Terms of Use

1. Terms of Use

These Terms of Use, together with any and all other documents referred to herein, set out the terms of use under which you may use this website, http://mariaandersencrypto.com/. Please read these Terms of Use carefully and ensure that you understand them. Your agreement to comply with and be bound by these Terms of Use is deemed to occur upon your first use of our Site. If you do not agree to comply with and be bound by these Terms of Use, you must stop using our site immediately. These Terms of Use do not apply to the sale of services. Please refer to our Terms of Sale for more information.

1.1. Definitions and Interpretation

„Account“ means an account required for a User to acces and/or use certain areas of Our Site, as detailed in clause 4;
„Content“ means any and all text, images, audio, video, scripts, code, software, databases and any other form of information capable of being stored on a computer that appears on, or forms part of, Our Site;
„User Content“ means any content submitted to Our Site by Users;
„We/Us/Our“ means ANDERSEN & CO. -FZCO, a company registered in the United Arab Emirates, with license number 21083 and a registered office located at Dubai Silicon Oasis, IFZA Business Park, DDP, Dubai, United Arab Emirates.

1.2. Information About Us
Our Site, http://mariaandersencrypto.com/, is owned and operated by ANDERSEN & CO. – FZCO, a company registered in the United Arab Emirates, with license number 21083 and a registered office located at Dubai Silicon Oasis, IFZA Business Park, DDP, Dubai, United Arab Emirates.

Access to Our Site

Access to Our Site is free of charge.
It is your responsibility to make any and all arrangements necessary in order to access Our Site.
Access to Our Site is provided “as is” and on an “as available” basis. We may alter, suspend or discontinue Our Site (or any part of it) at any time and without notice. We will not be liable to you in any way if Our Site (or any part of it) is unavailable at any time and for any period.

Accounts

Certain parts of Our Site (including the ability to purchase services from Us) may require an Account to access them.
You may not create an Account if you are under 18 years of age.
When creating an Account, the information you provide must be accurate and complete. If any of your information changes later, it is your responsibility to ensure that your Account is kept up to date.
We require that you choose a strong password for your Account, consisting of at least 6 characters long and must contain characters, numbers and minimum one uppercase letter. Cannot contain whitespace. It is your responsibility to keep your password safe. If you believe your Account is being used without your permission, please contact Us immediately at dubai.lifestyle.maria.andersen@gmail.com. We will not be liable for any unauthorized use of your Account.
You must not use anyone else’s Account.
Any personal information provided in your Account will be collected, used, and held in accordance with your rights and Our obligations under the law, as set out in Clause 16.
If you wish to close your Account, you may do so at any time. Closing your Account will result in the removal of your information. Closing your Account will also remove access to any areas of Our Site requiring an Account for access.

1.3. Intellectual Property Rights

Except for User Content (see Clause 6), all Content included on Our Site and the copyright and other intellectual property rights subsisting in that Content, unless specifically labelled otherwise, belongs to or has been licensed by Us. All Content is protected by applicable United Kingdom and international intellectual property laws and treaties.
Subject to sub-Clause 5.3 you may not reproduce, copy, distribute, sell, rent, sub-license, store, or in any other manner re-use Content from Our Site unless given express written permission to do so by Us.
You may:
Access, view and use Our Site in a web browser (including any web browsing capability built into other types of software or app);
Download Our Site (or any part of it) for caching;
Print one copy of any page from Our Site;
Download extracts from pages on Our Site; and
Save pages from Our Site for later and/or offline viewing.
Our status as the owner and author of the Content on Our Site (or that of identified licensors, as appropriate) must always be acknowledged.
You may not use any Content saved or downloaded from Our Site for commercial purposes without first obtaining a license from Us (or our licensors, as appropriate) to do so.

1.4. User Content

User Content on Our Site includes (but is not necessarily limited to) comments and any other content submitted to Our Site by Users.
An Account is required if you wish to submit User Content. Please refer to Clause 4 for more information.
You agree that you will be solely responsible for your User Content. Specifically, you agree, represent and warrant that you have the right to submit the User Content and that all such User Content will comply with Our Acceptable Usage Policy, detailed below in Clause 12.
You agree that you will be liable to Us and will, to the fullest extent permissible by law, indemnify Us for any breach of the warranties given by you under sub-Clause 6.3. You will be responsible for any loss or damage suffered by Us as a result of such breach.
You (or your licensors, as appropriate) retain ownership of your User Content and all intellectual property rights subsisting therein. When you submit User Content you grant Us an unconditional, non-exclusive, fully transferrable, royalty-free, perpetual, irrevocable, worldwide license to use, store, archive, syndicate, publish, transmit, adapt, edit, reproduce, distribute, prepare derivative works from, display, perform and sub-license your User Content for the purposes of operating and promoting Our Site. In addition, you also grant Other Users the right to copy and quote your User Content within Our Site.
If you wish to remove User Content from Our Site, the User Content in question will be deleted. Please note, however, that caching or references to your User Content may not be made immediately unavailable (or may not be made unavailable at all where they are outside of Our reasonable control).
We may reject, reclassify, or remove any User Content from Our Site where, in Our sole opinion, it violates Our Acceptable Usage Policy, or If We receive a complaint from a third party and determine that the User Content in question should be removed as a result.

1.5. Links to Our Site

You may not link to Our Site from any other site without Our express written permission. Please contact Us at dubai.lifestyle.maria.andersen@gmail.com for further information.
Framing or embedding of Our Site on other websites is not permitted without Our express written permission. Please contact Us at dubai.lifestyle.maria.andersen@gmail.com for further information.

1.6. Links to Other Sites

Links to other websites, resources and tools may be included on Our Site. Unless expressly stated, these websites, resources and tools are not under Our control. We neither assume nor accept responsibility or liability for the content of third-party websites, resources and tools. The inclusion of a link to any such websites, resources and tools on our Site is for information only and we make no express or implied representations or warranties whatsoever regarding such websites, resources and tools, and links to them should not be construed as an endorsement of them or their content by us.

1.7. Disclaimers

OUR SITE (INCLUDING WITHOUT LIMITATION ANY CONTENT OR OTHER PART THEREOF) CONTAINS GENERAL INFORMATION FOR YOUR EDUCATION ONLY. WE ARE NOT, BY MEANS OF OUR SITE, RENDERING PERSONAL INVESTMENT, FINANCIAL, TAX OR LEGAL ADVICE IN ANY FORM. BEFORE MAKING ANY DECISION OR TAKING ANY ACTION THAT MIGHT AFFECT YOUR FINANCES OR BUSINESS, YOU SHOULD CONSULT A QUALIFIED PROFESSIONAL ADVISOR. BY USING OUR SITE AND CONTENT, YOU ACKNOWLEDGE AND AGREE THAT YOU ARE SOLELY RESPONSIBLE FOR YOUR OWN INVESTMENT RESEARCH AND DECISIONS.
Insofar as is permitted by law, we make no representation, warranty, or guarantee that Our Site will meet your requirements, that it will not infringe the rights of third parties, that it will be compatible with all software and hardware, or that it will be secure.
We make reasonable efforts to ensure that the content on Our Site is complete, accurate, and up to date. We do not, however, make any representations, warranties, or guarantees (whether express or implied) that the content is complete, accurate, or up to date. We disclaim all liability and responsibility for any errors or omissions in the content contained on Our Site.

1.8. Our Liability

The provisions of this Clause 10 apply only to the use of Our Site and not to the sale of services, which is governed separately by Our Terms of Sale.
Your use of Our Site is at your own risk, and you assume full responsibility and risk of loss resulting from your usage, including, without limitation, with respect to loss of service or data.
To the fullest extent permissible by law, we accept no liability to you and everyone else for any direct, indirect, special, incidental, consequential, or punitive damages or any other damages whatsoever, whether in an action of contract, statute, tort (including, without limitation, negligence), or otherwise, arising out of or in connection with the use of (or inability to use) Our Site, the use of or reliance upon any content included on Our Site and in respect of the all services provided through it, even if we were advised, knew, or should have known, of the possibility of such damages.
Our Site is provided as is, and to the fullest extent permissible by law, We exclude all representations, warranties, and guarantees (whether express or implied) that may apply to Our Site or any Content included on Our Site. Without limiting the foregoing, we do not warrant that our site will be secure, error-free, omission-free, free from viruses or malicious code, or will meet any particular criteria of performance or quality. To the fullest extent permissible by law, We expressly disclaim all implied warranties, including, without limitation, warranties of merchantability, title, fitness for a particular purpose, non-infringement, compatibility, security, and accuracy.
If you are a business user, we accept no liability for loss of profits, sales, business or revenue; loss of business opportunity, goodwill or reputation; loss of anticipated savings; business interruption; or for any indirect or consequential loss or damage.
We exercise all reasonable skill and care to ensure that Our Site is free from viruses and other malware. We accept no liability for any loss or damage resulting from a virus or other malware, a distributed denial of service attack, or other harmful material or event that may adversely affect your hardware, software, data or other material that occurs as a result of your use of Our Site (including the downloading of any Content from it) or any other site referred to on Our Site.
We neither assume nor accept responsibility or liability arising out of any disruption or non-availability of Our Site resulting from external causes including, but not limited to, ISP equipment failure, host equipment failure, communications network failure, natural events, acts of war, or legal restrictions and censorship.
The above disclaimers and limitations of liability shall be applicable not only to Us but also to each other entity within Our network and to our and their respective personnel.
The above disclaimers and limitations of liability are applicable to the fullest extent permitted by law, whether in contract, statute, tort (including, without limitation, negligence) or otherwise.

1.9. Viruses, Malware and Security

We exercise all reasonable skill and care to ensure that Our Site is secure and free from viruses and other malware.
You are responsible for protecting your hardware, software, data and other material from viruses, malware, and other internet security risks.
You must not deliberately introduce viruses or other malware, or any other material which is malicious or technologically harmful either to or via Our Site.
You must not attempt to gain unauthorized access to any part of Our Site, the server on which Our Site is stored, or any other server, computer, or database connected to Our Site.
You must not attack Our Site by means of a denial-of-service attack, a distributed denial of service attack, or by any other means.
By breaching the provisions of sub-Clauses 11.3 to 11.5 you may be committing a criminal offence under the Computer Misuse Act 1990. Any and all such breaches will be reported to the relevant law enforcement authorities, and We will cooperate fully with those authorities by disclosing your identity to them. Your right to use Our Site will cease immediately in the event of such a breach.

1.10. Acceptable Usage Policy

You may only use Our Site in a manner that is lawful and that complies with the provisions of this Clause 12. Specifically:
you must ensure that you comply fully with any and all local, national or international laws and/or regulations;
you must not use Our Site in any way, or for any purpose, that is unlawful or fraudulent;
you must not use Our Site to knowingly send, upload, or in any other way transmit data that contains any form of virus or other malware, or any other code designed to adversely affect computer hardware, software, or data of any kind; and
you must not use Our Site in any way, or for any purpose, that is intended to harm any person or persons in any way.
When submitting User Content (or communicating in any other way using Our Site), you must not submit, communicate or otherwise do anything that:
is sexually explicit;
is obscene, deliberately offensive, hateful or otherwise inflammatory;
promotes violence;
promotes or assists in any form of unlawful activity;
discriminates against, or is in any way defamatory of, any person, group or class of persons, race, sex, religion, nationality, disability, sexual orientation or age;
is intended or otherwise likely to threaten, harass, annoy, alarm, inconvenience, upset, or embarrass another person;
is calculated or is otherwise likely to deceive;
is intended or otherwise likely to infringe (or threaten to infringe) another person’s right to privacy or otherwise uses their personal data in a way that you do not have a right to;
misleadingly impersonates any person or otherwise misrepresents your identity or affiliation in a way that is calculated to deceive (obvious parodies are not included within this definition provided that they do not fall within any of the other provisions of this sub-Clause 12.2);
implies any form of affiliation with Us where none exists;
infringes, or assists in the infringement of, the intellectual property rights (including, but not limited to, copyright, patents, trade marks and database rights) of any other party; or
is in breach of any legal duty owed to a third party including, but not limited to, contractual duties and duties of confidence.
We reserve the right to suspend or terminate your access to Our Site if you materially breach the provisions of this Clause 12 or any of the other provisions of these Terms of Use. Specifically, We may take one or more of the following actions:
suspend, whether temporarily or permanently, your right to access Our Site;
issue you with a written warning;
take legal proceedings against you for reimbursement of any and all relevant costs on an indemnity basis resulting from your breach;
take further legal action against you as appropriate;
disclose such information to law enforcement authorities as required or as We deem reasonably necessary; and/or
any other actions which We deem reasonably appropriate (and lawful).
We hereby exclude any and all liability arising out of any actions (including, but not limited to those set out above) that We may take in response to breaches of these Terms of Use.
All information on Our Site, as well as Our Content are for private use only. By using our Site, you agree that you do not use, or intend to use, Our Site or Content for commercial reasons.

1.11. Privacy and Cookies

Use of Our Site is also governed by Privacy Policies. These Policies are incorporated into these Terms of Use by this reference.

1.12. Changes to these Terms of Use

We may alter these Terms of Use at any time. Any such changes will become binding on you upon your first use of Our Site after the changes have been implemented. You are therefore advised to check this page from time to time.
In the event of any conflict between the current version of these Terms of Use and any previous version(s), the provisions current and in effect shall prevail unless it is expressly stated otherwise.

1.13. Access to Our Content – Payment and Refund Policy

To sign up for Our Content, a one-time payment will be applicable. Once the fee is fully paid, you will gain full access to all materials that are included in our educational program.
Please note, that the fee cannot be divided into several payment installments.
Please be informed that once you gain full access to Our Content after the one-time payment is processed, you will no longer have the right to cancel and refund your purchase.

1.14. Contacting Us

To contact Us, please email Us at dubai.lifestyle.maria.andersen@gmail.com.

1.15. Communication from Us

If We have your contact details, We may from time to time send you important notices by email. Such notices may relate to matters including, but not limited to, service changes and changes to these Terms of Use.
We will never send you marketing emails of any kind without your express consent. If you do give such consent, you may opt out at any time. Any and all marketing emails sent by Us include an unsubscribe link. If you opt out of receiving emails from Us at any time, it may take up to 5 business days for Us to comply with your request. During that time, you may continue to receive emails from Us.
For questions or complaints about communications from Us (including, but not limited to marketing emails), please contact Us at dubai.lifestyle.maria.andersen@gmail.com.

1.16. Data Protection

All personal information that We may use will be collected, processed, and held in accordance with the provisions of EU Regulation 2016/679 General Data Protection Regulation (“GDPR”) and your rights under the GDPR.
For complete details of Our collection, processing, storage, and retention of personal data including, but not limited to, the purpose(s) for which personal data is used, the legal basis or bases for using it, details of your rights and how to exercise them, and personal data sharing (where applicable), please refer to Our Privacy Policy.

1.17. Law and Jurisdiction

These Terms of Use, and the relationship between you and Us (whether contractual or otherwise) shall be governed by and construed in accordance with the law of the United Arab Emirates.
If you are a consumer, you will benefit from any mandatory provisions of the law in your country of residence. Nothing in Sub-Clause 18.1 above takes away or reduces your rights as a consumer to rely on those provisions.
If you are a consumer, any dispute, controversy, proceedings or claim between you and Us relating to these Terms of Use, or the relationship between you and Us (whether contractual or otherwise) shall be subject to the jurisdiction of the courts of the United Arab Emirates.
If you are a business, any disputes concerning these Terms of Use, the relationship between you and Us, or any matters arising therefrom or associated therewith (whether contractual or otherwise) shall be subject to the exclusive jurisdiction of the courts of the United Arab Emirates.