These Terms and Conditions (“Terms”) govern your access to and use of this website (“we”, “our”, or “the website”).
By accessing, browsing, or submitting content on this website, you agree to comply with these Terms.
If you do not agree, please do not use the website.
1.Acceptance of Terms
By using this website, you confirm that you:
- Have read and understood these Terms;
- Are at least 18 years old or of legal age in your jurisdiction;
- Will comply with all applicable laws while using the website.
We reserve the right to update or modify these Terms at any time.
Your continued use of the website after changes are posted constitutes your acceptance of the revised Terms.
2.Purpose of the Website
This website provides informational and educational content, including:
- Reviews and analyses of companies, financial platforms, and online projects;
- User-submitted reports about potential scams or fraudulent activities;
- News and resources aimed at promoting financial awareness and transparency.
The content on this website is for informational purposes only and should not be considered financial, legal, or investment advice.
3.User Responsibilities
By using this website, you agree to:
- Provide accurate and truthful information in all submitted forms and reports;
- Avoid posting defamatory, false, or misleading statements;
- Not impersonate another person or entity;
- Not attempt to hack, disrupt, or interfere with the website’s operation or data;
- Use the website only for lawful and ethical purposes.
We reserve the right to remove any content or block access from users who violate these Terms.
4. Submitting Fraud Reports and User Content
Users may submit reports or experiences related to companies or online projects.
By submitting information, you acknowledge and agree that:
- You are solely responsible for the accuracy and truthfulness of the information provided;
- You grant us a non-exclusive, royalty-free license to use, publish, and display the submitted content (in whole or in part) for informational or investigative purposes;
- Your submission may be reviewed, edited, or moderated before publication;
- Personal data or sensitive information may be anonymized for security reasons.
We reserve the right to reject, edit, or remove any report or comment at our discretion.
5.Disclaimer of Liability
All information published on this website is provided “as is” and without warranty of any kind.
While we strive to ensure the accuracy of our content, we do not guarantee:
- That all information is complete, current, or free from errors;
- That listed companies are verified or trustworthy;
- That user-submitted content reflects verified facts.
We are not liable for:
- Financial losses, damages, or decisions made based on the information provided;
- The content of external websites linked from our platform;
- Any actions taken by third parties mentioned on the website.
Users are advised to conduct their own research and exercise caution before making any financial decisions.
6.Intellectual Property Rights
All website content, including text, images, graphics, logos, and layout, is protected by copyright and intellectual property laws.
You may not copy, reproduce, or distribute any part of the website without written permission, except for personal, non-commercial use.
User-submitted reports remain the intellectual property of their original authors but may be displayed and archived as part of our database under the license described above.
7.External Links
The website may contain links to third-party websites for reference purposes.
We do not control or endorse the content of those external sites and are not responsible for their practices, reliability, or accuracy.
Users access third-party links at their own risk.
8.Limitation of Liability
To the maximum extent permitted by law, we shall not be liable for any direct, indirect, incidental, or consequential damages arising from:
- The use or inability to use the website;
- Reliance on any information contained herein;
- Technical errors, interruptions, or security breaches;
- Any loss of data or profit related to use of the site.
Your sole remedy for dissatisfaction with the website is to discontinue its use.
9. Privacy and Data Protection
We respect your privacy and handle personal data in accordance with our Privacy Policy.
By using the website, you consent to the collection and processing of your data as described in that policy.
10.Termination of Access
We reserve the right to suspend or terminate your access to the website at any time, without notice, if:
- You violate these Terms;
- You submit false or malicious information;
- Your activity poses a risk to other users or to the integrity of the platform.
11. Indemnification
You agree to indemnify and hold harmless the website and its operators from any claims, damages, losses, or expenses (including legal fees) arising out of:
- Your use of the website;
- Your violation of these Terms;
- Your submitted content or reports.
12. Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with applicable international and local laws.
Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of competent courts in your country of residence or where the website operates.
13.Severability
If any part of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
14. Contact Information
If you have any questions about these Terms, please contact us at:
info@protzovik.com
15.Acknowledgment
By using this website, you acknowledge that you have read, understood, and agreed to these Terms and Conditions in their entirety.
