Terms and Conditions
Last updated July 29, 2026
AGREEMENT TO OUR LEGAL TERMS
We are
finbound.org
(
'Company',
'we',
'us',
or
'our'
)
.
We operate
the website
Finbound website
(the
'Site')
,
as well as any other related products and services that refer or link to these legal terms (the
'Legal Terms')
(collectively, the
'Services').
You can contact us by email at contact@finbound.org.
These Legal Terms constitute a legally binding agreement made between you, whether personally or on behalf of an entity
('you'), and
finbound.org,
concerning your access to and use of the Services. You agree that by accessing the Services, 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, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SERVICES AND YOU MUST
DISCONTINUE USE IMMEDIATELY.
Supplemental terms and conditions or documents that may be posted on the Services from time to time are hereby expressly
incorporated herein by reference. We reserve the right, in our sole discretion, to make changes or modifications to these
Legal Terms from time to time. 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 such change. It is your responsibility to periodically review
these Legal Terms to stay informed of updates. You will be subject to, and will be deemed to have been made aware of and
to have accepted, the changes in any revised Legal Terms by your continued use of the Services after the date such revised
Legal Terms are posted.
The Services are intended for users who are at least 13 years of age. All users who are minors in the jurisdiction in which
they reside (generally under the age of 18) must have the permission of, and be directly supervised by, their parent or
guardian to use the Services. If you are a minor, you must have your parent or guardian read and agree to these Legal Terms
prior to you using the Services.
We recommend that you print a copy of these Legal Terms for your records.
TABLE OF CONTENTS
1. OUR SERVICES
The 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 be contrary to law or regulation or which would subject us to
any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the
Services from other locations do so on their own initiative and are solely responsible for compliance with local laws, if
and to the extent local laws are applicable.
The Services are not tailored to comply with industry-specific regulations (Health Insurance Portability and Accountability
Act (HIPAA), Federal Information Security Management Act (FISMA), etc.), so if your interactions would be subjected to such
laws, you may not use the Services. You may not use the Services in a way that would violate the Gramm-Leach-Bliley Act (GLBA).
Worldwide Sales.
We sell and offer our Services to users worldwide. By choosing to access our Services from any location outside of
the United Kingdom or Ireland, you acknowledge that you are responsible for ensuring compliance with any local laws that
may apply. We reserve the right to limit the availability of the Services, in whole or in part, to any person, geographic
area, or jurisdiction we choose, at any time and in our sole discretion.
Subscription and Lifetime Plans.
We offer our Services on either a recurring subscription basis or as a one-time lifetime purchase option (“Lifetime
Access”). If you purchase a recurring subscription, you agree to pay the applicable subscription fees on a regular basis
until you cancel according to our policies. If you purchase a Lifetime Access license, you understand and agree that this
grants you access to the Services for as long as they are available.
However, we reserve the right to discontinue or terminate any Lifetime Access if we (finbound.org) cease operations or
are otherwise unable to continue providing the Service.
Refunds.
Monthly subscriptions may be cancelled at any time from your billing settings; cancellation stops future renewals and
does not entitle you to a refund of fees already charged for the then-current billing period, except where required by
applicable law. Lifetime Access is a one-time purchase.
We do not offer refunds on Lifetime Access once you have used the Services, including where you have created an
application, completed a study question or flashcard, taken a test, or used any Application Tool (including CV Optimizer,
Cover Letter Optimizer, Application Answer Review, Video Interview Prep, Telephone Interview Prep, or Superday Interview
Prep). Where a Lifetime purchase has not been used in any of those ways, any refund request is considered solely at our
discretion and is not guaranteed. Nothing in these Legal Terms limits any non-waivable consumer rights that may apply in
your jurisdiction.
Affiliate Program.
We may, at our discretion, offer an affiliate program. Under this program, affiliates may earn commission for
referring new users to our Services. Commissions are paid out to a valid PayPal address provided by the affiliate.
We reserve the right to determine the timing, frequency, and eligibility criteria for any payout, and we make no guarantee
of immediate or scheduled payment. We are not responsible for inaccurate payout details provided by affiliates or for
any fees charged by PayPal or other payment processors.
Fintelligence Application Tools.
Certain paid features of the Services, including CV Optimizer, Cover Letter Optimizer,
Application Answer Review, Video Interview Prep, Telephone Interview Prep,
and Superday Interview Prep (together, the
'Application Tools'), use automated and artificial-intelligence-assisted processing operated by Finbound
('Fintelligence'). By uploading materials or recordings and using the Application Tools, you acknowledge
and agree that:
- The Application Tools are productivity and preparation aids only. They do not constitute career coaching, legal, immigration, employment, or regulatory advice, and they are not a substitute for your own judgement, research, or professional advisers where appropriate.
- Outputs (including rewritten CV or cover letter text, ATS suggestions, scores, transcripts, feedback, and recommendations) may be inaccurate, incomplete, outdated, biased, or unsuitable for a particular employer, programme, portal, or jurisdiction. You must review, edit, and verify every output before relying on it or submitting it to any third party.
- You are solely responsible for the accuracy, truthfulness, and lawfulness of anything you submit to employers, universities, recruiters, application portals, or other third parties, whether or not it was created or assisted by the Application Tools. You must not misrepresent your qualifications, experience, achievements, motivation, or firm-specific knowledge.
- We do not warrant that any output will pass applicant tracking systems (ATS), satisfy employer or university policies, result in interviews, or lead to offers. Employers and institutions may prohibit or restrict use of AI; it is your responsibility to check and comply with their rules before you use or submit Application Tool outputs.
- When you upload PDFs, text, or recordings accepted by a given Application Tool, you represent that you have the right to provide that content and you grant us the licences described in these Legal Terms to host, process, transcribe, analyse, store, and display it as needed to operate the Application Tools.
- For Video Interview Prep and Superday Interview Prep, camera access may be used only for a live in-browser preview on your device. We do not store, transmit, or retain video from those tools. Only the audio from your answers is sent to us for transcription, analysis, and storage as needed to provide feedback. You are responsible for obtaining any consent required in your location before recording.
- Application Tools may be limited by plan tier, usage caps, file size, recording length, supported formats, or technical availability. We may modify, suspend, or discontinue any Application Tool or underlying model at any time. Processing may involve third-party infrastructure or model providers subject to their own terms.
- Saved outputs in your account are provided for your convenience. You should maintain your own backups. We may delete or anonymise tool-related data in accordance with our Privacy Policy, retention practices, and applicable law.
Study, Assessment, and Readiness Features.
The Services also include application tracking, personalised study tasks (such as questions and
flashcards), practice tests (including firm- or topic-specific assessments where offered),
readiness and progress analytics, and Fintelligence recommendations or analysis based on
your activity (together with guides, blog posts, and similar materials on the Site, the
'Preparation Features'). By using the Preparation Features, you acknowledge and agree that:
- All Preparation Features are for general education and interview preparation only. They are not official materials from any employer, university, or recruiter, and they do not create any affiliation, endorsement, or agency relationship with any third party.
- Questions, answers, explanations, flashcards, test items, tips, and guides may be inaccurate, incomplete, outdated, simplified, or not representative of what you will face in a live application, assessment, or interview. Markets, deals, firms, and hiring processes change frequently; you must verify facts independently before relying on them in applications or interviews.
- Test scores, readiness percentages, streaks, rankings, and similar metrics are indicative only. They do not guarantee performance in employer assessments, HireVue, superdays, technical interviews, or any other selection stage.
- Fintelligence study or test analysis, daily tips, and recommended next steps are automated suggestions based on limited platform data. They may be wrong or incomplete and do not replace your own preparation plan, tutors, mentors, or official employer guidance.
- Free and paid tiers may limit applications, study tasks, tests, analytics, or Fintelligence access. We may change task libraries, test content, scoring logic, or feature availability at any time without liability.
- You must not scrape, redistribute, publish, or share test questions, answers, explanations, or other proprietary Preparation Feature content outside the Services except as we expressly permit.
2. INTELLECTUAL PROPERTY RIGHTS
Our intellectual property
We 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 in the United States and 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 Services
Subject to your compliance with these Legal Terms, including the 'PROHIBITED ACTIVITIES' section below, we grant you a
non-exclusive, non-transferable, revocable licence to:
- access the Services; and
- download 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: contact@finbound.org. 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 or is 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 submissions and contributions
Please 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.
Contributions: The Services may invite you to chat, contribute to, or participate in blogs, message boards,
online forums, and other functionality during which you may create, submit, post, display, transmit, publish, distribute,
or broadcast content and materials to us or through the Services, including but not limited to text, writings, video, audio,
photographs, music, graphics, comments, reviews, rating suggestions, personal information, or other material ('Contributions').
Any Submission that is publicly posted shall also be treated as a Contribution.
You understand that Contributions may be viewable by other users of the Services and possibly through third-party websites.
When you post Contributions, you grant us a licence (including use of your name, trademarks, and logos):
By posting any Contributions, you grant us an unrestricted, unlimited, irrevocable, perpetual, non-exclusive, transferable,
royalty-free, fully-paid, worldwide right, and licence to: use, copy, reproduce, distribute, sell, resell, publish, broadcast,
retitle, store, publicly perform, publicly display, reformat, translate, excerpt (in whole or in part), and exploit your
Contributions (including, without limitation, your image, name, and voice) for any purpose, commercial, advertising, or
otherwise, to prepare derivative works of, or incorporate into other works, your Contributions, and to sublicense the licences
granted in this section. Our use and distribution may occur in any media formats and through any media channels.
This licence includes our use of your name, company name, and franchise name, as applicable, and any of the trademarks,
service marks, trade names, logos, and personal and commercial images you provide.
You are responsible for what you post or upload: By sending us Submissions and/or posting Contributions
through any part of the Services or making Contributions accessible through the Services by linking your account through
the Services to any of your social networking accounts, 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 nor post any Contribution 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 and/or Contribution;
- warrant that any such Submission and/or Contributions are original to you or that you have the necessary rights and licences to submit such Submissions and/or Contributions and that you have full authority to grant us the above-mentioned rights in relation to your Submissions and/or Contributions; and
- warrant and represent that your Submissions and/or Contributions do not constitute confidential information.
You are solely responsible for your Submissions and/or Contributions and you expressly agree to reimburse us for any and all
losses that we may suffer because of your breach of (a) this section, (b) any third party’s intellectual property rights,
or (c) applicable law.
We may remove or edit your Content: Although we have no obligation to monitor any Contributions, we shall
have the right to remove or edit any Contributions at any time without notice if in our reasonable opinion we consider such
Contributions harmful or in breach of these Legal Terms. If we remove or edit any such Contributions, we may also suspend
or disable your account and report you to the authorities.
By using the Services, you represent and warrant that: (1) all registration information you submit will be true, accurate,
current, and complete; (2) you will maintain the accuracy of such information and promptly update such registration information
as necessary; (3) you have the legal capacity and you agree to comply with these Legal Terms; (4) you are not under the age
of 13; (5) you are not a minor in the jurisdiction in which you reside, or if a minor, you have received parental permission
to use the Services; (6) you will not access the Services through automated or non-human means, whether through a bot, script
or otherwise; (7) you will not use the Services for any illegal or unauthorised purpose; and (8) 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. USER REGISTRATION
You may be required to register to use the Services. You agree to keep your password confidential and will be responsible
for all use of your account and password. We reserve the right to remove, reclaim, or change a username you select if we
determine, in our sole discretion, that such username is inappropriate, obscene, or otherwise objectionable.
5. PROHIBITED ACTIVITIES
You 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 endeavours 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 or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.
- Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords.
- Circumvent, disable, or otherwise interfere with security-related features of the Services, including features that prevent or restrict the use or copying of any Content or enforce limitations on the use of the Services and/or the Content contained therein.
- Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Services.
- Use any information obtained from the Services in order 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 in a manner inconsistent with any applicable laws or regulations.
- Engage in unauthorised framing of or linking to the Services.
- Upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material, including excessive use of capital letters and spamming (continuous posting of repetitive text), that interferes with any party’s uninterrupted use and enjoyment of the Services or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Services.
- Engage in any automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools.
- Delete the copyright or other proprietary rights notice from any Content.
- Attempt to impersonate another user or person or use the username of another user.
- Upload or transmit (or attempt to upload or to transmit) any material that acts as a passive or active information collection or transmission mechanism, including without limitation, clear graphics interchange formats ('gifs'), 1×1 pixels, web bugs, cookies, or other similar devices (sometimes referred to as 'spyware' or 'passive collection mechanisms' or 'pcms').
- Interfere with, disrupt, or create an undue burden on the Services or the networks or services connected to the Services.
- Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Services to you.
- Attempt to bypass any measures of the Services designed to prevent or restrict access to the Services, or any portion of the Services.
- Copy or adapt the Services' software, including but not limited to Flash, PHP, HTML, JavaScript, or other code.
- Except as permitted by applicable law, decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Services.
- Except as may be the result of standard search engine or Internet browser usage, use, launch, develop, or distribute any automated system, including without limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses the Services, or use or launch any unauthorised script or other software.
- Use a buying agent or purchasing agent to make purchases on the Services.
- Make any unauthorised use of the Services, including collecting usernames and/or email addresses of users by electronic or other means for the purpose of sending unsolicited email, or creating user accounts by automated means or under false pretences.
- Use the Services as part of any effort to compete with us or otherwise use the Services and/or the Content for any revenue-generating endeavour or commercial enterprise.
- Upload CVs, cover letters, videos, or other materials to the Application Tools that you do not have the right to use, or that contain unlawful, confidential, or third-party proprietary content without permission.
- Use the Application Tools to fabricate or misrepresent qualifications, employment history, deals, metrics, firm knowledge, references, or other facts in materials submitted or intended for submission to employers or application portals.
- Submit Application Tool outputs to third parties without appropriate human review where you know, or reasonably should know, that such submission would violate employer, university, or portal policies or applicable law.
- Attempt to access paid Application Tools or paid Preparation Features (including company-specific tests or Fintelligence analysis) without an active entitlement, or circumvent plan limits, usage caps, or technical restrictions on those features.
- Copy, scrape, redistribute, or publicly share test questions, model answers, explanations, or other proprietary Preparation Feature content from the Services.
6. USER GENERATED CONTRIBUTIONS
The Services may invite you to chat, contribute to, or participate in blogs, message boards, online forums, and other
functionality, and 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. As such,
any Contributions you transmit may be treated as non-confidential and non-proprietary. When you create or make available
any Contributions, you thereby represent and warrant that:
- The creation, distribution, transmission, public display, or performance, and the accessing, downloading, or copying of your Contributions do not and will not infringe the proprietary rights, including but not limited to the copyright, patent, trademark, trade secret, or moral rights of any third party.
- You are the creator and owner of or have the necessary licences, rights, consents, releases, and permissions to use and to authorise us, the Services, and other users of the Services to use your Contributions in any manner contemplated by the Services and these Legal Terms.
- You have the written consent, release, and/or permission of each and every identifiable individual person in your Contributions to use the name or likeness of each and every such identifiable individual person to enable inclusion and use of your Contributions in any manner contemplated by the Services and these Legal Terms.
- Your Contributions are not false, inaccurate, or misleading.
- Your Contributions are not unsolicited or unauthorised advertising, promotional materials, pyramid schemes, chain letters, spam, mass mailings, or other forms of solicitation.
- Your Contributions are not obscene, lewd, lascivious, filthy, violent, harassing, libellous, slanderous, or otherwise objectionable (as determined by us).
- Your Contributions do not ridicule, mock, disparage, intimidate, or abuse anyone.
- Your Contributions are not used to harass or threaten (in the legal sense of those terms) any other person and to promote violence against a specific person or class of people.
- Your Contributions do not violate any applicable law, regulation, or rule.
- Your Contributions do not violate the privacy or publicity rights of any third party.
- Your Contributions do not violate any applicable law concerning child pornography, or otherwise intended to protect the health or well-being of minors.
- Your Contributions do not include any offensive comments that are connected to race, national origin, gender, sexual preference, or physical handicap.
- Your Contributions do not otherwise violate, or link to material that violates, any provision of these Legal Terms, or any applicable law or regulation.
Any use of the Services in violation of the foregoing violates these Legal Terms and may result in, among other things,
termination or suspension of your rights to use the Services.
7. CONTRIBUTION LICENCE
By posting your Contributions to any part of the Services, you automatically grant, and you represent and warrant that you have
the right to grant, to us an unrestricted, unlimited, irrevocable, perpetual, non-exclusive, transferable, royalty-free,
fully-paid, worldwide right, and licence to host, use, copy, reproduce, disclose, sell, resell, publish, broadcast, retitle,
archive, store, cache, publicly perform, publicly display, reformat, translate, transmit, excerpt (in whole or in part), and
distribute such Contributions (including, without limitation, your image and voice) for any purpose, commercial, advertising,
or otherwise, and to prepare derivative works of, or incorporate into other works, such Contributions, and grant and authorise
sublicences of the foregoing. The use and distribution may occur in any media formats and through any media channels.
This licence will apply to any form, media, or technology now known or hereafter developed, and includes our use of your name,
company name, and franchise name, as applicable, and any of the trademarks, service marks, trade names, logos, and personal
and commercial images you provide. You waive all moral rights in your Contributions, and you warrant that moral rights have
not otherwise been asserted in your Contributions.
We do not assert any ownership over your Contributions. You retain full ownership of all of 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.
We have the right, in our sole and absolute discretion, (1) to edit, redact, or otherwise change any Contributions;
(2) to re-categorise any Contributions to place them in more appropriate locations on the Services; and (3) to pre-screen or
delete any Contributions at any time and for any reason, without notice. We have no obligation to monitor your Contributions.
8. THIRD-PARTY WEBSITES AND CONTENT
The Services may contain (or you may be sent via the Site) links to other websites ('Third-Party Websites') as well as articles,
photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software, and other content
or items belonging to or originating from third parties ('Third-Party Content'). Such Third-Party Websites and Third-Party
Content are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by us, and we are not
responsible for any Third-Party Websites accessed through the Services or any Third-Party Content posted on, available through,
or installed from the Services, including the content, accuracy, offensiveness, opinions, reliability, privacy practices,
or other policies of or contained in the Third-Party Websites or the Third-Party Content. Inclusion of, linking to, or
permitting the use or installation of any Third-Party Websites or any Third-Party Content does not imply approval or endorsement
thereof by us. If you decide to leave the Services and access the Third-Party Websites or to use or install any Third-Party
Content, you do so at your own risk, and you should be aware these Legal Terms no longer govern. You should review the
applicable terms and policies, including privacy and data gathering practices, of any website to which you navigate from
the Services or relating to any applications you use or install from the Services. Any purchases you make through Third-Party
Websites will be through other websites and from other companies, and we take no responsibility whatsoever in relation to
such purchases which are exclusively between you and the applicable third party. You agree and acknowledge that we do not
endorse the products or services offered on Third-Party Websites and you shall hold us blameless from any harm caused by
your purchase of such products or services. Additionally, you shall hold us blameless from any losses sustained by you or
harm caused to you relating to or resulting in any way from any Third-Party Content or any contact with Third-Party Websites.
9. SERVICES MANAGEMENT
We 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.
10. PRIVACY POLICY
We care about data privacy and security. Please review our Privacy Policy:
Privacy Policy.
By using the Services, you agree to be bound by our Privacy Policy, which is incorporated into these Legal Terms. Please be
advised the Services are hosted in the United Kingdom and Ireland. If you access the Services from any other region of the
world with laws or other requirements governing personal data collection, use, or disclosure that differ from applicable
laws in the United Kingdom or Ireland, then through your continued use of the Services, you are transferring your data to
the United Kingdom and Ireland, and you expressly consent to have your data transferred to and processed in the United Kingdom
and Ireland. Further, we do not knowingly accept, request, or solicit information from children or knowingly market to
children. Therefore, in accordance with the U.S. Children’s Online Privacy Protection Act, if we receive actual knowledge
that anyone under the age of 13 has provided personal information to us without the requisite and verifiable parental consent,
we will delete that information from the Services as quickly as is reasonably practical.
11. TERM AND TERMINATION
These 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 YOUR ACCOUNT AND 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.
12. MODIFICATIONS AND INTERRUPTIONS
We 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.
13. GOVERNING LAW
These Legal Terms are governed by and interpreted following the laws of England and Wales, and the use of the United Nations
Convention of Contracts for the International Sales of Goods is expressly excluded. If your habitual residence is in the EU,
and you are a consumer, you additionally possess the protection provided to you by obligatory provisions of the law in your
country to residence. finbound.org and yourself both agree to submit to the non-exclusive jurisdiction of the courts of
__________, which means that you may make a claim to defend your consumer protection rights in
regards to these Legal Terms in England, or in the EU country in which you reside.
14. DISPUTE RESOLUTION
Informal Negotiations
To 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 (except those Disputes expressly provided below) informally for
at least thirty (30) days before initiating arbitration. Such informal negotiations commence upon written notice from one
Party to the other Party.
Binding Arbitration
Any dispute arising from the relationships between the Parties to these Legal Terms shall be determined by one arbitrator
who will be chosen in accordance with the Arbitration and Internal Rules of the European Court of Arbitration being part of
the European Centre of Arbitration having its seat in Strasbourg, and which are in force at the time the application for
arbitration is filed, and of which adoption of this clause constitutes acceptance. The seat of arbitration shall be London,
United Kingdom. The language of the proceedings shall be english. Applicable rules of substantive law shall be the law of
the United Kingdom.
Restrictions
The Parties agree that any arbitration shall be limited to the Dispute between the Parties individually. To the full 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 utilise 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 Arbitration
The Parties agree that the following Disputes are not subject to the above provisions concerning informal negotiations 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, piracy, invasion of privacy, or
unauthorised 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.
15. CORRECTIONS
There may be information on the Services that contains typographical errors, inaccuracies, or omissions, including descriptions,
pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions
and to change or update the information on the Services at any time, without prior notice.
16. DISCLAIMER
THE SERVICES ARE PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SERVICES WILL BE AT YOUR SOLE
RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SERVICES
AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR
PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SERVICES'
CONTENT OR THE CONTENT OF ANY WEBSITES OR MOBILE APPLICATIONS LINKED TO THE SERVICES AND WE WILL ASSUME NO LIABILITY OR
RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY
DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE SERVICES, (3) ANY UNAUTHORISED ACCESS TO OR
USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (4) ANY
INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SERVICES, (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH
MAY BE TRANSMITTED TO OR THROUGH THE SERVICES BY ANY THIRD PARTY, AND/OR (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND
MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR
OTHERWISE MADE AVAILABLE VIA THE SERVICES. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT
OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SERVICES, ANY HYPERLINKED WEBSITE, OR ANY WEBSITE OR MOBILE
APPLICATION FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND WE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR
MONITORING ANY TRANSACTION BETWEEN YOU AND ANY THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE PURCHASE OF A
PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGEMENT AND EXERCISE CAUTION
WHERE APPROPRIATE.
WITHOUT LIMITING THE FOREGOING, FINTELLIGENCE, THE APPLICATION TOOLS, AND THE PREPARATION FEATURES ARE PROVIDED FOR GENERAL
PREPARATION PURPOSES ONLY. WE DISCLAIM ANY WARRANTY THAT CONTENT, RECOMMENDATIONS, OR AI-ASSISTED OUTPUTS WILL BE ERROR-FREE,
CURRENT, EMPLOYER-ACCEPTABLE, OR FIT FOR ANY PARTICULAR APPLICATION OR INTERVIEW. ANY SCORES, READINESS METRICS, TRANSCRIPTS,
TEST RESULTS, OR FEEDBACK ARE INDICATIVE ONLY AND DO NOT PREDICT RECRUITER, ASSESSMENT, OR EMPLOYER DECISIONS. YOU ASSUME ALL
RISK ARISING FROM YOUR USE OF THE SERVICES IN REAL APPLICATIONS, ASSESSMENTS, INTERVIEWS, OR HIRING PROCESSES.
17. LIMITATIONS OF LIABILITY
IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT,
CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA,
OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS
OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO US DURING THE THREE (3)
MONTH PERIOD PRIOR TO ANY CAUSE OF ACTION ARISING. CERTAIN US STATE LAWS AND INTERNATIONAL LAWS DO NOT ALLOW LIMITATIONS
ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE
ABOVE DISCLAIMERS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.
18. INDEMNIFICATION
You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective
officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including
reasonable attorneys’ fees and expenses, made by any third party due to or arising out of: (1) your Contributions; (2)
use of the Services; (3) breach of these Legal Terms; (4) any breach of your representations and warranties set forth
in these Legal Terms; (5) your violation of the rights of a third party, including but not limited to intellectual property
rights; (6) any overt harmful act toward any other user of the Services with whom you connected via the Services; or
(7) any application, CV, cover letter, video response, interview answer, assessment response, or other material you submit to
an employer, university, recruiter, or other third party that was created, edited, assisted, or informed by the Application
Tools or Preparation Features.
Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defence and control of any
matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defence of
such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject
to this indemnification upon becoming aware of it.
19. USER DATA
We will maintain certain data that you transmit to the Services for the purpose of managing the performance of the Services,
as well as data relating to your use of the Services. Although we perform regular routine backups of data, you are solely
responsible for all data that you transmit or that relates to any activity you have undertaken using the Services. You
agree that we shall have no liability to you for any loss or corruption of any such data, and you hereby waive any right
of action against us arising from any such loss or corruption of such data.
20. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES
Visiting the Services, sending us emails, and completing online forms constitute electronic communications. You consent to
receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide
to you electronically, via email and on the Services, satisfy any legal requirement that such communication be in writing.
YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF
NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SERVICES. You hereby waive any rights
or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an
original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any
means other than electronic means.
21. CALIFORNIA USERS AND RESIDENTS
If any complaint with us is not satisfactorily resolved, you can contact the Complaint Assistance Unit of the Division of
Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112,
Sacramento, California 95834 or by telephone at (800) 952-5210 or (916) 445-1254.
22. MISCELLANEOUS
These Legal Terms and any policies or operating rules posted by us on the Services or in respect to the Services constitute
the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these
Legal Terms shall not operate as a waiver of such right or provision. These Legal Terms operate to the fullest extent permissible
by law. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable
for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part
of a provision of these Legal Terms is determined to be unlawful, void, or unenforceable, that provision or part of the
provision is deemed severable from these Legal Terms and does not affect the validity and enforceability of any remaining
provisions. There is no joint venture, partnership, employment or agency relationship created between you and us as a result
of these Legal Terms or use of the Services. You agree that these Legal Terms will not be construed against us by virtue
of having drafted them. You hereby waive any and all defences you may have based on the electronic form of these Legal Terms
and the lack of signing by the parties hereto to execute these Legal Terms.
23. CONTACT US
In order to resolve a complaint regarding the Services or to receive further information regarding use of the Services,
please contact us at:
contact@finbound.org