Terms & Conditions

Effective Date: June 1, 2024

Welcome to Turris! These Terms and Conditions ("Agreement") govern your access to and use of our website, our services and APIs ("Services"). Please read this Agreement carefully before using our Services. By accessing or using our Services, you agree to be bound by this Agreement. If you do not agree with any part of this Agreement, please do not use our Services.

1. Definitions

1.1. "Turris" refers to Turris Financial Technologies, Inc. and its affiliates.

1.2. "User" refers to any individual or entity that accesses or uses the Services.

1.3. "Insurance Company" refers to the insurance companies and their affiliates that work in collaboration with Turris.

2. Account Creation and Use

2.1. To access and use our Services, you must create an account. You agree to provide accurate, current, and complete information during the registration process and to promptly update any changes.

2.2. You are solely responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

2.3. You must not share your account credentials with any third party or allow any unauthorized access to your account.

2.4. Turris reserves the right to suspend or terminate your account at any time if it believes that you have violated any provision of this Agreement or engaged in any fraudulent or unauthorized activities.

3. Services Provided

3.1. Turris provides a platform that facilitates transactions, payment collection, account management, lending, treasury management, and funds transfers through its APIs.

3.2. Turris acts as a facilitator and does not provide insurance services directly. Insurance services are provided by the Insurance Companies.

3.3. Turris does not guarantee the availability, accuracy, or reliability of the information provided by the Insurance Companies or any other third party.

3.4. Turris reserves the right to modify, suspend, or discontinue any or all of its Services at any time without prior notice.

4. User Obligations

4.1. You agree to use our Services only for lawful purposes and in compliance with applicable laws and regulations.

4.2. You shall not use our Services in a manner that infringes upon the rights of others or restricts or inhibits their use and enjoyment of the Services.

4.3. You shall not engage in any fraudulent, illegal, or unauthorized activities through the use of our Services.

4.4. You acknowledge that Turris may collect and store certain information about you, including but not limited to personal and financial data. You agree to provide accurate and complete information and to promptly update any changes.

4.5. You are responsible for the security of your devices and for protecting your account and personal information from unauthorized access.

5. Privacy and Data Security

5.1. Turris takes privacy and data security seriously. Please refer to our Privacy Policy for detailed information on how we collect, use, and protect your personal information.

5.2. By using our Services, you consent to the collection, use, and disclosure of your personal information as described in our Privacy Policy.

6. Intellectual Property

6.1. The Services and all associated intellectual property rights are owned by Turris. You agree not to modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products, or services obtained through our Services.

7. Limitation of Liability

7.1. Turris shall not be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in connection with your use or inability to use the Services.

7.2. Turris' liability, if any, arising out of or in connection with this Agreement shall be limited to the fees paid by you for the Services during the twelve (12) months preceding the event giving rise to the liability.

8. Indemnification

8.1. You agree to indemnify and hold Turris, its affiliates, and their respective officers, directors, employees, and agents harmless from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in connection with your use of the Services or any violation of this Agreement.

9. Governing Law and Dispute Resolution

9.1. This Agreement shall be governed by and construed in accordance with the laws of New York. Any dispute arising out of or in connection with this Agreement shall be resolved through arbitration in accordance with the rules of AAA. The seat of arbitration shall be New York City, and the language of arbitration shall be English.

10. Amendments

10.1. Turris reserves the right to modify or update this Agreement at any time. Any changes will be effective upon posting the revised Agreement on our website or notifying you via email. Your continued use of the Services after the effective date of the revised Agreement constitutes your acceptance of the updated terms.

11. Entire Agreement

11.1. This Agreement constitutes the entire agreement between you and Turris regarding the subject matter hereof and supersedes all prior or contemporaneous agreements, understandings, and communications, whether written or oral.

If you have any questions or concerns regarding this Agreement, please contact us at support@turrisfi.com.

By using our Services, you acknowledge that you have read, understood, and agreed to be bound by this Terms and Conditions Policy.