IO.FINNET DASHBOARD TERMS OF USE

Welcome to the Dashboard.

These Terms of Use (the “Terms”) govern access to and use of the Io.finnet Dashboard (the “Dashboard”), the central platform for managing access to Io.finnet products and services as well as Third-Party Services. 

They apply to all Users (whether B2B Users and their End-Users, or B2C individual Users).

The Dashboard is accessible whether via website or mobile application.

These Terms constitute a binding agreement between the user (the “User”) and Io.finnet Group, Inc. (“Io.finnet”).

By accessing or using the Dashboard, the User acknowledges that having read, understood, and agreed to be bound by these Terms. If the User does not agree, they may not use the Dashboard.

The User and Io.finnet are referred to individually as a “Party” and collectively as the “Parties”.

Capitalized terms not otherwise defined in these Terms have the respective meanings assigned to them in Section 1.

KEY SUMMARY
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1. The Dashboard is provided free of charge for managing your access to Io.finnet products and services as well as Third-Party Services.
2. You are responsible for safeguarding your Dashboard Credentials and ensuring compliance with these terms. 
3. Io.finnet may modify or discontinue Dashboard features at any time with reasonable notice. 
4. If you are using Third-Party Services via the Dashboard, their terms and conditions will apply. 
5. By using the Dashboard, you accept these terms and the associated privacy policy.

“Applicable Law” means any treaty, directive, international agreement, law, statute, regulation, code, rule, ordinance, order, decree, judgment, guideline (including any judicial or administrative interpretation thereof) and any authorization that may apply to a relevant situation or pattern of facts;

“Customer” refers to any individual or entity subscribing to Io.finnet services and products. This includes:
•B2B Customers: Corporate entities that subscribe to Io.finnet services and grant access to their authorized End-Users. For the purposes of these Terms, B2B Customers include their End-Users, who act under the Customer’s subscription and authority.
•B2C Customers: Individual users who access Io.finnet services and products directly on their own behalf.

“Dashboard” refers to the platform provided by Io.finnet, accessible via website or mobile application, that serves as the central entry point for accessing Io.finnet products and services as well as Third-Party Services.

“Dashboard Credentials” refer to the account credentials created to access the Dashboard and any enabled Io.finnet products or services as well as Third-Party Services.

“Data Privacy Laws” for the purposes of these Terms, shall mean any Applicable Laws, regulations and directives relating to the protection of personal data and privacy, including but not limited to the General Data Protection Regulation (GDPR).

“End-User” refers to any individual authorized by a B2B Customer to access the Dashboard. End-Users operate under the B2B Customer's subscription, with independent accounts and access permissions defined and managed by the B2B Customer.
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“Intellectual Property Rights” means patents, utility models, trademarks, logos, company names, trade names, shop signs, domain names, internet websites’ architecture and content, authors’ rights (including but not limited to rights with respect to computer software, firmware and all related documentation), design rights, models, database rights, topography rights, know-how, inventions, secret formulae and processes, rights protecting goodwill and reputation, and all other forms of protection of a similar nature or having equivalent or similar effect to any of these which may exist anywhere in the world, whether or not any of these is registered, as well as all applications, registrations and renewals pertaining to such rights;

“Open Source Components” means any software components, libraries, or modules that are distributed under an open-source license recognized by the Open Source Initiative (OSI) or other relevant authority;

“Personal Data” means any information relating to an identified or identifiable natural person (‘data subject’); an identifiable natural person is one that can be identified, directly or indirectly, in particular by reference to an identifier such as a name, and identification number, location data, an online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identify of that natural person;
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“Third-Party” means any individual, entity or organization not party to these Terms.

“Open Source Components” means any software components, libraries, or modules that are distributed under an open-source license recognized by the Open Source Initiative (OSI) or other relevant authority;

“User” refers to any individual or entity accessing the Dashboard, whether:
-As an individual user (B2C users accessing the Dashboard directly);
-As a B2B Customer (corporate entities subscribing to Io.finnet services).
-As an End-User (individuals authorized by a B2B Customer to access the Dashboard under its subscription).

2. DASHBOARD ACCESS AND USE

2.1 Account Creation and User Roles

Access to the Dashboard may be granted for various reasons, depending on whether the User is:
 -An individual accessing the Dashboard on their own behalf (e.g., B2C user);
-An End-User authorized by a B2B Customer of Io.finnet (e.g., employee or representative of a corporate client).

Hereafter referred indifferently to as “User” or “Users”;

For B2B Customers, the term "User" includes both the corporate entity and any individuals authorized by it to access the Dashboard (End-Users). The B2B Customer is responsible for ensuring that its End-Users comply with these Terms.

Io.finnet reserves the right to enforce these Terms against the B2B Customer and/or its End-Users as appropriate

2.2 Entitlement and Access Restrictions

The features, entitlements, and access levels available to the User on the Dashboard may vary based on the User’s role and the purpose of the User’s access:

•End-Users of a B2B Customer: If a User is granted Dashboard access as an End-User, their access, permissions and duration of use are determined and managed by the Customer or its designated Admins. End-Users hold independent Dashboard Credentials (and accounts) but operate under the subscription or enablements granted by the B2B Customer. Io.finnet is not responsible for disputes arising from access limitations or permissions managed by the Customer and the B2B Customer will hold Io.finnet harmless as relates any disputes between it and its End-Users in regards with instructions, roles and restrictions it manages.

•Individual Users (B2C): If a User is accessing the Dashboard on their own behalf, their entitlement and features will depend on the Io.finnet products and services, as well as Third-Party Services they choose to enable or subscribe to. Users accept and understand that not all products and services may be available to individual users. Io.finnet reserves the right to limit or modify the User’s access based on product-specific terms or other applicable agreements.

2.3 Dynamic Access and Configuration
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User’s access to specific features or products within the Dashboard may be subject to:
-Acceptance of additional terms for Io.finnet products or Third-Party Services;
-The expiration or revocation of access by the B2B Customer responsible for access (in the case of End-Users);
-Changes in subscription levels or product enablements.

By using the Dashboard, the User acknowledges and agrees that their access rights and entitlements are conditional upon compliance with these Terms and any applicable product-specific terms.

3.1. Each User accessing the Dashboard, is responsible for:
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•Providing true, accurate, up-to-date, and complete information when creating their account or when requested by Io.finnet;
•Promptly updating their account information whenever changes occur;
•Maintaining the confidentiality and security of their Dashboard Credentials;
•Ensuring their Dashboard Credentials are used solely by them and not shared or transferred to others;
•Promptly notifying Io.finnet of any unauthorized access, use, or suspected security breaches related to their account;
•Ensuring their use of the Dashboard complies with these Terms and Applicable Law.
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3.2. Users may not :


•Impersonate another person, create a false identity, or provide false or misleading information;
•Share or transfer their Dashboard Credentials to unauthorized parties;Attempt to gain unauthorized access to Io.finnet systems, data, or restricted features;
•Engage in activities that compromise the security, stability or performance of the Dashboard.

3.3. Io.finnet shall not be liable for any losses, damages, costs, expenses, or claims resulting from stolen or lost credentials.

3.4. The User is liable for any breach of these Terms, it being specified that B2B Customers are responsible for all actions of their End-Users, whether authorized or not, and are responsible for ensuring compliance of their End-Users with the above mentioned responsibilities.
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3.5. Io.finnet reserves the right to suspend or terminate access to the Dashboard if any User provides false, inaccurate, misleading, incomplete or outdated information, fails to comply with these responsibilities, violates these Terms or in Io.finnet’s reasonable judgment threatens the integrity, security or availability of the Dashboard, Io.finnet’s products and service, Third-Party Services. Although Io.finnet has no obligation to monitor the User’s use of the Dashboard, where it may do so, and where Io.finnet discovers a use or activity that it believes may be or is alleged to be a violation of the foregoing, Io.finnet reserves the right to prohibit further use of the Dashboard.

Such suspension or termination may occur without prior notice or compensation.
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4.1 Limited License
Subject to these Terms and the User’s compliance with all applicable conditions, Io.finnet grants the User a limited, non-exclusive, non-sublicensable, non-transferable, worldwide license to access and use the Dashboard. This license is granted solely to enable the User to utilize the features, services, products available through the Dashboard in accordance with these Terms and the relevant terms and documentation for each service / product.

4.2 Retained Rights
‍Io.finnet retains all rights, title and interest in and to the Dashboard, its underlying technology, and associated materials, including any updates, modifications, or enhancements, except for the limited license explicitly granted to the User under these Terms.

4.3 Restrictions on Use
The User agrees not to, and not to permit or enable others to:
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(i) Reverse engineer, decompile, disassemble, or otherwise attempt to discover the source code, object code, or underlying structure of the Dashboard;
(ii)Modify, translate, or create derivative works based on the Dashboard or its associated data;
(iii)Copy, distribute, or otherwise transfer any rights to the Dashboard except as explicitly permitted herein;
(iv) Use the Dashboard in a way that could harm, disable, overburden, or impair its performance;
(v)Access or use the Dashboard for benchmarking, performance analysis, or competitive analysis without prior written consent from Io.finnet;
(vi)Frame, mirror, or otherwise reproduce the Dashboard on another platform without explicit permission;
(vii)Use the Dashboard for timesharing, service bureau purposes, or to provide a commercial service to third parties;
(viii)Remove or obscure any proprietary notices or labels;
(ix)Use the Dashboard to develop or assist in developing competing products or services;
(x)Attempt to gain unauthorized access to systems, data, or networks associated with the Dashboard;
(xi)Use the Dashboard to store, transmit, or distribute viruses, malware, or harmful content;
(xii)Harvest or collect data from the Dashboard, including metadata, unless explicitly authorized by Io.finnet;
(xiii)Use automated means, such as bots or scripts, to access the Dashboard without explicit permission;
(xiv)Use the Dashboard in violation of any Applicable Law, regulation, or third-party rights, including intellectual property and data privacy laws.

4.4 Modifications and Amendments
Io.finnet may, at its sole discretion, make changes to the Dashboard that it deems necessary or beneficial to:
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(i) Maintain or enhance:
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(a) The quality or delivery of its products or services;
(b) The competitive strength or market position of Io.finnet’s products or services;
(c) The cost efficiency or performance of the Dashboard;
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(ii) Comply with Applicable Laws or regulations.
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These changes may include modifications to these Terms and the addition, alteration, or removal of features or functionalities within the Dashboard.
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For material changes to the Dashboard or these Terms:

Io.finnet will provide the User with at least 30 days’ advance notice before such changes take effect, except for changes required urgently due to legal or regulatory compliance.
If the User does not agree with the proposed changes, they must cease using the Dashboard. Io.finnet will provide a 30-day transition period during which the User may retrieve their data or make alternative arrangements.

For non-material changes or changes necessary to ensure legal or regulatory compliance, Io.finnet may implement these updates without prior notice. By continuing to use the Dashboard after any changes become effective, the User acknowledges and accepts these changes.

The User acknowledges this and agrees to hold Io.finnet harmless as relates to these changes.
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Subject to these Terms, Io.finnet will provide support for the Dashboard as follows:
5.1 Scope of Support
‍Io.finnet will provide support to address technical issues, resolve bugs, and assist with account-related queries regarding the Dashboard. Support does not include assistance with:
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i) Third-party Services;
ii) Issues arising from misuse, unauthorized modifications, or violations of these Terms; or
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5.2 Support Channels
‍Users can request support via:
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i) the Help Center; or
ii) the "Support” button accessible through the Dashboard.
Customers and End-Users can request support via:
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5.3 Availability
‍Io.finnet will make commercially reasonable efforts to respond to support requests during business hours (e.g., 9:00 AM–5:00 PM, Monday–Friday – EST, excluding public holidays). Response times may vary depending on the severity of the issue.
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5.4 User Responsibilities
Users seeking support must:
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(i)Provide accurate and complete information about the issue;
(ii)Cooperate with Io.finnet’s support team during troubleshooting; and
(iii)Ensure their use of the Dashboard complies with these Terms.

5.5 Modifications
Io.finnet reserves the right to modify its support policies or procedures at any time, with reasonable notice to Users where such changes materially impact support services.

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The Dashboard may include components licensed under open-source licenses (each, an “Open-Source License”). These Open-Source Licenses govern Users’ use of the relevant components and may impose additional obligations or restrictions on their use. By accessing or using the Dashboard, the User agrees to comply with all applicable Open-Source Licenses.Io.finnet disclaims all warranties, indemnities, and liabilities related to open-source components to the fullest extent permitted by Applicable Law. Copies of the applicable Open-Source Licenses can be provided upon request. If there is a conflict between the terms of an Open-Source License and these Terms, the terms of the Open-Source License will govern the Users’ use of the relevant component.

Io.finnet may, at its discretion, make certain in-development services or features (the “Beta Services”) available to Users. Beta Services are experimental, provided on an "as-is" and "as-available" basis, and may contain errors, bugs, or other issues that could affect their functionality, performance, or reliability. Users acknowledge and accept that Beta Services are not intended for production use and assume all risks associated with their use.Beta Services are identified by terms such as "Beta," "Alpha," "Pre-Release," or similar designations indicating their developmental status. Io.finnet makes no warranties, express or implied, regarding the performance, suitability, or availability of Beta Services and expressly disclaims liability for any issues or damages resulting from their use.Io.finnet reserves the sole and absolute right to:
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• Determine access to Beta Services, including the conditions and eligibility requirements for participation;
• Modify or discontinue Beta Services at any time without notice; and
• Establish future terms, conditions, or costs for the commercial release of any Beta Service, without any obligation to maintain features, functionalities, or pricing consistent with the Beta version.

8.1 Integration with Third-Party Services
‍The Dashboard may provide access to or integration with services, features, or applications provided by third parties (“Third-Party Services”). Such Third-Party Services are made available for convenience and may require separate agreements or acceptance of additional terms directly between the User and the third-party provider. Io.finnet does not control, endorse, or assume responsibility for Third-Party Services, their performance, availability, or compatibility with Io.finnet products and services.
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8.2 User at User’s Discretion
The User acknowledges that their access to and use of Third-Party Services is solely at their discretion and risk. Io.finnet makes no warranties or representations regarding the suitability, reliability, or security of any Third-Party Services and shall not be liable for any loss, damage, or harm arising from their use.

8.3 Responsibility for Third-Party Terms
Users are responsible for reviewing, understanding, and complying with any terms, conditions, and privacy policies associated with Third-Party Services. Io.finnet shall not be liable for any disputes or claims arising from the User’s interaction with Third-Party Services.

8.4 No Agency or Endorsement
The inclusion of Third-Party Services on the Dashboard does not imply an endorsement, sponsorship, or partnership between Io.finnet and the third-party providers. Io.finnet does not act as an agent or representative of any third party and disclaims any responsibility for transactions, obligations, or representations made by third-party providers.

8.5 Disruption or Discontinuation
Io.finnet reserves the right to modify, suspend, or discontinue access to Third-Party Services at any time without notice. Io.finnet shall not be liable for any loss or inconvenience resulting from such actions.

8.6 Fees and Charges
Any fees or charges associated with Third-Party Services are determined by the third-party provider and shall be borne solely by the User. Io.finnet is not responsible for processing or disputing such fees.
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Access to and use of the Dashboard is provided on an “as is” and “as available” basis. While Io.finnet makes commercially reasonable efforts to maintain the reliability and security of the Dashboard, the User acknowledges and accepts the following risks:
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1. System Interruptions: The Dashboard may experience outages, errors, or delays caused by maintenance, technical issues, or external factors beyond Io.finnet’s control.
2. Data Integrity and Compatibility: Io.finnet does not guarantee compatibility with all devices, operating systems, or Third-Party Services. Users are responsible for ensuring their systems meet the technical requirements specified in the Documentation.
3. Unauthorized Access: Io.finnet implements security measures but cannot guarantee that the Dashboard is immune to unauthorized access, attacks, or breaches. Users must take appropriate steps to secure their accounts and credentials.The User is solely responsible for assessing and mitigating risks associated with their use of the Dashboard. Io.finnet disclaims all liability for any consequences arising from such risks to the fullest extent permitted by Applicable Law.

10.1 Ownership
‍Except for the limited rights expressly granted under these Terms, Users acknowledge and agree that Io.finnet retains all right, title, and interest in and to the Dashboard, the software and systems used to provide the Dashboard and any related materials (collectively, the “Io.finnet Products”), including:
1. Any modifications, enhancements, updates, or derivative works of the Io.finnet Products;
2. Any software, applications, inventions, or other technology developed in connection with the Dashboard;
3. All usage data and analytics derived from the Dashboard; and
4. All associated Intellectual Property Rights (collectively, the “Io.finnet IP”).

10.2 No Other Rights and assignment‍
These Terms grants no rights or licenses Users except as explicitly stated. Dashboard and related materials are licensed, not sold.
Users acknowledge that:
1. They acquire no ownership, copyright, or other Intellectual Property Rights in the Dashboard, the Io.finnet Products, or any related materials through these Terms or their use of the Dashboard.
2. To the extent they acquire any right, title, or interest in the Io.finnet IP, such rights are automatically and irrevocably assigned to Io.finnet.

10.3 Feedback
If Users provide any feedback or suggestions about the Dashboard or the Io.finnet Products or Io.finnet’s business operations (the “Feedback”) then Io.finnet may use the Feedback without any obligation to the Users and the Users irrevocably assign to Io.finnet all right, title and interest in and to the Feedback.

10.4 User owned IP
These Terms do not grant Io.finnet any ownership rights in the Intellectual Property owned by the Users. All such rights remain exclusively with them, except as otherwise explicitly stated in these Terms.

11.1 Privacy Policy
Please refer to our Privacy Policy [link] for information on how we collect, use, and protect personal information.

11.2 Ownership of data
The Users are and remain the owners of the data and Personal Data that they provide to Io.finnet via the Dashboard pursuant to these Terms and the Privacy Policy (the “User Data”). 

Users agree that Io.finnet be allowed to process and use User Data for the duration of these Terms solely for the purpose of providing the Dashboard and Io.finnet products and services to the Users in accordance with the Privacy Policy. 

Notwithstanding the foregoing, Io.finnet shall have the right to use User Data for statistical purposes, to improve the Dashboard and to comply with Applicable Laws and regulations.

11.3 Compliance with data protection laws
Io.finnet undertakes to comply with applicable data protection and privacy laws when accessing, collecting, processing, analysing and otherwise using personal data (as defined in GDPR), including the EU Regulation 2016/679 on protection of natural persons with regards to the processing of personal data and on the free movement such data (“GDPR”).

11.4 Data Processing Roles
a) Io.finnet as a Data Controller:
-When determining the data fields and validation processes required to onboard Users and enable their access to and use of the Dashboard.
-When processing anonymized or aggregated data for analytics, service improvements, and compliance with legal or regulatory requirements

b) Io.finnet as a Data Processor:
When handling data provided by the Users strictly for their own purposes, under their instructions, and unrelated to Io.finnet’s core operational framework.

11.5 Third Party Services and Data Collection
Io.finnet facilitates access to Third-Party Services through the Dashboard. These operate independently, and their data handling practices are governed by their own terms and privacy policies. Io.finnet is not responsible for data processed directly by Third-Party Services. Users are encouraged to review the terms and privacy policies of such services.
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12.1 In this Section, “Confidential Information” means all information that the disclosing Party designates as confidential or which ought to be considered as confidential from its nature or from the circumstances surrounding its disclosure, including without limitation all regulatory, commercial, financial, administrative, intellectual property and technological information of either Party and any information concerning these Terms. As relates the Dashboard and its features, functionality and performance, Users acknowledge that they are part of the Confidential Information of Io.finnet. As relates the Users, Io.finnet acknowledges that non-public data provided by the Users in order to obtain access to and use the Dashboard are Confidential Information of the Users, and that, all content, Personal Data, data and information recorded and stored by the Dashboard for the Users are, as a consequence, Confidential Information. 

12.2 Confidential Information does not include information which:
-is known to the receiving Party before receipt from the other Party;
-is disclosed to the receiving Party in good faith by a Third-Party who had a right to make such disclosure; or
-is made public by the disclosing Party, or is established to be a part of the public domain otherwise than as a consequence of a breach by the receiving Party of its obligations hereunder.

12.3 All Confidential Information of each Party shall be used by the other Party strictly and only for the purposes of these Terms. Each Party agrees not to disclose to any third party any such Confidential Information without the written consent of the other Party or as required by court order.

12.4 Each Party shall have an obligation to prevent the other Party’s Confidential Information in its possession or control from being misappropriated, or wrongfully communicated by any employee, consultant or other person under the receiving Party’s control. If the receiving Party is required by a court or government authority to disclose Confidential Information, the receiving Party shall provide the disclosing Party with prompt notice, including the circumstances of such requirement, so that the disclosing Party may seek an appropriate protective order, and shall reasonably cooperate with the disclosing Party in an action by the disclosing Party to obtain an appropriate protective order. Upon termination of these Terms, the Parties shall promptly return or destroy the other Party’s Confidential Information.

12.5 Each of the Parties acknowledge that disclosure of the Disclosing Party’s Confidential Information or any other breach of these Terms may cause serious and irreparable damage to the Disclosing Party and that remedies at law may be inadequate to protect against breach of these provisions. As such, both Parties agree that a Disclosing Party may seek injunctive relief for any breach of the confidentiality provisions of these Terms and to specific enforcement of its terms, in addition to any other remedy to which it would be entitled.

There are no fees for accessing or using the Dashboard itself. However, Customers are solely responsible for the payment of any fees associated with the Io.finnet products, services, or Third Party Services they enable or use through the Dashboard.The applicable fees, terms of payment, and billing processes for such products or services will be governed by the specific agreements or terms and conditions associated with those products or services.Io.finnet reserves the right to amend this clause or introduce fees for the Dashboard in the future with proper advance notice, in accordance with the modification provisions of these Terms.

14.1 Term
‍These Terms begin upon the issuance of Dashboard Credentials and remain in effect until access is terminated in accordance with these Terms.

14.2 Termination
These Terms may be terminated:
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•By Io.finnet: At any time, with or without cause, by providing notice to the User or by revoking the User’s Dashboard Credentials.
•By the User: At any time, by ceasing to use the Dashboard and notifying Io.finnet.
•Automatically: If the User’s Dashboard Credentials are revoked due to a breach of these Terms or Applicable Laws.

14.3 Effects of Termination and Obligations Upon Termination
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14.3.1 Effect of Termination
Upon termination of these Terms and access to the Dashboard for any reason:
i) The User’s access to the Dashboard and associated services will immediately terminate;
ii) Io.finnet shall revoke all Dashboard Credentials and related access permissions;
iii) Each Party remains responsible for all obligations, including any fees and charges incurred through the termination date.
v) Certain provisions of these Terms, including those related to intellectual property, confidentiality, liability limitations and dispute resolution, shall survive termination to the extent necessary for enforcement.

14.3.2 User Obligations
Upon termination: 
- Users must cease all use of the Dashboard;
- Users who were granted access as part of a Customer's subscription acknowledge that their access will be immediately revoked upon termination of the Customer's subscription.

14.3.3 Io.finnet Obligations
Upon termination or expiration:
i) Io.finnet shall revoke all access to the Dashboard.

ii) Io.finnet will delete User data from its systems after the applicable retention period unless legally required to retain such data.
iii) Io.finnet will ensure the secure handling and compliance with Data Privacy Laws concerning any retained User data.

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15.1 Representations and warranties of Io.finnet
Io.finnet represents and warrants that it has the legal authority to provide access to the Dashboard under these Terms.
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15.1.1 Disclaimer of Warranties 
TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW:
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1. IO.FINNET DISCLAIMS ALL WARRANTIES EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE; AND
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2. IO.FINNET DOES NOT GUARANTEE THAT THE DASHBOARD OR ANY RELATED SERVICES WILL BE ERROR-FREE, VIRUS-FREE, UNINTERRUPTED, OR COMPATIBLE WITH ALL SYSTEMS, DEVICES OR SOFTWARE.3. THE DASHBOARD IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY GUARANTEES OF FUNCTIONALITY OR SUITABILITY FOR THE USER’S SPECIFIC NEEDS.

The User acknowledges and agrees that the use of the Dashboard is at their sole risk, and Io.finnet does not warrant the accuracy, completeness, or reliability of the Dashboard or any information or data provided through it.

15.1.2 Warranty of title
Io.finnet represents and warrants that it is the owner of the Dashboard or has obtained all necessary rights and permissions to grant the licenses set forth in these Terms, including rights to any Third-Party Services or components.

15.1.3 Warranty of non-infringement
Io.finnet warrants that the Dashboard does not infringe upon any third-party intellectual property rights and that it has secured all necessary permissions for any Third-Party Services or materials included in the Dashboard.

15.2 Duties, responsibilities, representations and warranties of the User

15.2.1 User Representation and Warranties
By accessing or using the Dashboard, the User represents and warrants that:
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1. They are legally authorized to access and use the Dashboard under Applicable Law.
2. They will use the Dashboard only in accordance with these Terms and Applicable Laws.

15.2.2 Cooperation and User Responsibilities
1. Users must provide reasonable cooperation and assistance to Io.finnet for troubleshooting, support, or compliance-related matters.
2. Users are responsible for understanding and adhering to these Terms and the Documentation.
3. The User is solely responsible for maintaining the security and functionality of their systems and devices used to access the Dashboard. Io.finnet is not liable for any issues arising from their failure to do so.
4. Users agree to respect Io.finnet's Intellectual Property Rights and to notify Io.finnet of any suspected infringement, misuse, or unauthorized access to the Dashboard.
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16.1 Maximum Liability
LIABILITY ARISING FROM PRODUCTS, SERVICES, OR THIRD-PARTY SERVICES ACCESSIBLE THROUGH THE DASHBOARD SHALL BE GOVERNED BY THEIR RESPECTIVE TERMS. IO.FINNET’S LIABILITY IS LIMITED SOLELY TO DAMAGES ARISING DIRECTLY FROM THE DASHBOARD ITSELF.
TO THE EXTENT PERMITTED BY LAW, IO.FINNET’S MAXIMUM LIABILITY FOR ANY DAMAGES ARISING OUT OF OR RELATED TO THE DASHBOARD (REGARDLESS OF WHETHER SUCH LIABILITY ARISES FROM NEGLIGENCE OR OTHERWISE), WHETHER IN CONTRACT OR TORT, OR OTHERWISE, SHALL IN NO EVENT EXCEED, IN THE AGGREGATE, THE SUM OF ONE HUNDRED US DOLLARS (100 USD). THIS LIMITATION OF LIABILITY IS CUMULATIVE AND NOT PER INCIDENT.

16.2 Exclusion of Certain Damages
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IO.FINNET SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:
LOSS OF PROFITS, REVENUE, OR BUSINESS OPPORTUNITIES;
LOSS OF USE, DATA, OR GOODWILL; OR
BUSINESS INTERRUPTIONS OR SYSTEM FAILURES,EVEN IF IO.FINNET HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
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THIS LIMITATION SHALL NOT APPLY TO LIABILITY RESULTING FROM IO.FINNET’S GROSS NEGLIGENCE OR WILLFUL MISCONDUCT, OR TO THE EXTENT OTHERWISE PROHIBITED BY APPLICABLE LAW.

16.3 Specific Exclusions
Io.finnet shall not be liable for any damages or losses arising from:
Data Security:
Breaches of security affecting Personal Data unless directly caused by Io.finnet’s failure to implement reasonable and required security measures under Applicable Laws.Security breaches related to Internet or mobile networks beyond Io.finnet’s control.
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Data Accuracy:
Inaccuracies, omissions, or errors in data provided by the Users or Third-Party Services integrated into the Dashboard.
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Unauthorized Use:
Abnormal, unauthorized, or illegal use of the Dashboard, including violations of these Terms or Applicable Laws.Damages caused by the use of the Dashboard on non-compatible, jailbroken, or compromised devices.

Third-Party Services:
Losses or damages resulting from interactions with Third-Party Services accessible through the Dashboard but not provided by Io.finnet.

Users Responsibilities:
Failure by Users to secure Dashboard credentials, or to implement proper governance practices for the Dashboard access and use.

17.1 Intellectual Property Rights
‍Io.finnet shall defend, indemnify, and hold Users harmless from any claims, liabilities, or damages arising from any action or claim that the Dashboard infringes any Intellectual Property and/or proprietary rights of a third party, provided that:
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1. The User provides prompt written notice of the claim and cooperates with Io.finnet’s reasonable requests for assistance in the defense; and
2. Io.finnet controls the defense, negotiation, and settlement of any such claim.Io.finnet shall not settle or compromise any claim that would adversely affect a User's rights without their prior written consent, such consent not to be unreasonably withheld.
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17.2 Exclusion
Io.finnet shall have no liability for intellectual property claims arising from:
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1. Modifications to the Dashboard made by Users or third parties without Io.finnet’s authorization;
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2. The combination of the Dashboard with non-Io.finnet services, software, or systems;
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3. Continued use of the Dashboard after Users have been notified of the alleged infringement and provided a non-infringing alternative; or
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4. Modifications to the Dashboard made by any person or entity other than Io.finnet.

17.3 Users Responsibility
Users agree to defend, indemnify, and hold harmless Io.finnet, its affiliates, and their respective directors, officers, employees, contractors, and agents from any claims, liabilities, damages, and related costs or expenses arising out of:
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1. A User’s breach of these Terms or Applicable Law;
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2. Unauthorized use of the Dashboard or failure to comply with its documentation;
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3. Actions taken by Io.finnet pursuant to the User’s instructions; or
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4. Any other actions or omissions by the User that result in liability to Io.finnet.Io.finnet will cooperate reasonably in such defenses and may choose to participate at its own expense. Users may not settle or compromise any claim in a manner that adversely affects Io.finnet’s rights without prior written consent, such consent not to be unreasonably withheld.

18.1 Any notice given under these Terms must be in writing and sent via registered mail, courier, or email to the addresses provided below. It is the User’s responsibility to ensure that Io.finnet is informed of any changes to their contact information. Notices related to B2B Customers shall be communicated to the Customer as the representative of its End-Users.
To Io.finnet at: 
4208 Six Forks Rd., 10th Floor, Raleigh, NC, 27609, United States of AmericaAtt: Legal Department
email: legal@iofinnet.com
Io.finnet may update its contact information from time to time by providing written notice to Users.

18.2 A notice shall be deemed to have been received:

-if delivered personally, at the time of delivery;
-in the case of a pre-paid letter with acknowledgement of receipt, on the date inscribed on the acknowledgement of receipt;
-in case of email, by email with acknowledgement of receipt, on receipt of a delivery receipt email from the correct address.

For general inquiries or support, Users may contact Io.finnet via the Help Center accessible at dashboard.iofinnet.com/help or through the support section of the Dashboard.

Io.finnet shall not be liable for failure or delay in performance due to events beyond its reasonable control, including but not limited to fires, floods, earthquakes, pandemics, or government actions ("Force Majeure Events"). If such a delay extends beyond 30 consecutive days, either Party may terminate access to the Dashboard without penalty.

These Terms contain the entire agreement and understanding of the Parties and shall supersede any prior agreements and understandings of the Parties with respect to the subject matter hereof.

Users may not assign their rights or obligations under these Terms without prior written consent from Io.finnet. Io.finnet may assign its rights or obligations to its subsidiaries, parent company, or as part of a corporate restructuring.

Nothing in these Terms is intended to create a partnership, joint-venture, employment of legal relationship of any kind that would impose liability upon one party for the act or failure to act of the other party, or to authorize either party to act as agent for the other party. Neither party shall have authority to make representations, act in the name of, or on behalf of, or otherwise bind another Party.

The rights and remedies provided by these Terms may be waived only in writing by any authorized representative in a manner that expressly states that a waiver is intended and such waiver shall only be effective with regard to the specific circumstances referred hereto.
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Unless a right or remedy of either party is expressed to be an exclusive right or remedy, the exercise of it by that party is without prejudice to that party’s other rights and remedies. Any failure to exercise or any delay in exercising a right or remedy by either party shall not constitute a waiver of that right or remedy or of any other rights or remedies.

The rights and remedies provided by these Terms are cumulative and, unless otherwise provided in these Terms, are not exclusive of any right or remedies provided at law or in equity or otherwise under these Terms.

In the performance of its duties and obligations under these Terms, each of the Parties shall at all times comply with all Applicable Laws. If any clause or provision of these Terms is held to be invalid or unenforceable by any court of competent jurisdiction, the remainder of these Terms shall not be affected thereby. All other clauses or provisions of these Terms, not found invalid or unenforceable shall be and remain valid and enforceable.

These Terms and any non-contractual obligations arising out of or in connection with it shall be governed by and construed in accordance with the laws of Delaware without giving effect to its rules relating to conflict of laws. Each Party agrees to submit to the exclusive jurisdiction of the Delaware courts (other than in respect of enforcement in which case the Delaware courts shall have non-exclusive jurisdiction).