Disclaimer Firmfocus Website

Important information regarding the usage of this website.

General Terms and Conditions and Disclaimer Firmfocus Website and Tools

These General Terms and Conditions and Disclaimer apply to the website www.firmfocus.biz and all other domain extensions of Firmfocus, as well as to all digital services, tools, downloads, memberships and other virtual products offered by Firmfocus. These terms apply to members (subscribers), non-members, visitors and users of products or tools.

For international users, this English version is provided for convenience. In the event of differences in interpretation between language versions, the Dutch version of these terms and conditions shall prevail.

Definitions

Services: all current and future electronic, digital and online services offered by Firmfocus, whether or not as part of a membership, including but not limited to the Firmfocus website, mobile versions thereof, any webshops, digital applications, downloads, interactive web tools, news services, archives, memberships and other virtual products.
Member: the natural person or legal entity with whom Firmfocus enters into an agreement for the use of one or more Services.
Visitor: any natural person or legal entity that uses the Services, whether or not such person or entity is a Member.
User: any Visitor and/or Member making use of the Services.

Applicability

By visiting this website and/or using the Services, information, tools or products offered on or through this website, the User agrees to the applicability of these General Terms and Conditions and this Disclaimer.

By entering into a membership and/or using the Services, the Member acknowledges and agrees to these General Terms and Conditions and this Disclaimer.

If specific products or services are subject to additional or deviating terms, and these differ from these General Terms and Conditions and Disclaimer, the specific terms shall prevail insofar as such deviation has been explicitly stated.

Any general terms and conditions of Users, Members, Visitors or customers are expressly rejected and shall not apply to the legal relationship with Firmfocus.

Nature of the Services and General Disclaimer

The information, content, tools and other virtual products provided by Firmfocus are intended solely as general information and as support for entrepreneurship, analysis, decision-making and business management. They are not intended as personal, legal, tax, financial, investment or other professional advice.
No rights can be derived from the information, tools, results, calculations, models, downloads or other Services provided by Firmfocus.
Firmfocus exercises due care in compiling and maintaining the website, its content and the Services and uses sources believed to be reliable. However, Firmfocus cannot guarantee that the information, data, calculations, analyses, insights or tool outputs provided are always accurate, complete, up-to-date or suitable for a specific purpose.
Firmfocus does not guarantee that the website, tools, downloads, memberships or other Services will operate without errors, interruptions, delays or security risks.
The User remains fully responsible for assessing and using the information, results and support obtained through Firmfocus and for any decisions made wholly or partly based on such information.

Third-Party Links and Services

If Firmfocus displays links to third-party websites, offers third-party files for download, or otherwise refers to third-party products, services or information, this does not imply endorsement or recommendation by Firmfocus unless explicitly stated.
Firmfocus is not responsible and accepts no liability for the content, accuracy, completeness, availability or security of third-party websites, applications, platforms, tools or services that are linked to or from the Firmfocus website.
The use of third-party websites, tools, downloads or services is entirely at the User’s own risk.

AI-supported tools and functionalities

Certain interactive functionalities on the website, such as tools for preparing a business plan, analytical tools and chat functionalities, may use artificial intelligence (AI) or comparable automated technologies.
The output, suggestions, analyses or texts generated through such tools or chat functionalities are intended solely as indicative support for developing ideas, plans or analyses.
Such output does not constitute legal, financial, tax, business, investment or other professional advice.
Firmfocus does not guarantee that suggestions, texts or analyses generated by such tools are complete, accurate or suitable for the specific purposes of the User.
Users remain fully responsible for evaluating, verifying and applying the output obtained through these functionalities.
Firmfocus shall not be liable for any damage resulting from decisions or actions taken wholly or partly based on output generated by such tools or chat functionalities, unless such damage results from intentional misconduct or gross negligence by Firmfocus.

Intellectual Property Rights

All content, data, compilations, designs and layouts of the website, the Services and other Firmfocus products are protected by intellectual property rights, including but not limited to rights relating to texts, photographs, logos, drawings, images, databases, downloads, models, audio fragments, videos, layouts, structures, distinctive colour combinations and domain names.

By entering into a membership or using the Services, the User does not acquire any intellectual property rights or transferable rights with respect to the website, the Services or their content.

Without prior written consent from Firmfocus, it is not permitted to publish, reproduce or otherwise exploit the website, Services or any content or products of Firmfocus, in whole or in part, including but not limited to printing, copying, scanning, duplicating, storing beyond normal personal use, modifying, editing, translating, archiving, indexing, renting, lending, sublicensing, embedding, framing or otherwise making available to third parties.

It is also prohibited to systematically collect information from the website or Services using automated means, scripts or software, including but not limited to crawling, spidering, scraping, data mining, automated extraction, account abuse, phishing or hacking.

With regard to the reproduction of articles, images or other content of Firmfocus by media with a news function as referred to in Article 15 of the Dutch Copyright Act, Firmfocus expressly reserves all copyright. Prior written permission from Firmfocus is required for such use.

Permitted use includes saving, printing or downloading tools, information and other content solely for personal internal use, provided this is consistent with the normal purpose of the Service.

Members with a business membership may use the Services to support their own clients, provided that the information, tools or outputs are not made directly available to third parties for independent use and provided that the Services or content are not resold, sublicensed, reproduced or publicly distributed.

Investing and Financial Decisions

Firmfocus informs Users that investing and financial decision-making involve risks, including the risk of partial or total loss of capital. Firmfocus is not a broker, dealer or registered investment adviser under Dutch law, the laws of the United States or any other jurisdiction, and does not provide investment advice or recommendations regarding the purchase, sale or holding of shares, securities, commodities, currencies or other financial products or services.

Nothing in the editorial content, tools, calculations, analyses or other statements published by Firmfocus constitutes an offer, recommendation or solicitation to make investments or financial transactions. Any referenced products, services, companies or financial instruments are not endorsed or recommended by Firmfocus unless explicitly stated.

Use of Services and Fair Use

The use of the Services may require certain facilities, such as a functioning internet or data connection, suitable equipment, up-to-date software and a compatible browser or environment. The User is responsible for providing these facilities and for the associated costs.
The User must refrain from any use of the Services that is unlawful, violates these terms, harms Firmfocus or third parties, or may negatively affect the operation, security, continuity or reputation of the Services.
Users are specifically prohibited from using the Services in any way that could disable, disrupt, overload or otherwise negatively affect the website, systems, networks or related infrastructure.
Users may not attempt to circumvent security measures, access restrictions, paywalls or technical limitations implemented by Firmfocus.
Firmfocus may impose limits on the use of Services, downloads, tools, accounts or functionalities to protect the continuity, security and fair use of the platform.
If Firmfocus reasonably suspects that a User is acting in violation of these terms, the law or generally accepted standards of conduct, Firmfocus may suspend or terminate access to the Services immediately and without prior notice.

Availability, Maintenance and Changes

Firmfocus strives to maintain and secure the Services carefully but does not guarantee uninterrupted access, absence of errors or continuous availability.
Firmfocus may carry out maintenance and implement technical, functional or procedural changes to the Services at any time.
Firmfocus reserves the right to add, modify, suspend or discontinue Services or functionalities at any time.
The use of the Services is at the User’s own risk.

Products, Memberships and Prices

The prices of memberships, Services and products are listed on the website. Firmfocus reserves the right to change prices at any time.
Price changes take effect from the moment they are published on the website unless stated otherwise.
Promotions or special offers are valid for the period indicated and may be subject to additional conditions.
Firmfocus may modify or terminate promotions at any time.
The price applicable at the time of purchase applies to memberships and products.
Memberships are paid in advance for the selected subscription period.
Firmfocus does not apply automatic renewal to prepaid memberships unless explicitly stated.
If a Member chooses not to renew, access to the Services will automatically terminate at the end of the subscription period.

Confidentiality and Data Protection

Firmfocus processes personal data confidentially in accordance with applicable privacy legislation, including the General Data Protection Regulation (GDPR), as described in the Privacy Statement published on the website.
By using the Services, the User acknowledges having read the Privacy Statement.
The User remains responsible for the lawful use of any data processed through the Services.

Liability

Firmfocus shall not be liable for damages resulting from inaccuracies, incomplete information, outdated content, technical issues or unavailability of the website or Services unless caused by intentional misconduct or gross negligence.
The use of the website and Services is entirely at the User’s own risk.
Firmfocus shall not be liable for indirect damages including loss of profits, loss of data, loss of opportunities or reputational damage.
If Firmfocus is nevertheless held liable, liability shall be limited to the amount paid by the User for the relevant Service in the preceding twelve months.

Force Majeure

Firmfocus shall not be liable for failure to perform obligations if such failure results from circumstances beyond its reasonable control, including internet outages, cyberattacks, hosting failures, power outages, government measures, war, strikes or natural disasters.

Changes

Firmfocus reserves the right to modify the website, Services, products and these General Terms and Conditions and Disclaimer at any time without prior notice. The most recent version will be published on the website.

Governing Law

This website, the Services and these General Terms and Conditions and Disclaimer are governed exclusively by Dutch law.

All disputes arising from or related to the website, the Services or these Terms shall be submitted exclusively to the competent court in the Netherlands.