The Pie Finance portal - Terms of Service
1. Relationship between parties to this agreement
1.1 Your use of Pie Finance’s products, software, services and web sites (referred to collectively as the “Services” in this document and excluding any services provided to you by Pie Finance under a separate written agreement) is subject to the terms of a legal agreement between you and Pie Finance. “Pie Finance” means Pie Finance Limited ot Pie Finance (Not for Profit) Limited or Buzz Technology Limited, whose principal places of business are at 83 Victoria Street, London SW1H 0HW, United Kingdom and 112 Culford Road, London N1 4HN, United Kingdom. This document explains how the agreement is made up, and sets out some of the terms of that agreement.
1.2 Unless otherwise agreed in writing with Pie Finance, your agreement with Pie Finance will always include, at a minimum, the terms and conditions set out in this document. These are referred to below as the “Universal Terms”.
1.3 Your agreement with Pie Finance will also include the terms of any Legal Notices applicable to the Services, in addition to the Universal Terms. All of these are referred to below as the “Additional Terms”. Where Additional Terms apply to a Service, these will be accessible for you to read either within, or through your use of, that Service.
1.4 The Universal Terms, together with the Additional Terms, form a legally binding agreement between you and Pie Finance in relation to your use of the Services. It is important that you take the time to read them carefully. Collectively, this legal agreement is referred to below as the “Terms”.
1.5 If there is any contradiction between what the Additional Terms say and what the Universal Terms say, then the Additional Terms shall take precedence in relation to that Service.
2. Acceptance of the Terms
2.1 In order to use the Services, you must firstly agree to the Terms. You may not use the Services if you do not accept the Terms.
2.2 You can accept the Terms by:
(A) clicking to accept or agree to the Terms, where this option is made available to you by Pie Finance in the user interface for any Service; or
(B) by actually using the Services. In this case, you understand and agree that Pie Finance will treat your use of the Services as acceptance of the Terms from that point onwards.
2.3 You may not use the Services and may not accept the Terms if (a) you are not of legal age to form a binding contract with Pie Finance, or (b) you are a person barred from receiving the Services under the laws of the United States or other countries including the country in which you are resident or from which you use the Services.
2.4 Before you continue, you should print off or save a local copy of the Universal Terms for your records.
3. Language anf translations
3.1 Where Pie Finance has provided you with a translation of the English language version of the Terms, then you agree that the translation is provided for your convenience only and that the English language versions of the Terms will govern your relationship with Pie Finance.
3.2 If there is any contradiction between what the English language version of the Terms says and what a translation says, then the English language version shall take precedence.
4. Provision of the Services
4.1 Pie Finance has subsidiaries and affiliated legal entities around the world (“Subsidiaries and Affiliates”). Sometimes, these companies will be providing the Services to you on behalf of Pie Finance itself. You acknowledge and agree that Subsidiaries and Affiliates will be entitled to provide the Services to you.
4.2 Pie Finance is constantly working to improve its products and services. You acknowledge and agree that the form and nature of the Services which Pie Finance provides may change from time to time without prior notice to you.
4.3 As part of this continuing improvement, you acknowledge and agree that Pie Finance may stop (permanently or temporarily) providing the Services (or any features within the Services) to you or to users generally at Pie Finance’s sole discretion, without prior notice to you. You may stop using the Services at any time. You do not need to specifically inform Pie Finance when you stop using the Services. Any licence fees paid for services during periods lasting more than 7 days for which they are unavailable will be refunded to you.
4.4 You acknowledge and agree that if Pie Finance disables access to your account, you may be prevented from accessing the Services, your account details or any files or other content which is contained in your account.
4.5 You acknowledge and agree that while Pie Finance may not currently have set a fixed upper limit on the number of transmissions you may send or receive through the Services or on the amount of storage space used for the provision of any Service, such fixed upper limits may be set by Pie Finance at any time, at Pie Finance’s discretion.
5. Use of the Services
5.1 In order to access certain Services, you may be required to provide information about yourself (such as identification or contact details) as part of the registration process for the Service, or as part of your continued use of the Services. You agree that any registration information you give to Pie Finance will always be accurate, correct and up to date.
5.2 You agree to use the Services only for purposes that are permitted by (a) the Terms and (b) any applicable law, regulation or generally accepted practices or guidelines in the relevant jurisdictions (including any laws regarding the export of data or software to and from the United States or other relevant countries).
5.3 You agree not to access (or attempt to access) any of the Services by any means other than through the interface that is provided by Pie Finance, unless you have been specifically allowed to do so in a separate agreement with Pie Finance.
5.4 You agree that you will not engage in any activity that interferes with or disrupts the Services (or the servers and networks which are connected to the Services).
5.5 Unless you have been specifically permitted to do so in a separate agreement with Pie Finance, you agree that you will not reproduce, duplicate, copy, sell, trade or resell the Services for any purpose.
5.6 You agree that you are solely responsible for (and that Pie Finance has no responsibility to you or to any third party for) any breach of your obligations under the Terms and for the consequences (including any loss or damage which Pie Finance may suffer) of any such breach.
6. Your passwords and account security
6.1 You agree and understand that you are responsible for maintaining the confidentiality of passwords associated with any account you use to access the Services.
6.2 Accordingly, you agree that you will be solely responsible to Pie Finance for all activities that occur under your account.
6.3 If you become aware of any unauthorised use of your password or of your account, you agree to notify Pie Finance immediately using the contact form on the Pie Finance webs site at www.piefinance.com/contactus.aspx.
7. Privacy and your personal information
7.2 You agree to the use of your data in accordance with Pie Finance’s privacy policies.
8. Content in the Services
8.1 You understand that all information (such as data files, written text, computer software, music, audio files or other sounds, photographs, videos or other images) which you may have access to as part of, or through your use of, the Services are the sole responsibility of the person from which such content originated. All such information is referred to below as the “Content”.
8.2 You should be aware that Content presented to you as part of the Services, including but not limited to advertisements in the Services and sponsored Content within the Services may be protected by intellectual property rights which are owned by the sponsors or advertisers who provide that Content to Pie Finance (or by other persons or companies on their behalf). You may not modify, rent, lease, loan, sell, distribute or create derivative works based on this Content (either in whole or in part) unless you have been specifically told that you may do so by Pie Finance or by the owners of that Content, in a separate agreement.
8.3 Pie Finance reserves the right (but shall have no obligation) to pre-screen, review, flag, filter, modify, refuse or remove any or all Content from any Service.
8.4 You agree that you are solely responsible for (and that Pie Finance has no responsibility to you or to any third party for) any Content that you create, transmit or display while using the Services and for the consequences of your actions (including any loss or damage which Pie Finance may suffer) by doing so.
9. Proprietary rights
9.1 You acknowledge and agree that Pie Finance (or Pie Finance’s licensors) own all legal right, title and interest in and to the Services, including any intellectual property rights which subsist in the Services (whether those rights happen to be registered or not, and wherever in the world those rights may exist). You further acknowledge that the Services may contain information which is designated confidential by Pie Finance and that you shall not disclose such information without Pie Finance’s prior written consent.
9.2 Unless you have agreed otherwise in writing with Pie Finance, nothing in the Terms gives you a right to use any of Pie Finance’s trade names, trade marks, service marks, logos, domain names, and other distinctive brand features.
9.3 Other than the limited license set forth in Section 11, Pie Finance acknowledges and agrees that it obtains no right, title or interest from you (or your licensors) under these Terms in or to any Content that you submit, post, transmit or display on, or through, the Services, including any intellectual property rights which subsist in that Content (whether those rights happen to be registered or not, and wherever in the world those rights may exist). Unless you have agreed otherwise in writing with Pie Finance, you agree that you are responsible for protecting and enforcing those rights and that Pie Finance has no obligation to do so on your behalf.
9.4 You agree that you shall not remove, obscure, or alter any proprietary rights notices (including copyright and trade mark notices) which may be affixed to or contained within the Services.
9.5 Unless you have been expressly authorised to do so in writing by Pie Finance, you agree that in using the Services, you will not use any trade mark, service mark, trade name, logo of any company or organisation in a way that is likely or intended to cause confusion about the owner or authorised user of such marks, names or logos.
10. Licence to use the services
10.1 Pie Finance gives you a personal, worldwide, royalty-free, non-assignable and non-exclusive licence to use the software provided to you by Pie Finance as part of the Services as provided to you by Pie Finance (referred to as the “Software” below). This licence is for the sole purpose of enabling you to use and enjoy the benefit of the Services as provided by Pie Finance, in the manner permitted by the Terms.
10.2 You may not (and you may not permit anyone else to) copy, modify, create a derivative work of, reverse engineer, decompile or otherwise attempt to extract the source code of the Software or any part thereof, unless this is expressly permitted or required by law, or unless you have been specifically told that you may do so by Pie Finance, in writing.
10.3 Unless Pie Finance has given you specific written permission to do so, you may not assign (or grant a sub-licence of) your rights to use the Software, grant a security interest in or over your rights to use the Software, or otherwise transfer any part of your rights to use the Software.
11. Your content
11.1 You retain copyright and any other rights you already hold in Content which you submit, post or display on or through, the Services. By submitting, posting or displaying the content you give Pie Finance a perpetual, irrevocable, worldwide, royalty-free, and non-exclusive licence to reproduce, adapt, modify, translate, publish, publicly perform, publicly display and distribute any Content which you submit, post or display on or through, the Services. This licence is for the sole purpose of enabling Pie Finance to display, distribute and promote the Services and may be revoked for certain Services as defined in the Additional Terms of those Services.
11.2 You agree that this licence includes a right for Pie Finance to make such Content available to other companies, organisations or individuals with whom Pie Finance has relationships for the provision of syndicated services, and to use such Content in connection with the provision of those services.
11.3 You understand that Pie Finance, in performing the required technical steps to provide the Services to our users, may (a) transmit or distribute your Content over various public networks and in various media; and (b) make such changes to your Content as are necessary to conform and adapt that Content to the technical requirements of connecting networks, devices, services or media. You agree that this licence shall permit Pie Finance to take these actions.
11.4 You confirm and warrant to Pie Finance that you have all the rights, power and authority necessary to grant the above licence.
12. Software updates
12.1 The Software which you use may automatically download and install updates from time to time from Pie Finance. These updates are designed to improve, enhance and further develop the Services and may take the form of bug fixes, enhanced functions, new software modules and completely new versions. You agree to receive such updates (and permit Pie Finance to deliver these to you) as part of your use of the Services.
13. Ending your relationship with Pie Finance
13.1 The Terms will continue to apply until terminated by either you or Pie Finance as set out below.
13.2 If you want to terminate your legal agreement with Pie Finance, you may do so by (a) notifying Pie Finance at any time and (b) closing your accounts for all of the Services which you use, where Pie Finance has made this option available to you. Your notice should be sent, in writing, to Pie Finance’s address which is set out at the beginning of these Terms.
13.3 Pie Finance may at any time, terminate its legal agreement with you if:
(A) you have breached any provision of the Terms (or have acted in manner which clearly shows that you do not intend to, or are unable to comply with the provisions of the Terms); or
(B) Pie Finance is required to do so by law (for example, where the provision of the Services to you is, or becomes, unlawful); or
(C) the partner with whom Pie Finance offered the Services to you has terminated its relationship with Pie Finance or ceased to offer the Services to you; or
(D) Pie Finance is transitioning to no longer providing the Services to users in the country in which you are resident or from which you use the service; or
(E) the provision of the Services to you by Pie Finance is, in Pie Finance’s opinion, no longer commercially viable.
13.4 Nothing in this Section shall affect Pie Finance’s rights regarding provision of Services under Section 4 of the Terms.
13.5 When these Terms come to an end, all of the legal rights, obligations and liabilities that you and Pie Finance have benefited from, been subject to (or which have accrued over time whilst the Terms have been in force) or which are expressed to continue indefinitely, shall be unaffected by this cessation, and the provisions of paragraph 20.7 shall continue to apply to such rights, obligations and liabilities indefinitely.
14. Exclusion of Warranties
14.1 The Services are provided "as is" and Pie Finance, its Subsidiaries and Affiliates, and its licensors give you no warranty with respect to them.
14.2 In particular, Pie Finance, its Subsidiaries and Affiliates, and licensors do not represent or warrant to you that:
(A) your use of the Services will meet your requirements,
(B) your use of the Services will be uninterrupted, timely, secure or free from error,
(C) any information obtained by you as a result of your use of the Services will be accurate or reliable, and
(D) that defects in the operation or functionality of any Software provided to you as part of the Services will be corrected.
14.3 No conditions, warranties or other terms (including any implied terms as to satisfactory quality, fitness for purpose or conformance with description) apply to the Services except to the extent that they are expressly set out in the Terms.
14.4 Nothing in the Terms shall affect those statutory rights which you are always entitled to as a consumer and that you cannot contractually agree to alter or waive.
15. Limitation of Liability
15.1 Nothing in these Terms shall exclude or limit Pie Finance’s liability for losses which may not be lawfully excluded or limited by applicable law.
15.2 Subject to overall provision in paragraph 15.1 above, Pie Finance, its Subsidiaries and Affiliates, and its licensors shall not be liable to you for:
(A) any indirect or consequential losses which may be incurred by you. This shall include any loss of profit (whether incurred directly or indirectly), any loss of goodwill or business reputation, or any loss of data suffered by you;
(B) any loss or damage which may be incurred by you as a result of:
(i) any reliance placed by you on the completeness, accuracy or existence of any advertising, or as a result of any relationship or transaction between you and any advertiser or sponsor whose advertising appears on the Services;
(ii) any changes which Pie Finance may make to the Services, or for any permanent or temporary cessation in the provision of the Services (or any features within the Services);
(iii) the deletion of, corruption of, or failure to store, any Content and other communications data maintained or transmitted by or through your use of the Services;
(iii) your failure to provide Pie Finance with accurate account information;
(iv) your failure to keep your password or account details secure and confidential;
15.3 The limitations on Pie Finance’s liability to you in paragraph 15.2 above shall apply whether or not Pie Finance has been advised of or should have been aware of the possibility of any such losses arising.
16. Copyright and trade mark policies
16.1 It is Pie Finance’s policy to respond to notices of alleged copyright or trademark infringement that comply with applicable international intellectual property law and to terminating the accounts of infringers. Details of Pie Finance’s policy are available on written request.
17.1 This services is supported by licence fees and commission related to payments made to collaborative suppliers and finance providers as shown on our products and pricing page at www.piefinance.com/Products.aspx.
17.2 The manner, mode and extent of charges by Pie Finance for the provision of the Services are subject to change without specific notice to you, however, the pricing that will apply to a particular proposition are those applicable at the time when the proposition was created.
17.3 In consideration for Pie Finance granting you access to and use of the Services, you agree to pay the licence fees as the become due prior to you accessing the service and commission payments at the same time at which the collaborative suppliers and finance providers are paid.
18. Other content
18.1 The Services may include hyperlinks to other web sites or content or resources. Pie Finance may have no control over any web sites or resources which are provided by companies or persons other than Pie Finance.
18.2 You acknowledge and agree that Pie Finance is not responsible for the availability of any such external sites or resources, and does not endorse any advertising, products or other materials on or available from such web sites or resources.
18.3 You acknowledge and agree that Pie Finance is not liable for any loss or damage which may be incurred by you as a result of the availability of those external sites or resources, or as a result of any reliance placed by you on the completeness, accuracy or existence of any advertising, products or other materials on, or available from, such web sites or resources.
19. Changes to the Terms
19.1 Pie Finance may make changes to the Universal Terms or Additional Terms from time to time. When these changes are made, Pie Finance will make a new copy of the Universal Terms available at http://dealmaker.piefinance.com/terms.htm.
19.2 You understand and agree that if you use the Services after the date on which the Universal Terms or Additional Terms have changed, Pie Finance will treat your use as acceptance of the updated Universal Terms or Additional Terms.
20. General legal terms
20.1 Sometimes when you use the Services, you may (as a result of, or through your use of the Services) use a service or download a piece of software, or purchase goods, which are provided by another person or company. Your use of these other services, software or goods may be subject to separate terms between you and the company or person concerned. If so, the Terms do not affect your legal relationship with these other companies or individuals.
20.2 The Terms constitute the whole legal agreement between you and Pie Finance and govern your use of the Services (but excluding any services which Pie Finance may provide to you under a separate written agreement), and completely replace any prior agreements between you and Pie Finance in relation to the Services.
20.3 You agree that Pie Finance may provide you with notices, including those regarding changes to the Terms, by email, regular mail, or postings on the Services.
20.4 You agree that if Pie Finance does not exercise or enforce any legal right or remedy which is contained in the Terms (or which Pie Finance has the benefit of under any applicable law), this will not be taken to be a formal waiver of Pie Finance’s rights and that those rights or remedies will still be available to Pie Finance.
20.5 If any court of law, having the jurisdiction to decide on this matter, rules that any provision of these Terms is invalid, then that provision will be removed from the Terms without affecting the rest of the Terms. The remaining provisions of the Terms will continue to be valid and enforceable.
20.6 You acknowledge and agree that Pie Finance shall be third party beneficiaries to the Terms and that only they shall be entitled to directly enforce, and rely upon, any provision of the Terms which confers a benefit on (or rights in favour of) them. Other than this, no other person or company shall be third party beneficiaries to the Terms.
20.7 The Terms, and your relationship with Pie Finance under the Terms, shall be governed by English law. You and Pie Finance agree to submit to the exclusive jurisdiction of the courts of England to resolve any legal matter arising from the Terms. Notwithstanding this, you agree that Pie Finance shall still be allowed to apply for injunctive remedies (or an equivalent type of urgent legal relief) in any jurisdiction.
October 15, 2009