Updated on 08/05/2023

General Terms

By accessing and placing an order with Bankidu, you confirm that you agree to and are bound by the terms of service contained in the Terms and Conditions described below. These terms apply to the entire website and any email or other type of communication between you and Bankidu.

Under no circumstances shall the Bankidu team be liable for any direct, indirect, special, incidental, or consequential damages, including, among others, data loss or profit loss arising from the use or inability to use the materials on this site, even if the Bankidu team or an authorized representative has been advised of the possibility of such damages. If your use of materials from this site results in the need for servicing, repair, or correction of equipment or data, you assume the costs thereof.

Bankidu shall not be liable for any outcomes that may occur during the course of using our resources. We reserve the right to change prices and revise the resource usage policy at any time.

License

Bankidu grants you a revocable, non-exclusive, non-transferable, limited license to download, install, and use the platform strictly in accordance with the terms of this Agreement.

These Terms and Conditions are a contract between you and Bankidu (referred to in these Terms and Conditions as "Bankidu," "we," or "our"), the provider of the Bankidu website and services accessible from the Bankidu website (collectively referred to in these Terms and Conditions as the "Bankidu Service").

You agree to be bound by these Terms and Conditions. If you do not agree to these Terms and Conditions, do not use the Bankidu Service. In these Terms and Conditions, "you" refers to both you as an individual and the entity you represent. If you violate any of these Terms and Conditions, we reserve the right to terminate your account or block access to your account without prior notice.

Definitions and Key Terms

To help explain things as clearly as possible in these Terms and Conditions, every time any of these terms are referenced, they are strictly defined as follows:

Cookie: A small amount of data generated by a website and saved by your web browser. It is used to identify your browser, provide analytics, remember information about you, such as your language preference or login information.

Company: When these Terms and Conditions mention "Company," "we," "us," or "our," it refers to Bankidu, which is responsible for your information under these Terms and Conditions.

Platform: Bankidu's publicly-facing internet website, web application, or digital application.

Country: Where Bankidu or the owners/founders of Bankidu are based, in this case, Spain.

Device: Any internet-connected device, such as a phone, tablet, computer, or any other device that can be used to visit Bankidu and use the services.

Service: Refers to the service provided by Bankidu as described in the terms relative (if available) and on this platform.

Third-Party: Refers to advertisers, contest sponsors, promotional and marketing partners, and others who provide our content or whose products or services we believe may interest you.

Website: Bankidu's site, which can be accessed via this URL: [insert URL].

You: A person or entity that is registered with Bankidu to use the Services.

Restrictions

You agree not to do any of the following, and you shall not permit others:

License, sell, rent, lease, assign, distribute, transmit, host, outsource, disclose, or commercially exploit the platform or make the platform available to any third party.

Modify, make derivative works of, disassemble, decrypt, reverse compile, or reverse engineer any part of the platform.

Remove, alter, or obscure any copyright, trademark, or other proprietary notices from any of the platform's affiliates, partners, suppliers, or licensors.

Return and Refund Policy

Thank you for shopping at Bankidu. We appreciate that you like to buy the things we build. We also want to ensure you have a rewarding experience while you explore, evaluate, and purchase our products.

Just like with any shopping experience, there are terms and conditions that apply to transactions at Bankidu. We'll be as brief as our attorneys allow. The main thing to remember is that by placing an order or making a purchase at Bankidu, you agree to the terms set forth along with Bankidu's Privacy Policy.

If for any reason you are not completely satisfied with any goods or services provided by us, please feel free to contact us, and we will discuss any issues you are experiencing with our product.

Your Suggestions

Any feedback, comments, ideas, improvements, or suggestions (collectively, "Suggestions") that you provide to Bankidu regarding the platform shall remain the sole and exclusive property of Bankidu.

Bankidu shall be free to use, copy, modify, publish, or redistribute the Suggestions for any purpose and in any way without any credit or compensation to you.

Your Consent

We have updated our Terms and Conditions to provide you with full transparency regarding what is set out when you visit our site and how it is used. By using our platform, registering an account, or making a purchase, you hereby consent to our Terms and Conditions.

Links to Other Websites

These Terms and Conditions apply only to the Services. The Services may contain links to other websites that Bankidu does not operate or control. We are not responsible for the content, accuracy, or opinions expressed on such websites, and such websites are not investigated, monitored, or checked for accuracy or completeness by us. Remember that when you use a link to go from the Services to another website, these Terms and Conditions are no longer in effect. Your browsing and interaction on any other website, including those that have a link on our platform, are subject to that website's own rules and policies. Those third parties may use their own cookies or other methods to collect information about you.

Cookies

Bankidu uses "cookies" to identify the areas of our website that you have visited. A cookie is a small piece of data stored on your computer or mobile device. We use cookies to enhance the performance and functionality of our platform but are non-essential to your use. However, without these cookies, certain features, such as videos, may not be available, or you may be required to enter your login details each time you visit the platform, as we would not be able to remember that you have logged in previously. Most web browsers can be set to disable the use of cookies. However, if you disable cookies, you may not be able to access the functionality of our website correctly or at all. We do not place personally identifiable information in cookies.

Changes to Our Terms and Conditions

You acknowledge and agree that Bankidu may stop (permanently or temporarily) providing the Service (or any features within the Service) to you or to users generally, at Bankidu's sole discretion, without prior notice. You may stop using the Service at any time. You do not need to specifically inform Bankidu when you stop using the Service. You acknowledge and agree that if Bankidu disables access to your account, you may be prevented from accessing the Service, your account details, or any files or other materials contained in your account.

If we decide to make changes to our Terms and Conditions, we will post those changes on this page and/or update the modification date of the Terms and Conditions below.

Platform Updates

Bankidu may, from time to time, provide enhancements or improvements to the features/functionality of the platform, which may include patches, bug fixes, updates, enhancements, and other modifications ("Updates").

Updates may modify or delete certain features and/or functionalities of the platform. You agree that Bankidu has no obligation to (i) provide Updates or (ii) continue to provide or enable any particular features and/or functionalities of the platform.

Additionally, you agree that all Updates (i) will be deemed part of the platform and (ii) shall be subject to the terms and conditions of this Agreement.

Third-Party Services

We may display, include, or make available third-party content (including data, information, applications, and other products services) or provide links to third-party websites or services ("Third-Party Services").

You acknowledge and agree that Bankidu shall not be responsible for any Third-Party Services, including their accuracy, completeness, timeliness, validity, copyright compliance, legality, decency, quality, or any other aspect thereof. Bankidu does not assume and shall have no liability or responsibility to you or any other person or entity for any Third-Party Services.

Third-Party Services and links thereto are provided solely as a convenience to you, and you access and use them entirely at your own risk and subject to such third parties' terms and conditions.

Duration and Termination

This Agreement will remain in effect until you or Bankidu terminate it.

Bankidu may, at its sole discretion, at any time and for any or no reason, suspend or terminate this Agreement with or without prior notice.

This Agreement will terminate immediately, without prior notice from Bankidu, in the event that you fail to comply with any provision of this Agreement. You may also terminate this Agreement by deleting the platform and all copies thereof from your computer.

Upon termination of this Agreement, you shall cease all use of the platform and delete all copies of the platform from your computer.

Termination of this Agreement will not limit any of Bankidu's rights or remedies at law or in equity in case of breach by you (during the term of this Agreement) of any of your obligations under the present Agreement.

Copyright Infringement Notice

If you are a copyright owner or an agent thereof and believe that any material on our platform constitutes an infringement of your copyrights, please contact us and provide the following information: (a) a physical or electronic signature of the copyright owner or a person authorized to act on their behalf; (b) identification of the copyrighted work claimed to have been infringed; (c) your contact information, including your address, telephone number, and an email address; (d) a statement by you that you have a good-faith belief that the use of the material is not authorized by the copyright owners; and (e) a statement that the information in the notification is accurate, and, under penalty of perjury, that you are authorized to act on behalf of the copyright owner.

Indemnification

You agree to indemnify and hold Bankidu and its parent company, subsidiaries, affiliates, officers, employees, agents, partners, and licensors (if applicable) harmless from any claim or demand, including reasonable attorneys' fees, due to or arising out of your: (a) use of the platform; (b) violation of this Agreement or any law or regulation; or (c) violation of any right of a third party.

No Warranties

The platform is provided "AS IS" and "AS AVAILABLE" and is provided without any warranty of any kind. To the fullest extent permitted by applicable law, Bankidu, on its behalf and on behalf of its affiliates and its and their respective licensors and service providers, expressly disclaims all warranties, whether express, implied, statutory, or otherwise, with respect to the platform, including all implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement, and warranties that may arise out of course of dealing, course of performance, usage, or trade practice. Without limitation to the foregoing, Bankidu provides no warranty or undertaking, and makes no representation of any kind that the platform will meet your requirements, achieve any intended results, be compatible, or work with any other software, applications, systems, or services, operate without interruption, meet any performance or reliability standards, or be error-free, or that any errors or defects can or will be corrected.

Without limiting the foregoing, neither Bankidu nor any Bankidu's provider makes any representation or warranty of any kind, express or implied: (i) as to the operation or availability of the platform, or the information, content, and materials or products included thereon; (ii) that the platform will be uninterrupted or error-free; (iii) as to the accuracy, reliability, or currency of any information or content provided through the platform; or (iv) that the platform, its servers, the content, or emails sent from or on behalf of Bankidu are free of viruses, scripts, trojan horses, worms, malware, timebombs, or other harmful components.

Some jurisdictions do not allow the exclusion or limitation of certain warranties or consequential or incidental damages, so the above limitations or exclusions may not apply to you. This Agreement gives you specific legal rights, and you may also have other rights which vary from jurisdiction to jurisdiction. The disclaimers, exclusions, and limitations of liability under this Agreement will not apply to the extent prohibited by applicable law.

Limitation of Liability

Notwithstanding any damages that you might incur, the entire liability of Bankidu and any of its suppliers under any provision of this Agreement and your exclusive remedy for all of the foregoing shall be limited to the amount actually paid by you for the platform.

To the maximum extent permitted by applicable law, in no event shall Bankidu or its suppliers be liable for any special, incidental, indirect, or consequential damages whatsoever (including, but not limited to, damages for loss of profits, for loss of data or other information, for business interruption, for personal injury, for loss of privacy arising out of or in any way related to the use of or inability to use the platform, third-party software and/or third-party hardware used with the platform, or otherwise in connection with any provision of this Agreement), even if Bankidu or any supplier has been advised of the possibility of such damages and even if the remedy fails of its essential purpose.

Some states/jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above limitation or exclusion may not apply to you.

Severability

If any provision of this Agreement is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

This Agreement, together with the Privacy Policy and any other legal notices published by Bankidu on the Services, shall constitute the entire agreement between you and Bankidu concerning the Services. If any provision of this Agreement is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of this Agreement, which shall remain in full force and effect. No waiver of any term of this Agreement shall be deemed a further or continuing waiver of such term or any other term, and Bankidu's failure to assert any right or provision under this Agreement shall not constitute.

Disclaimer

Except as provided herein, the failure to exercise a right or require performance of an obligation under this Agreement will not affect a party's ability to exercise such right or require such performance at any time thereafter nor shall be the waiver of a breach of any subsequent breach.

No failure to exercise, nor delay in exercising, on the part of either party, any right or power under this Agreement shall operate as a waiver of that right or power. A single or partial exercise of any right or power under this Agreement shall not preclude further exercise of that or any other right granted herein. In the event of a conflict between this Agreement and any purchase or other terms applicable, the terms of this Agreement shall govern.

Amendments to this Agreement

Bankidu reserves the right, at its sole discretion, to modify or replace this Agreement at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

If you continue to access or use our platform after revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use Bankidu.

Complete Agreement

The Agreement constitutes the entire agreement between you and Bankidu regarding your use of the platform and supersedes all prior or contemporaneous agreements between you and Bankidu.

You may be subject to additional terms and conditions that apply when you use or purchase other services from Bankidu, which Bankidu will provide to you at the time of such use or purchase.

Updates to Our Terms

We may change our Service and our policies, and we may need to make changes to these Terms so that they accurately reflect our Service and policies. Unless otherwise required by law, we will notify you (for example, through our Service) before we make changes to these Terms and give you an opportunity to review them before they go into effect. Then, if you continue to use the Service, you will be bound by the updated Terms. If you do not want to agree to these or any updated Terms, you can delete your account.

Intellectual Property

The application and all its content, features, and functionality (including, but not limited to, all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof), are owned by Bankidu, its licensors, or other providers of such material and are protected by Spanish and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. The material may not be copied, modified, reproduced, downloaded, or distributed in any way, in whole or in part, without the express prior written permission of Bankidu, unless and except as expressly provided in these Terms and conditions. Any unauthorized use of the material is prohibited.

Arbitration Agreement

This section applies to any dispute, EXCEPT THAT IT DOES NOT INCLUDE A DISPUTE RELATING TO CLAIMS FOR INJUNCTIVE OR EQUITABLE RELIEF REGARDING THE ENFORCEMENT OR VALIDITY OF YOUR INTELLECTUAL PROPERTY RIGHTS OR Bankidu'S. The term "dispute" means any dispute, action, or other controversy between you and Bankidu relating to the Services or this Agreement, whether in contract, warranty, tort, statute, regulation, ordinance, or any other legal or equitable basis. "Dispute" shall have the broadest possible meaning allowed by law.

Notice of Dispute

In the event of a dispute, you or Bankidu must give the other a Notice of Dispute, which is a written statement that sets forth the name, address, and contact information of the party giving it, the facts giving rise to the dispute, and the relief requested. You must send any Notice of Dispute by email to: info@bankidu.com. Bankidu will send any Notice of Dispute to your email address if we have it, or otherwise to your mailing address. You and Bankidu will attempt to resolve any dispute through informal negotiation within sixty (60) days from the date the Notice of Dispute is sent. After sixty (60) days, you or Bankidu may commence arbitration.

Mandatory Arbitration

If you and Bankidu do not resolve any dispute by informal negotiation, any other effort to resolve the dispute will be conducted exclusively by binding arbitration as described in this section. You are giving up the right to litigate (or participate in as a party or class member) all disputes in court before a judge or jury. The dispute shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association. Either party may seek interim or preliminary relief from a court of competent jurisdiction, necessary to protect the rights or the property of you or Bankidu pending the completion of arbitration. Any and all costs, fees, and expenses, including but not limited to, the arbitrator's fees, connected with any such arbitration, shall be borne by the non-prevailing party.

Submissions and Privacy

In the event that you submit or post ideas, creative suggestions, designs, photographs, information, advertisements, data, or proposals, including ideas for new or improved products, services, features, technologies, or promotions, you expressly agree that such submissions will automatically be treated as non-confidential and non-proprietary and will become the sole property of Bankidu without any compensation or credit to you. Bankidu and its affiliates shall have no obligations with respect to such submissions or posts and may use the ideas contained in such submissions or posts for any purpose in any medium in perpetuity, including, but not limited to, developing, manufacturing, and marketing products and services using such ideas.

Promotions

Bankidu may, from time to time, include contests, promotions, sweepstakes, or other activities ("Promotions") that require you to submit material or information about yourself. Please note that all Promotions may be governed by separate rules that may contain certain eligibility requirements, such as age and geographical location restrictions. You are responsible for reading all Promotion rules to determine whether or not you are eligible to participate. If you enter any Promotion, you agree to comply with all Promotion Rules.

Additional terms and conditions may apply to purchases of goods or services through the Services, and such terms and conditions are hereby incorporated by this reference.

Auto-Renewing Subscriptions

If you are using Bankidu's auto-renewing subscription services, it's important to understand and agree to the following terms and conditions as specified in Schedule 2, section 3.8(b) of the Paid Applications agreement:

Subscription Pricing and Billing

1. Pricing: The pricing for auto-renewing subscriptions is as displayed on the Bankidu platform at the time of subscription. Prices may change, and you will receive notifications of any price adjustments.

2. Billing Cycle: Subscriptions are billed on a recurring basis according to the chosen billing cycle (e.g., monthly or annually).

3. Payment Methods: Bankidu accepts various payment methods for subscriptions, including credit cards and other payment options specified during the subscription process.

Automatic Renewal

1. Auto-Renewal: Unless canceled, auto-renewing subscriptions will be automatically renewed at the end of each billing cycle. The renewal fee will be charged using the payment method you have on file.

2. Cancellation: You have the option to cancel your auto-renewing subscription at any time. Instructions on how to cancel can be found on our platform or by reaching out to our customer support.

Changes and Cancellations

1. Price Changes: Bankidu reserves the right to adjust the pricing of auto-renewing subscriptions, with advance notice to subscribers.

2. Refunds: Any refunds for subscription fees are subject to our refund policy, as outlined in the refund policy section of these Terms of Use.

3. Termination: Bankidu retains the right to terminate or suspend auto-renewing subscriptions in accordance with our platform's Terms of Service.

Contact Information

If you have inquiries or require assistance regarding auto-renewing subscriptions or subscription management, please feel free to contact us at info@bankidu.com

We recommend reviewing the complete Paid Applications agreement for comprehensive details on auto-renewing subscriptions. By using Bankidu's auto-renewing subscription services, you confirm your understanding and acceptance of the terms and conditions provided in this section and the Paid Applications agreement.

Typographical Errors

In the event that a product and/or service is listed at an incorrect price or with incorrect information due to a typographical error, we shall have the right to refuse or cancel any orders placed for the product and/or service listed at the incorrect price. We shall have the right to refuse or cancel any such orders whether or not the order has been confirmed and your credit card charged. If your credit card has already been charged for the purchase and your order is canceled, we shall promptly issue a credit to your credit card account or other payment account in the amount of the charge.

Miscellaneous

If for any reason a court of competent jurisdiction finds any provision or portion of these Terms and Conditions to be unenforceable, the remainder of these Terms and Conditions will continue in full force and effect. Any waiver of any provision of these Terms and Conditions will be effective only if in writing and signed by an authorized representative of Bankidu. Bankidu operates and controls the Bankidu Service from its offices in Spain. The Service is not intended to subject Bankidu to any non-Spanish laws or jurisdiction.

These Terms and Conditions (which include and incorporate the Bankidu Privacy Policy) contain the entire understanding between you and Bankidu regarding your use, and supersedes all prior and contemporaneous agreements and understandings, between you and Bankidu regarding its subject matter, and may not be altered or modified except in writing by Bankidu. Section titles in these Terms and Conditions are for convenience only and have no legal or contractual effect.

Disclaimer

Bankidu is not responsible for any content, code, or any other inaccuracies.

Bankidu makes no warranties.

In no case shall Bankidu be liable for any special, direct, indirect, consequential, or incidental damages, whether in a contractual action, negligence, or other tort, arising out of or in connection with the use of the Service or the content of the Service. Bankidu reserves the right to make additions, deletions, or modifications to the content of the Service at any time without prior notice.

The Bankidu Service and its content are provided "as is" and "as available" without any warranty or representation of any kind, either express or implied. Bankidu is a distributor and not a publisher of content supplied by third parties; as such, Bankidu exercises no editorial control over such content and makes no warranty or representation as to the accuracy, reliability, or currency of any information, content, service, or merchandise provided or accessible through the Bankidu Service. Without limiting the foregoing, Bankidu specifically disclaims all warranties and representations in any content transmitted in connection with the Bankidu Service or on sites that may appear as links on the Bankidu Service, or in products provided as part of or in connection with the Bankidu Service, including, without limitation, warranties of merchantability, fitness for a particular purpose, or non-infringement of third-party rights. No oral or written advice provided by Bankidu or any of its affiliates, employees, officers, directors, agents, or similar, shall create a warranty. Price and availability information is subject to change without notice. Without limiting the foregoing, Bankidu does not warrant that the Bankidu Service will be uninterrupted, free of corruption, timely, or error-free.

Contact us

Please feel free to contact us if you have any questions.

- Via email: info@bankidu.com

- Through this link: www.bankidu.com/contact