Effective Date: June, 19, 2025
Website: www.ratex42.com
Owner: RatEx42 – Cyber Finance Rating Agency

1. Acceptance of Terms

By accessing or using www.ratex42.com (“Site”), you agree to be bound by these Terms of Use and all applicable laws and regulations. If you do not agree, please do not use this Site.

RatEx42 reserves the right to modify these terms at any time. Changes will be posted on this page, and your continued use of the Site constitutes your acceptance of those changes.

2. Purpose of the Site

www.ratex42.com is the editorial and review platform of RatEx42, providing:

• Independent reviews of financial and cyber finance products

• Investigative articles and analysis

• Links to compliance ratings and risk profiles hosted on listings.ratex42.com

This content is for informational and educational purposes only. It is not financial advice and does not constitute an offer to buy or sell any financial instrument.

3. Intellectual Property Rights

All content on this Site—including articles, graphics, logos, and design—is the property of RatEx42 or its content providers and is protected by copyright, trademark, and other intellectual property laws.

You may:

• Share our content with attribution and a backlink

• Quote small sections for commentary (with credit)

You may not:

• Republish, reproduce, or exploit our content commercially without written permission

• Use RatEx42 ratings, trademarks, or logos in a misleading or unauthorized manner

4. User Contributions

Users may be able to:

• Submit reviews or ratings on [listings.ratex42.com]

• Comment on editorial content

• Submit tips or information via external platforms (e.g., Whistle42)

By submitting any content, you agree:

• You are solely responsible for the content you post

• You will not post illegal, defamatory, misleading, or abusive content

• RatEx42 reserves the right to remove or moderate content at its sole discretion

You grant RatEx42 a non-exclusive, royalty-free, worldwide license to use, reproduce, and publish your contributions in connection with the Site and related projects.

5. Third-Party Links and Services

This Site may link to external websites, tools, or platforms (including [listings.ratex42.com]). We are not responsible for:

• The content, policies, or security of third-party websites

• Any loss or damage arising from your use of third-party links

Please review the terms and privacy policies of third-party sites before interacting with them.

6. Disclaimer of Warranties

The Site and its content are provided “as is” and “as available” without warranties of any kind, either express or implied, including:

• Accuracy, completeness, or reliability of information

• Availability or functionality of the Site

• Non-infringement or fitness for a particular purpose

We do our best to ensure accurate and timely content, but cannot guarantee it. Use the information at your own risk.

7. Limitation of Liability

To the maximum extent permitted by law, RatEx42 and its affiliates shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from:

• Your use or inability to use the Site

• Errors or omissions in the content

• Reliance on any rating, review, or analysis provided on the Site

8. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of [Insert Country/Legal Jurisdiction – e.g., Netherlands or Austria], without regard to its conflict of laws principles.

Any disputes arising under these Terms shall be resolved in the courts of [Insert Jurisdiction].

9. Data Protection and Privacy

Use of the Site is also governed by our [Privacy Policy], which explains:

• What personal data we collect

• How we process, store, and protect your data

• Your rights under applicable data protection laws (e.g., GDPR)

10. Contact Information

For questions or concerns about these Terms, please contact:

RatEx42 – Cyber Finance Rating Agency
Email: legal@ratex42.com
Website: https://www.ratex42.com