Terms of Use and Privacy Policy for HelpBnk.com and App.HelpBnk.com

Effective Date: 27.04.23

Please read these Terms of Use and Privacy Policy ("Terms") carefully before using the App.HelpBnk.com website (the "Website") and any services provided by HelpBnk ("HelpBnk," "we," "us," or "our"). By accessing or using the Website, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Website.

1. Acceptance of Terms;

• By using the Website, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as any additional terms and conditions provided by HelpBnk that govern specific services, features, or functionalities.



2. User Eligibility;

• You must have the legal capacity to enter into a binding agreement in your jurisdiction to use the Website. By accessing or using the Website, you represent and warrant that you meet the eligibility requirements.



3. Use of the Website

a. License: HelpBnk grants you a limited, non-exclusive, non-transferable, and revocable license to access and use the Website in accordance with these Terms.

b. Prohibited Activities: You agree not to engage in any activities that may:

* Violate any applicable laws, regulations, or third-party rights.

* Interfere with or disrupt the operation or security of the Website.

* Use the Website for any unauthorized or illegal purposes.

* Collect or harvest any information from the Website without our prior written consent.

c. User Account: In order to access certain features of the Website, you may be required to create a user account. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

4. Intellectual Property;

a. Ownership: All intellectual property rights in the Website, including but not limited to text, graphics, logos, icons, images, audio clips, video clips, data compilations, and software, are owned by HelpBnk or its licensors.

b. License Grant: Subject to these Terms, HelpBnk grants you a limited, non-exclusive, non-transferable, and revocable license to use the intellectual property solely for your personal, non-commercial use in connection with the Website.

c. Restrictions: You agree not to modify, distribute, reproduce, publicly display, or create derivative works based on the intellectual property unless expressly permitted by HelpBnk in writing.



5. Privacy;

a. Information Collection: We respect your privacy and are committed to protecting your personal information. When you use the Website, we may collect certain information about you. Our Privacy Policy explains how we collect, use, and disclose information. By using the Website, you consent to the collection and use of your information as described in the Privacy Policy.

b. Data Usage: We may use the information we collect to provide and improve our services, personalize your experience, communicate with you, and comply with legal obligations. We may also share your information with third-party service providers as necessary to perform services on our behalf.

c. Security Measures: We take reasonable steps to protect your information from unauthorized access or disclosure. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.



6. Disclaimer of Warranties;

• The Website and its content are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied. HelpBnk disclaims all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

7. Limitation of Liability;

a. To the maximum extent permitted by applicable law, HelpBnk, its affiliates, officers, directors, employees, agents, and suppliers shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or use, arising out of or in connection with your use of the Website or any services provided by HelpBnk. This limitation of liability applies regardless of the legal theory on which the claim is based, whether in contract, tort (including negligence), strict liability, or otherwise, and even if HelpBnk has been advised of the possibility of such damages.

b. You agree that HelpBnk shall not be responsible or held liable for any delays, disruptions, or failures in the Website's operation or any consequences thereof, including but not limited to technical malfunctions, interruptions, or unauthorized access to or alteration of user communications or data.

8. User Help Disclaimer:

a. The assistance, guidance, or information provided by users on the HelpBnk platform, including through discussions, comments, or any other form of communication, is not to be considered or relied upon as professional advice. Users on the platform may share their opinions, experiences, or suggestions, but HelpBnk does not endorse or guarantee the accuracy, completeness, or reliability of such user-generated content.

b. You understand and acknowledge that any reliance on user-generated content is at your own risk. It is recommended to independently verify and assess the information received from other users or seek professional advice when appropriate before making any decisions or taking any actions based on the information provided on the platform.

c. HelpBnk shall not be held liable for any consequences or damages arising from the use or reliance on user-generated content. Users are solely responsible for their own statements, advice, or actions on the platform, and HelpBnk disclaims any responsibility or liability for such user conduct.

d. By using the HelpBnk platform, you agree to release HelpBnk from any claims, demands, or damages, whether known or unknown, arising out of or in any way connected with user-generated content or interactions on the platform.

e. This user help disclaimer is an integral part of the Terms and applies to all users of the HelpBnk platform.