Terms & Conditions

Summary

Set out below are important points for you to note when using our Services. These summary points are for your reference only.

You should read all our Terms and Conditions before using any of our Services

• Use of our Site is subject to all of our Terms and Conditions and Privacy Policy. If you do not, or cannot agree to both, please stop using the Site immediately.
• You may only use our Site for your own personal use or, if you are a business user, for legitimate business comparison purposes.
• Our comparison Services are free to use. If you purchase a product or Service via a third party through our Site, we may receive a fee or commission from the provider.
• You are solely responsible to ensure that any product or Service you choose meets your needs and need to conduct your own due diligence.
• If you purchase a product or Service through our Site, you should carefully read the providers Terms and Conditions and Privacy Policy as it will differ from ours.

Introduction and definitions

These Terms and Conditions, together with our Privacy Policy, set forth the general Terms and Conditions (also mentioned as “Terms”) that apply to your access and use of all Cedolo.com products and Services (together, the “Cedolo.com Services” or “Services”), that are made available through our Sites including but not limited to all content and Services provided in the domain Cedolo.com, as well as through certain downloadable mobile applications or platforms that are authorized by Cedolo.com for providing our Services (together, the “Site”, or “Website”). “Cedolo.com” includes Cedolo.com, Inc. and its officers, directors, employees, consultants, affiliates, subsidiaries and agents.

By using or accessing the Cedolo.com Services you agree to these Terms, according to their latest updated version.

Company information

In these Terms and Conditions, “we”, “us”, “our”, “Cedolo”, refers to Cedolo.com, a trading name of Codeworks Ltd, a company registered in Finland, with the headquarters located at Juhana Herttuan puistokatu 3, Turku.

“product” “service” or “service provider” means the manufacturer, supplier, distributor or provider of any service or product that is available on our Site.

“you” and “your” means the person who accesses and uses our Site.

Acceptance of these Terms and Conditions

If you access and use our Site, you agree to be bound by and act in accordance with these Terms and Conditions and our Privacy Policy. If you do not, or cannot, agree to these Terms and Conditions or our Privacy Policy, you are not permitted to access and use the Site and you should immediately stop using or accessing the content. If you are in breach of these Terms and Conditions, your right to access and use the Site will cease immediately.

Our Services

Cedolo.com is primarily a comparison Service that can be used to compare different financial services or products based on different available information. On our comparisons we can provide information such as contact info, interest rates, ratings, reviews and product descriptions among others. Other parts of our Service may also include, but not limited to financial news, general or specific financial information, saving tips and more.

The Cedolo.com Services may also include, access to third party rewards programs; platforms that enable users to locate and contact 3rd party financial Services, as well as professionals, such as third party experts, advocates, and advisors, who can provide various Services; discussion forums, community forums, bulletin boards, review Services, and forums in which users may ask questions of third party advisors; and platforms that enable users to apply to pre-qualify for certain credit card or loan offers.

We try to provide accurate information for each Service shown on our Site, but you understand that we are not liable if such information is not accurate. You have the obligation to conduct your own due diligence from several internal and external sources for each Service you are considering as a customer.

In order to get a financial product result through our comparison Service, you may be required to provide certain information, such as by choosing specific search parameters or by answering questions. The information that you give will determine the products or Services available to you. You must get permission from any other person/company whose details you propose to use in requesting a financial product, before you provide us with any of their information. This applies to all information that you provide. In submitting any other person’s details, you are confirming to us that you have their permission to do so, and that they understand how their information will be used. You are solely responsible to ensure that you answer all questions honestly and that all information you enter onto Cedolo.com is true, accurate and complete.

We have taken every reasonable step to make sure the information contained in this Site is accurate and up to date. However, we can accept no liability for any errors or omissions. We reserve the right to add, amend or delete information from this site at any time. Whilst we take every reasonable step to counteract viruses and other things with contaminating or destructive properties, we can give no warranty that this site and its content are free from viruses or anything else that has such contaminating or destructive properties.

We are not responsible for any commentary, opinions, ratings or other postings on our Site by any third party.

Account Information

To use the Services you must (i) be at least eighteen (18) years of age; (ii) have not previously been suspended or removed from the Services; and (iii) register for and use the Services in compliance with any and all applicable laws and regulations.

Commercial use

This Site is for non-commercial use, meaning it is only for personal use or for use by a business to seek a product directly for that business only. Unauthorised commercial or bulk use may slow down the speed of the Service we can provide for our customers. We will monitor the use of our Services. If we detect commercial or bulk usage before we have sent the results of our search, we may abort the search. In any event, we reserve the right to act against those using our Service in an unauthorised way, to prevent disruption of our Service to genuine customers, and to recover any losses we suffer.

Termination

If you violate any of the Terms, your permission to use the Services will automatically terminate. In addition, Cedolo.com in its sole discretion may suspend or terminate your user account and/or suspend or terminate some or all your access to the Services at any time, with or without notice to you. You may terminate your account at any time by contacting Customer Service at team@Cedolo.com. After your account is terminated, information and content previously provided by you will no longer be accessible through your account, but Cedolo.com may continue to store such information and content, and it may also be stored by third parties to whom it has been transferred through your use of the Services.

Third-party Services

As we work with many providers it is important that you read the provider’s Terms and conditions, and that you agree with them before purchasing your product or Service as they will differ to ours. Once you have purchased a product, it is important that you check your details to match those you provided to us. You should also read all documents issued to you by your selected provider and ensure that you are aware of any levels of cover, financial limits and any other Terms that apply. If any information is not correct, it is your responsibility to identify the mistake and correct this with the provider directly.

Companies may change their loan information, such as prices, rates or other information on a regular basis. Please directly contact those companies to get the latest, accurate price for your inquiry. We are not responsible for the accuracy of the prices that will be given to you, and that is why it is necessary to do your own diligence.

You can link to other sites by means of hyperlinks published on our Site or emailed to you as part of our Service. These sites are owned and operated by third parties. We accept no liability for any statements, information, products or services that are published on or may be accessible through third-party Sites, as this is outside our control.

Some of the Services involve advice from third parties and third-party content. You agree that any such advice and content is provided for information, education, and entertainment purposes only, and does not constitute legal, financial, tax planning, medical, or other advice from Cedolo.com. You agree that Cedolo.com is not liable for any advice provided by third parties. You agree that you are responsible for your own financial research and financial decisions, and that Cedolo.com is not responsible or liable for any decisions or actions you take or authorize third parties to take on your behalf based on information you receive as a user of Cedolo.com.

The Services may contain links to third-party sites and other services. Cedolo.com provides such links as a convenience and does not control or endorse these Sites and Services. You acknowledge and agree that Cedolo.com has not reviewed the content, advertising, products, services, or other materials that appear on such third party Sites or Services, and is not responsible for the legality, accuracy, or appropriateness of any such content, and shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of any such third party Sites or Services.

Forum

Community Guidelines

You agree not to:

• Use the Services for any illegal purpose, or in violation of any local, state, national, or international law;
  Violate or encourage others to violate the rights of third parties, including intellectual property rights;
• Post, upload, or distribute any content that is unlawful, defamatory, libellous, inaccurate, or that a reasonable person could deem to be objectionable, profane, indecent, pornographic, harassing, threatening, hateful, or otherwise inappropriate;
• Interfere in any way with security-related features of the Services;
• Interfere with the operation or any user’s enjoyment of the Services, including by uploading or otherwise disseminating viruses, adware, spyware, worms, or other malicious code, making unsolicited offers or advertisements to other users, or attempting to collect personal information about users or third parties without their consent;
• Access, monitor or copy any content or information of the Site using any robot, spider, scraper, or other automated means or any manual process for any purpose without our express written permission;
• Perform any fraudulent activity, including impersonating any person or entity, claiming false affiliations, accessing the accounts of other users without permission, or falsifying your identity or any information about you, including age or date of birth; or
• Sell or otherwise transfer the access granted herein.

Intellectual property rights

The copyright in the material contained in this Site belongs to Cedolo.com and Codeworks ltd. Any private individual may print off a copy of any part of this material for their own personal use, subject to the following conditions:

• The material may not be used for any commercial purposes;
• The copy must retain any copyright or other intellectual property notices contained in the original material;
• The technology or processes utilised by or described in this Site may be subject to other intellectual property rights reserved by Inspop.com Limited (on which see the section headed “Intellectual Property Rights” below);
• Images on this Site are protected by copyright and may not be reproduced or appropriated in any manner without the written permission of their respective owner(s)
• No logos, trademarks or Service marks appearing on the site may be printed off or copied, except as part of the text of which they form part.
• Any logos, trademarks, Service marks and domain names and all related intellectual property rights, of the companies whose sites we search in providing the Service, belong to those companies, and you may not reproduce them without their prior written consent. Except for them, all intellectual property rights including, without limitation, all logos, trademarks, Service marks, domain names, database rights, rights in design, rights in know-how, patents and rights in inventions (in all cases whether registered or unregistered and including all rights to apply for registration) and all other intellectual or industrial property rights in any jurisdiction in any information, content, materials, data or processes contained in or underlying this Site and/or the Service we provide belong to Cedolo.com Limited.
• All rights of Cedolo.com Limited in such intellectual property rights are hereby reserved.

You represent and warrant that you own or otherwise have the right to use any content you post to the Services. If you believe that your content has been used in a way that constitutes copyright infringement, you may contact us at team@Cedolo.com addressing in detail the issue.

You must provide the following information: an electronic or physical signature of the copyright owner or the person authorized to act on behalf of the copyright owner; a description of the copyrighted work that you claim has been infringed; a description of where the material that you claim is infringing is located; your address, telephone number, and email address; a written statement that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf. Cedolo.com has adopted and implements a policy that provides for termination in appropriate circumstances of accounts of users who repeatedly infringe copyright or other intellectual property rights of Cedolo.com or others.

Modifications

Modification of the Terms

Cedolo.com reserves the right at any time to modify these Terms and to impose new or additional Terms or conditions on your use of the Services. Such modifications and additional Terms and conditions will be effective immediately upon notice and incorporated into these Terms. We will make reasonable efforts to notify you of any material changes to the Terms, including, but not limited to, by posting a notice to our Site or by sending an email to any address you may have provided to us. Your continued use of the Services following notice will be deemed acceptance of any modifications to the Terms.

Modification of the Services

Cedolo.com reserves the right to modify or discontinue, temporarily or permanently, some or all the Services at any time without any notice or further obligation to you. You agree that Cedolo.com will not be liable to you or to any third party for any modification, suspension, or discontinuance of any of the Services.

Warranties & Liability

Disclaimers of Warranties

The Services are provided “as is” and on an “as available” basis, without warranty or condition of any kind, either express or implied. Although Cedolo.com seeks to maintain safe, secure, accurate, and well-functioning Services, we cannot guarantee the continuous operation of or access to our Services, and there may at times be inadvertent technical or factual errors or inaccuracies.

a) No Warranties

Cedolo.com specifically (but without limitation) disclaims (i) any implied warranties of merchantability, fitness for a particular purpose, quiet enjoyment, or non-infringement; and (ii) any warranties arising out of course-of-dealing, usage, or trade. You assume all risk for any/all damages that may result from your use of or access to the Services. Cedolo.com is not responsible for the loss of, damage to, or unavailability of any information you have made available through the Services, and you are solely responsible for ensuring that you have backup copies of any information you have made available through the Services.

b) No Guarantee of Accuracy.

Cedolo.com does not guarantee the accuracy of, and disclaims all liability for, any errors or other inaccuracies in the information, content, recommendations, and materials made available through the Services.

c) Services Provided for Informational Purposes.

The information provided through the Services is provided solely for informational, educational, or entertainment purposes. Cedolo.com is not a financial institution or insurance provider. Cedolo.com makes no representations, warranties, or guarantees, express or implied, regarding the results or savings that may be obtained using the Services. Before making any financial decisions or implementing any financial strategy, including recommendations of third parties identified through the Services, Cedolo.com recommends that you obtain additional information and advice of accountants or other financial advisors who are fully aware of your individual circumstances.

d) No Warranties Regarding Third Parties.

Cedolo.com makes no representations, warranties, or guarantees, express or implied, regarding any third-party Service or advice provided by a third party, or any quotes or offers provided through the Services. Cedolo.com does not endorse any advisor or other third party. Cedolo.com acts solely as an intermediary between you and third-party Service providers and expressly disclaims any and all liability for any content, products, or Services provided by such Service providers. See Section above, for more information regarding third parties and third-party Services.

Limitation of Liability

In no event will Cedolo.com be liable to you for any incidental, special, consequential, direct, indirect, or punitive damages, whether based on warranty, contract, tort (including negligence), statute, or any other legal theory, whether or not Cedolo.com has been informed of the possibility of such damage. Some jurisdictions do not allow the disclaimer of warranties or limitation of liability in certain circumstances. Accordingly, some of the above limitations may not apply to you.

You understand that by entering into this agreement, you and Cedolo.com are each waiving the right to a trial by jury or to participate in a class action.

Indemnification

You agree that you will be personally responsible for your use of the Services, and you agree to defend, indemnify, and hold harmless Cedolo.com from and against any and all claims, liabilities, damages, losses, and expenses (including attorneys’ and accounting fees and costs), arising out of or in any way connected with (i) your access to, use of, or alleged use of the Services; (ii) your violation of the Terms or any applicable law or regulation; (iii) your violation of any third party right, including without limitation any intellectual property right, publicity, confidentiality, property, or privacy right; or (iv) any disputes or issues between you and any third party. Cedolo.com reserves the right, at our own expense, to assume the exclusive defence and control of any matter otherwise subject to indemnification by you, and in such case, you agree to cooperate with our defence of such claim.

Disputes

If you wish to raise a formal dispute you can do so through the European Commission’s Online Dispute Resolution procedure. This procedure will help you to access the appropriate dispute resolution body. Cedolo.com cannot accept liability for errors made by the selected provider or answer complaints on their behalf.

Terms Remarks

a) Entire Agreement

These Terms, together with the Privacy Policy constitute the entire and exclusive understanding and agreement between you and Cedolo.com regarding your use of and access to the Services, and except as expressly permitted above may only be amended by a written agreement signed by authorized representatives of the parties.

b) No Waiver

The failure to require performance of any provision shall not affect our right to require performance at any time thereafter, nor shall a waiver of any breach or default of the Terms constitute a waiver of any subsequent breach or default or a waiver of the provision itself.

c) Document Format

Use of paragraph headers or other formatting options in the Terms is for convenience only and shall not have any impact on the interpretation of provisions.

d) Severability

If any part of the Terms is held to be invalid or unenforceable, the unenforceable part shall be given effect to the greatest extent possible and the remaining parts will remain in full force and effect.

Contacting us

If at any time you would like to contact us, you can send us by using the contact form here.

Language of the Terms

The language of the entire Terms documents, including the Privacy Policy is English. Where Cedolo.com has provided a translation of the English version of any part of the Terms, you agree that the translation is provided for your convenience only and that the English language version of the Terms will govern your relationship with us and the services that we provide to you. If there is any contradiction between the English language version of the Terms and its translation, then the English language version will take precedence.

Last Update

These Terms and Conditions were last updated on October 11th, 2021