financial decisions, we recommend consulting with a qualified financial advisor who can provide advice tailored to your specific circumstances.

5.2 No Guarantees

We do not guarantee any specific results from the use of our Services. Financial markets are subject to fluctuation, and past performance is not indicative of future results. All investments involve risk, including the potential loss of principal.

5.3 Third-Party Financial Services

We may provide links or references to third-party financial services or products. These references do not imply endorsement or recommendation of those services or products. We are not responsible for the content, accuracy, or reliability of information provided by third parties.

6. Disclaimers and Limitations of Liability

6.1 Disclaimer of Warranties

THE SITE AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, INFORFRATT DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE SITE OR SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR SERVICES ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

6.2 Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL INFORFRATT, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE SITE, SERVICES, OR ANY CONTENT ON THE SITE, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE.

7. Indemnification

You agree to defend, indemnify, and hold harmless Inforfratt, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Site or Services.

8. Changes to the Terms

We may revise and update these Terms from time to time at our sole discretion. All changes are effective immediately when we post them and apply to all access to and use of the Site thereafter. Your continued use of the Site following the posting of revised Terms means that you accept and agree to the changes.

9. Termination

We may terminate or suspend your access to all or part of the Site and Services, without notice, for any conduct that we, in our sole discretion, believe violates these Terms or is harmful to other users of the Site or Services, to us, or to third parties, or for any other reason.

10. Governing Law and Jurisdiction

These Terms and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales. The courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms or their subject matter or formation.

11. Severability

If any provision of these Terms is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms will continue in full force and effect.

12. Entire Agreement

These Terms, our Privacy Policy, and any terms and conditions incorporated herein by reference constitute the sole and entire agreement between you and Inforfratt regarding the Site and Services and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Site and Services.

13. Contact Information

If you have any questions or concerns about these Terms or our Site and Services, please contact us at: