PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY, AS YOUR USE OF THE SITE INDICATES YOUR AGREEMENT TO THESE TERMS.
The platform www.topfinanzas.com (the “Platform” or “Site”) is owned and operated by Top Networks Inc. (“Top Networks,” “we,” “our,” or “us”), a company incorporated under the laws of the Republic of Panama. Our Site provides financial information and product recommendations, offering informational resources and analyses of various financial services and products, such as credit cards, loans, and investment opportunities.
These Terms and Conditions of Use (the “Terms”) are available to users at all times and apply alongside our [Privacy Policy]. By using or accessing the Site, you confirm that you have read, understood, and agree to these Terms. If you do not agree to all Terms, please do not use the Site.
1. About www.topfinanzas.com
Topfinanzas.com is a website created to inform users about financial products and services offered by partner companies. It aims to assist users in selecting products that meet their specific financial needs and preferences.
Whenever we use “Top Networks,” “we,” or “our,” we refer to Top Networks Inc.; similarly, when we use “you” or “user,” we refer to the individuals consenting to these Terms and accessing the Site.
The Platform facilitates connections to financial products offered by third-party institutions. Your use of these services or products may require additional registration and will be subject to terms and privacy practices established by those institutions. Top Networks Inc. does not participate in the legal relationship between the user and these partner companies.
2. User Responsibilities for Access
The user is responsible for obtaining the necessary equipment (computer, smartphone, tablet) and software (browser) required to access the Site, as well as maintaining a secure browsing environment. This includes updating antivirus, firewall, and other cybersecurity tools to mitigate potential risks.
3. Site Access and Usage
In general, no prior registration is required to access Site content. However, certain services may require user registration. By registering, you confirm that:
- You are at least 18 years old.
- The information provided is accurate, complete, and up-to-date.
- You will maintain the accuracy of your information and promptly update it as needed.
If you provide false, incomplete, or outdated information, Top Networks Inc. reserves the right to suspend or terminate your access to the Site without notice.
4. Data Collection and Usage
By accepting these Terms, you consent to the collection and processing of data, including but not limited to:
- Personal Identification Data: Name, email, phone number, government ID, address.
- Financial Information: Income details, credit status, and employment information as needed for financial assessments.
For details on our data handling practices, please refer to our [Privacy Policy].
5. Accuracy of Information
Top Networks Inc. endeavors to provide accurate and current information on the Site. However, we do not guarantee that the content will be error-free or always available. Access may be affected by factors outside our control, such as internet provider issues or technical maintenance.
6. Links to Third-Party Websites
Our Platform may contain links to third-party websites. These links are provided solely for user convenience and do not imply endorsement by Top Networks Inc. We are not responsible for the content or terms of use of these third-party websites, and users assume any risks associated with their use.
7. Prohibited Conduct
Users agree not to:
- Violate any laws or regulations.
- Impersonate another person or entity.
- Upload or share any content that is illegal, defamatory, or harmful to others.
- Attempt to reverse engineer, decompile, or tamper with the Site or its components.
Violation of these Terms may result in the suspension or termination of access to the Site.
8. Intellectual Property Rights
All content on www.topfinanzas.com (including text, images, graphics, logos, and software) is owned by or licensed to Top Networks Inc. and is protected by intellectual property laws. Users are prohibited from copying, modifying, or commercially using any content without prior authorization from Top Networks Inc.
9. Disclaimer of Warranties
THE DISCLAIMERS AND LIMITATIONS IN THIS SECTION APPLY TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW. THE SERVICES AND INFORMATION PROVIDED ON WWW.TOPFINANZAS.COM ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTY OR CONDITION OF ANY KIND, EITHER EXPRESS OR IMPLIED. TOP NETWORKS INC. STRIVES TO MAINTAIN ACCURATE AND FUNCTIONAL SERVICES, BUT WE CANNOT GUARANTEE THE CONTINUOUS OPERATION OR ACCESSIBILITY OF THE SITE, NOR CAN WE GUARANTEE FREEDOM FROM ERRORS OR INACCURACIES.
A) No Warranties
TOP NETWORKS INC. EXPRESSLY DISCLAIMS ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT, OR NON-INFRINGEMENT, AS WELL AS ANY WARRANTIES ARISING OUT OF USAGE OR TRADE PRACTICE. USERS ASSUME ALL RISK FOR ANY AND ALL DAMAGES THAT MAY RESULT FROM THEIR USE OF OR ACCESS TO THE SITE. TOP NETWORKS INC. IS NOT RESPONSIBLE FOR THE LOSS, DAMAGE, OR UNAVAILABILITY OF INFORMATION USERS SUBMIT, AND USERS ARE RESPONSIBLE FOR MAINTAINING BACKUPS OF SUCH INFORMATION.
B) No Guarantee of Accuracy
TOP NETWORKS INC. DOES NOT GUARANTEE THE ACCURACY OF, AND DISCLAIMS ALL LIABILITY FOR, ERRORS OR INACCURACIES IN ANY INFORMATION, CONTENT, RECOMMENDATIONS, OR MATERIALS AVAILABLE THROUGH THE SITE.
C) Information Provided for Informational Purposes Only
THE CONTENT ON WWW.TOPFINANZAS.COM IS PROVIDED FOR INFORMATIONAL, EDUCATIONAL, OR ENTERTAINMENT PURPOSES ONLY AND DOES NOT CONSTITUTE LEGAL, FINANCIAL, TAX, OR OTHER PROFESSIONAL ADVICE. TOP NETWORKS INC. IS NOT A FINANCIAL INSTITUTION OR INSURANCE PROVIDER. BEFORE MAKING ANY FINANCIAL DECISIONS OR IMPLEMENTING STRATEGIES, WE RECOMMEND CONSULTING PROFESSIONAL ADVISORS WHO UNDERSTAND YOUR UNIQUE CIRCUMSTANCES. USERS AGREE THAT THEY ARE RESPONSIBLE FOR THEIR OWN FINANCIAL RESEARCH AND DECISIONS, AND TOP NETWORKS INC. IS NOT LIABLE FOR ACTIONS TAKEN BASED ON INFORMATION PROVIDED THROUGH THE SITE.
D) No Warranties Regarding Third-Party Services
TOP NETWORKS INC. MAKES NO REPRESENTATIONS OR WARRANTIES REGARDING ANY THIRD-PARTY SERVICES OR PRODUCTS ACCESSIBLE THROUGH THE SITE. TOP NETWORKS INC. ACTS SOLELY AS AN INTERMEDIARY BETWEEN USERS AND THIRD-PARTY PROVIDERS AND DISCLAIMS ANY LIABILITY FOR THE CONTENT OR SERVICES PROVIDED BY THIRD-PARTIES.
10. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, TOP NETWORKS INC. AND ITS DIRECTORS, EMPLOYEES, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR USE, ARISING OUT OF OR RELATED TO YOUR USE OR INABILITY TO USE THE SITE, EVEN IF TOP NETWORKS INC. HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
IF, DESPITE THE ABOVE EXCLUSIONS, LIABILITY IS IMPOSED ON TOP NETWORKS INC., IT SHALL BE LIMITED TO THE GREATER OF THE AMOUNT PAID BY YOU FOR SERVICES (IF ANY) AND USD $100.
11. Governing Law
These Terms are governed by and construed under the laws of the Republic of Panama, without regard to conflict of law principles. All legal actions arising from or relating to these Terms shall be brought exclusively in the courts of Panama City, Republic of Panama.
12. Indemnification
You agree to indemnify and hold harmless Top Networks Inc. and its affiliates, directors, agents, and employees from any claims, losses, or liabilities arising from your use of the Site, violation of these Terms, or any unauthorized use of information or content.
13. Notifications
Notifications or messages to users regarding updates, changes, or other important information may be posted on the Site. For questions or issues, users may contact Top Networks Inc. at: [[email protected]].
14. General Provisions
If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full effect. Top Networks Inc.’s failure to enforce any provision shall not be deemed a waiver of that provision or any other.
15. Contact Information
For questions or concerns about these Terms, you may contact us at:
Top Networks Inc.
Email: [email protected]
Address: PANAMA, PANAMA CITY, AV. AQUILINO DE LA GUARDIA, OCEAN BUSINESS PLAZA BUILDING, FLOOR 12