TERMS OF USE - PEERKAT & FINTECH FUTURISTS NETWORK
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1. Introduction

Vivid IoV Labs Ltd trading as ‘Peerkat’ and ‘FinTech Futurists Network’, is a company registered in England and Wales with company number 12452820 and registered address at Innovation Labs, Wharfside House, Stowmarket, England, IP14 1RD (“Peerkat”, “we”, “us”, or “our”). To contact us, please email support@peerkat.com.

These terms of use (“Terms”) (together with the documents and additional terms referred to in it) tell you the rules for using when you visit our websites (including subdomains of our websites) and third-party applications through which we make our products/services available including, for example Slack (together, the “Platform”).

By using our Platform, you confirm that you accept these Terms and that you agree to comply with them. If you do not agree to our terms, you must not use our Platform.

We recommend that you print a copy of these Terms for future reference as they govern your use of the Platform.

These Terms refer to the following additional terms, which also apply to your use of our Platform and/or products/services:
- Our Privacy Policy (https://www.peerkat.com/privacy) which sets out the terms on which we process any personal data we collect from you, or that you or a third party provide to us.
- Our Cookie Policy (https://www.peerkat.com/cookies) which sets out information about the cookies and similar technologies used on our Platform.

2. Children

Our Platform is not intended for and may not be used by people under the age of 18. If you are under the age of 18, you must stop using our Platform immediately.

3. Prohibited use

You may use the Platform only for lawful purposes. You may not use the Platform:
- in any way that breaches any applicable local, national or international law or regulation;
- in any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect;
- for the purpose of harming or attempting to harm minors in any way;
- to send, knowingly receive, upload, download, use or re-use any material which does not comply with our data content standards as set out below;
- to transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam);
- to knowingly transmit any data, send or upload any material that contains viruses, trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or - similar computer code designed to adversely affect the operation of any computer software or hardware; or
- to upload terrorist or potential terrorist content.
You also agree:
- not to reproduce, duplicate, copy or re-sell any part of the Platform in contravention of the provisions of these Terms; and
- not to access without authority, interfere with, damage or disrupt: any part of the Platform; any equipment or network on which the Platform is stored; any software used in the provision of the Platform; or any equipment or network or software owned or used by any third party.

4. Content and conduct standards

Any content that you propose to share on our Platform and your conduct in relation to our activities and Platform must comply with these content and conduct standards, which must be complied with in spirit as well as to the letter.

We will determine, in our entire discretion, whether your content and/or conduct breaches the content and conduct standards.

Neither any content that you share nor your conduct must not:
- be defamatory of any person;
- be obscene, offensive, hateful or inflammatory;
- promote sexually explicit material;
- promote violence;
- promote discrimination based on race, sex, religion, nationality, disability, sexual orientation or age;
- infringe any intellectual property rights, including, but not limited to copyright, database right or trade mark of any other person;
- be likely to deceive any person;
- breach any legal duty owed to a third party, such as a contractual duty or a duty of confidence;
- promote any illegal activity;
- be in contempt of court;
- be threatening, abuse or invade another’s privacy, or cause annoyance, inconvenience or needless anxiety;
- be likely to harass, upset, embarrass, alarm or annoy any other person;
- impersonate any person, or misrepresent your identity or affiliation with any person;
- give the impression that your content emanates from Peerkat, if this is not the case;
- advocate, promote, incite any party to commit, or assist any unlawful or criminal act such as (by way of example only) copyright infringement or computer misuse; and
- contain any statement which you know or believe, or have reasonable grounds for believing, that members of the public to whom the statement is, or is to be, published are likely to understand as a direct or indirect encouragement or other inducement to the commission, preparation or instigation of acts of terrorism.

You warrant that your content and/or conduct complies with the above-mentioned content and conduct standards, and you will be liable to indemnify us and keep us indemnified against any breach of that warranty. This means you will be responsible on a continuing basis for any loss or damage we suffer as a result of your breach of warranty.

We will do our best to review and assess any possible risks for our users from the sharing of content on our Platform. However, whilst we may review users’ content shared on our Platform, any such review does not constitute any representation or guarantee made by us as regards that applicable content’s compliance with our content standards, nor does any such review constitute our verification or approval of the content shared. The views expressed by other users of our Platform pursuant to such content does not represent our views or values.  We expressly exclude our liability for any loss or damage arising from the use of the Platform by a user in contravention of our content and conduct standards.

We also have the right to disclose your identity to any third party who is claiming that any content in your listing on our Platform constitutes a violation of their intellectual property rights, or of their right to privacy.

If you wish to complain about any content shared on our Platform or another user’s conduct in relation to our activities and Platform, please contact us at support@peerkat.com.

5. We do not guarantee that our Platform will be secure or free from bugs or viruses.

We are not responsible for viruses and you must not introduce them.

You are responsible for configuring your information technology, computer programs and platform to access to our Platform. You should use your own virus protection software.

You must not misuse our Platform by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Platform, the server on which the Platform is stored or any server, computer or database connected to the Platform. You must not attack the Platform via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Platform will cease and will be terminated immediately.

6. Intellectual property rights
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We are the owner or licensee of all intellectual property rights on our Platform, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from our Platform for your personal use and you may draw the attention of others within your organisation to content posted on the Platform.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of content on the Platform must always be acknowledged.

You must not use any part of the content on the Platform for commercial purposes without obtaining written permission to do so from us; and in any case, you can only use any part of the content on the Platform in accordance with these Terms.

If you print off, copy or download any part of Platform in breach of these Terms, your right to use the Platform will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Subject to your compliance with these Terms, we grant you a revocable, non-exclusive, non-sublicensable and non-transferable licence to use our Platform within the scope and purposes of our Platform. You shall not access, use, or disclose our original source code, technique, algorithms and procedures of or contained in or relating to our Platform.

You are not permitted to use, in the cause of trade, any trade marks (registered or otherwise) belonging to us.

7. Do not rely on information on the Platform

The content on the Platform is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on the Platform.

Although we make reasonable efforts to update the information on our Platform, we make no representations, warranties or guarantees, whether express or implied, that the content on our Platform is accurate, complete or up to date.

If you enter into any financial transactions pursuant to or in connection with material you have seen on our Platform, note that such transactions will be conducted solely on your own decision and choosing and would be entirely separate to our Platform. We have no insight into and have no control over any such transactions, nor do we have any ability to reverse or amend such transactions. With that in mind, we will have no liability to you or any third party for any claims or damages that may arise as a result of any such transactions that you may enter into.

8. We are not responsible for third party links
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Where our Platform contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them.

We have no control over the contents of those sites or resources.

You may establish links to our Platform, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

You must not establish a link to the Platform in any website that is not owned by you.

We reserve the right to withdraw linking permission without notice.

The website in which you are linking must comply in all respects with the content standards set out in these Terms.

If you wish to link to or make any use of content on the Platform other than that set out above, please contact support@peerkat.com.

9. Breach of these Terms

Any breach by you of these Terms may constitute your repudiation of these Terms, which it will be open to us to accept, thereby bringing this contract to an end, without prejudice to our accrued rights of action against you.

When we consider that a breach of these Terms has occurred, we may take such action as we deem appropriate. This may include, but is not limited to:
- immediate, temporary or permanent withdrawal of your right to use the Platform;
- immediate, temporary or permanent removal of any of your content on our Platform;
- issue of a warning to you;
- legal proceedings against you for reimbursement of all costs on an indemnity basis (including, but not limited to, reasonable administrative and legal costs) resulting from the breach;
- further legal action against you; and/or
- disclosure of such information to law enforcement authorities as we reasonably feel is necessary or as required by law.

We exclude our liability for all action we may take in response to breaches of these Terms. The actions we may take are not limited to those described above, and we may take any other action we reasonably deem appropriate.

10. Suspending or withdrawing the Platform

The Platform is made available for your use free of charge.

We do not guarantee that the Platform, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of the Platform for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.

You are also responsible for ensuring that all persons who access the Platform through your internet connection are aware of these Terms and other applicable terms and conditions, and that they comply with them.

11. Our responsibility for loss or damage suffered by you

We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.

Please note that we only provide the Platform and our products/services for domestic and private use. You agree not to use the Platform and our products/services for any commercial or business purposes or in the course of trade, and we have no liability to you for any:
- loss of profits, sales, business or revenue;
- business interruption;
- loss of anticipated savings;
- loss of business opportunity, goodwill, or reputation; or
- any indirect or consequential  loss or damage.

To the fullest extent permitted by law, we exclude all implied conditions, warranties, representations or other terms that may apply to the Platform or any content on it.

We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
- use of, or inability to use, the Platform; or
- use of or reliance on any content displayed on the Platform.

We shall not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data, or other proprietary material due to your use of our Platform or to your downloading of any content on it, or on any website linked to it.

We assume no responsibility for the content of third-party websites linked on our Platform. Such links should not be interpreted as endorsement by us of those linked websites. We shall not be liable for any loss or damage that may arise from your use of them.

12. Governing law and jurisdiction

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

You and we both agree that the courts of England and Wales will have exclusive jurisdiction to settle any difference or dispute or claim (including non-contractual differences or disputes or claims) arising out of or in connection with these Terms or their performance, subject matter or formation.

13. Changes to these Terms or the Platform

We amend these Terms from time to time. Every time you wish to use the Platform, you must check these Terms to ensure that you understand the terms that apply at that time.

We may update and change the Platform (including any content on the Platform) from time to time, to reflect changes in relevant laws and regulatory requirements, or make improvements or enhancements to them.

14. Our rights and obligations

We may transfer our rights and obligations under these Terms to another organisation. We aim to inform you in writing if this happens.

15. How to contact us

Questions, comments and requests regarding these Terms are welcomed and should be addressed to Vivid IoV Labs Ltd at Innovation Labs, Wharfside House, Stowmarket, England, IP14 1RD or by email to support@peerkat.com.

These Terms were last updated on 7 February 2025.