Scooprate's Terms of Use.

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Last updated: March 8, 2024

ScoopRate, operated by ScoopRate Technologies Ltd. (“ScoopRate” / “we” / “us”), provides a platform designed to empower users in their financial decision-making process by offering comprehensive rate comparison services. These Terms of Use apply to all users of the ScoopRate website (the “Website”), including those who access services, or simply browse content (“users” / “you”).

These Terms of Use also extend to any third-party website or service that hosts ScoopRate content, ensuring a consistent experience across platforms. By accessing or using the Website and/or services provided (collectively referred to as the “Services”), you signify your acceptance of these Terms of Use. If you do not agree to these Terms, please refrain from using the Website, its content, or services. Please note that these Terms may be amended or updated by ScoopRate without prior notice. It is your responsibility to review these Terms regularly for any changes. Your continued use of the Website after any modifications signifies your acceptance of the revised Terms.

Certain features of the Website may require you to provide personal information. Rest assured, all personal information you provide will be treated in accordance with our Privacy Policy, which is incorporated by reference into these Terms of Use.

These Terms of Use (“Terms”) govern your access to and use of the ScoopRate website (the “Website”) and any related services provided by ScoopRate (“Services”). These Terms constitute a legally binding agreement between you and ScoopRate. Please read these Terms carefully before using our Website or Services.

1. Acceptance of Terms

By accessing or using the Website or Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not use our Website or Services.

2. Description of Services

ScoopRate provides a platform that allows users to compare financial rates offered by various institutions, including but not limited to foreign exchange rates, investment rates, and savings rates empowering them to make informed decisions about their financial endeavors. Our Website aggregates information from multiple sources to provide users with comprehensive and up-to-date rate comparisons facilitating the evaluation of the advantages and disadvantages of different financial products. By utilizing ScoopRate’s services, users can efficiently assess various financial products and select the options that best align with their individual needs and preferences.

In addition to rate comparison, ScoopRate may list certain financial products on the Website for which we do not have access to detailed information about features and benefits. In such cases, users have the option to reach out directly to the financial institutions for further information.

3. User Registration

While you may browse the Website without registering and creating an account, certain features and services may require you to submit personal information such as your email address or your name. Under this circumstance, you agree to provide accurate and complete information. You are solely responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

4. Use of Services

a. User Conduct:

You agree to use the Website and Services in compliance with all applicable laws and regulations. You further agree not to:

  • Use the Website or Services for any unlawful or unauthorized purpose.
  • Attempt to gain unauthorized access to ScoopRate’s systems or networks,
  • Interfere with or disrupt the integrity or performance of the Website or Services.
  • Attempt to gain unauthorized access to any portion of the Website or Services.
  • Engage in any conduct that could damage, disable, or impair the Website or Services.
  • Introduce any viruses, worms, or other malicious software that may damage or disrupt ScoopRate’s systems or harm other users.
  • Interfere with or disrupt the operation of ScoopRate’s services, servers, or networks.
  • Impersonate any person or entity, or falsely claiming an affiliation with any person or entity.
  • Infringe upon the intellectual property rights of ScoopRate or any third party, including but not limited to copyright, trademark, or patent infringement.
  • Engage in any activity that is illegal or violates any applicable laws or regulations.
  • Engage in any automated data collection activities, such as data mining, scraping, or crawling, without ScoopRate’s express written consent.
  • Misrepresent yourself or your affiliation with any person or entity, or providing false or misleading information.
  • Reverse engineer, decompile, or disassemble any part of ScoopRate’s systems or services.
  • Use ScoopRate for any commercial purposes without prior written consent, including but not limited to advertising, soliciting, or promoting products or services.

b. Accuracy of Information: While we strive to provide accurate and up-to-date information, ScoopRate does not guarantee the accuracy, completeness, or reliability of any information on the Website. Users acknowledge that rates and terms may change without notice and should verify the information directly with the respective financial institutions.

c. Third-Party Links: ScoopRate may include links to third-party websites or services for your convenience. These links are provided solely as a convenience to you and do not imply endorsement by ScoopRate. We are not responsible for the content or privacy practices of these third-party sites.


5. Intellectual Property

a. Ownership: The content, design, and layout of the Website are owned or licensed by ScoopRate and are protected by copyright, trademark, and other intellectual property laws.

b. Use of Content: You may access and use the content on the Website for personal, non-commercial purposes only. You may not reproduce, distribute, modify, or create derivative works based on any content from the Website without the prior written consent of ScoopRate.

6. Privacy

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and disclose information about you when you use our Website and Services.

7. Disclaimer of Warranties

a. No Warranty: The Website and Services are provided on an “as is” and “as available” basis, without any warranties of any kind, express or implied. ScoopRate disclaims all warranties, including but not limited to merchantability, fitness for a particular purpose, and non-infringement.

b. Use at Your Own Risk: You use the Website and Services at your own risk. ScoopRate does not warrant that the Website or Services will be uninterrupted, error-free, or free from harmful components.

8. Limitation of Liability

To the fullest extent permitted by law, ScoopRate and its affiliates, officers, directors, employees, agents, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising out of or in connection with your use of the Website or Services.

9. Indemnification

You agree to indemnify and hold ScoopRate and its affiliates, officers, directors, employees, agents, and licensors harmless from any claims, damages, losses, liabilities, and expenses (including legal fees) arising out of or in connection with your use of the Website or Services, your violation of these Terms, or your violation of any rights of a third party.

10. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of Jamaica. Any dispute arising out of or relating to these Terms or the use of the Website or Services shall be exclusively resolved by the courts of Jamaica.

11. Changes to Terms

ScoopRate reserves the right to modify these Terms at any time. We will post the updated Terms on the Website, and your continued use of the Website or Services after the posting of such changes constitutes your acceptance of the modified Terms.

12. Contact Us

If you have any questions or concerns about these Terms, please contact us at info@scooprate.com.

 

Investment Disclosure - Managed Funds

Please note that past performance of managed funds, including unit trusts and mutual funds, does not guarantee future results. While historical performance can provide valuable insights into a fund’s track record and management capabilities, it should not be the sole basis for making investment decisions.

Managed funds are subject to market fluctuations, economic conditions and various other factors that may affect their performance. Investors should carefully consider their investment objectives, risk tolerance and financial situation before investing in any managed fund.

Additionally, it’s essential to conduct thorough research and consult with a qualified financial advisor to ensure that the selected managed fund aligns with your individual investment goals and preferences.

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Fixed Income Investment Disclaimer:

  • Interest Rate Risk: The value of your fixed income investment may decline if interest rates rise. As rates go up, investors may be able to earn higher returns on new investments, potentially making your existing fixed-rate investment less attractive.
  • Credit Risk: There is always the possibility that the issuer of a fixed income security, like a CD, may default on their obligation to repay your principal or interest. This risk is generally lower with government-backed securities but can be higher with corporate bonds.
  • Market Volatility: Even fixed income investments can experience some price fluctuation, especially in secondary markets where they may be sold before maturity.
  • Early Withdrawal Penalties: Some fixed income investments, like CDs, may impose penalties if you withdraw your funds before the maturity date.

Before investing in any fixed income product, carefully consider your investment goals, time horizon, and risk tolerance. It’s important to understand the specific features and risks associated with each type of investment. Consider consulting with a financial advisor to ensure these investments align with your overall financial plan.

This information is for general purposes only and does not constitute financial advice.

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Advertising disclosure

Thank you for choosing ScoopRate. It’s important to note that some products showcased on our platform may be labeled as “Featured.” These products are highlighted in collaboration with financial institutions, and ScoopRate may receive compensation for their inclusion.

While we strive to maintain accuracy and transparency, please understand that featured products may influence their placement on our website. However, rest assured that our rankings and recommendations remain impartial and grounded in objective analysis.

We encourage you to explore all available options and conduct thorough research before making any financial decisions. By continuing to use our platform, you acknowledge your understanding of this disclosure. For further details, please refer to our comprehensive Disclaimer Notice, Privacy Policy and Terms of Use available on our website.

Last Updated: March 8, 2024. 

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