Finoa GmbH Terms of Service

Welcome to Finoa GmbH ("we", "us", or "our"). These Terms of Service ("Terms") govern your access to and use of our financial compliance services, including any content, functionality, and services offered through our platform.

1.1 Modifications

We reserve the right to modify these Terms at any time. We will provide notice of material changes through our website or via email. Your continued use after changes constitutes acceptance.

Finoa GmbH, operating under BaFin license number 50085604 and BAK Nr. 157341, provides regulatory technology solutions including:

2.1 Service Limitations

Our services are subject to:

• Scheduled and unscheduled maintenance
• Regulatory requirements that may limit functionality
• Geographical restrictions in certain jurisdictions

3.1 General Requirements

To use our services, you must:

• Be at least 18 years old
• Have legal capacity to enter into binding contracts
• Reside in a jurisdiction where our services are legally offered

3.2 Business Clients

Business entities must additionally:

• Provide valid business registration documents
• Designate authorized representatives
• Pass our compliance checks under German financial regulations

4.1 Prohibited Conduct

You agree not to:

• Use our services for illegal activities including fraud, money laundering, or terrorism financing
• Attempt to circumvent our security measures or access non-public systems
• Provide false or misleading information in KYC/AML checks
• Violate financial regulations or sanctions programs

5.1 Ownership

Finoa GmbH retains all rights to:

• Our software, algorithms, and technology
• Trademarks, logos, and brand elements
• Documentation, reports, and analytical methods

5.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to:

• Access and use our services as intended
• Download reports for your internal business use
• Use our API according to separate agreements

6.1 General Disclaimer

Our services are provided "as is" without warranties of:

• Merchantability or fitness for particular purposes
• Uninterrupted or error-free operation
• Completeness or accuracy of regulatory advice

6.2 Limitation of Liability

To the maximum extent permitted by law:

• We are not liable for indirect or consequential damages
• Our total liability is limited to fees paid for services in the last 6 months
• We exclude liability for third-party actions