TERMS AND CONDITIONS

These Terms and Conditions (the “Terms”) govern access to and use of the website operated by ADD SALE, including any pages, tools, features, interfaces, questionnaires, provider selection or comparison functions, request and contact forms, content materials, account areas and any other online functionality made available by ADD SALE from time to time (together, the “Platform”), as well as any services provided through the Platform (the “Service”).

By accessing, browsing or using any part of the Platform, you confirm that you have read and understood these Terms and that you agree to be bound by them. If you do not agree, you must immediately discontinue use of the Platform.

1. About ADD SALE

For the purposes of these Terms, “ADD SALE”, “we”, “us” and “our” means Sabiedrība ar ierobežotu atbildību “ADD sale”, a company incorporated under the laws of the Republic of Latvia with registration number 40103822268 and legal address at Burtnieku iela 36–1, Riga, LV-1084, Latvia.

The Company’s contact details and communication channels (including general enquiries, privacy matters and complaints) are published on the Platform and may be updated from time to time.

2. Purpose of the Platform and the nature of the Service

ADD SALE operates as a commercial intermediary and business partner that facilitates access to payment and finance-related products and services offered by independent third-party financial institutions and providers, including banks, acquirers, issuers, payment gateways and other payment service providers (each a “Provider” and together, the “Providers”). The Platform is designed to help business users identify, compare and connect with Providers that may be relevant to their stated needs.

The Platform is an information and facilitation tool. It does not constitute, and must not be treated as, financial advice, legal advice, compliance advice, tax advice, investment advice, or any other professional advice. Any content on the Platform is provided for general information purposes only. Nothing on the Platform constitutes a recommendation, endorsement, certification, guarantee, or approval of any Provider, product, service, commercial term, acceptance outcome, onboarding timeline, technical performance or regulatory status.

ADD SALE is not a bank, payment institution, electronic money institution, acquirer, issuer, processor, broker, auditor, law firm, regulator, or any other regulated financial services provider. ADD SALE does not provide payment processing, acquiring, issuing, settlement, safeguarding of funds, custody, or any regulated activity, and ADD SALE does not receive, hold or handle customer funds.

If you decide to proceed with any Provider, you will enter into a contractual relationship directly with that Provider and any other third parties involved in that arrangement. The Provider’s own terms, policies, onboarding and underwriting criteria, pricing, risk decisions, compliance requirements and service delivery will apply. ADD SALE is not a party to those contracts and is not responsible for the Provider’s decisions, actions or omissions.

For the avoidance of doubt, ADD SALE does not act as your agent, representative or fiduciary, and is not authorised to make any commitments, representations or warranties on your behalf or on behalf of any Provider. Any commercial, technical, compliance, onboarding or contractual decisions are made solely by you and the relevant Provider(s). ADD SALE may have direct commercial arrangements with certain Providers to enable introductions and cooperation.

3. Eligibility and authority

The Platform is intended for business users and authorised representatives acting on behalf of a business or other legal entity. By using the Platform, you represent and warrant that you are acting for business purposes and that you have the legal authority to bind the entity you represent to these Terms.

We may restrict access to certain features or require additional information where we reasonably consider this necessary for security, integrity of the Platform, fraud prevention, risk management, or compliance purposes.

4. Your responsibilities when using the Platform

You agree to use the Platform lawfully, responsibly and in good faith. You must ensure that all information you submit through the Platform is accurate, complete and not misleading. You must promptly update information if it becomes inaccurate or incomplete.

Where you provide personal data of individuals, including contact persons, directors, shareholders or employees, you represent and warrant that you have a lawful basis and authority to provide such data to ADD SALE for the purposes of the Service, including for onward sharing with Providers where you request contact or submission of an enquiry.

If the Platform provides login credentials or account access, you are responsible for maintaining the confidentiality of your credentials and for all activity occurring under your account. You must immediately notify ADD SALE if you suspect unauthorised access or a security incident.

5. Prohibited conduct and misuse

You must not use the Platform in any manner that may compromise its security, availability or integrity. You must not attempt to gain unauthorised access to any systems or data, interfere with the Platform’s operation, or introduce malicious code, viruses or harmful components.

You must not scrape, crawl, harvest, copy, extract, index or otherwise systematically use content or data from the Platform for any purpose, including creating competing products or services, training models, building databases, or redistribution, unless you have our prior written consent.

You must not submit requests, enquiries or leads on behalf of third parties without their authorisation. You must not use the Platform to send spam, unsolicited communications, or to engage in abusive, deceptive, fraudulent or unlawful conduct. You must not use the Platform in a manner that may expose ADD SALE, any Provider or any other third party to legal, regulatory, financial or reputational risk.

ADD SALE may, at its sole discretion and without liability, suspend or terminate access to the Platform, restrict functionality, refuse processing of submissions, or take other reasonable measures where we believe that prohibited conduct has occurred or where such action is necessary to protect the Platform, Providers, users or ADD SALE.

6. How matching and comparisons work; limitations of outputs

Any matching, comparison, ranking, display or output generated through the Platform is based on information that you provide, information obtained from Providers, and other sources that may be available to us. You acknowledge that the payments and fintech market changes rapidly and that Provider information may be incomplete, outdated or subject to change without notice. Providers may update their pricing, acceptance criteria, risk policies, supported markets, technical requirements, settlement terms, compliance requirements and availability at any time.

Accordingly, outputs may not include all Providers in the market, may not reflect all available products, may not reflect the latest Provider terms, and may not be suitable for your specific circumstances. You remain solely responsible for verifying all relevant information, conducting due diligence, obtaining professional advice where appropriate, and making independent decisions.

Where the Platform displays Providers in a particular order, or applies labels, highlights, filters or categories, any presentation, ordering or highlighting of Providers may depend on relevance to your inputs, your selected filters, availability and completeness of data, technical compatibility, geography, product scope, and other operational factors. Where ADD SALE receives compensation from certain Providers, this may constitute a business relationship; however, ADD SALE does not sell “rankings” as such and any paid or sponsored placements (if used) will be clearly identified as such on the Platform.

7. Provider engagement; no guarantee of outcomes

ADD SALE may facilitate contact between you and Providers by forwarding your enquiry to Providers or enabling Providers to contact you using the details you provided. ADD SALE does not guarantee that you will be matched with any Provider, that any Provider will respond, that any Provider will accept you, that any quote will be issued, or that any quote will be issued on specific terms.

Providers may decline, delay or impose conditions on onboarding, request additional documentation, change their terms, restrict services or terminate services at their sole discretion. ADD SALE has no control over Provider decisions and assumes no responsibility for them.

8. Fees and commercial relationships

Use of the Platform may be free of charge for users. ADD SALE may, however, receive compensation from certain Providers and/or other third parties, including where a user establishes a business relationship with a Provider following a request or introduction made through the Platform, or where ADD SALE provides commercial intermediation services to Providers. Such compensation does not constitute a recommendation, endorsement or guarantee of any Provider or its services. Further information about our commercial relationships and how we maintain transparency is published on the Platform.

9. Intellectual property and permitted use of content

The Platform, including its structure, design, databases, software, content and materials created by or for ADD SALE, is protected by intellectual property and other proprietary rights. Subject to these Terms, ADD SALE grants you a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform solely for its intended business purpose.

You must not reproduce, copy, modify, adapt, translate, publish, distribute, publicly display, create derivative works from, sell, licence, rent, lease, transfer or otherwise exploit any part of the Platform or its content without ADD SALE’s prior written consent, except to the extent permitted by mandatory law.

Provider names, logos and trademarks displayed on the Platform belong to their respective owners and are used for identification purposes only. No licence or right in relation to any Provider branding is granted to you.

10. Third-party websites and materials

The Platform may include links to third-party websites or materials. ADD SALE does not control third-party websites and is not responsible for their content, security, availability or practices. Any access to third-party websites is at your own risk and subject to the third party’s terms and policies.

11. Privacy and cookies

ADD SALE processes personal data in accordance with its Privacy Policy and Cookie Policy, which are made available on the Platform. By using the Platform, you acknowledge that your personal data may be processed as described in those policies.

12. Disclaimers

To the maximum extent permitted by applicable law, the Platform and the Service are provided on an “as is” and “as available” basis. ADD SALE makes no warranties of any kind, whether express, implied or statutory, including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, availability or security.

ADD SALE does not warrant that the Platform will be uninterrupted, error-free, free of harmful components, or compatible with your devices or systems. You acknowledge that any reliance on the Platform or its outputs is at your own discretion and risk.

For the avoidance of doubt, you agree that you will not rely on any statement, content, output, comparison, ranking, or other information provided via the Platform as the sole basis for any business, financial or compliance decision. Any decision to engage a Provider, and any resulting contractual or operational relationship, is made at your own discretion and risk.

13. No reliance; business decisions

You acknowledge and agree that you do not rely on the Platform as a substitute for your own assessment, due diligence and professional advice. Any decision to engage, integrate with or contract with a Provider (including decisions relating to pricing, compliance, risk, onboarding, technical integration, chargebacks, fraud and operational processes) is made at your sole discretion and risk.

14. Limitation of liability

To the maximum extent permitted by law, ADD SALE shall not be liable for any indirect, incidental, special, consequential or punitive damages, including any loss of profit, revenue, business opportunities, goodwill, anticipated savings, business interruption, loss of data, or reputational harm, arising out of or in connection with the Platform, the Service or these Terms, even if ADD SALE has been advised of the possibility of such damages.

All limitations and exclusions in these Terms apply regardless of the legal theory of liability and even if any remedy fails of its essential purpose.

Without limiting the foregoing, ADD SALE shall not be liable for any loss or damage arising from Provider decisions, Provider onboarding or underwriting, Provider service performance or failures, chargebacks, fraud, pricing changes, regulatory or compliance actions taken by Providers, account restrictions or terminations imposed by Providers, delays, outages, or any dispute between you and any Provider.

Where liability cannot be excluded under applicable law, ADD SALE’s total aggregate liability for all claims arising out of or in connection with the Platform, the Service or these Terms shall be limited to one hundred euros in total. This cap applies to the fullest extent permitted by law and is cumulative for all claims, whether in contract, tort (including negligence), statutory duty or otherwise.

Nothing in these Terms excludes or limits liability to the extent it cannot be excluded or limited under applicable law, including liability for intent or gross negligence where such exclusion is prohibited.

To the maximum extent permitted by law, any claim arising out of or in connection with the Platform, the Service or these Terms must be brought within twelve (12) months from the date when the event giving rise to the claim occurred.

15. Indemnity

You agree to indemnify, defend and hold harmless ADD SALE, its directors, officers, employees and contractors from and against any and all claims, liabilities, damages, losses, costs and expenses, including reasonable legal fees, arising out of or relating to your use of the Platform, your submitted information, your breach of these Terms, your violation of applicable law or third-party rights, or your dealings or disputes with Providers or other third parties connected to your use of the Platform.

16. Suspension, termination and modifications

You may stop using the Platform at any time. ADD SALE may suspend or terminate your access to the Platform, in whole or in part, at any time and without liability, where ADD SALE reasonably considers such action necessary for security, legal, operational, risk-management or misuse-prevention reasons, or where you breach these Terms.

ADD SALE may modify, update, discontinue or withdraw any part of the Platform or Service at any time. ADD SALE may update these Terms by publishing an updated version on the Platform. Your continued use of the Platform after publication of changes constitutes acceptance of the updated Terms. Any updated version of these Terms becomes effective upon publication on the Platform.

17. Severability, entire agreement and no waiver

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. These Terms constitute the entire agreement between you and ADD SALE regarding your use of the Platform and supersede any prior discussions or understandings relating to the Platform.

Any failure or delay by ADD SALE to enforce any provision shall not constitute a waiver of that provision or any other provision.

ADD SALE may assign or transfer its rights and obligations under these Terms to an affiliate or successor in connection with a reorganisation, merger, or sale of business. You may not assign your rights or obligations without ADD SALE’s prior written consent.

18. Notices

Any notice or communication under these Terms may be sent by email or via the Platform using the contact details made available by you. Notices sent by email will be deemed received at the time of sending (or, if sent outside business hours, at the start of the next business day).

19. Force majeure

ADD SALE shall not be liable for any failure or delay in performance to the extent caused by events beyond its reasonable control, including outages of networks or third-party services, acts of authorities, sanctions, war, civil unrest, natural disasters, or similar events.

20. Governing law and jurisdiction

These Terms, and any dispute or claim arising out of or in connection with these Terms, the Platform or the Service, including any non-contractual disputes or claims, shall be governed by and construed in accordance with the laws of the Republic of Latvia.

The courts of the Republic of Latvia shall have exclusive jurisdiction. The parties agree that the place of proceedings shall be Riga, Latvia, unless mandatory law provides otherwise.