Terms and Conditions
Privacy Policy
Cookie Policy
Refund Policy
Terms and Conditions
Terms and Conditions
You must be 18 years of age to become a member of Finerca services. The member who created the Finerca account and whose Payment Method is charged is referred to here as the “Account Owner” or a “Member” having a “Membership”.
Finerca reserves the right, in our sole discretion, to change, modify, add or remove portions of these Terms and Conditions at any time by posting the revisions on the site. You should check these Terms periodically for changes as by using the site after we post any changes to them, you agree to accept them, whether or not you have reviewed them, and you waive any right you may have to receive individualised notice of such changes.
Using the site, whether as a guest or a registered user, you agree to be legally bound by these Terms just as if you had signed this agreement. These Terms may be supplemented by additional terms and conditions pertaining to specific content and activities. You agree and understand that such additional terms and conditions are hereby incorporated by reference to these Terms. You are responsible for making all arrangements necessary for you to have access to the site. You are also responsible for ensuring that all persons who access the site through your Internet connection are aware of these Terms and that they comply with them. From time to time, access to some parts of the site, or the entire site, may be restricted to registered users. Further terms and conditions shall apply to such registered users, which the user will be asked to accept within the relevant pages.
From time to time, Finerca and any of its officers and employees, many, to the extent permitted by law, have a position or interest in the instruments – or derivative of instruments – covered directly or indirectly by our reports.
Company: When this policy mentions “Company,” “we,” “us,” or “our,” it refers to ShopWave Solutions Ltd with its registered address at Plovdiv City, Central City District, 4A, Gen. Skobelev Str. 4000, Bulgaria, that is responsible for your information under these Terms and Conditions.
Country: where ShopWave Solutions Ltd is based, in this case, Bulgaria.
Device: any internet-connected device such as a phone, tablet, computer or other devices that can be used to visit ShopWave Solutions Ltd and use the services.
Service: refers to the service provided by ShopWave Solutions Ltd as described in the relative terms (if available) and on this platform.
Third-party service: refers to advertisers, contest sponsors, promotional and marketing partners, and others who provide our content or whose services we think may interest you.
Website: ShopWave Solutions Ltd’s website for the purpose of the educational services offered is https://finerca.com/.
You: a person or entity registered with ShopWave Solutions Ltd to use the Services.
INVESTMENT WARNINGS
We would like to draw your attention to the following important investment warnings.
a) The value of shares and investments and the income derived from them can go down as well as up;
b) When speculating on derivatives, losses can exceed deposits;
c) Investors may not get back the amount they invested, and losses can exceed deposits – substantial losses greater than your capital are a real risk;
d) Past performance is not a guide to future performance;
e) Some instruments, such as derivatives, may be disproportionately impacted by changes in the underlying instruments on which they are based and, as such, are particularly high-risk investments;
f) For some of the instruments covered in our research, price discovery and liquidity may, from time to time, be impacted by market conditions, making it hard to deal with those instruments or ascertain their correct market value.
While Finerca offers financial education, it’s important to note the following:
a) Finerca does not offer investment advice or direct investment opportunities. The educational content provided is for informational purposes only.
b) Users should not interpret the use of Finerca’s educational services as a substitute for professional investment advice.
c) Decisions based on information obtained from Finerca are the sole responsibility of the user, and in exchange for using Finerca’s services, the user agrees to hold Finerca harmless against any claims for damages arising from any decision the user makes based on such information.
d) Finerca’s content is not intended to be used as a primary basis for investment decisions, nor should it be construed as advice designed to meet the particular needs of an individual investor.
e) Information and opinions presented in Finerca’s content have been obtained or derived from sources believed by Finerca to be reliable, but Finerca makes no representation as to their accuracy or completeness.
f) Finerca is not responsible for any losses incurred from financial decisions made based on its educational content.
MEMBERSHIP
Finerca offers access to its educational content on a tiered Membership basis (“Membership”). You may receive access to each level by purchasing a package. Each package affords you access to the relevant courses as defined in the Packages list. Purchased courses & e-books are available for 1 year after the purchase.
To become a Member of the site, you must have internet access and provide us with certain personal details, including a current, valid, accepted method of payment on entry to the site (as such may be updated from time to time “Payment Method”) to use the Finerca service. We will bill the fee to your Payment Method upfront. We reserve the right to modify, terminate or otherwise amend our offered membership plans.
FULFILMENT POLICY
At Finerca, we ensure that the services we provide are satisfactory. Customer satisfaction is our utmost priority as we take all complaints about our services very seriously. This Fulfilment Policy (the “Policy”) informs you about our delivery policy and the rules and guidelines relating to the refunds for services purchased on our website. Please read this Policy carefully to understand your rights and the requirements for the refund.
DELIVERY POLICY
At Finerca, we sell online courses (digital goods). We deliver our products to users directly on our website right after they purchase.
CANCELLATION
All Membership Fees are fully earned upon payment and are non-refundable except during the first 30 days since the beginning of the Membership under the condition that you have viewed no more than 50% of the lessons made available to you in the various courses (e.g. Trading Essentials, Technical Trading and Strategic Trading courses).
You can request a refund by emailing us at hello@finerca.com stating your wish to receive a refund and your full name. We will carry out the reimbursement using the same means of payment as you used for the initial transaction.
Once we receive your cancellation request, you will cease to have access to the site immediately.
CUSTOMER COMPLAINTS
Finerca is committed to the highest level of service and client satisfaction.
Any dissatisfaction in connection with Services, feedback or voicing a client’s opinion can be registered as a complaint. See the instructions below.
Finerca is committed to treating you with respect and transparency, handling the complaint fairly, and responding promptly.
The response shall strive to be constructive and include an explanation and reasoning when possible.
How to register a complaint?
Provide and identify information about yourself.
Send your complaint via email to: hello@finerca.com. Please state “complaint” in the subject.
Stage one: complaint investigation
Our staff will examine the complaint within 7 business days.
Company response will be delivered to Claimant by email or by certified mail.
In special circumstances, the company may add additional 7 days to the examination period above. The claimant will be informed as to the reason for the delay.
APPLICATIONS
You may encounter third-party applications (including, without limitation, websites, widgets, software, or other software utilities) (“Application(s)”) that interact with the Finerca service. These Applications may import data related to your Finerca account and activity and otherwise gather data from you. These Applications are provided solely as a convenience to you, and Finerca is not responsible for such Applications. Such applications are owned or operated by third parties unrelated to or sponsored by Finerca. Use of an application is at your option and risk.
THIRD-PARTY MATERIALS
Finerca may provide access or links to third-party information, content, products, services, or other materials on or through the site (collectively the “Third Party Materials”) as a service to those interested in such Third Party Materials. Finerca does not screen, approve, monitor or have any control over any Third Party Materials and is not responsible or liable for such Third Party Materials in any manner or for any harm caused thereby. You will be solely responsible for any harm, including any damage to your computer system or data loss resulting from using or downloading any Third Party Materials. All third-party materials with all faults are provided on an “as-is” basis.
Finerca does not endorse or adopt any Third Party Materials. It cannot guarantee the quality, accuracy, completeness, reliability, safety, timeliness or appropriateness of such Third Party Materials. Finerca does not make any representations or warranties regarding the Third Party Materials and undertakes no responsibility to update or review any Third Party Materials. Users use such Third Party Materials at their own risk.
ACCEPTABLE USE OF THE SITE
It is impossible to provide an exhaustive list of exactly what constitutes acceptable and unacceptable use of this site. In general, Finerca will not tolerate it. You agree not to engage in any use of the site which damages or is likely to damage our reputation or the availability or integrity of the site, which causes harm of any kind to Finerca or its users or which causes us or threatens to cause us to incur any legal, tax, financial, regulatory or other liability (“Misuse”). We, therefore, request you treat our Site with respect, and you agree not to use the site for any illegal or improper purpose or in such a way as to infringe or breach other’s rights or to cause or threaten to cause damage or harm Finerca or its users (which shall also constitute Misuse). Without limiting any of the foregoing, you agree not to use the site or cause or permit the site to be used:
a) To jeopardise or prejudice the operation, quality or integrity of the site or the operation, quality or integrity of any telecommunications network.
b) To harvest or otherwise collect information about others, including email addresses, without their consent.
c) For any commercial purpose, including any direct marketing, surveys, contests or pyramid schemes, nor to use the site to participate in or cause others to participate in sending chain letters, junk e-mail, spam, duplicative or unsolicited messages, advertising or promotional material.
d) To distribute, download, upload, or transmit any material which contains viruses, trojan horses, worms, or any other harmful or detrimental programs.
e) To stalk or harass anyone or impersonate any person or entity, or otherwise misrepresent your affiliation with a person or entity.
f) To attack the site via a denial-of-service attack.
g) Contrary to the terms and conditions of any Internet Service Provider you may use.
Any site used in a manner prohibited in these Terms will constitute Misuse. We also ask you to comply with any relevant notices, policies and terms imposed by third parties whose website, products or services you access through the site.
We reserve the right to suspend the use of the site generally or block your access to all or any part of the site and/or to suspend or terminate your rights to use the site or any part of it at any time and for any reason (or for no reason) including if we suspect Misuse. We reserve the right to report any Misuse of the site to the relevant enforcement, other authorities, and our legal advisers. We further reserve the right to disclose any evidence that relates directly or indirectly to the Misuse of this site.
If any material on this site, or your use of this site, is contrary to the laws of the jurisdiction in which you are located, then this site is not intended for your use, and we ask that you do not use this site. You are responsible for compliance with the laws of the jurisdiction in which you are located.
ADVERTISING
Parts of the site may contain advertising and sponsorship. Advertisers and sponsors ensure that material submitted for inclusion on the site complies with international and national law. Finerca will not be responsible for any error or inaccuracy in advertising materials.
LIMITATION OF LIABILITY
You expressly understand and agree that (to the fullest extent permitted by law) Finerca and its directors, members, employees or agents shall not be liable for any direct, indirect, incidental, special, consequential, exemplary or punitive damages or any other damages whatsoever, including but not limited to, damages for loss of profits (whether direct or indirect) or contracts, income or revenue, goodwill, anticipated savings, data or other intangible and/or economic losses (even if we have been advised of the possibility of such damages), arising out of, or resulting from:
a) The use or the inability to use the site.
b) The use of, inability to use, or reliance upon any content or other site materials on or offered through the site or any website or websites linked to the site.
c) Unauthorised access to or alteration of your transmissions or data.
d) Statements or conduct of any third party on the site.
e) Any other matter relating to the site.
In no event shall the aggregate liability of Finerca, whether in contract, warranty, tort (including negligence, whether active, passive or imputed), product liability, strict liability or other theory, arising out of or relating to the use of or inability to use the site or the site materials exceed any compensation you pay, if any, directly to Finerca in connection with the site and the site materials.
The foregoing does not affect our liability for death or personal injury arising from our negligence, fraudulent misrepresentation, or any other liability that cannot be excluded or limited under applicable law. If you are dissatisfied with any portion of the site or with any of these Terms, your sole and exclusive remedy is discontinuing your use of this site.
INTELLECTUAL PROPERTY
The website and its entire contents, 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 Finerca. Its licensors or other providers of such material. They are protected by 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 Finerca, unless and except as is expressly provided in these Terms and Conditions. Any unauthorised use of the material is prohibited.
COOKIES
A website asks your browser to store a small piece of data on your computer or mobile device. The cookie allows the website to “remember” your actions or preferences over time.
DISCLAIMERS OF WARRANTIES
We do not warrant that the site will be continuously available, that your use of the site will be uninterrupted or error-free, or that the site and server will be free from attack. This site, the site materials (including all user content as defined below) and all products and services offered on or in connection with the site are provided on an “as is” basis.
To the fullest extent permitted by applicable law, Finerca disclaims all warranties, express or implied, including, without limitation, implied warranties of merchantability, fitness for a particular purpose, title and non-infringement, as to the site, the site materials and all products and services offered on or in connection with the site. Neither Finerca nor any of our respective licensors, licensees, service providers or suppliers warrant that the site or any function contained on the site will be uninterrupted or error-free, that defects will be corrected, or that the site or the servers that make the site available are free from viruses or other harmful components.
We do not warrant or make any representations regarding the use or results of the site materials or any third-party site accessed through the site in terms of their correctness, accuracy, timeliness, reliability, or otherwise. You will be solely responsible for any damage to your computer system or data loss resulting from downloading any such product, offering, content or material.
We do not warrant that the services or information provided on or through this site will be correct, complete, accurate, adequate, up-to-date or fit for any particular purpose. Further, please note that no advice or information obtained by you from our personnel or through this site shall create any warranty not expressly provided for in these terms. You are responsible for validating the integrity of any information received over the internet. These disclaimers apply to the fullest extent permitted by law.
ADDITIONAL TERMS
These Terms constitute the entire agreement between you and Finerca with respect to your access and use of the site and any third-party website accessed through the site. Suppose any of these Terms shall be unlawful, void, or unenforceable. In that case, that provision shall be deemed severable from these Terms and shall not affect the validity and enforceability of any remaining provisions. Our failure to exercise or delay in exercising a right or remedy provided by these Terms or by law does not constitute a waiver of those or any other rights or remedies.
These Terms and the rights and obligations contained herein are personal and may not be assigned, licensed or transferred by you. We reserve the right to assign or transfer its rights and obligations under these Terms.
TERMINATION
Finerca reserves the right, without notice and in its sole discretion with or without cause, to terminate the site, suspend or terminate your ability to use the site, and block or prevent future access to and use of the site.
LINKS
The site contains links to third-party websites. These links are provided solely as a convenience to you and not as an endorsement by Finerca of the content on such third-party websites. Finerca is not responsible for the content of linked third-party sites and does not make any representations regarding the content or accuracy of materials on such third-party websites. If you decide to access linked third-party websites, you do so at your own risk and in accordance with the prevailing terms and conditions of such third-party sites.
PRIVACY
We are committed to protecting your privacy. All personal data we collect from you will be processed per our Privacy Policy. You should review our Privacy Policy and confirm that when using this Website, you consent to your personal data being used and processed per our Privacy Policy.
In accessing this site, the user accepts that electronic mail passing over the Internet may not be free from interference by third parties. In consequence, Finerca cannot guarantee the privacy or confidentiality of any information relating to the user passing over the Internet. The user shall be responsible for your communications to this site, including its lawfulness, truthfulness and accuracy.
GOVERNING LAW
Nothing on this website or any part thereof is intended to constitute an offer or solicitation to buy or sell investments in any jurisdiction. These Terms will be governed by, construed and enforced in accordance with the laws of Bulgaria. You hereby unconditionally and irrevocably submit to the exclusive jurisdiction of the country’s courts, as mentioned earlier.
Those who access this site from other locations do so on their own initiative and are responsible for compliance with applicable local laws. If you live in a country where access to the services provided by the site is prohibited, you must not register with us or attempt to use our services. Should Finerca become aware of any Account Owner accessing the site from a country in which access to the services provided by the site is prohibited, Finerca reserves the right to close such Account.
NO INVESTMENT RECOMMENDATIONS OR ADVICE; RELIANCE ON INFORMATION
Our website is financial education, data portal, and content aggregator. Finerca is not a broker/dealer, we are not an investment advisor, we have no access to non-public information about publicly traded companies, and this is not a place for giving or receiving financial advice or advice concerning investment decisions or tax or legal advice. The services and the information available on or through this site are only for your general information and use and are not intended to address your particular requirements.
In particular, the investment information, content, education, strategies, alerts, and materials on this site (the “investment information”) is in the nature of general investment research and data and is for general informational purposes only. The investment information is not personalised for you or any other recipient, does not constitute any form of advice, recommendation, or investment advice by other users or us, and should not be considered an individualised investment recommendation. Such information is not intended to be relied upon by you in making (or refraining from making) any specific investment or other decisions.
Appropriate expert independent advice should be obtained before making any such decision. You bear all risks from any use or results of using any services and/or information on this site. Finerca is an education and research platform for retail traders and investors specialising in education and producing statistical observations on key financial instruments. These instruments include but are not limited to shares, rolling spot foreign exchange contracts, commodity futures, contracts for differences, spread bets, futures and government and public securities.
We will not arrange any transactions on your behalf. The Investment Information on the site is provided “AS IS” without warranty of any kind. To the maximum extent permitted by applicable law, Finerca is not responsible or liable in any manner for and makes no representations or warranties regarding the accuracy, completeness, quality, reliability or usefulness of any investment information or the results obtained from any investment information.
The type of strategies mentioned on the site may not be suitable for everyone, and you alone are solely responsible for determining whether any investment, strategy or any other product or service is appropriate or suitable for you based on your investment objectives and personal and financial situation. You should consult an independent financial advisor, attorney or tax professional regarding your specific investment, legal or tax situation.
We may offer valuation tools; these are solely for informational and educational purposes so that users can easily run their valuations. The predefined values are simply a starting point based on global assumptions that we have applied across the entire market – you should amend the values as you see fit and not regard them as a substitute for your judgement. Any resulting valuation outputs are necessarily generic and are not endorsed for a given stock by Finerca.
BILLING
By starting your Membership, you authorise us to charge you a one-off Membership Fee as set out in our website’s Packages list. This fee is a single payment, charged upfront before access to the applicable content is made available. Your bank statement will display the charge as “Finerca” following the purchase.
Privacy Policy
Tab 2
This Privacy Policy maps out the legal framework for any personal data (“personal identifiable information” or “information”) collected by ShopWave Solutions Ltd with its registered at Plovdiv City, Central City District, 4A, Gen. Skobelev Str. 4000, Bulgaria (“Finerca”, “Company”, “we” or “us”) provided by you (“Customer” or “user”). To provide you with the use of the website (the “Service”), data processing remains a necessary step in order to comply with, but not limited to, the Data Protection Act 1998 (“DPA”) as well as the General Data Protection Regulation (“GDPR”). This Policy intends to address customer or visitor concerns regarding their data privacy and security and to emphasise the Company’s commitment to ensuring sufficient privacy safeguards are in place.
We ask that you read this Privacy Policy carefully, as it contains information about how we collect information from you, what we do with it and how you can control our use of the information.
GENERAL INFORMATION
We reserve the right to change the Privacy Policy, including altering the purposes for which we process your Personal Information. If we consider it appropriate to make any such change, the Privacy Policy will be updated and posted on our Website. Your continued use of the Website will constitute acceptance of those changes. Suppose we make any material or substantial changes to this Privacy Policy. In that case, we will use reasonable endeavours to inform you by email, notice on the Website or other agreed communications channels.
INFORMATION USE
We collect and process the information with high regard to providing and maintaining the quality of our Services to you and protecting and improving your experience at Finerca.
Once you are logged into your account, Finerca may collect the following information:
A record of all internet communications and details of your visits to our Websites.
Technical information relating to the device, such as device identifier and browser you use to access our Websites.
Details of transactions you carry out through the site, such as payments.
Communications with us or our employees, for example, calls, emails, and messages sent through the live chat service.
Information regarding your location, including your IP address.
Any additional information you submit through the website, for example, in comment sections or responses to quizzes and questionnaires.
Third parties provide services to help us decide whether to accept transactions from you by assessing your payment method and the devices you use to visit our website. This does protect not only you but also us. These third-party services perform checks to determine whether the device or chosen payment method has been identified with fraudulent or abusive transactions in the past, e.g. reported identity theft or credit card fraud.
STORAGE OF PERSONAL DATA
The data we collect from you may be transferred and stored at a destination outside the European Economic Area (“EEA”). It may also be processed by staff outside the EEA who work for one of our suppliers or us. This includes staff engaged in, among other things, the fulfilment of your order, processing your payment details and providing support services. By submitting your Personal Information, you agree to this transfer, storing or processing. Finerca will take all necessary steps to ensure your data is treated securely and in accordance with this privacy policy.
Some of our external third parties are based outside the EEA, so their processing of your Personal Information will involve a transfer of data outside the EEA. Whenever we transfer your Personal Information out of the EEA to third parties, we ensure a similar degree of protection is afforded to it by ensuring at least one of the following safeguards is implemented:
We will only transfer your Personal Information to countries deemed to provide adequate protection for personal data by the European Commission.
Where we use certain service providers, we ensure they adhere to specific contracts approved by the European Commission, which give your Personal Information the same protection it has in Europe.
Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your Personal Information, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your Personal Information, we will use strict procedures and security features to prevent unauthorised access.
We retain your personal information for as long as is necessary to fulfil the purpose for which it was collected. We may retain your personal information for longer if it may be the subject of a legal claim or may otherwise be relevant for future litigation.
ACCESS TO YOUR INFORMATION
You have the right to ask for a copy of your information being processed. In this case, Finerca will provide the requested information without delay and, at the latest, within one month of receipt of a valid request. Should. However, if a request is unfounded or excessive, Finerca is in its right to:
Charge a reasonable fee considering the administrative costs of providing the information.
Refuse to respond.
In the event that you need to rectify your personal data, Finerca will respond within a month and make the appropriate changes.
Should you wish to either rectify or require a copy of your personal information, you must submit a request explaining what information you seek to acquire along with proof of identity to office@Finerca.com.
If you have opted out of marketing from us, we will take all reasonable steps to ensure you no longer receive promotional material about Finerca. This may affect your eligibility for certain promotions.
INFORMATION SHARING AND DISCLOSURE
We will not sell your personally identifiable information to anyone. We will send personally identifiable information about you to other companies or people only when:
We have your consent to share the information.
We need to share your information to provide the Service you have requested.
We need to send the information to companies who work on behalf of our company to provide a service requested by you. We are required to respond to regulatory or court orders or legal processes.
We find that your actions on our Website violate the Terms or our usage guidelines for specific services.
In order to provide the information or services you requested, we may transfer or store your personally identifiable information on computer equipment or in offices across countries or jurisdictions. We may be managed and processed by our company internally as we please. You are deemed to consent to the same.
To ensure a good quality of service, we may monitor and record any communication you have with us, whether in writing, by phone or by electronic mail. We recommend that, with the exception of your name and username, you do not send us personal information by email, with the exception of your name and username. Any information which you transmit to us is transmitted at your own risk.
GOVERNING LAW
The laws of Bulgaria govern this Privacy Policy without regard to its conflict of laws provision. You consent to the exclusive jurisdiction of the courts in connection with any action or dispute arising between the parties under or in connection with this Privacy Policy.
The laws of Bulgaria, excluding its conflicts of law rules, shall govern this Agreement and your use of the website. Your website may also be subject to local, state, national, or international laws.
You signify your acceptance of this Privacy Policy by using Finerca or contacting us directly. If you do not agree to this Privacy Policy, you should not engage with our website or use our services. Continued use of the website, direct engagement with us, or following the posting of changes to this Privacy Policy that do not significantly affect the use or disclosure of your personal information will mean that you accept those changes.
INFORMATION COLLECTION
We may collect personally identifiable information (i.e. your name, postal address, telephone number, email address, date of birth and payment details) from you when you either submit an account registration form on any platform (Desktop or mobile) controlled by Finerca, complete a request for information on any platform (desktop or mobile), email or write to us requesting information, services or customer support. You will also be required to create a unique username and password for your account. This information is required in order to access our Services.
We may also receive personally identifiable information from you when using our products and services or from our business partners, such as browser and cookie information. In addition, we may also collect your IP address and technical information relating to the device you are accessing our websites from. We do not collect any personally identifiable information when you are on our site before you login or submit the form in the contact us area. We only use personally identifiable information to fulfil your requests for information or render products or services to you. Should you choose to withhold the requested information, we may not be able to provide you with our Services.
We may also monitor your use of our website. This may include, but is not limited to, monitoring how many times and which pages you visit and the originating domain name of a user’s internet service provided. This information helps us to build a profile of our Customers. Some of this data will be aggregated or statistical, so we cannot identify you individually.
MARKETING
Finerca reserves the right to process personal data for marketing purposes and, in certain circumstances, to provide this to our third-party partners for marketing Finerca’s Services and approved partner Services to you.
We request your consent to market to you when you create an account with us. You can choose not to receive marketing/promotional material at any time by clicking the unsubscribe link from promotional material being received or by contacting us hello@finerca.com.
Cookie Policy
Cookie Policy
MEANINGS
Cookie: a small piece of data that a website asks your browser to store on your computer or mobile device. The cookie allows the website to “remember” your actions or preferences over time.
Company: When this policy mentions “Company,” “we,” “us,” or “our,” it refers to ShopWave Solutions Ltd with its registered address at Plovdiv City, Central City District, 4A, Gen. Skobelev Str. 4000, Bulgaria, that is responsible for your information under this Cookie Policy.
Device: any internet-connected device such as a phone, tablet, computer or other devices that can be used to visit Finerca and use the services.
Personal Data: Any information that, directly, indirectly, or in connection with other information — including a personal identification number — allows for the identification or identifiability of a natural person.
Service: refers to the service provided by Finerca as described in the relative terms (if available) and on this platform.
Third-party service: refers to advertisers, contest sponsors, promotional and marketing partners, and others who provide our content or whose products or services we think may interest you.
Website: https://Finerca.com/.
You: a person or entity registered with Finerca to use the Services.
DISCLAIMER
The Finerca Service and its contents are provided “as are” and “as available” without any warranty or representations, whether express or implied. Finerca is a distributor and not a publisher of the content supplied by third parties; as such, Finerca 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 through or accessible via the Finerca Service. Without limiting the foregoing, Finerca specifically disclaims all warranties and representations in any content transmitted on or in connection with the Finerca Service or on sites that may appear as links on the Finerca Service or in the products provided as a part of, or otherwise in connection with, the Finerca Service, including without limitation any warranties of merchantability, fitness for a particular purpose or non-infringement of third party rights. No oral advice or written information given by Finerca or its affiliates, employees, officers, directors, agents, or the like will create a warranty. Price and availability information is subject to change without notice. Without limiting the foregoing, Finerca does not warrant that the Finerca Service will be uninterrupted, uncorrupted, timely, or error-free.
BLOCKING AND DISABLING COOKIES
You may also set your browser to block cookies and similar technologies wherever you’re located. Still, this action may block our essential cookies and prevent our website from functioning properly, and you may not be able to utilise all of its features and services fully. You should also be aware that you may lose some saved information if you block cookies on your browser.
WHY DO WE USE COOKIES?
We use cookies to learn how you interact with our content and improve your experience when visiting our website. For example, some cookies remember your language or preferences so that you do not have to make these choices when you visit our website repeatedly, facilitate the operation and functionality of our website, and allow us to make a bespoke user experience for you and for us to understand what is useful or of interest to you, analyse how our website is used and how best we can customise it.
WHAT TYPES OF COOKIES DO WE USE?
Cookies can either be session cookies or persistent cookies. A session cookie expires automatically when you close your browser. A persistent cookie will remain until it expires or you delete your cookies. Expiration dates are set in the cookies themselves; some may expire after a few minutes, while others may expire after multiple years. Cookies placed by the website you’re visiting are called “first-party cookies”.
Analytics and Customization Cookies
These cookies collect information to help us understand how our website is being used, how effective our marketing campaigns are, or to help us customise our website for you.
We use cookies served by Google Analytics to collect limited data directly from end-user browsers to enable us to understand your use of our website better.
Performance and Functionality Cookies
These cookies are used to enhance the performance and functionality of our website but are non-essential to their use. However, certain functionality, like videos, may become unavailable without these cookies. You would be required to enter your login details every time you visit the website, as we could not remember that you had logged in previously.
WHAT IS A COOKIE
A website asks your browser to store a small piece of data on your computer or mobile device. The cookie allows the website to “remember” your actions or preferences over time. They’re safe and can’t be used to run programs or deliver viruses to your device.
ERRORS AND OMISSIONS
Finerca is not responsible for any content, code, or imprecision. Finerca does not provide warranties or guarantees. In no event shall Finerca be liable for any special, direct, indirect, consequential, or incidental damages or any damages whatsoever, whether in an action of contract, negligence or other torts, arising out of or in connection with the use of the Service or the contents of the Service. Finerca reserves the right to make additions, deletions, or modifications to the contents of the Service at any time without prior notice.
CHANGES TO OUR COOKIE POLICY
We may change our Services and policies and need to make changes to this Cookie Policy to accurately reflect our Services and policies. Unless otherwise required by law, we will notify you (for example, through our Service) before we make changes to this Cookie Policy and allow you to review them before they go into effect. Then, if you continue to use the Service, you will be bound by the updated Cookie Policy. You can delete your account if you disagree with this or any updated Cookie Policy.
HOW TO MANAGE COOKIES?
Most browsers allow you to control cookies through their ‘settings’ preferences. However, if you limit the ability of websites to set cookies, you may worsen your overall user experience since it will no longer be personalised to you. It may also stop you from saving custom settings like login information. Browser manufacturers provide help pages relating to cookie management in their products.
Browser manufacturers provide help pages relating to cookie management in their products.
Essential Cookies
We use essential cookies to make our website work. These cookies are strictly necessary to enable core functionality such as security, network management, cookie preferences and accessibility. Without them, you wouldn’t be able to use basic services. You may disable these by changing your browser settings, affecting how the Websites function.
YOUR CONSENT
By using our website, registering an account, or making a purchase.
Refund Policy
Refund Policy
You can request a refund by emailing us at hello@finerca.com stating your wish to receive a refund and your full name.
All Membership Fees are fully earned upon payment and are non-refundable except during the first 30 days since the beginning of the Membership Period under the condition that you have viewed no more than 50% of the lessons.
General terms apply to all refund-eligible Services. In addition, the special term(s) may apply to a specific service, as outlined below.
In no event is the same Service eligible for more than one refund.
All refunds are processed in EUR: you, the customer, bear sole responsibility for any fluctuations in the exchange rate(s) between the time of payment and the time of refund.
If you have any questions, please feel free to contact us:
via phone: +442045772639
via email: hello@finerca.com
via this link: https://finerca.com/
