The user/Purchaser/Seller shall:

• Maintain a fair refund, cancellation or adjustment policy;
• Disclose its return or cancellation policy to Buyers,
• Not give cash refunds to its Buyers in connection with a card sale, unless required by law, (and)
• Not accept cash or kind of value for preparing a card sale refund.

The amount of the refund/adjustment must include any associated taxes required to be refunded and cannot exceed the amount shown as the total on the original sales data except by the exact amount required to reimburse the Customer for postage that the Customer paid to return the merchandise. If the Customer accepts returns and makes an uneven exchange of Products (e.g., the sales price is not the same), you must issue a credit for the total amount of the Products being returned and the Users must made a new sale for any new Products. Please be aware, that if your refund policy prohibits returns or is unsatisfactory to the Customer, you may still receive a chargeback relating to such sales transactions.

FINSOL (Pty) Limited IS NOT OBLIGED TO INFORM OR NOTIFY OF THE CHANGE IN CONTENT OR GRAPHICS OR PICTURES OR ILLUSTRATIONS ON THE WEBSITE. FINSOL (Pty) Limited CANNOT BE HELD RELIABLE FOR ANY FORM OF UNAUTHORIZED USAGE OR UNLAWFUL REPRODUCTION OF THE INFORMATION BELONGING TO THIS WEBSITE. UNDER NO CIRCUMSTANCES OR SITUATION WILL FINSOL (Pty) Limited, ITS ASSOCIATES, CLIENTS, CUSTOMERS, AGENTS, MERCHANTS, DIRECTORS, EMPLOYEES OR EXPERTS AGENTS SHOULD BE HELD RESPONSIBLE FOR LOSSES INCURRED AND DAMAGES DUE TO EVENTS BEYOND CONTROL, NATURAL CALAMITIES, HACKING, DATA CORRUPTION, VIRUSES, TECHNICAL ERRORS OR PERSONAL INJURIES OR RECOMMENDATIONS MADE BY THIRD PARTIES OR THE INEFFICIENCY OF UNDERSTANDING THE COMPLEXITY AND THE USE OF THE INFORMATION PROVIDED ON THE WEBSITE.

*We do not guarantee, represent or warrant that your use of our service will be uninterrupted, timely, secure or error-free.

CHARGEBACK-POLICY

All of the payment transactions made with respect to refunds and Chargebacks shall be solely the merchant and acquirer responsibility and FINSOL (Pty) Limited shall not be held liable for any claims, disputes (or) penalties which may arise relating to refunds or Chargebacks to you or the purchasing party. You shall indemnify FINSOL (Pty) Limited in respect of any claims, disputes, penalties, costs and expenses arising directly or indirectly in relation to refunds or Chargebacks for all Transactions initiated and instructed through the Merchant Site.

Please note that FINSOL (Pty) Limited, Acquiring Bank and Nodal Bank reserve the right to reject payments with respect to any Customer Charge for reasons including but not limited to unlawful, erroneous transactions, Chargeback, refunds, fraudulent & suspicious activities, card authentication and authorization issues, overpayment made due to mathematical errors or otherwise, penalties incurred, transactional glitches, issues related to delivery, customer charge (or) product (or) if the Transaction was not made in accordance with the requirements of FINSOL (Pty) Limited and/or the Acquiring Banks and/or Card Association.

In the event of rejection of payment with respect to Customer Charge, Chargeback, refunds or other Outstanding Amounts due to FINSOL (Pty) Limited, Acquiring Bank and/or the Customer by you, FINSOL (Pty) Limited and/or the Acquiring Bank reserve the right to reverse the credit given to the Merchant Bank Account or set-off the payment amount rejected, Chargeback (or) refund or the Outstanding Amount against Settlement Amount payable to you. FINSOL (Pty) Limited and/or Acquiring Banks may also deduct the payment amount due from future Settlement Amounts payable to you with respect to subsequent transactions.

All Settlement Amount due to you under this Agreement may be suspended or delayed till such time as FINSOL (Pty) Limited, the Acquiring Banks and/or nodal bank deems fit, if:

• user, Customer or a third party commits any fraudulent activities thereby or violating any law or legal requirements;

• For merchants: FINSOL (Pty) Limited and/or the Acquiring Banks have reasons to believe that a breach of trust has been committed against the Customers, FINSOL (Pty) Limited, Acquiring Banks or any third party by you, your Customers, or any other third party; or has reason to believe that the Merchant or the Customer has in connivance with any other person done any fraud or assisted in the same; or any transaction has been fraudulently initiated;
• you have excessive pending Chargebacks or poses high Chargeback and/or refund Risk;
• continuous non-delivery or delayed delivery of Products to Customers; or
• for any other reasonable reason

FIRST THINGS FIRST – COMMON GROUNDS

By agreeing to these Terms of Service, we believe that you have at the least reached the accepted age of majority in your state or province of residence and we have been granted your consent to allow any of your minor dependents to avail services, solutions and information use this site.

User is solely responsible for the configuration of the software of the system in use, the information technology and the computerized languages and programmes to navigate and use our website. The user must install adequate virus protection softwares for FINSOL (Pty) Limited cannot always promise the website to be virus or bug free at all times.

FINSOL (Pty) Limited does not allow unlawful (or) unacceptable (or) unauthorized use of any of our content or services. It does not allow transmission of Trojans, bugs, worms, errors, logic bombs or viruses and any other activities undertaken to malign and damage the technicalities of our website and reputation of any form. Users pleading guilty for the violation of local laws or patents or copyrights will have to face immediate termination of our services and legal actions that we will initiate due to breach of trust.

FINSOL (Pty) Limited cannot be deemed liable for any form of inaccuracy or incompleteness of the data or the current relevance of it. The content provided on the website is for general consumption and not for sole reliance for making financial decisions or otherwise. The responsibility for checking the credibility and to monitor changes occurred on our site is up to the users or consumers.

It is of our primary concern to take care of all the data with utmost fairness, sincerity and security. Any of the information or data that is being fed on our website will be consumed for our business analysis purposes to improve or update our services but with due accordance with the privacy policies in place.

TERMINATION & WITHHOLDING OF SERVICES

FINSOL (Pty) Limited holds the relevant rights to withhold services and also can terminate services at any time of the contract and for any reasons without having to provide an explanation for doing so.

The captions, titles and headings used in the terms does not restrict or limit or affect the terms and policies and notices in any form and have been used for clarity, convenience and understanding. The user shall not reproduce, plagiarize, sell, manipulate or exploit access to the service or the information provided by us without adequate permissions in written are sought.

User content (excluding personal financial information such as the credit card details), is subjected to transfer without encryption and involve:

• Transmissions across varied online networks; and
• Changes to conform and adapt to technical requirements of connecting networks and devices.

Important notice: Please be assured that the Credit card information is always encrypted during the transfer over and across online networks.

Having said that, the user also has the liberty to terminate the Terms of Service at any time by notifying us that you no longer wish to use our services, or when you cease using our site.

AMENDMENT – COSTS | SOLUTIONS | SERVICES

The monetary value of our services, solutions and products are subject to changes without prior notice. FINSOL (Pty) Limited reserves the right to amend, modify, alter or discontinue any of the offerings or information without notice and is thus not liable to the users of the website.

SUSTANANCE OF CONFIDENTIALITY – PERSONAL DATA & NOTIFICATIONS

The password and a unique identification code provided to the user at the time of registration or be it any form of information provided for various reasons of security must not be disclosed to any of the third parties. Information like the personal data and our communication process must be kept confidential to avoid fraudulent activities and financial crimes.

A failure to do so will lead to termination of services for the users or the consumers failed to abide by the ground rules set for the protection and safety of the users.

In case your user and password information has been leaked (or) if the user suspects that the personal data has been shared without consent the FINSOL (Pty) Limited authorities must be duly informed and relevant actions be taken.

Please immediately reach out to us support@finsolseychelles.com stating “Password Confidentiality in Danger”

DISCLAIMER FOR GUARANTEE

Users to note that every efforts and attempt has been made towards displaying the exact features of the product like the color shades and the photography of our products. However we cannot guarantee the accuracy of user monitor and its display.

We are under no obligation to limit the sales of our offerings to a person, geographical region or a jurisdiction. Also, we hold the rights to limit the manufacture or making of products and services or to decide on the quantity. Any offer for any product or service made on this site is void when prohibited. We do not guarantee to meet your expectations or expectance of the quality of products and services.

We do not warrant that the results that may be obtained from the use of the services will be accurate or reliable.

ORDER REFUSAL & INVOICING

Users to note that FINSOL (Pty) Limited reserves the right to refuse any order that has been placed with us. We may, in our sole discretion, limit or cancel quantities purchased per person, per household or per order. These restrictions may include orders placed by or under the same customer account, the same credit card, and/or orders that use the same invoicing and /or shipping address.

In instances of changes in the order or cancellations, FINSOL (Pty) Limited will inform on this to the purchaser via email and/or the invoicing address and the phone number provided while ordering the services. FINSOL (Pty) Limited holds the right to prohibit orders that, in our sole judgement, appear to be placed by distributers, resellers and dealers.

ACCOUNT INFORMATION

The user is required to furnish latest, accurate and complete purchase and account details that has been made on our online platforms or the online store. The user must regularly update the account and other relevant details like the email contact, credit card details and expiry dates to help us help you complete your transactions and contact you when necessary.

COMPUTER MISUSE ACT, 29-AUGUST, 1990 – BREACH | VIOLATION | ACTION

The users must not attempt to gain illegal or prohibited entry in to our systems and IP addresses. Trespassing these digital walls would lead to various levels of penalties, the lowest being, if you are found guilty of "unauthorised access to a computer"), this will lead to a penalty of over two years of imprisonment and a local currency of 5000 as fine imposed for the breach. Computer related crimes can lead to imprisonment of up to 10 years.

THIRD PARTY TOOLS

FINSOL (Pty) Limited does not hold any responsibility for providing the users with third party tools nor do we monitor any inputs.

• The user is in acknowledgement and agreement that the tools provided are ‘as available’ and ‘as is’ and are provided with un-conditionality, sans warranties, representations and endorsements.
• FINSOL (Pty) Limited holds no liability arising from the usage of the optional provided tools.
• It is at user’s own risk or discretion to use the optional tools offered through the website based on the familiarity and approval of the terms mentioned by the third party.
• FINSOL (Pty) Limited may offer new services, tools, resources and features on the website which will be subjected to similar terms of service.

THIRD-PARTY LINKS | HYPERLINKS | EMBEDDED LINKS

A fraction of our content, services and products might include materials from third-party associates. The links provided by the third-part dealers would direct you to pages or web platforms that are not affiliated to us. Hence, FINSOL (Pty) Limited cannot be held responsible for the evaluation or scrutiny and the accuracy or relevance of data, products or services made available on those links. Any complaints and grievances with regard to those hyperlinks and embedded links promising services, products or information must be taken to the third parties involved.

USER COMMENTS | FEEDBACK | REVIEWS

If, at our request, you send certain specific submissions (for example contest entries) or without a request from us you send creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, ‘comments’), you agree that we may, at any time, without restriction, edit, copy, publish, distribute, translate and otherwise use in any medium, any of the comments that have been provided to us. We are and shall be under no obligation

• To maintain any comments in confidence;
• To pay compensation for any comments; or
• To respond to any comments.

We may, but have no obligation to monitor, edit or remove content that we determine in our sole discretion are unlawful, offensive, threatening, libellous, defamatory, pornographic, obscene or otherwise objectionable or violates any party’s intellectual property or these Terms of Service.

The user must agree that the comments will not violate any right of any third-party, including copyright, trademark, privacy, personality or other personal or proprietary right. The user must further agree that the comments made will not contain libellous or otherwise unlawful, abusive or obscene material. We take no responsibility and assume no liability for any comments posted by the user or any third-party.

PROTECTION OF PERSONAL INFORMATION

Furnishing of personal information through our online platform is governed by our Privacy Policy.

ERRORS | INACCURACIES | OMISSIONS | CANCELLATIONS

Occasionally, there may be information on our site or in the service that contains typographical errors, inaccuracies or omissions that may relate to product descriptions, pricing, promotions, offers, product shipping charges, transit times and availability. FINSOL (Pty) Limited reserves the right to correct the errors, inaccuracies or omissions, and to change or update information or cancel orders if any information in the eervice or on any related website is inaccurate, at any given time without prior notice (even after you have submitted your order).

We undertake no obligation to update, amend or clarify information in the Service or on any related website, including without limitation, pricing information, except as required by law. No specified update or refresh date applied in the Service or on any related website, should be taken to indicate that all information in the Service or on any related website has been modified or updated.

PROHIBITIONS

In addition to other prohibitions as set forth in the Terms of Service, the users are prohibited from using the site or its content in case of the below instances:

• For any unlawful purpose;
• To solicit others to perform or participate in any unlawful acts;
• To violate any international, federal, provincial or state regulations, rules, laws, or local ordinances;
• To infringe upon or violate our intellectual property rights or the intellectual property rights of others;
• To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability;
• To submit false or misleading information;
• To upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Service or of any related website, other websites, or the Internet;
• To collect or track the personal information of others;
• To spam, phish, pharm, pretext, spider, crawl, or scrape;
• For any obscene or immoral purpose; or
• To interfere with or circumvent the security features of the Service or any related website, other websites, or the Internet. We reserve the right to terminate your use of the Service or any related website for violating any of the prohibited uses.

LIMITATION OF LIABILITY

The user must be aware that we might terminate the services from time to time for indefinite periods of time or could also cancel the services at any time due to unforeseeable circumstances without prior notice. The user must be in agreement with this to avail our services. The services, products and solutions delivered to you are (except as expressly stated by us) provided ‘as is’ and ‘as available’ for your use, without any representation, warranties or conditions of any kind, either express or implied, including all implied warranties or conditions of merchantability, merchantable quality, fitness for a particular purpose, durability, title, and non-infringement.

Under no instances should the FINSOL (Pty) Limited, Managing Directors, Officers, Employees or Associates be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability or otherwise, arising from your use of any of the service or any products procured using the service, or for any other claim related in any way to your use of the service or any product, including, but not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of the service or any content (or product) posted, transmitted, or otherwise made available via the service, even if advised of their possibility. Because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such states or jurisdictions, our liability shall be limited to the maximum extent permitted by law.

INDEMNIFICATION

The user must agree to indemnify, defend and hold FINSOL (Pty) Limited and our parent, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees to be harmless from any claim or demands, including reasonable attorneys’ fees, made by any third-party due to or arising out of your breach of these Terms of Service or the documents they incorporate by reference, or your violation of any law or the rights of a third-party.

SEVERABILITY

During unlawful circumstances, where the provisions are void or unenforceable, those provisions shall be removed and the usage ceased fully abiding by the local laws. The terms of service will then go through a dynamic change by removal of these unlawful provisions. However, users to note that such determination shall not affect the validity and enforceability of any other remaining provisions.

COMPLAINTS & GRIEVANCES

Questions about the Terms of Service should be sent to us at support@finsolseychelles.com. FINSOL (Pty) Limited assures that the complaints and grievances are resolved in a timely manner. However, the period of resolutions depends upon the gravity of the world situation and the nature of the complaint.

Process of Resolving Complaints:

• Receipt of Complaint
• Acknowledgement by FINSOL (Pty) Limited
• Duration it might take to resolve
• Notify the user in case of delay that might occur

One actions are taken to resolve the issues and the issues are resolved, the user must prompt the authorities at FINSOL (Pty) Limited. FINSOL (Pty) Limited needs to be informed, if otherwise.