Terms & Conditions

1. Introduction

Welcome to the website operated on behalf of Nexi Group and its associated companies (“Nexi Group,” “we,” “us,” or “our”). The legal entity or entities responsible for operating a particular site or service may be identified on that site; where not specified, references to Nexi Group are to the branding and informational presence of the group as presented on this website.

These Terms and Conditions (“Terms”) govern your access to and use of this website and any related informational content made available through it (collectively, the “Site”). They do not replace or override separate terms that apply when you use a specific product or service offered by an operating company (for example, a lending platform, mobile application, or customer portal governed by product-specific agreements and regulatory disclosures). If there is any conflict between these Terms and terms applicable to a specific product, the product-specific terms prevail for that offering.

By accessing or using the Site, you confirm that you have read these Terms and that you agree to be bound by them. If you do not agree, you must discontinue use of the Site immediately.

If you are using the Site on behalf of an organisation, you represent that you have authority to bind that organisation to these Terms.

2. Definitions

"Content" means text, graphics, logos, images, audio/video, layouts, downloadable materials, metadata, software (other than separately licensed third‑party components), and any other materials made available through the Site.

"User," "you," and "your" mean any natural or legal person who accesses or uses the Site.

"Affiliates" means entities that control, are controlled by, or are under common control with members of Nexi Group, as context requires.

Other capitalised terms are defined where first used or as the context reasonably requires.

3. Use of the Website

4. Acceptable Use Policy

You agree not to use the Site in any way that:

• Violates applicable law or regulation;
• Infringes the rights of others, including intellectual property, privacy, or publicity rights;
• Introduces malware, ransomware, unauthorised scripts, scraping at a scale that burdens our infrastructure, or attempts to circumvent security;
• Impersonates Nexi Group, our personnel, affiliates, regulators, or any third party;
• Harvests email addresses or other personal data without a lawful basis and our consent where required;
• Uses automated means to interact with forms or portals in breach of robots.txt or expressly stated restrictions;
• Frames or mirrors the Site without permission.

5. User Responsibilities

You are responsible for:

• Providing accurate information where you submit enquiries or forms;
• Keeping your devices, credentials, and communications secure if you use authenticated areas (where offered by a specific service);
• Complying with all applicable laws, including those relating to financial promotions, data protection, and export controls;
• Verifying any information before you rely on it for business or personal decisions.

6. Intellectual Property

Unless otherwise indicated, Content on the Site is owned by or licensed to members of Nexi Group and protected by intellectual property laws.

You may not copy, reproduce, distribute, modify, publicly display, publicly perform, create derivative works from, scrape, commercially exploit, or reverse engineer Site Content except:

• To the extent necessary for transient technical copying (e.g. browser cache) for lawful personal viewing;
• Where expressly permitted by us in writing;
• Where compulsory licence or fair use / fair dealing applies under applicable law (and such use remains compliant with these Terms).

7. Third-Party Websites and Links

The Site may link to websites operated by affiliates, regulators, payment partners, analytics providers, media, or unrelated third parties (“Third-Party Sites”). Third-Party Sites are not controlled by Nexi Group. We provide links for convenience only; inclusion does not imply endorsement, suitability, or responsibility for their content, privacy practices, or terms.

When you leave the Site, you should review the terms and privacy policy of the destination site. Your interactions with third parties are solely between you and that third party.

8. Service Availability

We strive to keep the Site secure and available. However, we do not warrant that:

• The Site will meet your requirements or objectives;
• The Site will operate without interruption;
• Defects will be corrected promptly;
• The Site or its servers will be free of harmful components.

9. Communication Policy

If you contact us through email addresses or forms published on the Site ([Contact Email]), you consent to electronic communication for responses related to your enquiry.

We do not consent to receiving unsolicited proposals, marketing, or attachments that may pose a security risk. Standard business hours and response times may apply; urgent regulatory or customer-service matters for a specific product should use the official channel published by that product.

10. Account Suspension (Website Access)

Where the Site offers features that require registration or login, we may suspend or terminate access for breach of these Terms, security risk, legal requirement, or abuse.

Currently, general public browsing of this informational Site does not require a user account. Full account-based controls (for example, borrower or partner portals) are governed by the operator of that service. **Account suspension terms specific to such portals:** where not separately published, they are **currently not applicable** to this Site and **may be updated in future**.

11. No Professional, Financial, or Legal Advice

Content on the Site is for general information only. It does not constitute financial, investment, lending, tax, legal, or other professional advice. You should obtain advice from qualified professionals before making decisions. Past performance, case studies, or descriptions of capabilities are not guarantees of future results.

12. Limitation of Liability

To the fullest extent permitted by applicable law, Nexi Group and its Affiliates, directors, officers, employees, contractors, and agents disclaim liability for any indirect, incidental, special, consequential, exemplary, or punitive damages, and for loss of profits, revenue, goodwill, data, or business opportunity, arising from or related to your use of or inability to use the Site, even if advised of the possibility of such damages.

To the extent permitted by law, our aggregate liability for any claim arising from the Site (other than liability that cannot be excluded by law) shall not exceed the greater of: (a) any fees you paid to us in the twelve (12) months preceding the claim solely for access to this informational Site, if any; or (b) **[Amount] [Currency]**—as determined after legal review and in line with applicable statutes. If you did not pay any such fees, the cap in (b) applies.

Nothing in these Terms excludes or limits liability where such exclusion would be unlawful (including death or personal injury caused by negligence, fraud, or other non-waivable rights). Some jurisdictions do not allow certain limitations; in those jurisdictions, our liability is limited to the maximum permitted.

13. Indemnification

You agree to defend, indemnify, and hold harmless Nexi Group and its Affiliates from and against any claims, damages, liabilities, costs, and expenses (including reasonable legal fees) arising from: (a) your use of the Site in breach of these Terms; (b) your violation of law or third-party rights; or (c) unauthorised use of your credentials where you failed to safeguard them reasonably.

This obligation survives termination of your access to the Site.

14. Termination

We may discontinue, suspend, or modify the Site, or cease offering these Terms, at any time with or without notice, subject to applicable law. Upon termination of your permitted use rights, your obligation to comply with restrictive provisions that by their nature should survive (such as intellectual property, disclaimers, limitation of liability where permitted, indemnity, governing law) will continue.

15. Governing Law and Disputes

These Terms shall be governed by and construed in accordance with the laws of **[Jurisdiction]**, without regard to conflict-of-law rules that would require application of another jurisdiction’s laws, except where mandatory consumer-protection rules apply to you.

Subject to statutory rights, any dispute arising from these Terms or the Site shall be subject to the exclusive jurisdiction of the courts located in **[Venue City / Courts]**. Alternative dispute-resolution procedures required by **[Jurisdiction]** shall apply where such procedures are mandatory.

**[Company Legal Name]** | Registered office: **[Registered Office Address]** | Contact: **[Contact Email]**

16. Changes to These Terms

We may update these Terms periodically. The “Last updated” date at the top of this page will reflect material revisions where we maintain such a notice. Continued use of the Site after changes constitutes acceptance of the revised Terms, unless applicable law requires a different consent mechanism.

If we make material changes that affect privacy or your rights materially, we will provide additional notice as required by law (for example via the Site banner or email where we have appropriate contact details).