Terms Of Use and Conditions of Faydety

Faydety Terms of Use

These Terms of Use, together with Faydety’s Privacy Policy, set forth the terms and conditions (“Terms”) that apply to your access and use of all Faydety products and services (together, the “Faydety Services” or “Services and/or Products”), that are made available through our websites including but not limited to www.faydety.com and www.faydetyinsurance.com as well as through the downloadable mobile application (if available) (together, the “Site”). “Faydety” includes Faydety Technology Solutions LLC and Faydety Insurance Brokerage S.A.E. and its officers, directors, employees, consultants, affiliates, subsidiaries, and agents. The Faydety Services may include, but are not limited to, credit score; access to third party service providers; platforms that enable users to locate and contact financial services, and platforms that enable users to apply to pre-qualify for certain credit card or loan offers or insurance products and services.

By using or accessing the Faydety Services you acknowledge and agree to these Terms, as updated from time to time in accordance with Section 8 below. Because Faydety provides a wide range of services, we may ask you to review and accept supplemental terms that apply to your interaction with a specific product or service.

To use some of the Services, you may need to provide information to third parties. For more information, see our Privacy Policy.

1. Registration and Account Security. To use the Services you must (i) be at least sixteen (16) years or eighteen years of age (as the case may be); (ii) have not previously been suspended or removed from the Services; and (iii) register for and use the Services in compliance with any and all applicable laws and regulations.

a) Account Registration. To access some features of the Services, you may be required to register for an account. When you register for an account, we may ask you to give us certain identifying information about yourself, including but not limited to your email address and other contact information, and to create a user-name and password (“Registration Information”). When registering for and maintaining an account, you agree to provide true, accurate, current, and complete information about yourself. You also agree not to impersonate anyone, misrepresent any affiliation with anyone else, use false information, or otherwise conceal your identity from Faydety for any purpose.

b) You Are Responsible for Your Account. You are solely responsible for maintaining the confidentiality and security of your password and other Registration Information. For your protection and the protection of other users, we ask you not to share your Registration Information with anyone else. If you do share this information with anyone, we will consider their activities to have been authorized by you.

2. Specific Requirements for Certain Services. Your use of the Services constitutes your acknowledgment and acceptance of the following specific requirements and terms of use for certain of the Faydety Services.

a) Credit Score (i-score). Faydety may provide members with access to their credit score and report (“i-Score”). In order to access your i-Score you must provide Faydety the following credit pull authorization:

i. I hereby authorize Faydety and its wholly-owned subsidiaries to periodically obtain and use consumer reports about me in order to provide me with: (1) access to my i-score, including periodic updates to my i-score; and (2) recommendations regarding financial products and services that may be of interest to me, including credit cards, personal loans, home loans and other financial products and services offered by Faydety and third party service providers.

3. Third Party Services.

a) Advice from Third Parties. Some of the Services involve content and products from third parties. You agree that Faydety is not liable for any advice, service or product provided by third parties. You agree that you are responsible for your own financial research and financial decisions and that Faydety is not responsible or liable for any decisions or actions you take or authorize third parties to take on your behalf based on the information you receive as a user of Faydety.

b) Sharing Information with Third Parties. To use some of the Services, you may need to provide information such as credit card numbers, bank account numbers, and other sensitive financial information, to third parties. By using the Services, you agree that Faydety may collect, store, and transfer such information on your behalf, and at your sole request. More information is available in our Privacy Policy. You agree that your decision to make available any sensitive or confidential information is your sole responsibility and at your sole risk. Faydety has no control and makes no representations as to the use or disclosure of information provided to third parties. You agree that these third party services are not under Faydety’s control and that Faydety is not responsible for any third party’s use of your information.

c) Faydety Does Not Endorse Third Parties. The Services may contain links to third party websites and services. Faydety provides such links as a convenience and does not control or endorse these websites and services. You acknowledge and agree that Faydety has not reviewed the content, advertising, products, services, or other materials that appear on such third party websites or services, and is not responsible for the legality, accuracy, or appropriateness of any such content, and shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of any such third party websites or services.

4. Prohibited Conduct. You agree not to:

a) Use the Services for any illegal purpose, or in violation of any law or regulation;

b) Violate or encourage others to violate the rights of third parties, including intellectual property rights;

c) Post, upload, or distribute any content that is unlawful, defamatory, inaccurate or that a reasonable person could deem to be objectionable, disrespectful, indecent, pornographic, harassing, threatening, hateful, or otherwise inappropriate;

d) Interfere in any way with security-related features of the Services;

e) Interfere with the operation or any user’s enjoyment of the Services, including by uploading or otherwise disseminating viruses, adware, spyware, worms, or other malicious code, making unsolicited offers or advertisements to other users, or attempting to collect personal information about users or third parties without their consent;

f) Access, monitor or copy any content or information of the Site using any robot, spider, scraper, or other automated means or any manual process for any purpose without Faydety’s express written permission;

g) Perform any fraudulent activity, including impersonating any person or entity, claiming false affiliations, accessing the accounts of other users without permission, or falsifying your identity or any information about you, including age or date of birth; or

h) Sell or otherwise transfer the access granted herein.

5. Intellectual Property and User Content. Faydety and the Faydety Services are protected by applicable copyright and other intellectual property laws, and no materials from the Services may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way without our express permission. All trademarks and service marks on the Services belong to Faydety, except third-party trademarks or service marks, which are the property of their respective owners. You represent and warrant that you own or otherwise have the right to use any content you post to the Services.

6. Indemnification. You agree that you will be personally responsible for your use of the Services, and you agree to defend, indemnify, and hold harmless Faydety, its officers, directors, employees, consultants, affiliates, subsidiaries, and agents from and against any and all claims, liabilities, damages, losses, and expenses (including attorneys’ and accounting fees and costs), arising out of or in any way connected with (i) your access to, use of, or alleged use of the Services; (ii) your violation of the Terms or any applicable law or regulation; (iii) your violation of any third party right, including without limitation any intellectual property right, publicity, confidentiality or property right; or (iv) any disputes or issues between you and any third party. Faydety reserves the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and in such case, you agree to cooperate with our defense of such claim.

7. Termination. If you violate these Terms, your permission to use the Services will automatically terminate. In addition, Faydety in its sole discretion may suspend or terminate your user account and/or suspend or terminate some or all of your access to the Services at any time, with or without notice to you. You may terminate your account at any time by contacting Faydety’s Customer Service. After your account is terminated, information and content previously provided by you will no longer be accessible through your account. You explicitly acknowledge and agree that Faydety may continue to store such information and content for your future use and it may also be stored by third parties to whom it has been transferred through your use of the Services.

8. Modification of the Terms. Faydety reserves the right at any time to modify these Terms and to impose new or additional terms or conditions on your use of the Services. Such modifications and additional terms and conditions will be effective immediately and incorporated into these Terms. Your continued use of the Services following notice will be deemed acceptance of any modifications to the Terms.

9. Disclaimers of Warranties. The Services are provided “as is” and on an “as available” basis, without warranty or condition of any kind, either express or implied. Although Faydety seeks to maintain safe, secure, accurate, and well-functioning services, we cannot guarantee the continuous operation of or access to our Services, and there may at times be inadvertent technical or factual errors or inaccuracies.

a) No Warranties. Faydety specifically (but without limitation) disclaims (i) any implied warranties of merchantability, fitness for a particular purpose, quiet enjoyment, or non-infringement; and (ii) any warranties arising out of course-of-dealing, usage, or trade. You assume all risk for any/all damages that may result from your use of or access to the Services. Faydety is not responsible for the loss of, damage to, or unavailability of any information you have made available through the Services, and you are solely responsible for ensuring that you have backup copies of any information you have made available through the Services.

b) No Guarantee Of Accuracy. Faydety does not guarantee the accuracy of and disclaims all liability for, any errors or other inaccuracies in the information, content, recommendations, and materials made available through the Services.

Faydety makes no representation that information and materials included in the Services are appropriate or available for use in other locations.

c) Services Provided For Informational Purposes. The information provided through the Services is provided solely for informational or educational, purposes. Faydety is not a financial institution or an insurance agency or provider. Faydety makes no representations, warranties, or guarantees, express or implied, regarding the results or savings that may be obtained through the use of the Services. Before making any financial decisions or implementing any financial strategy, including recommendations of third parties identified through the Services, Faydety recommends that you obtain additional information and advice from accountants or other financial advisors who are fully aware of your individual circumstances.

d) No Warranties Regarding Third Parties. Faydety makes no representations, warranties, or guarantees, express or implied, regarding any third party service or advice provided by a third party or any quotes or offers provided through the Services. Faydety does not endorse any third party. Faydety acts solely as an intermediary between you and third party service providers and expressly disclaim any and all liability for any content, products, or services provided by such service providers

10. Limitation of Liability. In no event will Faydety be liable to you for any incidental, special, consequential, direct, indirect, or punitive damages, whether based on warranty, contract (including negligence), statute, or any other legal theory, whether or not Faydety has been informed of the possibility of such damage.

11. Governing Law. These Terms are governed by the laws of Egypt.

12. Dispute Resolution. You and Faydety agree to submit to the exclusive jurisdiction of the competent courts of Egypt for the purpose of litigating all such disputes.

13. Modification of the Services. Faydety reserves the right to modify or discontinue, temporarily or permanently, some or all of the Services at any time without any notice or further obligation to you. You agree that Faydety will not be liable to you or to any third party for any modification, suspension, or discontinuance of any of the Services.

14. General.

a) Entire Agreement. These Terms, together with the Privacy Policy constitute the entire and exclusive understanding and agreement between you and Faydety regarding your use of and access to the Services.

b) No Waiver. The failure to require performance of any provision shall not affect our right to require performance at any time thereafter, nor shall a waiver of any breach or default of the Terms constitute a waiver of any subsequent breach or default or a waiver of the provision itself.

c) Paragraph Headers. Use of paragraph headers in the Terms is for convenience only and shall not have any impact on the interpretation of particular provisions.

d) Severability. In the event that any part of the Terms is held to be invalid or unenforceable, the unenforceable part shall be given effect to the greatest extent possible and the remaining parts will remain in full force and effect.

e) Third Party Terms. In some instances, Faydety’s third party service providers require that Faydety users agree to be bound by some additional terms of use that are specific to particular products or services (“Third Party Terms”). In the event of any conflict between the Third Party Terms and Faydety’s Terms of Use, Faydety’s Terms of Use govern and prevail.