Terms and Conditions of Use

Terms and Conditions
Last Updated: October 11, 2024

Introduction
Welcome to Fiibac Ltd (“Company”, “we”, “us”, or “our”). We operate the Fiibac mobile application and any related products or services (collectively, the “Services”). By accessing our Services, you agree to be bound by these Terms and Conditions (“Terms”). If you disagree with any part of these Terms, you must not use our Services.

Contact Information
If you have questions, you can contact us at:

• Phone: (+44) 01926 520 052

• Email: info@appoly.co.uk

• Address: 4–6 The Wharf Centre, Warwick, Warwickshire CV34 5LB, United Kingdom

1. User Eligibility and Responsibilities
To use our Services, you must be at least 18 years old or have the permission of a parent or guardian if you are a minor. You agree to provide accurate information when registering and to update it as needed. You are responsible for maintaining the confidentiality of your account information.

2. Privacy and Cookies
We care about your privacy. By using our Services, you consent to our collection and use of your information as described in our Privacy Policy. Our website also uses cookies; by continuing to use our Services, you consent to our use of cookies in accordance with our Privacy Policy.

3. Intellectual Property Rights
We own all intellectual property rights in our Services, including but not limited to source code, text, graphics, and trademarks (collectively, the “Content”). You are granted a limited, non-transferable license to access and use the Content for personal, non-commercial use only. You must not reproduce, redistribute, or exploit our Content without our prior written permission.

4. User Contributions
Any content you upload or share through our Services (“Contributions”) remains your property, but you grant us a royalty-free, perpetual license to use, display, and share your Contributions. You agree that your Contributions will not infringe on the rights of others and will comply with all applicable laws.

5. Purchases and Payments
We accept Visa, Mastercard, American Express, and PayPal. You agree to provide accurate payment information. All charges are in Great British Pounds (GBP), and all purchases are non-refundable.

6. Account Suspension and Termination
We reserve the right to suspend or terminate your account if we determine that you have violated these Terms. If your account is suspended or terminated, you may not create a new account without our prior permission.

7. Dispute Resolution
If you have a dispute with us, please contact us to try to resolve it informally. Any unresolved dispute shall be resolved through binding arbitration under English law, with the venue being Leamington Spa, England.

8. Limitation of Liability
Our Services are provided “as is” without warranties of any kind. We are not liable for any direct, indirect, or incidental damages arising from your use of our Services. Our liability will always be limited to the amount you paid for our Services in the preceding six months.

9. Modifications and Interruptions
We may update or modify our Services at any time without notice. We do not guarantee that our Services will be available at all times, and we are not liable for any interruptions or modifications.

10. Governing Law
These Terms are governed by the laws of England and Wales. Any disputes will be subject to the non-exclusive jurisdiction of the courts of Warwickshire.

11. Contact Us
For questions or more information about these Terms, please contact us at:

• Email: info@appoly.co.uk

• Phone: (+44) 01926 520 052

• Address: 4–6 The Wharf Centre, Warwick, Warwickshire CV34 5LB, United Kingdom