Service Terms and Privacy
OUR PROGRAMS
TERMS AND CONDITIONS
Please read these Terms and Conditions carefully, as this pertains to the Agreement of your registration with or subscription for any of the products sold (sometimes referred to as a Program or a Course) by Competitive Compliance GmbH (“we”, “us”, or the “Company”). By purchasing our products or subscribing to our services or downloading our materials, you (“Client”,) agree to the following terms:
SERVICES
Competitive Compliance GmbH provides online content, including digital programs, to help Clients better understand certain compliance and regulatory aspects of the FinTech industry. You agree to abide by all terms and conditions outlined in these Terms as a condition of your receiving our services.
DISCLAIMER
You understand that neither Yana Afanasieva nor the Company, has promised or guaranteed you any of the following:
- Success in business, results, sales, regulatory approvals, or any kind of favorable or positive decisions or outcomes.
- Provide you additional assistance (beyond specific items included in your offer), as either coach, consultant, or mentor, in relation to your business activities or otherwise.
- Introduce you to our network of contacts, other clients, regulators, or business partners.
You understand that a business relationship does not exist between the parties after all materials and content included in the Program have been delivered or made available to you.
FINANCIAL OBLIGATION
You are responsible for the completion of all payment plans (if applicable) associated with the products you purchase. We reserve the right to seek recovery of any monies remaining unpaid and/or revoke your access to Program materials.
REFUNDS
We DO NOT offer refunds after you have accessed (logged in to) the Program.
CONFIDENTIALITY
We respect our Clients’ privacy and insist that you respect our privacy and the privacy of other Program participants you may encounter in the course of the Program.
Thus, consider this a mutual non-disclosure Agreement. Any confidential information shared by us or our participants is confidential, proprietary, and belongs solely and exclusively to the Client or the person who discloses it. Parties agree not to disclose, reveal, or make use of any confidential or non-public information or any transactions during discussions, in the forum or otherwise.
You agree not to use such confidential information in any manner other than for learning purposes, for example, in discussion with Yana, other Clients, or other program participants, during the respective program.
Both you and we agree to keep this private and confidential information in strictest confidence and use our best efforts to safeguard the confidential information and to protect it against disclosure, misuse, espionage, loss, and theft. This also applies to the personal information of other program participants that may become known to you through this program, including but not limited to, their names, email addresses, third-party company titles or positions, phone numbers, or postal addresses. Please, note, that we will not directly share the personal information of our Program participants or Clients with other Clients or participants, but certain information may become visible or accessible, for example, during group call registrations or via participation in social media groups.
CLIENT RESPONSIBILITY
Products and materials developed by Competitive Compliance are for strictly educational purposes ONLY. You understand and agree that you are 100% responsible for your business success and possible results. You acknowledge that, as with any business endeavor, there is an inherent risk of losses, delayed decisions, adverse regulatory developments, or potential penalties, and there is no guarantee that you will reach your goals as a result of participation in Services developed by us. Competitive Compliance assumes no responsibility for errors or omissions that may appear in any program materials.
LIMITATION OF LIABILITY
You agree to use our Company’s services at your own risk and that the Program is only an educational service being provided. You therefore release Competitive Compliance, its officers, employees, directors, subsidiaries, principals, agents, heirs, executors, administrators, successors, assigns, instructors, staff, Participants, and related entities, as well as the venue where the Programs may be held (if applicable), from any and all damages that may result from any claims arising from your participation in our Services, and from all actions, causes of action, contracts, claims, suits, costs, demands and damages of whatever nature or kind in law or in equity arising from your participation in the Program.
INDEMNIFICATION
You shall defend, indemnify, and hold harmless Competitive Compliance, its officers, employees, contractors, directors, related entities, trustees, affiliates, and successors from and against any and all liabilities and expenses whatsoever – including without limitation, claims, damages, judgments, settlements, investigations, costs, attorneys fees, and disbursements – which any of them may incur or become obligated to pay arising out of or resulting from the offering for sale, the sale, and/or use of the product(s).
NO TRANSFER OF INTELLECTUAL PROPERTY
Our Program and materials are our intellectual property, which has been provided to each Client for individual use only as a single-user license (unless otherwise specified). All intellectual property, including our copyrighted program and/or course materials, shall remain the sole property of Competitive Compliance GmbH. By purchasing this product, you agree (1) not to infringe any copyright, patent,
trademark, trade secret, or other intellectual property rights, (2) that any Confidential Information shared by the Company is confidential and proprietary, and belongs solely and exclusively to the Company, (3) not to disclose such information to any other person or use it in any manner other than in discussion with the Company.
INDEPENDENT CONTRACTOR STATUS
Nothing in these Terms is to be construed as creating a partnership, venture alliance, or any other similar relationship. Each party shall be an independent contractor in its performance hereunder and shall retain control over its personnel and the manner in which such personnel perform hereunder. In no event shall such persons be deemed employees of the other party by virtue of participation or performance hereunder.
SEVERABILITY/WAIVER
If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall nevertheless continue in full force. The failure of either Party to exercise any right provided for herein will not be deemed a waiver of that right or any further rights hereunder.
ASSIGNMENT
The Client may not assign this Agreement without the express written consent of the Company.
MODIFICATION
The Company may modify the terms of this Agreement at any time. All modifications shall be posted on the Program’s website and purchasers shall be notified.
TERMINATION
We are committed to providing all Clients with a positive Program experience. By purchasing our products, you agree that the Company may, at its sole discretion, terminate this Agreement, and limit, suspend, or terminate Client’s participation in the Program without refund or forgiveness of payments if Client becomes disruptive to Company or Participants, Client fails to follow the Program guidelines, is difficult to work with, impairs the participation of the other Participants in the Program or upon violation of the terms as determined by Company. The Client will still be liable to pay the total contract amount.
NOTICES AND JURISDICTION
Any notices to be given in relation to these Terms should be addressed to legal@competitivecompliance.com
These Terms shall be governed by and construed in accordance with the laws of Switzerland.
PRIVACY POLICY
Competitive Compliance GmbH (“Company,” “we,” or “us”) respects your privacy and is committed to protecting it through this Privacy Policy. This Privacy Policy governs your access to and use of www.competitivecompliance.co (the “Website“), including any content, functionality, and services offered on or through the Website, whether as a guest, subscriber or paying Client.
When accessing the Website, the Company will learn certain information about you, both automatically and through voluntary actions you may take, during your visit. This policy applies to information we collect on the Website and in email, text, or other electronic messages between you and the Website. Please read the Privacy Policy carefully before you start to use the Website.
By using the Website or by clicking to accept or agree to the Terms of Use when this option is made available to you, you accept and agree to be bound and abide by the Privacy Policy.
If you do not want to agree to the Privacy Policy, you must not access or use the Website.
Information We Collect About You
When you access the Website, the Company will learn certain information about you during your visit.
Information You Provide To Us
The Website provides various places for users to provide information. We collect information that users provide by filling out forms on the Website, communicating with us via contact forms, responding to surveys, completing quizzes, performing search queries on our search feature, providing comments or other feedback via social media, initiating messaging interactions and providing information when ordering a product or service via the Website. We use the information you provide to us to deliver the requested product and/or service, to improve our overall performance, and to provide you with
offers, promotions, and information.
Information We Collect Through Automatic Data Collection Technology
As you navigate through our Website, we may use automatic data collection technologies including Google Analytics to collect certain information about your equipment, browsing actions, and patterns. This will generally include information about your location, your traffic pattern through our website, and any communications between your computer and our Website. Among other things, we may collect
data about the type of computer you use, your IP address, your operating system, and your browser type. The information we collect automatically is used for statistical data and will not include personal information.
We use this data to improve our Website and our service offerings.
To the extent that you voluntarily provide personal information to us, our systems will associate the automatically collected information with your personal information.
Use of Cookies and Pixels
Similar to other commercial websites, our Website utilizes a standard technology called “cookies” and server logs to collect information about how our site is used. Information gathered through cookies and server logs may include the date and time of visits, the pages viewed, time spent at our site, and the websites visited just before and just after our own, as well as your IP address.
A cookie is a very small text document, which often includes an anonymous unique identifier. When you visit a website, that site’s computer asks your computer for permission to store this file in a part of your hard drive specifically designated for cookies. Each website can send its own cookie to your browser if your browser’s preferences allow it, but (to protect your privacy) your browser only permits a website to access the cookies it has already sent to you, not the cookies sent to you by other sites.
The Company reserves the right to use technological equivalents of cookies, including social media pixels. These pixels allow social media sites to track visitors to outside websites so as to tailor advertising messages users see while visiting that social media website. The Company reserves the right to use these pixels in compliance with the policies of the various social media sites, where you may be registered.
Electronic Communications Information
If you choose to correspond with us through email, SMS, or digital messenger (“Electronic Communications”), we may retain the content of your messages together with your email address, phone number, or user name and our responses. We provide the same protections for these Electronic Communications that we employ in the maintenance of information received online, by mail, and by telephone. This also applies when you register for our website, sign up through any of our forms using your email address, or make a purchase on this site. For further information see the email policies below.
Email Policies
We are committed to keeping your e-mail address confidential. We do not sell, rent, or lease our subscription lists to third parties, and will not disclose your email address to any third parties except as allowed in the section titled Disclosure of Your Information.
All e-mails sent from our organization will clearly state who the e-mail is from and provide clear information on how to contact the sender. In addition, all e-mail messages will also contain concise information on how to remove yourself from our mailing list so that you receive no further e-mail communication from us. We will maintain the information you send via e-mail to us in accordance with applicable laws. All our company emails where we may receive your email messages are protected by 2-factor authentication. Our emails provide users the opportunity to opt out of receiving communications from us by reading the unsubscribe instructions located at the bottom of any e-mail they receive from us at any time.
How And Why We Collect Information
The Company collects your information in order to record and support your participation in the activities you select. If you register to download a resource, sign up for our newsletter, and/or purchase a product from us, we collect your information. We use this information to track your preferences and to keep you informed about the products and services you have selected to receive and any related products and/or services. As a visitor to this Website, you can engage in most activities without providing any personal information. It is only when you seek to download resources and/or register for services that you are required to provide information.
How Do We Use the Information That You Provide to Us?
We use personal information for purposes of presenting our Website and its contents to you, providing you with information, providing you with offers for products and services, providing you with information about your subscriptions and products, carrying out any contract between you and the Company, administering our business activities, providing customer service, and making available other items and services to our customers and prospective customers. From time to time, we may use the information you provide to us to display advertisements to you that are tailored to your personal characteristics,
interests, and activities, or the products you previously purchased from us.
Disclosure of Your Information
As a general rule, we do not sell, rent, lease, or otherwise transfer any information collected whether automatically or through your voluntary action. We may disclose your personal information to our service providers (e.g. payments services providers, email service providers, membership site services providers) for the purpose of providing our services to you. We may disclose your personal information to a third party, including a lawyer or collection agency, when necessary to enforce our terms of service or any other agreement between you and the Company. We may provide your information to any successor in interest in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of the Company’s assets and/or business. We may disclose information when legally compelled to do so, in other words, when we, in good faith, believe that the law requires it or for the protection of our legal rights or when compelled by a court or other governmental entity to do so.
How Do We Protect Your Information and Secure Information Transmissions?
We employ commercially reasonable methods to ensure the security of the information you provide to us and the information we collect automatically. This includes using standard security protocols working only with reputable third-party vendors and enforcing two-factor authentication for accessing all critical tools that we use.
Email is not recognized as a secure medium of communication. For this reason, we request that you do not send private information to us by email. However, doing so is allowed, but at your own risk. Some of the information you may enter on our website may be transmitted securely via a secure medium known
as Secure Sockets Layer, or SSL.
Credit Card information and other sensitive information are never transmitted via email.
The Company may use software programs to create summary statistics, which are used for such purposes as assessing the number of visitors to the different sections of our site, what information is of most and least interest, determining technical design specifications, and identifying system performance
or problem areas. For site security purposes and to ensure that this service remains available to all users, the Company uses software programs to monitor network traffic to identify unauthorized attempts to upload or change information, or otherwise cause damage.
Policy Changes
It is our policy to post any changes we make to our privacy policy on this page. If we make material changes to how we treat our users’ personal information, for example, if we change one of our service providers, we will notify you by email to the email address specified by you and/or through a notice on the Website home page. The date the privacy policy was last revised is identified at the bottom of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our Website and this privacy policy to check for any changes.
Your Rights
You have the right to ask us about the personal data we store, and you can request us to either rectify, amend, or erase some of your personal data. Please note, that your request to erase the data is not absolute. For example, if you are a paying customer, we will be obliged to keep some of your information, in order to comply with applicable accounting and tax reporting requirements. At the same time, if we believe we can satisfy your request to erase your personal data, we will do so, and that would mean that we will not store or have access to any of the data we previously may have collected from or about you.
If you have any questions in relation to our Privacy Policy, we welcome your questions or comments, please feel free to contact us at:
legal@competitivecompliance.com