Terms of Use

1. Acceptance of Terms

These Terms of Use ("Terms") govern your access to and use of the website located at timvero.com (the "Website"), operated by TIMVERO Ltd ("TIMVERO", "we", "us", "our"), a company incorporated in the United Kingdom.

By accessing or using the Website — including browsing any page, submitting a demo request, or downloading any materials — you agree to be bound by these Terms in their entirety. If you do not agree with any part of these Terms, you must not use the Website.

These Terms apply to all visitors, including business representatives, prospective clients, partners, and any other users of the Website. Use of the Website is intended for business professionals only. It is not directed at consumers or individuals acting in a personal capacity.

These Terms should be read alongside our Privacy Policy, which governs our collection and use of personal data and is incorporated herein by reference.

2. About TIMVERO and the Website

TIMVERO Ltd operates the Website as a marketing and informational platform for timveroOS, a cloud-based lending management system (LMS/LOS) designed for financial institutions. The Website is used to:

• Present information about timveroOS and its features
• Allow business professionals to request a product demonstration
• Publish educational and industry content, including blog articles, case studies, whitepapers, and videos
• Enable prospective clients to make initial contact with TIMVERO's sales team

The Website does not provide access to the timveroOS platform itself. Use of the timveroOS platform is governed by a separate software licence or subscription agreement entered into between TIMVERO and the relevant client organisation.

3. Permitted Use of the Website

Subject to these Terms, TIMVERO grants you a limited, non-exclusive, non-transferable, revocable licence to access and use the Website for the following permitted purposes:

• Browsing and reviewing information about timveroOS and TIMVERO's services
• Submitting a demo request or contact enquiry
• Downloading or reviewing publicly available materials, including whitepapers, case studies, blog articles, and videos, for your own internal informational purposes
• Evaluating whether timveroOS may be suitable for your organisation

All use of the Website must be lawful, in good faith, and consistent with these Terms. This licence does not extend to use of the Website or its content for any commercial purpose other than evaluating TIMVERO's services as a potential client.

4. Prohibited Use

You must not use the Website in any manner that:

• Violates any applicable law, regulation, or third-party rights
• Is fraudulent, deceptive, misleading, or otherwise made in bad faith
• Involves automated scraping, crawling, or harvesting of content without prior written consent from TIMVERO
• Transmits or introduces any virus, malware, spyware, or other malicious or harmful code
• Attempts to gain unauthorised access to any part of the Website, its servers, or any connected systems
• Interferes with or disrupts the integrity, performance, or security of the Website
• Reproduces, copies, distributes, sells, or commercially exploits any content from the Website without express written authorisation
• Impersonates TIMVERO, its employees, partners, or any other person or entity
• Uses the Website to send unsolicited commercial communications (spam)
• Reverse-engineers, decompiles, or disassembles any technology underlying the Website

TIMVERO reserves the right to suspend or terminate access to the Website at any time, without notice, for any user who breaches these Terms or whose use is deemed harmful or inappropriate by TIMVERO.

5. Intellectual Property

5.1 TIMVERO's Intellectual Property

All content on the Website — including but not limited to text, graphics, logos, icons, images, videos, blog articles, case studies, whitepapers, product descriptions, data, software code, and the overall selection and arrangement of content — is the exclusive property of TIMVERO Ltd or its licensors and is protected by applicable intellectual property laws, including copyright, trade mark, and database rights.

The TIMVERO name, logo, and the timveroOS mark are trademarks of TIMVERO Ltd. Nothing in these Terms grants you any right to use TIMVERO's trademarks without prior written consent.

5.2 Permitted Use of Content

You may view and download Website content (including whitepapers, case studies, and blog articles) solely for your own internal, non-commercial, informational use, provided that:

• You retain all copyright and proprietary notices in any downloaded materials
• You do not modify, adapt, or create derivative works based on the content
• You do not reproduce or redistribute the content for commercial purposes
• You do not use the content in any manner that suggests TIMVERO endorses you or your organisation

5.3 Feedback and Submissions

If you submit any feedback, suggestions, ideas, or other communications to TIMVERO regarding the Website or timveroOS ("Feedback"), you grant TIMVERO a non-exclusive, royalty-free, perpetual, irrevocable, worldwide licence to use, reproduce, and incorporate such Feedback for any purpose without restriction or compensation to you. TIMVERO has no obligation to act on any Feedback provided.

6. Demo Requests and Contact Forms

The Website includes forms that allow you to request a product demonstration or to make a general enquiry. By submitting a demo request or contact form, you:

• Confirm that the information you provide is accurate and complete
• Acknowledge that submission does not create any contractual relationship between you and TIMVERO
• Agree that TIMVERO may contact you at the email address or phone number provided for the purpose of responding to your enquiry and providing relevant information about timveroOS
• Acknowledge that TIMVERO makes no guarantee that a demonstration will be scheduled or that any particular outcome will result from your enquiry

Use of demo request forms is intended for authorised representatives of business organisations. Please do not submit personal information on behalf of others without their authorisation.

7. Downloadable Materials

The Website may make certain materials available for download, including whitepapers, case studies, and other resources. These materials are provided for informational purposes only and do not constitute legal, financial, regulatory, or professional advice.

TIMVERO makes reasonable efforts to ensure that downloadable materials are accurate and up to date at the time of publication. However, such materials may become outdated, and TIMVERO does not warrant their ongoing accuracy, completeness, or suitability for any particular purpose.

Downloaded materials remain subject to the intellectual property restrictions set out in Section 5 above.

8. Disclaimer of Warranties

The Website and all content, materials, and information on it are provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied.

To the fullest extent permitted by applicable law, TIMVERO expressly disclaims all warranties, including but not limited to:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
• Any warranty that the Website will be available, uninterrupted, timely, secure, or error-free
• Any warranty that defects or errors will be corrected
• Any warranty regarding the accuracy, reliability, or completeness of any content or information on the Website

Nothing on the Website constitutes a binding offer, representation, or warranty regarding timveroOS or any other product or service. The features, pricing, availability, and specifications of timveroOS are subject to change and will be set out in a separate agreement.

9. Limitation of Liability

To the maximum extent permitted by applicable law, TIMVERO Ltd, its directors, officers, employees, agents, and licensors shall not be liable for any:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, business opportunity, or goodwill
• Business interruption or loss arising from reliance on content published on the Website
• Damages resulting from unauthorised access to or alteration of your data or transmissions
• Damages arising from any third-party content or linked websites

These limitations apply regardless of the legal theory on which a claim is based (contract, tort, negligence, strict liability, or otherwise) and even if TIMVERO has been advised of the possibility of such damages.

Nothing in these Terms limits TIMVERO's liability for: (a) death or personal injury caused by its negligence; (b) fraud or fraudulent misrepresentation; or (c) any other liability that cannot be excluded or limited by law.

10. Third-Party Links and Content

The Website may contain hyperlinks to third-party websites, resources, or services that are not operated or controlled by TIMVERO. Such links are provided for convenience and informational purposes only.

TIMVERO does not endorse, and has no responsibility for, any third-party content, products, services, or privacy practices. You access third-party websites at your own risk and should review the applicable terms of use and privacy policies of those sites.

The inclusion of any link on the Website does not imply any affiliation, sponsorship, or recommendation by TIMVERO.

11. Website Availability and Maintenance

TIMVERO makes reasonable efforts to ensure the Website is available at all times. However, we do not guarantee that the Website will be available continuously, without interruption, or free from errors.

We reserve the right to:

• Suspend or discontinue the Website, or any part of it, at any time without notice
• Modify, update, or remove content from the Website without prior notification
• Carry out maintenance, security updates, or improvements that may temporarily affect availability

TIMVERO shall not be liable for any loss or inconvenience arising from the unavailability of the Website.

12. Privacy

Your use of the Website is also governed by our Privacy Policy, available at timvero.com/privacy-policy, which describes how we collect, use, and protect your personal data in accordance with the UK GDPR, EU GDPR, and other applicable data protection legislation.

By using the Website, you acknowledge that you have read and understood our Privacy Policy. If you do not agree with how we handle personal data, please refrain from using the Website or submitting any personal information.

13. Cookies

The Website uses cookies and similar tracking technologies. Details of the cookies we use, their purpose, and how to manage your preferences are set out in our Privacy Policy and in the Cookie Preferences Centre accessible via the Website footer.

By continuing to use the Website after accepting our cookie banner, you consent to the use of non-essential cookies in accordance with our Privacy Policy.

14. Changes to These Terms

TIMVERO reserves the right to update or amend these Terms at any time. When material changes are made, we will update the "Last Reviewed" date at the top of this page. In some cases, we may also provide additional notice (for example, a notice on the Website homepage).

Your continued use of the Website after any changes have been published constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you should discontinue use of the Website.

We recommend that you review these Terms periodically to remain informed of any updates.

15. Governing Law and Jurisdiction

These Terms and any dispute or claim arising out of or in connection with them (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of England and Wales.

The parties agree that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms or their subject matter, save that TIMVERO reserves the right to seek injunctive or other emergency relief in any jurisdiction where it determines such relief is necessary to protect its intellectual property or other rights.

If you are accessing the Website from a jurisdiction outside the United Kingdom, you do so at your own risk and are responsible for compliance with applicable local laws. TIMVERO makes no representation that the Website or its content is appropriate or available for use in any particular location.

16. Severability

If any provision of these Terms is found to be unlawful, void, or unenforceable by a court of competent jurisdiction, that provision shall be deemed severable from the remaining provisions. It shall not affect their validity and enforceability. The remaining provisions shall continue in full force and effect.

17. No Waiver

TIMVERO's failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. Any waiver of any provision of these Terms will only be effective if made in writing and signed by an authorised representative of TIMVERO.

18. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and TIMVERO with respect to your use of the Website and supersede all prior discussions, representations, or agreements relating to the same subject matter.

These Terms do not apply to the use of timveroOS itself, which is governed by a separate agreement between TIMVERO and the client organisation.

19. Contact Us

If you have any questions about these Terms, or wish to report a concern about Website content or use, don't hesitate to get in touch with us:

Email: legal@timvero.com

Website: timvero.com

Privacy enquiries: privacy@timvero.com