1. Website & App Operator: Polybius Wallet OU
1.1 The website https://osom.finance/ (hereafter the “Website”) is operated by Polybius Wallet OÜ, whose seat is registered at Tartu maantee 43, 10128 Tallinn, Estonia, under Commercial registry number: 14632235 (hereinafter “Polybius”, “we” or “us”).
1.2 Polybius is developing a personal financial management service under the brandname “OSOM” to be offered to users via the Website and a mobile App (hereinafter the “App”).
1.3 These Terms and Conditions (hereinafter the “Terms and Conditions”) are directed at all public users of the Website (hereinafter the “Visitor(s)” or “you”).
2. The Website’s & App’s Content
2.1 The Website and App, including any information, graphics, aesthetic, technical, and/or other effect, are aimed at informing you of all developments linked to Polybius’ products and/or services (hereinafter the “Content”).
2.2 Polybius has the right to adapt or otherwise modify the Content at its sole discretion and without previous notice.
2.3. Polybius will use all reasonable efforts to keep the Content up to date and correct. However, not all information may be current or complete. Polybius does not guarantee the accuracy of the Content.
2.4 Any examples that are referred to in the Content are purely illustrative. We do our best to ensure that they accurately reflect Polybius’ present or future products and services. However, products and services may differ in practice.
3. Restrictions on Use
3.1 The Website and App are made publicly and freely available to all Visitors. You agree to use the Website and App and the Content solely for lawful purposes. The Content may only be used for non-commercial and private purposes.
3.2 Any use of the Website and App are only authorized in accordance with these Terms and Conditions and our Privacy and Cookies Policies, available on our Website and App. We advise you to read these Policies before accessing the Website.
3.3 By accessing the Website and App, you acknowledge having been informed of and explicitly agree to these Terms and Conditions as well as the Privacy and Cookies Policies. Should you disagree with these Terms and Conditions or Policies you are kindly requested to leave the Website and App.
3.4 You may not, knowingly or unknowingly, use any harmful software or introduce any harmful programs or files (i.e. a virus) to access the Website or App, distort the Content, or disrupt services. You will exercise reasonable care to avoid and prevent any of the foregoing. You may not distort, modify or otherwise manipulate the Website or App or Content in any manner whatsoever.
4.1 Unless otherwise specified, should you wish to include a link to the Website or App from another website or app (for example a blog of Your own), you must first request permission from [email protected] to do so. Any permission so granted can be revoked at any time at Polybius’ discretion.
4.2 Polybius bears no liability in connection to the third party websites and does not condone any content made available through them. The content of any third party websites or apps is the exclusive liability of those third party operators.
4.3 Polybius will erase any links to third party websites, which to Polybius’ knowledge, make illegal content available or carry out any type of illegal activity.
5. Intellectual Property
5.1 The text, layout, illustrations on the Website or App or any other Content are protected by Polybius’ copyright, trademark, or other rights (intellectual property and other). All Content is Polybius’ exclusive property or has been validly licensed to Polybius. Thus, all Content remains Polybius’ property even once downloaded.
5.2 Unless otherwise specified, information (textual or numeric) may be used freely so long as it is correctly referenced (i.e. Polybius is mentioned as the source) and only for non-commercial and non-advertising purposes (i.e. scientific, educational, or purely private ends). However, any use of other aspects of Content, such as the images, sound or layout, is strictly prohibited without Polybius’ prior written approval.
6. Exclusion and Limitation of Liability
6.1 To the extent permitted by law, Polybius will not be held liable for any damage that may result directly or indirectly from using the Website or App.
6.2 The use of any information obtained from or through the Website or App is done at the Visitor’s own risk. To the extent permitted by law, Polybius’ declines any liability relative to decisions made on the basis of information obtained from or through the Website or App.
6.3 Polybius does not guarantee the Website’s or App’s effective operation and functional performance. To the extent permitted by law, Polybius declines all liability in the case of any defect or unavailability, or in the case of any other direct or indirect damage that may arise in connection to accessing or using the Website or App. Polybius is not liable for any damage owing to any service interruptions, technical errors, viruses or any other factors beyond Polybius’ control.
9. Changes to Terms and Conditions
9.1 Polybius reserves the right, at its sole discretion, to amend, complete or otherwise modify these Terms and Conditions at any time and without notice.
10.1 Should any provision of these Terms and Conditions be found invalid and/or unenforceable, for any reasons whatsoever, the remaining provisions of these Terms and Conditions will remain valid and enforceable as if the invalidated provision had not been included therein. The invalidated provision will be replaced with a provision that adequately reflects the parties’ initial intention.
11.1 Any activity or behaviour contrary to these Terms and Conditions or Polybius’ failure to enforce them can never be deemed a waiver of Polybius’ rights under said Terms and Conditions.
12. Applicable Law and Jurisdiction
12.1 By accessing the Website or App you agree to these Terms and Conditions, and further accepts the application of Estonian law..
12.2 Any dispute arising in connection to these Terms and Conditions and/or the Website and App is the exclusive jurisdiction of the Harju County Court in Tallinn, Estonia, unless otherwise required by mandatory law.
13. Contact Us
13.1 If you have any questions or comments about these Terms and Conditions, please contact us here:
By email to [email protected] or by postal mail to Customer Support, Polybius Wallet OÜ, whose seat is registered at Tartu maantee 43, 10128 Tallinn, Estonia