Terms and Conditions of Use

1. Introduction

Welcome to Finveri ("we," "our," or "us"). These Terms and Conditions of Use ("Terms") govern your use of our online platform and services (the "Service"). By accessing or using our Service, you agree to be bound by these Terms.

2. Acceptance of Terms

By creating an account, accessing our platform, or using any of our services, you confirm that:

• You are at least 18 years old
• You have the legal capacity to enter into this agreement
• You agree to comply with all applicable laws and regulations
• You understand and accept these Terms in full

3. Description of Service

Finveri is an online community platform that provides:

• Social networking features for adults
• Subscription-based premium content and services
• Payment processing through third-party providers (CCBill and Paxum)
• Interactive features, games, and entertainment content
• Communication tools and community features

4. User Accounts and Registration

4.1 Account Creation

• You must provide accurate and complete information during registration
• You are responsible for maintaining the confidentiality of your account credentials
• You must notify us immediately of any unauthorised use of your account
• One person or entity may maintain only one account

4.2 Age Verification

• All users must be 18 years or older
• We may require additional identity verification at our discretion
• False representation of age will result in immediate account termination

4.3 Account Security

• You are responsible for all activities that occur under your account
• We are not liable for any loss or damage arising from unauthorised account use
• You must use strong, unique passwords and keep them secure

5. Payment Terms and Subscriptions

5.1 Payment Processing

• Payments are processed by third-party providers: CCBill and Paxum
• By making payments, you agree to the terms of service of these payment processors
• We do not store your payment card information

5.2 Subscription Services

• Subscription fees are charged in advance
• Automatic renewals occur unless cancelled before the renewal date
• Prices may change with 30 days' notice to existing subscribers

5.3 Refunds and Cancellations

• Refund requests are handled through our payment processors
• UK/EU consumers have a 14-day cooling-off period for digital content
• Refunds are subject to the terms of CCBill and Paxum

6. User-Generated Content

6.1 Content Responsibility

• You are solely responsible for all content you post, upload, or share
• You retain ownership of your content but grant us necessary licenses
• You represent that you have all necessary rights to your content

6.2 Prohibited Content

You may not post content that:

• Violates any applicable laws or regulations
• Infringes on intellectual property rights
• Contains harmful, threatening, or abusive material
• Promotes illegal activities or violence
• Contains spam or unsolicited commercial content

6.3 Content Moderation

• We reserve the right to review, edit, or remove any content
• We may suspend or terminate accounts for content violations
• Our decisions regarding content are final

7. Entertainment and Gaming Features

7.2 No Gambling

• Our platform is not a gambling service
• No real money gambling occurs on our platform
• All virtual tokens and rewards are for entertainment only

8. Intellectual Property Rights

8.1 Our Rights

• We own all rights to our platform, software, and proprietary content
• Our trademarks, logos, and branding are protected
• Unauthorised use of our intellectual property is prohibited

8.2 Your Rights

• You retain ownership of your original content
• You grant us a license to use your content as necessary to provide our services
• This license terminates when you delete your content or close your account

9. Privacy and Data Protection

• Our collection and use of personal data is governed by our Privacy Policy
• We comply with UK GDPR and applicable data protection laws
• You have rights regarding your personal data as outlined in our Privacy Policy

10. Prohibited Uses

You may not use our Service to:

• Violate any applicable laws or regulations
• Infringe on the rights of others
• Transmit harmful or malicious code
• Attempt to gain unauthorised access to our systems
• Use automated systems to access our Service without permission
• Engage in any form of harassment or abuse

11. Account Termination

11.1 Termination by You

• You may close your account at any time
• Account closure does not automatically delete all associated data
• Some data may be retained for legal or operational purposes

11.2 Termination by Us

We may suspend or terminate your account if:

• You violate these Terms
• You engage in fraudulent or illegal activities
• We are required to do so by law
• We determine it necessary to protect our platform or other users

12. Disclaimers and Limitations of Liability

12.1 Service Availability

• We provide our Service "as is" without warranties
• We do not guarantee uninterrupted or error-free service
• We may modify or discontinue features at any time

12.2 Limitation of Liability

To the maximum extent permitted by law:

• We are not liable for indirect, incidental, or consequential damages
• Our total liability is limited to the amount you paid us in the 12 months preceding the claim
• We are not responsible for third-party services or content

13. Indemnification

You agree to indemnify and hold us harmless from any claims, damages, or expenses arising from:

• Your use of our Service
• Your violation of these Terms
• Your violation of any third-party rights
• Your content or activities on our platform

14. Governing Law and Jurisdiction

14.1 Primary Jurisdiction

These Terms are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

14.2 International Users

If you are located outside the UK, you are also subject to the laws of your country. You are responsible for compliance with all applicable local laws.

15. Changes to Terms

• We may update these Terms at any time
• Material changes will be communicated with 30 days' notice
• Continued use of our Service after changes constitutes acceptance
• If you disagree with changes, you must stop using our Service

16. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

17. Entire Agreement

These Terms, together with our Privacy Policy and other referenced policies, constitute the entire agreement between you and Finveri.

18. Contact Information

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These Terms and Conditions are effective as of the last updated date and supersede all previous versions.