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P2B Finance connects investors and business entities
P2B FINANCE LTD ("P2B Finance", "we," "us," "our" or the "Company") operate the website located at p2b.finance (www.p2b.finance) (the "Site"). Our mission is to connect entrepreneurs and business entities ("Founders") who are looking working capital for existing business or working on innovative new businesses ("Borrowers") with people who may be able to provide financing, advice and other support to those Founders ("Investors").
P2B Finance also provides supplementary materials that educate both Founders and Investors about the nature of entrepreneurship, the process and perils of investing in companies and "crowdfunding" – the funding of a project or venture by raising small amounts of money from a large number of people. The services, features, content or applications that may be offered from time to time by P2B Finance in connection with the Site and/or P2B Finance's business are collectively referred to as the "Services."
1Acceptance of the General Terms and Conditions of Service; Changes
By accessing the Site and/or using the Services, you agree to be bound by all of the provisions of the General Terms and Conditions of Service (the "GTC"). IF YOU DO NOT ACCEPT AND AGREE TO ALL OF THE PROVISIONS OF THE GTC, OR IF YOU ARE NOT ELIGIBLE, YOU ARE NOT AUTHORIZED TO ACCESS THE SITE OR USE THE SERVICES.
As is true of most web sites, we gather certain information automatically and store it in log files. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data. We use this information, to analyze trends, to administer the site, to track users’ movements around the site and to gather demographic information about our user base as a whole.
As used in the GTC, the terms "you" and "your" mean each individual or entity that accesses, browses or uses the Site and/or the Services in any manner. If you are accessing the Site and/or using the Services on behalf of an entity, you represent and warrant to P2B Finance that you have the authority to bind the entity you represent to the GTC. Your agreement to this GTC will be treated as the agreement of the entity you represent.
P2B Finance may modify the GTC or add or remove terms at any time, and each such modification, addition or deletion will be effective immediately upon posting on the Site. Your use of the Site or the Services following any such posted modification, addition or deletion constitutes your agreement to be bound by and your acceptance of the GTC as so modified. It is therefore important that you review the GTC regularly. IF YOU DO NOT AGREE TO BE BOUND BY ALL OF THE TERMS OF THE MODIFIED GTC, YOU ARE NOT AUTHORIZED TO ACCESS THE SITE AND/OR USE THE SERVICES, AND YOU MUST IMMEDIATELY DISCONTINUE DOING SO.
Your access to and/or use of certain portions of the Site and certain of the Services will require you to accept terms and conditions applicable to such Services.
You may only use the Site and the Services if you are at least 13 years of age. If you are under the age of 18 or under the age of majority in the jurisdiction in which you are located, you may only use the Site and the Services under the supervision of a parent or legal guardian. You may not use the Site if you are under 13 years of age. P2B Finance reserves the right to require you to provide P2B Finance with proof of your age and, if applicable, approval of your use of the Site and the Services by your parent/legal guardian. P2B Finance may terminate your access to and use of the Site and the Services without warning if it determines that you do not meet the foregoing eligibility requirements.
4Access to the Site and the Services
4.1 General Access
Subject to your compliance with the Agreement, P2B Finance hereby grants to you a limited, non-transferable, non-exclusive right to access and use its proprietary, commercially available, hosted software product and related documentation via a Web-browser for use during the term of the Agreement. P2B Finance hosts and retains control over the software and only makes it available for access and use by you over the Internet through a Web-browser. Nothing in this Agreement obligates P2B Finance to deliver or make available any copies of computer programs or code from the software to you, whether in object code or source code form. You may not rent, lease, distribute, or resell the software, or use the software as the basis for developing a competitive solution (or contract with a third party to do so), or remove or alter any of the logos, trademark, patent or copyright notices, confidentiality or proprietary legends or other notices or markings that are on or in the software.
4.2 Registered Users
In order to access or use certain Services you must become a "Registered User" by creating an account (an "Account") and choosing a password that you will use to access your Account. By registering, you represent and warrant to the Company that all registration and other information you submit to or through the Site is truthful, accurate, current and complete, and you agree to immediately provide corrected information if any of the submitted information shall no longer be truthful, accurate, current and complete. You further represent and warrant that your use of the Site and the Services does not violate any applicable laws, rules or regulations. Without limiting any of P2B Finance's other available legal remedies, if you provide any registration or other information that is untrue, inaccurate, or incomplete, or P2B Finance has reasonable grounds to suspect that such is the case, P2B Finance may immediately, and without notice to you, suspend or terminate your Account and refuse any and all use by you of the Site and the Services. Your registration on the Site and your use of the Site and the Services are void where prohibited.
You are solely responsible for safeguarding the confidentiality of your password and for any and all use of your Account and password, whether or not authorized by you. Although P2B Finance will not be liable for any of your losses that are caused by any unauthorized use of your Account, you may be liable for the losses of P2B Finance or others due to such unauthorized use. If you suspect any unauthorized use of your Account or unauthorized access to your password, please contact P2B Finance immediately at firstname.lastname@example.org. You do not have the right to transfer your Account to any individual or entity and P2B Finance reserves the right to remove or reclaim your Account if P2B Finance determines, in its sole discretion, that such action is appropriate under the circumstances. You agree that you will not create an Account for any individual other than yourself (or, if applicable, the entity you represent). As a Registered User, you agree that P2B Finance may electronically provide you (via email or postings or links on the Site) with invoices, documents, notices and other communications regarding the Site, the Services and/or your use thereof, as well as special offers, promotions, commercial advertisements, marketing materials, etc. You agree that P2B Finance may send the foregoing communications to you via your Account or any email address(es) which you provide to P2B Finance as part of your Account registration or otherwise.
5Use of the Site and Services
5.1.1. You agree that you will use the Services solely in a manner consistent with this Agreement and the P2B Finance mission described above. You assume all risk when using the Site and the Services, and you acknowledge that the Company cannot guarantee and does not promise any specific results from your use of the Site and the Services.
5.1.2. While some of the Services relate to legal, tax, investment or accounting matters, neither we nor any of the professionals providing such content are providing professional advice to you, and you acknowledge that there is no professional relationship (including without limitation any attorney-client relationship) between you and any of the same, unless you and such party specifically agree otherwise.
5.1.3. The information and services provided on the Site are not provided to, and may not be used by, any person or entity in any jurisdiction where the provision or use thereof would be contrary to applicable laws, rules or regulations of any governmental authority or where P2B Finance is not authorized to provide such information or services. Some products and services described in the Site may not be available in all jurisdictions or to all users.
5.1.4. You represent and warrant to P2B Finance that: you own all rights in and to the content posted by you on, through or in connection with the Site or the Services, or otherwise have all the rights, power and authority legally required to grant P2B Finance the rights in your User Content pursuant to the GTC and the Additional Terms; and the posting of your User Content on or through the Site does not violate the GTC or violate the privacy rights, publicity rights, intellectual property rights (including, without limitation, copyrights and trademarks), contract rights or any other rights of any person or entity, whether or not such person or entity is depicted or appears/performs in your User Content. You agree that you are solely responsible for the User Content that you post on or through the Site and any material or information that you transmit to other users of the Site or the Services.
5.1.5. You agree that P2B Finance has the right to perform all technical functions necessary to offer the Services, including, but not limited to, processing and transmitting email communications to and from you, and transcoding and/or reformatting your User Content. You do not have the right to use, copy or distribute any of the content posted on the Site, except as expressly authorized by the GTC. Any violation by you of the forgoing prohibitions may result in the termination of your Account and your right to use the Site and the Services.
5.2 Your Conduct When Using the Site and the Services
5.2.1. As a condition of your access to the Site and use of the Services, you are prohibited from taking any action that would violate the content and conduct standards set forth in Section 6 below. In addition and not in limitation of the prohibited actions set forth in Section 6 below, you agree that you will not (a) employ any device, scheme, or artifice to defraud or (b) engage in any act, practice, or course of business which operates or would operate as a fraud or deceit upon any person.
5.2.2. P2B Finance reserves the right, but is under no obligation or duty, to at any time, and without notice, monitor activity on the Site to determine compliance with the GTC or to comply with any law, regulation or authorized government request. You hereby specifically agree to such monitoring. In the event that P2B Finance does monitor the Site or the Services, P2B Finance makes no representation or warranty that P2B Finance will take any action whatsoever in connection with any of the monitored activities and P2B Finance assumes no liability with respect thereto.
5.3 Your Interactions with Other Users
5.3.1. P2B Finance uses various techniques to verify the accuracy of the information provided by users. However, in view of the limitations in verification on the Internet, P2B Finance cannot confirm the identity of users. We encourage you to use the various tools and content available on the Site, as well as elsewhere, to evaluate the users with whom you are dealing.
5.3.2. You acknowledge that there are risks of dealing with other users acting under false pretenses, and you assume the risks of liability or harm of any kind in connection with transactions of any kind relating to goods and/or services that are the subject of transactions using the Site. Such risks shall include, but are not limited to, misrepresentation of information about a user or a Startup, breach of warranty, breach of contract, and violation of third-party rights and consequent claims. You agree that P2B Finance shall not be liable or responsible for any damages, liabilities, costs, harms, inconveniences, business disruptions or expenditures of any kind that may arise as a result of or in connection with any transactions with others using the Site.
As a condition of your access to the Site and use of the Services, you are prohibited from (i) posting, uploading, exhibiting, communicating or distributing content which violates any applicable laws, rules or regulations or which P2B Finance, in its sole and absolute discretion, deems to be inappropriate and (ii) engaging in conduct which violates any applicable laws, rules or regulations or which P2B Finance, in its sole and absolute discretion, deems to be inappropriate. Examples of such prohibited content and prohibited conduct include, without limitation, the following:
7Pricing and Payment
P2B Finance reserves the right to charge fees for use of the Site or specific Services, and may change the fees that it charges. Before you pay any fees, you will have an opportunity to review and accept the fees that you will be charged. All fees are in EURO and are non-refundable. You agree that, in addition to all other amounts payable under the GTC, you are responsible for paying all sales, use, value added or other taxes, that are levied or imposed by reason of your use of the Site and the Services. P2B Finance will charge the payment method you specify at the time of purchase. You authorize P2B Finance to charge all sums as described on the Site for the Services you select, to that payment method. If you pay any fees with a credit card, P2B Finance may seek pre-authorization of your credit card account prior to your transaction to verify that the credit card is valid and has the necessary funds or credit available to cover your transaction.
8.1 P2B Finance Proprietary Property
The Site and the Services are and contain proprietary property/content of P2B Finance (such as logos, copyrights, trademarks, technology, processes, etc.) ("P2B Finance Proprietary Property") which may be protected by copyright, trademark, patent, trade secret and other laws. P2B Finance owns and retains all rights in and to the P2B Finance Proprietary Property. "P2B Finance" and the P2B Finance logo are trademarks of P2B FINANCE LTD. P2B Finance hereby grants you a limited, revocable, nonsublicensable license to display and/or utilize the P2B Finance Proprietary Property solely for your use in connection with using the Site and the Services for the purposes (if any) authorized by GTC. Except as explicitly permitted in the GTC, you do not have the right to use the P2B Finance Proprietary Property for any commercial use or to receive any monetary or other compensation in connection with the P2B Finance Proprietary Property. Except as expressly provided by the GTC, your use of the P2B Finance Proprietary Property is strictly prohibited.
8.2 Third Party Proprietary Property
The Services may contain proprietary property/content provided by third party P2B Finance licensors (such as logos, copyrights, trademarks, etc.) ("Third Party Proprietary Property"). Unless otherwise expressly provided by the GTC, your use of the Third Party Proprietary Property is strictly prohibited.
8.3 Use of Proprietary Property
Unless expressly provided by the GTC, you may not copy, modify, edit, translate, publish, broadcast, transmit, distribute, perform, display, sell or otherwise use any P2B Finance Proprietary Property, any Third Party Proprietary Property or any other content appearing on or through the Site. You acknowledge that P2B Finance is not responsible for, does not control and makes no representation or warranty regarding the reliability, accuracy, usefulness, safety, legitimacy or quality of any content. P2B Finance does not endorse any content on the Site or any statement, opinion, suggestion or advice contained therein, and P2B Finance expressly disclaims any and all liability in connection therewith. You agree that you will bear any and all risk of reliance on the accuracy, validity or legitimacy of any content on the Site. You further understand and agree that in the course of your use of the Site and the Services, you may be exposed to content on the Site that is illegal, inaccurate, offensive, indecent or objectionable and you hereby waive, any legal or equitable rights or remedies you have or may have against P2B Finance with respect thereto.
9Links to Third Party Sites
the Site and the Services may contain links to independent third-party websites and/or services (collectively, "Linked Sites"). The Linked Sites are not under P2B Finance's control, and P2B Finance does not endorse, is not responsible for and shall have no liability to you with respect to the business practices, privacy policies or content, materials, information, merchandise, products or services displayed, featured, mentioned, advertised, distributed or sold on or through such Linked Sites. By accessing a Linked Site, you may be disclosing your private information and be exposing yourself to content that you find disturbing. It is your responsibility to read and understand the privacy, membership, payment and other policies of the Linked Sites and to determine on your own whether or not you will have any interaction with any of the Linked Sites. P2B Finance encourages you not to provide any personally identifiable information to any Linked Site unless you know and are comfortable with the party with whom you are interacting. You agree that P2B Finance is not responsible for and shall have no liability to you, with respect to merchandise, products, and/or services advertised, featured, mentioned, sold, distributed, displayed or linked on or through the Site or the Services.
10Disclaimer; Exclusion of Warranties
P2B FINANCE PROVIDES ITS USERS WITH A SELECTION OF SERVICES, TOOLS AND RESOURCES WITH THE GOAL OF CONNECTING ENTREPRENEURS WITH INVESTORS WHO MAY BE ABLE TO PROVIDE FINANCING, ADVICE AND OTHER SUPPORT TO THEIR STARTUPS. P2B FINANCE IS NOT A "BROKER," "DEALER" OR "FUNDING PORTAL". P2B FINANCE DOES NOT ENDORSE ANY THIRD PARTIES, OR THIRD PARTY CONTENT, INCLUDING, WITHOUT LIMITATION, ANY STARTUP SEEKING TO RAISE CAPITAL THROUGH THE SITE OR USING THE SERVICES. P2B FINANCE MERELY SERVES AS A PLATFORM FOR INTERACTIONS BETWEEN ENTREPRENEURS OR STARTUPS AND INVESTORS. P2B FINANCE IS NOT INVOLVED IN THE ACTUAL TRANSACTIONS BETWEEN ENTREPRENEURS OR STARTUPS AND INVESTORS. P2B FINANCE IS NOT RESPONSIBLE FOR ANY INVESTMENT OR OTHER DECISIONS MADE BY ANY INDIVIDUAL OR ENTITY IN CONNECTION WITH ANY OPPORTUNITY POSTED ON OR THROUGH THE SITE OR THE SERVICES.
THE SITE AND THE SERVICES, AND ALL OF THE CONTENT, INFORMATION, COACHING, ADVICE, FEEDBACK AND MATERIALS POSTED ON OR PROVIDED BY OR THROUGH THE SITE OR THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, ANY WARRANTY OF ACCURACY OR FITNESS FOR A PARTICULAR PURPOSE. BY USING THE SITE AND/OR THE SERVICES, YOU AGREE TO USE YOUR OWN JUDGMENT, CAUTION AND COMMON SENSE IN MANAGING ALL CONTENT, INFORMATION, COACHING, ADVICE, FEEDBACK AND MATERIALS OFFERED AND YOU AGREE THAT ANY USE YOU MAKE OF SUCH CONTENT, INFORMATION, COACHING, ADVICE, FEEDBACK OR MATERIALS IS AT YOUR OWN RISK. YOU ACKNOWLEDGE THAT P2B FINANCE DOES NOT EVALUATE OR GUARANTEE AND SHALL NOT BE RESPONSIBLE FOR THE, INFORMATION, COACHING, ADVICE AND/OR FEEDBACK SERVICES GIVEN THROUGH THE SITE OR THE SERVICES. P2B FINANCE IS NOT RESPONSIBLE FOR ANY DAMAGES OR LOSSES RESULTING FROM YOUR RELIANCE ON ANY OF THE FOREGOING CONTENT, INFORMATION, COACHING, ADVICE, FEEDBACK OR MATERIALS.
P2B FINANCE IS NOT RESPONSIBLE FOR AND MAKES NO WARRANTIES, EXPRESS OR IMPLIED, AS TO ANY USER OR THIRD-PARTY CONTENT POSTED ON, THROUGH OR IN CONNECTION WITH THE SITE OR THE SERVICES, INCLUDING, WITHOUT LIMITATION, ANY CONTENT THAT IS UNAUTHORIZED OR VIOLATES THE GTC OR THE ADDITIONAL TERMS, AND SUCH CONTENT DOES NOT NECESSARILY REFLECT THE OPINIONS OR POLICIES OF P2B FINANCE. UNDER NO CIRCUMSTANCES SHALL P2B FINANCE BE RESPONSIBLE FOR ANY LOSS OR DAMAGE, INCLUDING, WITHOUT LIMITATION, PERSONAL INJURY OR DEATH, RESULTING FROM USE OF THE SITE OR THE SERVICES, FROM ANY CONTENT POSTED ON THE SITE OR THROUGH THE SERVICES (WHETHER SUCH CONTENT VIOLATES THE GTC OR ADDITIONAL TERMS OR NOT), FROM ANY SERVICES OFFERED THROUGH THE SITE OR FROM THE CONDUCT OF ANY USER OF THE SITE OR THE SERVICES OR ANY USER OF ANY LINKED SITE (REGARDLESS OF WHETHER SUCH CONDUCT VIOLATES THE GTC OR ADDITIONAL TERMS, OR WHETHER SUCH CONDUCT IS ONLINE OR OFFLINE).
P2B FINANCE ASSUMES NO RESPONSIBILITY FOR ANY ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMMUNICATIONS LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, OR ALTERATION OF, ANY OF YOUR COMMUNICATIONS ON OR THROUGH THE SITE. P2B FINANCE IS NOT RESPONSIBLE FOR ANY MALFUNCTION OR OTHER PROBLEM WITH ANY TELEPHONE NETWORK, TELEPHONE LINES, COMPUTER ONLINE SYSTEMS, SERVERS, INTERNET SERVICE PROVIDERS, COMPUTER EQUIPMENT, SOFTWARE, OR FAILURE OF ANY EMAIL OR PLAYERS, INCLUDING, WITHOUT LIMITATION, ANY PERSONAL INJURY OR PROPERTY DAMAGE. P2B FINANCE DOES NOT GUARANTEE ANY RESULTS (SPECIFIC OR OTHERWISE) FROM YOUR USE OF THE SITE OR THE SERVICES AND P2B FINANCE MAKES NO REPRESENTATION OR WARRANTY THAT THE SITE, THE SERVICES OR THE INFORMATION OR SERVICES PROVIDED THEREBY WILL MEET YOUR REQUIREMENTS. IF YOU ARE IN ANY WAY DISSATISFIED WITH THE SITE OR THE SERVICES, YOUR SOLE REMEDY IS TO DISCONTINUE YOUR USE OF THE SITE AND/OR THE SERVICES. P2B FINANCE DISCLAIMS ANY AND ALL LIABILITY OF ANY KIND FOR ANY UNAUTHORIZED ACCESS TO OR USE OF ANY OF YOUR PERSONALLY IDENTIFIABLE INFORMATION. BY ACCESSING THE SITE, YOU AGREE THAT P2B FINANCE SHALL NOT BE LIABLE FOR ANY UNAUTHORIZED ACCESS TO OR USE OF ANY OF YOUR PERSONALLY IDENTIFIABLE INFORMATION.
You may terminate your account at any time by contacting P2B Finance at email@example.com. If you terminate your account, you remain obligated to pay all outstanding fees, if any, incurred prior to termination relating to your use of the Services. If you violate any provision of this GTC, your permission from P2B Finance to use the Services will terminate automatically. In addition, P2B Finance may in its sole discretion terminate your user account for the Site or Services or suspend or terminate your access to the Site or Services at any time for any reason or no reason, with or without notice. P2B Finance also reserves the right to modify or discontinue the Service at any time (including by limiting or discontinuing certain features of the Service), temporarily or permanently, without notice to you. We will have no liability whatsoever on account of any change to the Service or any suspension or termination of your access to or use of the Service.
12Your Responsibilities as an Investor
You are a self-directed investor who is individually responsible for determining the suitability of your investment decisions. P2B Finance is not responsible for the investment decisions made by you or on your behalf. P2B Finance is not responsible for the strategies, actions or inactions taken with respect to your investments. P2B Finance is not responsible for the gains or losses you incur. The employees, agents and representatives of P2B Finance are not authorized to give you investment advice, and any instructions you receive from P2B Finance will be limited to technical or administrative guidance.
You assume individual responsibility for determining the suitability of all investment decisions and strategies you make or implement. You must base your investment decisions upon all information reasonably available to you and your own assessment of risks and rewards. You are solely responsible for knowing the rights and terms for all investments you make with P2B Finance assistance.