Terms of Service

1. Introduction

These Terms of Service ("Terms") govern your use of the services provided by Fintaxtech Ltd ("we," "our," or "us"). By engaging our services or using our website, you agree to be bound by these Terms.

Fintaxtech Ltd is a company registered in Scotland with company number SC807896. Our registered office is in Dundee, Scotland, United Kingdom.

2. Services

We provide the following digital services:

• Mobile App Development: Custom iOS and Android applications
• Website Development: Responsive websites and web applications
• Company Branding: Logo design, brand guidelines, and marketing materials
• Consulting Services: Digital strategy and technical consultation
• Support and Maintenance: Ongoing technical support and updates

3. Service Agreements

3.1 Project Scope

Each project will be governed by a separate service agreement that outlines:

• Specific deliverables and requirements
• Project timeline and milestones
• Pricing and payment terms
• Intellectual property rights
• Support and maintenance terms

3.2 Changes to Scope

Any changes to the project scope must be agreed upon in writing and may result in additional charges and timeline adjustments.

4. Client Responsibilities

As our client, you agree to:

• Provide accurate and complete information about your requirements
• Respond promptly to requests for feedback and approvals
• Provide necessary access to systems, accounts, and resources
• Make timely payments as agreed
• Comply with applicable laws and regulations
• Respect intellectual property rights

5. Payment Terms

5.1 Pricing

Our pricing is based on project scope, complexity, and timeline. All prices are quoted in British Pounds (GBP) and exclude VAT unless otherwise stated.

5.2 Payment Schedule

Payment terms will be specified in each service agreement. Typically:

• 50% deposit required before project commencement
• Remaining balance due upon project completion
• Ongoing services billed monthly in advance

5.3 Late Payments

Late payments may incur interest charges at 8% per annum above the Bank of England base rate. We reserve the right to suspend services for overdue accounts.

6. Intellectual Property

6.1 Client Materials

You retain ownership of all materials you provide to us. You grant us a license to use these materials solely for the purpose of providing our services.

6.2 Work Product

Upon full payment, you will own the final deliverables created specifically for your project. We retain the right to use general knowledge, skills, and techniques developed during the project.

6.3 Third-Party Materials

Some projects may include third-party materials (fonts, images, libraries). You are responsible for obtaining necessary licenses for these materials.

7. Confidentiality

We will maintain the confidentiality of all client information and project details. We will not disclose confidential information to third parties without your written consent, except as required by law.

8. Warranties and Disclaimers

8.1 Service Warranties

We warrant that our services will be performed with reasonable care and skill. We do not guarantee specific results or outcomes.

8.2 Disclaimers

To the maximum extent permitted by law, we disclaim all other warranties, express or implied, including but not limited to:

• Merchantability and fitness for a particular purpose
• Non-infringement of third-party rights
• Uninterrupted or error-free service
• Compatibility with all systems and devices

9. Limitation of Liability

Our total liability for any claims arising from our services shall not exceed the total amount paid by you for the specific project giving rise to the claim. We shall not be liable for:

• Indirect, incidental, or consequential damages
• Loss of profits, data, or business opportunities
• Third-party actions or omissions
• Force majeure events

10. Indemnification

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

• Your use of our services in violation of these Terms
• Your violation of any third-party rights
• Your failure to comply with applicable laws
• Materials you provide to us

11. Termination

11.1 Termination by Client

You may terminate our services with 30 days' written notice. You will be responsible for payment of all work completed up to the termination date.

11.2 Termination by Us

We may terminate our services immediately if:

• You breach these Terms or the service agreement
• You fail to make payments when due
• We determine that continued service is not feasible

12. Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to:

• Natural disasters
• Government actions
• War or terrorism
• Pandemic or public health emergencies
• Internet or telecommunications failures

13. Data Protection

We process personal data in accordance with our Privacy Policy and applicable data protection laws, including the General Data Protection Regulation (GDPR).

14. Governing Law and Jurisdiction

These Terms are governed by the laws of Scotland. Any disputes arising from these Terms or our services shall be subject to the exclusive jurisdiction of the Scottish courts.

15. Dispute Resolution

We encourage resolving disputes through good faith negotiations. If a dispute cannot be resolved amicably, either party may pursue legal remedies in accordance with applicable law.

16. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

17. Entire Agreement

These Terms, together with any service agreements, constitute the entire agreement between you and us regarding our services and supersede all prior agreements and understandings.

18. Amendments

We may update these Terms from time to time. We will notify you of any material changes by posting the updated Terms on our website and updating the "Last updated" date.

19. Contact Information

If you have any questions about these Terms, please contact us:

20. Acceptance

By engaging our services or using our website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.