Website Terms of Use

1. Terms and Definitions

1.1. For purposes of these Terms of Use, the following terms shall have the meanings as specified below:

Finteza Ltd: means the Finteza Ltd company which is the owner and the copyright owner of the website lst.to.

"User" means You or any person or entity who uses lst.to website and is one of the Parties to these Terms of Use. The User shall accept and comply with all the conditions of these Terms of Use.

You: means you as a lst.to User ('Your' and 'Yours' shall be construed accordingly).

Terms of Use: mean these lst.to Terms of Use which constitute the entire agreement between Finteza Ltd and the User, as well as updated, modified and/or amended future versions thereof as now or hereafter in effect.

Additional Terms: mean the terms and conditions that apply to Your use of the Software, Products and Website of Finteza Ltd, published or declared in addition to these Terms of Use.

Additional Agreements: mean agreements that apply to Your use of Finteza Services, published or declared in addition to these Terms of Use.

Affiliated Entities: mean any corporation, company or other entities that directly or indirectly control the operation of Finteza Ltd controlled by Finteza Ltd or that are together with Finteza Ltd controlled by third parties. For purposes of this document, "to control" and "controlled by" shall mean the direct or indirect ownership of more than 50% (Fifty percent) of the issued and outstanding ordinary shares of a corporation, company or another entity.

Content: means any and all content, consisting of text, sounds, pictures, photos, video and/or any type of information or communications.

Trademarks: mean trademark and service mark names, logos, domain names and other distinctive features of trademarks of their respective owners (or license holders).

Intellectual Property Rights: mean patents, patent applications, designs, trademarks and trade names (registered and unregistered), copyrights and other similar rights, database rights, technology, know-how and confidential information, all other intellectual property rights and similar or equivalent rights anywhere in the world that exist now or may exist in the future, as well as applications, alterations and amendments to any of the above rights.

Finteza Ltd Website: all elements, content and style (look and feel) of the website, including 3rd level domains, with the URL address lst.to.

Finteza Ltd Online Materials: mean materials available for downloading from the Finteza Ltd Website, as well as any changes made by Finteza Ltd in its sole discretion.

Finteza Ltd Advertising Materials: any and all trademarks, names, brands, signs, logos, banners, and any other materials, in whatever form, owned and/or used by Finteza Ltd for the promotion of the company, its products, services and activities.

Finteza Ltd Employees: officers, directors, employees and representatives of Finteza Ltd or Affiliated Entities, as well as any other persons employed by Finteza Ltd or its Affiliated Entities.

1.2. Words used in singular form include the plural, and vice versa, as appropriate.

1.3. Any words following the terms (in any form) "including", "among other things", "in particular" and similar expressions shall be construed as illustrative and not limiting the meaning of the words preceding those terms.


2. General

2.1. These Terms of Use, as well as updates hereof, constitute the entire agreement between You and Finteza Ltd and govern the terms on which You can use the website lst.to and Finteza Services.

By clicking on the "Continue", "Accept" or a similar button or an appropriate link and/or by using the lst.to website, You agree to the Terms of Use of this Agreement.

You agree that Finteza Ltd is not responsible for the materials, software, products or third party services that may be published or distributed on lst.to.

The User who has not agreed to be bound by these Terms of Use shall have no right to use the website lst.to and services.

The website lst.to is available for use by persons aged 18 and older.

2.2. These Terms of Use will automatically cease to be effective if it appears that You are (a) not an lst.to User, or (b) under the age of 18, or (c) a person who is not allowed to use the services in accordance with the applicable law of any country, including the country of Your residence.

2.3. If You are a company employee or executive and You use lst.to on behalf of Your company ("Company"), You accept and agree to the below: (i) by accepting these Terms of Use and by using lst.to, You acknowledge that You are explicitly authorized to do so by the Company based on Your and Company's compliance with this Agreement regarding the use of lst.to by You and the Company; (ii) You have obtained all consents, approvals and authorizations from the Company whatsoever needed, allowing You to officially act on behalf of the Company under these lst.to Terms of Use. You represent and warrant that You have obtained such consents, approvals and authorizations to use lst.to on behalf of the Company. If You do not have such authority, You shall not have the right to use lst.to.

2.4. Your agreement with Finteza Ltd can also include Additional Terms and Additional Agreements published or declared by Finteza Ltd on the Web or in the Finteza Ltd Website. Additional Terms and Agreements include, without limitations, terms and conditions set forth in these Terms of Use.

2.5. Before using the Services and Website, You must read and agree to the relevant license agreements and additional terms regarding the products or services offered by Finteza Ltd. You can accept such agreements or terms by clicking the appropriate button or as otherwise suggested by Finteza Ltd, Finteza Services and Website whereby You agree and acknowledge that by such use You accept the relevant agreements or terms.

2.6. You acknowledge and agree that by accepting these Terms of Use, as well as Additional Terms and Additional Agreements, You enter into a legally binding agreement with Finteza Ltd. In case of any conflict between the Additional Terms or Additional Agreements and these Terms of Use, Additional Terms or Additional Agreements shall prevail with respect to any particular service offered by Finteza Ltd.

Some Finteza Services or Software are subject to respective Rules, Additional Terms or Additional Agreements. The following Agreements, Terms and Rules also regulate Your use of the lst.to website and Finteza Services, and by this reference such Agreements, Terms and Rules are included into this Terms of Use of the lst.to website.

We reserve the right to revise and update any of these Agreements, Terms and Rules from time to time. Such changes shall be effective upon their publication on the lst.to site. Before using any of Finteza Services, You are required to read and accept the corresponding Rules, Additional Terms and Additional Agreements.

2.7. You hereby consent to the use of electronic communication in order to enter into agreements, contracts, make payments, place orders and other records, as well as to the electronic delivery of notices, policies and records of transactions initiated or completed via the website lst.to or Finteza Services.

2.8. Furthermore, You hereby waive any rights or requirements under any laws or regulations in any jurisdiction which require an original non-electronic signature or delivery or retention of non-electronic records, to the extent permitted by applicable mandatory law.

2.9. If You are a resident of a jurisdiction where the use of the website lst.to or Finteza Services is prohibited by law due to different requirements or a complete ban on the use of the Finteza Ltd or the website lst.to or Finteza Services in any such jurisdiction, do not install or use them.

2.10. Use of the website lst.to requires compatible devices (computer, mobile phone, etc.) and Internet access. The website lst.to may use Your computer (or other device) resources, including, but not limited to, CPU, memory and network connectivity to ensure the functionality of the website lst.to. Finteza Ltd will use its commercially reasonable efforts to protect the privacy and integrity of Your computer resources and Your communications. However, You acknowledge and agree that Finteza Ltd cannot give any warranties in this respect.


3. Use of the Website lst.to

3.1. You agree to provide accurate and complete information when You register on, and as You use, the website lst.to, and You agree to update Your registration data to keep it accurate and complete. may store and use the registration data You provide for maintaining Your Account and performing its obligations under these Terms of Use.

3.2. You agree that Finteza Ltd may, in its sole discretion and without prior notice, suspend or terminate the provision of any Finteza Service or access to the website lst.to (or its functions) to You personally or all Users.

3.3. Finteza Ltd. may engage the services of consultants and other contractors in connection with the performance of obligations and exercise of rights under this Agreement, provided that such consultants and contractors will be bound by the same obligations as Finteza Ltd.

3.4. Finteza Ltd may make available to You various payment processing methods. You agree to abide by any relevant terms and conditions or other legal agreement, whether with Finteza Ltd or a third party, that governs Your use of a given payment processing method. You agree that Finteza Ltd may add or remove payment processing methods in its sole discretion and without notice to You.

3.5. Finteza Ltd may discover that the content, materials, products or services published or distributed on lst.to violate any Additional Terms or Additional Agreement or other legal agreements, third party rights, laws, rules and regulations. You agree that in this case Finteza Ltd reserves the right to discontinue the distribution of, remove or stop the publication of, such content, materials, products or services, in its sole discretion or as required by the relevant government authorities.

3.6. You agree to use the website lst.to only for purposes that are permitted by (а) these Terms of Use, and (b) any applicable law, regulation or generally accepted practices or guidelines in the relevant jurisdictions, and in accordance with moral principles and rationality. You agree to comply with all local laws and regulations regarding the download, installation and/or use of the materials, products and services.

3.7. You agree not to use the website lst.to by any means other than through the interface that is provided by Finteza Ltd on lst.to or the Finteza interface, unless You have been specifically allowed to do so in a separate agreement with Finteza Ltd. You specifically agree not to access the website lst.to through any automated means, including use of scripts, crawlers, or similar technologies.

3.8. You agree that You will not engage in any activity that interferes with or disrupts the operation of the website lst.to (as well as the servers and networks which service the website lst.to).

3.9. You agree that You will not reproduce, duplicate, copy, sell, trade or resell the content of the website lst.to, unless you have been specifically permitted to do so in a separate agreement with Finteza Ltd. You must retain all copyright and other proprietary notices contained in the original materials on any copy You make of the materials of the Content. You may not modify the Content in any way or publicly display, reproduce or distribute it. The website lst.to is the property of Finteza Ltd. The Finteza Ltd Websites are protected by international copyright laws. Any unauthorized use of the Finteza Ltd Websites may violate copyright laws, trademark laws and other laws.

3.10. You agree that You are solely responsible for, and that Finteza Ltd has no responsibility to You or to any third party for, Your use of the website lst.to and any Finteza Services, products or services, any breach of Your obligations under these Terms of Use, and for the consequences of any such breach (including any loss or damage of any kind which Finteza Ltd or any third party may suffer).

3.11. You agree to comply with any and all applicable tax laws, including the reporting and payment of any taxes arising in connection with Your use of the website lst.to and Finteza Services, and that the reporting and payment of any such applicable taxes are Your responsibility.

3.12. Finteza Ltd reserves the right (but shall have no obligation) to pre-screen, review, flag, filter, modify, refuse or remove any or all Content, products, materials or services from the website lst.to. However, You agree that by using the website lst.to You may be exposed to materials, products or services that You may find offensive, indecent or objectionable and that You use the website lst.to at Your own risk.

3.13. You agree that Finteza Ltd and its Affiliated Entities own all right, title and interest in and to the lst.to website. You agree that Finteza Ltd has all the appropriate rights and licenses for the distribution of the Content, materials, products or services through the website lst.to and Finteza Services that are provided by their respective authors or other copyright owners. You agree that You will not, and will not allow any third party to,

(I) copy, sell, license, distribute, transfer, modify, adapt, translate, prepare derivative works from, decompile, reverse engineer, disassemble or otherwise attempt to derive the source code of the software located on the website lst.to, unless otherwise permitted,

(II) take any action to circumvent or defeat the security or content usage rules provided, deployed or enforced by any functionality (including without limitation digital rights management or forward-lock functionality) in the materials, products and services,

(III) use the Content, materials, products or services to access, copy, transfer, transcode or retransmit content in violation of any law or third party rights, or

(IV) remove, obscure, or alter copyright notices, trademarks, or other proprietary rights notices of Finteza Ltd or any third party, affixed to or contained within the Content, materials, products or services.

3.14. All rights to Trademarks, as well as property rights and titles, including but not limited to any and all rights to intellectual property are the property of their respective owners or license holders. Except as otherwise provided in these Terms of Use, neither party grants to the other party any right, title or interest (including, but not limited to, any implied licenses) in or to Trademarks. Nothing in this Agreement gives the User a right to use any trade names, trademarks, service marks, logos, domain names, and other distinctive brand features of Finteza Ltd.

3.15. In using the website lst.to or Finteza Services, You are not granted any intellectual property rights or rights in or to the website lst.to or Finteza Services or to any related content, including materials, documentation, products or services. Any other use of the content shall be allowed only subject to respective owner's authorization or when this is provided by law. These Terms of Use do not grant You any right to use any branding or logos of Finteza Ltd. You must not remove, obscure, or alter any legal notices displayed on the pages of the website lst.to.

3.16. You shall not access or attempt to access an Account that You are not authorized to access. You agree not to modify the software in any manner or form, or to use modified versions of the software, for any purposes including obtaining unauthorized access to the website lst.to or Finteza Services. Violations of system or network security may result in civil or criminal liability.

3.17. You agree not to carry out illegal acts directed at massive attraction of visitors to the lst.to website. Any unauthorized massive advertising campaigns concerning lst.to website services are prohibited.


4. Submission of User Materials on lst.to

4.1. The User shall not post or transmit through the website lst.to any materials that:

  1. are unlawful, threatening, abusive, libelous, derogatory, invasive of privacy or publicity rights, vulgar, obscene, indecent or otherwise objectionable;
  2. to a certain extent, discredit the honor, dignity, business reputation, legal rights and interests of other persons;
  3. promote hatred towards persons or a group of persons based on religion, race or ethnic origin, and constitute attempts to incite hostility or violence;
  4. could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any applicable law or contractual obligation;

4.2. Any conduct by a User that in the sole discretion of Finteza Ltd. restricts or inhibits any other lst.to User from using and enjoying his or her rights, will not be permitted.

4.3. The User shall not post or transmit through the website lst.to any commercial, advertising or promotional materials for goods or services without prior written consent of Finteza Ltd. The User shall not use the Website to advertise or otherwise promote sales of any goods and services in any form whatsoever.

4.4. The User shall not upload, post or otherwise make available on lst.to any material protected by intellectual property law (including copyright, trademark law, etc.) or other proprietary right without the express permission of the owner of the copyright, trademark or other proprietary right. The burden of determining that any material posted by the User on lst.to is not protected by copyright, neighboring or third party rights rests with the User.

4.5. Finteza Ltd. does not pre-screen, monitor, review or edit materials posted by the User. The User agrees to be solely liable for any materials submitted by the User on the Website, including the content of such materials, compliance with the law, any damage resulting from the infringement of third party rights to the materials submitted by the User, as well as abidance by these Terms of Use, Additional Terms and Additional Agreements. Finteza Ltd shall not be responsible for the materials submitted by the User on lst.to. The User shall compensate for any damage arising out of or in connection with the User's violation of these Terms of Use, applicable local laws or other international laws and regulations.

4.6. By submitting any materials to the sections of lst.to for public use, the User automatically grants (or warrants that the owner of such materials has expressly granted Finteza Ltd) Finteza Ltd, its partners and Affiliated Entities the royalty-free, perpetual, irrevocable, non-exclusive right (non-exclusive license) to use, post, store, reproduce, modify, create derivative works from (such as those resulting from translations, adaptations or other optimizations), communicate, publish, publicly perform, publicly display and distribute such materials, worldwide for the full term of any copyright that may exist in such material as stipulated by local laws. The above rights are used for the limited purpose of operating, promoting, and improving the website lst.to. No additional formality, including that in writing, will be required for the rights granted by the User to be recognized. This license shall continue even if You stop using the website lst.to. Before You submit to Finteza Ltd any materials and thus grant this license for their use, make sure You have the necessary rights to do so.

Some Finteza Services have in place Additional Terms, Additional Agreements and Rules governing the scope of rights, purposes and terms of use applicable to the materials, products and services of the User.


5. Privacy and Personal Data Protection.

5.1. We use personal data, which help us to create, develop, manage, provide and improve our Services and contents, as well as to protect against fraud and copyright violation.

5.2. We may occasionally use Your personal data to send You important notices of changes in our Terms of Services or Policies. We may also use personal data for internal purposes, such as auditing, data analysis and research, which enable us to improve our Services.

5.3. When You visit our websites, we may collect technical and navigational information, such as the type of the web browser, Internet protocol address, language, location, time zone, unique device/browser identifier and requested URLs so that we may better understand customer behavior and improve our Services. We may also collect information regarding specific activities you perform on our website. This information is used to help us improve the content and usability of our websites. This information is aggregated and we consider aggregated information as non-personal for the purposes of our privacy policy If we do combine non-personal information with personal information the combined information will be treated as personal information for as long as it remains combined.

5.4. To find out more about how we collect and use the information you provide, please read our Privacy and Data Protection Policy.


6. Termination

6.1. These Terms of Use shall be effective until terminated by either You or Finteza Ltd, as described below.

6.2. You may terminate these Terms of Use by discontinuing Your access to and use of the website lst.to and all materials, products and services obtained or downloaded from the website lst.to.

6.3. Upon termination of these Terms of Use, all legal rights and obligations to be executed or performed by You or Finteza Ltd (or accrued during the term of these Terms of Use) or perpetual rights and obligations, shall not be modified due to termination of these Terms of Use.

6.4. Finteza Ltd may at any time terminate these Terms of Use if:

  • You fail to comply with any provision of these Terms of Use;
  • Finteza Ltd will be forced to do so pursuant to the law;
  • You cease to be a User;
  • Finteza Ltd decides to terminate the operation of the lst.to website.


7. Disclaimer of Warranties

7.1. You understand and agree that your use of the website lst.to is at your sole risk and that the website lst.to is provided on an "as is" and "as available" basis without warranty of any kind. You expressly acknowledge and agree that your use of the website lst.to is at your sole risk and that the entire risk as to satisfactory quality, performance, accuracy and effort is with you. To the maximum extent permitted by applicable law, the materials, products and any services offered or rendered on lst.to are provided “as is” and "as available", with all faults and without warranty of any kind, and Finteza Ltd hereby disclaims all warranties and conditions with respect to the products and any services, either express, implied or statutory, including, but not limited to, the implied warranties and/or conditions of merchantability, of satisfactory quality, of fitness for a particular purpose, of accuracy, of quiet enjoyment, and non-infringement of third party rights.

7.2. You agree to use the website lst.to and any materials downloaded or otherwise obtained through the use of the website lst.to at your own discretion and risk and you will be solely responsible for any damage to your computer system or other device or loss of data as a result of such use.

7.3. Finteza Ltd further expressly disclaims all warranties and conditions of any kind, whether express or implied, including, but not limited to the implied warranties and conditions of merchantability, fitness for a particular purpose and non-infringement of intellectual property rights.


8. Limitation of liability

8.1. To the extent not prohibited by law, in no event shall Finteza Ltd be liable for personal injury, or any incidental, special, indirect or consequential damages whatsoever, including, without limitation, damages for loss of profits, loss of data, business interruption or any other commercial damages or losses, arising out of or related to your use or inability to use the website lst.to, however caused, regardless of the theory of liability (contract, tort or otherwise) and even if Finteza Ltd has been advised of the possibility of such damages.

8.2. Finteza Ltd is not a registered investment advisor, broker/dealer, financial analyst, financial bank, securities broker or financial planner. Finteza Ltd is a technology provider which among other things facilitates the sharing of trade information via the internet. Users of the service may use the trade information to formulate their own investment decisions which could be to copy the trades of others. All information on the lst.to is provided for information purposes only. The information is not intended to be and does not constitute financial advice or any other advice, is general in nature and not specific to you. Before using the company’s information to make an investment decision, you should seek the advice of a qualified and registered securities professional and undertake your own due diligence. None of the information on our site is intended as investment advice, as an offer or solicitation of an offer to buy or sell, or as a recommendation, endorsement, or sponsorship of any security, company, or fund. The company is not responsible for any investment decision made by you. You are responsible for your own investment research and investment decisions.


9. Indemnification

9.1. You hereby agree, to the fullest extent permitted by law, to indemnify, defend, and hold Finteza Ltd, its Affiliated Entities and each of their respective directors, managers, employees and agents, as well as Authorized operators, harmless from and against any and all third party claims, demands, causes of action, suits or proceedings, as well as any and all losses, liabilities, damage, costs or expenses (including any reasonable attorneys' fees), arising from or relating to:

  • Your violation of these Terms of Use when using the website lst.to,
  • infringement of any copyright, trademark right, trade secret, vendibility, patent or other intellectual property right of any third party, damage of any third party's reputation or violation of publicity or privacy right of any third party, in connection with any material posted by the User on the website lst.to.


10. Changes to These Terms of Use

10.1. Finteza Ltd reserves the right to change and revise these Terms of Use. Each time changes are made to these Terms of Use, Finteza Ltd will publish a revised version of the Terms of Use on lst.to. The revised version of the Terms of Use shall be effective immediately upon publication. Your use of the website lst.to following any change to these Terms of Use will constitute Your assent to and acceptance of the revised Terms of Use.


11. General Legal Terms

11.1. These Terms of Use constitute the entire legal agreement between You and Finteza Ltd, govern Your access to and use of the website lst.to and can complement any prior agreements between You and Finteza Ltd in relation to the website lst.to.

11.2. You acknowledge that the failure of Finteza Ltd to exercise or enforce or delay of Finteza Ltd in exercising or enforcing any legal rights or remedies provided hereunder (or by any applicable law) shall not constitute a waiver of such rights or remedies on part of Finteza Ltd and that such rights and remedies will continue to be available to Finteza Ltd.

11.3. If any provision of these Terms of Use is found by a court of competent jurisdiction to be invalid, then that provision will be removed from these Terms of Use without affecting the rest of these Terms of Use. The remaining provisions of these Terms of Use will continue to be valid and enforceable.

11.4. These Terms of Use, as well as Your relationship with Finteza Ltd hereunder shall be governed by and construed in accordance with the laws of the Republic of Cyprus, without regard to its conflict of laws provisions. You and Finteza Ltd agree that the courts of the Republic of Cyprus shall have exclusive jurisdiction over any dispute arising out of these Terms of Use. Notwithstanding this, You agree that Finteza Ltd shall still be allowed to apply for injunctive remedies (or an equivalent type of urgent legal relief) in any jurisdiction.

11.5. Finteza Ltd is not a Registered Investment Advisor, Broker/Dealer, Financial Analyst, Financial Bank, Securities Broker or Financial Planner. Finteza Ltd is a technology provider which among other things facilitates the sharing of trade information via the Internet.

Users of the service may use the trade information to formulate their own investment decisions. All Information on the lst.to is provided for information purposes only. The Information is not intended to be and does not constitute financial advice or any other advice, is general in nature and not specific to You.

Before using the Company's information to make an investment decision, You should seek the advice of a qualified and registered securities professional and undertake Your own due diligence. None of the information on our Site is intended as investment advice, as an offer or solicitation of an offer to buy or sell, or as a recommendation, endorsement, or sponsorship of any security, Company, or fund. The Company is not responsible for any investment decision made by You. You are responsible for Your own investment research and investment decisions.