TERMS AND CONDITIONS OF USE

Last updated: 16 June 2026

IDENTIFICATION AND SUPPORT

These Terms and Conditions of Use (“Terms”) apply to FintechMarker.com and to the digital environment operated by NARRATIVA MEDIA LAB Ltd, including content, newsletters, advertising integrations, technical services and related digital features made available through the website.

These Terms have been structured using the global governance framework developed by TiMo Mídia and adapted for FintechMarker.com, its publisher structure and its primary audience.

Publisher and Website Operator

FintechMarker.com is operated by:

NARRATIVA MEDIA LAB Ltd
Nikou Dimitriou 3
Kyriakeio Megaro, Flat/Office 202
6031 Larnaca
Cyprus

Registration Number: HE 481893

Contact: info@fintechmarker.com

NARRATIVA MEDIA LAB Ltd is responsible for the operation of FintechMarker.com, including editorial content, publishing decisions, domain management, website administration, publisher communications and non-AdTech website functions.

AdTech and Monetization Partner

Certain advertising technologies, monetization systems, consent-management integrations, advertising infrastructure, fraud-prevention systems and related technical services may involve:

TiMo Midia Ltda.
Trade Name: TiMo Mídia
CNPJ: 62.179.475/0001-44

Rua Ana de Carvalho Silveira, nº 287
Bairro Silveira
Belo Horizonte/MG
Brazil
CEP 31.140-440

Compliance Contact: compliance@timomidia.com

Depending on the activity involved, TiMo Mídia may act as a controller, processor, independent controller, joint controller or technical monetization partner.

1. ACCEPTANCE OF THESE TERMS

By accessing, browsing, interacting with or otherwise using FintechMarker.com, users acknowledge that they have read and understood these Terms and agree to be bound by them to the extent permitted by applicable law.

If a user does not agree with these Terms, the user should discontinue use of the website and related services.

Nothing in these Terms is intended to limit rights that cannot legally be waived under applicable law.

2. INTERNATIONAL SCOPE

These Terms have been designed for international use while recognizing that FintechMarker.com primarily serves readers interested in India’s fintech, banking, payments, digital public infrastructure and digital economy sectors.

Where mandatory local consumer, privacy, electronic communications or digital-rights laws apply, those laws shall prevail to the extent required.

Where a local legal requirement conflicts with a provision of these Terms, the mandatory legal requirement shall take precedence.

3. NATURE OF THE OPERATION

FintechMarker.com operates as an editorial publication and digital media platform.

The website may publish:

• news articles;
• analysis;
• educational content;
• research-based content;
• company profiles;
• interviews;
• sponsored content;
• affiliate content;
• newsletters;
• commentary;
• industry reports.

The website may also use advertising technologies, analytics systems, audience measurement tools, fraud-prevention technologies, consent-management systems and monetization infrastructure.

TiMo Mídia may provide certain advertising, monetization and technical infrastructure services used within the operation of FintechMarker.com.

Nothing on FintechMarker.com should be interpreted as regulated financial advice, investment advice, legal advice, tax advice or professional consulting services.

4. OPERATORS, PUBLISHERS AND RESPONSIBILITY FOR DIGITAL ENVIRONMENTS

When a digital environment is operated, managed, optimized, monetized, integrated or technically supported by TiMo Mídia, TiMo Mídia’s role may be limited to the advertising technology layer, monetization infrastructure, fraud-prevention systems, audience measurement systems, consent-management integrations, newsletter technologies, traffic-quality systems, technical security functions and related technical support.

Unless expressly stated otherwise through contract, operational configuration or public disclosure, TiMo Mídia does not assume full responsibility for:

• domain ownership;
• website hosting;
• editorial content;
• publisher communications;
• legal notices;
• publisher-controlled forms;
• products or services offered by the publisher;
• business decisions;
• commercial representations;
• local consumer relationships;
• general website operations.

NARRATIVA MEDIA LAB Ltd remains responsible for FintechMarker.com as publisher and website operator.

Each party remains responsible for the legal, contractual, regulatory and operational obligations associated with the activities it directly controls.

The presence of advertising technologies, monetization systems, technical integrations or support services provided by TiMo Mídia does not, by itself, transfer editorial, corporate, contractual, consumer, tax, employment or operational responsibility from the publisher to TiMo Mídia.

Where appropriate, responsibilities may be governed through separate agreements relating to:

• advertising services;
• data processing;
• consent management;
• security requirements;
• fraud prevention;
• technical integrations;
• compliance obligations.

5. THIRD-PARTY ADVERTISING

FintechMarker.com may display advertisements, sponsored content, affiliate content or promotional materials supplied by third parties.

To the extent permitted by applicable law, neither FintechMarker.com, NARRATIVA MEDIA LAB Ltd nor TiMo Mídia is responsible for:

• products advertised by third parties;
• services advertised by third parties;
• representations made by advertisers;
• privacy practices of advertisers;
• business conduct of advertisers.

Reasonable efforts may be undertaken to review and remove advertising that is clearly fraudulent, malicious or materially misleading when such issues are identified.

Users may report concerns to:

compliance@timomidia.com

or

info@fintechmarker.com

6. ELIGIBILITY AND MINORS

FintechMarker.com is intended for a general audience.

The website is not specifically directed toward children.

Users should be at least the age required by applicable law to provide valid consent for the services they use.

Where local law requires parental involvement, supervision or consent, responsibility for such supervision rests with the parent or legal guardian.

7. PRIVACY AND COOKIES

The collection and processing of personal data, consent preferences, cookie settings, advertising-related technologies, newsletters and communications are governed by the FintechMarker.com Privacy Policy.

The Privacy Policy forms an integral part of these Terms.

Where available, users may manage privacy preferences through:

• cookie settings;
• consent-management tools;
• newsletter preference controls;
• available browser settings.

8. PERMITTED USE

FintechMarker.com grants users a limited, revocable, non-exclusive and non-transferable right to access and view content solely for lawful personal use.

Users may:

• read content;
• access publicly available information;
• subscribe to newsletters where available;
• share links to published content;
• interact with available website features in accordance with these Terms.

No ownership rights are transferred through use of the website.

9. PROHIBITED CONDUCT

Users agree not to use FintechMarker.com in any unlawful, abusive, harmful, fraudulent or technically disruptive manner.

Users must not:

• violate privacy, consumer, intellectual property, cybersecurity, advertising or anti-spam laws;
• interfere with the normal operation of the website;
• attempt to access systems, servers, accounts or data without authorization;
• use bots, scrapers, crawlers or automated tools in an abusive or unauthorized manner;
• scrape, copy, extract or harvest content, images, data, code or infrastructure without authorization;
• use website content, data or structure for training, calibration or development of artificial intelligence systems, large language models or machine-learning systems without prior written authorization;
• generate artificial clicks, impressions, views or traffic;
• engage in click fraud, ad fraud, click farms or other invalid traffic schemes;
• manipulate advertising visibility, ad placement or ad measurement;
• engage in ad stacking, pixel stuffing, domain spoofing or similar practices;
• induce, mislead or force users to click on advertisements;
• distribute malware, malicious scripts or harmful code;
• perform code injection, XSS, SQL injection, reverse engineering or denial-of-service attacks;
• submit false, misleading, defamatory, unlawful, infringing or harmful content;
• misuse newsletter forms, contact forms or subscription tools;
• impersonate another person or entity;
• use the website in a way that harms users, advertisers, publishers, service providers, TiMo Mídia or NARRATIVA MEDIA LAB Ltd.

10. INVALID TRAFFIC AND ADVERTISING FRAUD

FintechMarker.com may use technical systems and third-party tools to detect, audit, prevent and mitigate invalid traffic, advertising fraud, bot activity, automated abuse and suspicious traffic patterns.

Such measures may involve:

• IP-based controls;
• device-level signals;
• browser and network signals;
• click pattern analysis;
• impression monitoring;
• ad interaction monitoring;
• bot detection;
• fraud scoring;
• traffic-quality analysis;
• platform reporting;
• temporary or permanent access restrictions.

Where reasonable indicators of abusive, automated or fraudulent activity are detected, FintechMarker.com, TiMo Mídia or their technical partners may restrict, suspend, limit or block access to certain functions, networks, IP ranges, devices or traffic sources, to the extent permitted by applicable law.

Evidence of severe abuse, fraud or technical attacks may be shared with advertising platforms, infrastructure providers, security providers or competent authorities where legally permitted or required.

11. RULES FOR NEWSLETTERS AND EMAIL COMMUNICATIONS

Where FintechMarker.com offers newsletters, editorial updates, research updates, marketing communications or other electronic communications, users must provide accurate and authorized contact information.

Users must not:

• submit email addresses that do not belong to them;
• submit another person’s email address without authorization;
• use fake or disposable email addresses for abusive purposes;
• automate mass subscriptions;
• inject malicious code into subscription forms;
• use forms to trigger spam filters, abuse detection systems or third-party complaints;
• interfere with email delivery systems.

Unsubscribe requests will be respected where newsletters or similar communications are offered.

Email addresses may be retained in suppression lists where reasonably necessary to prevent further unwanted communications, demonstrate compliance with unsubscribe requests and protect the integrity of email systems.

Complaints relating to FintechMarker.com communications may be sent to:

info@fintechmarker.com

Complaints specifically relating to TiMo Mídia technologies may be sent to:

compliance@timomidia.com

12. USER SUBMISSIONS AND USER CONTENT

If users submit comments, messages, feedback, files, documents or other content through FintechMarker.com, they remain responsible for the legality and accuracy of the content they submit.

Users must not submit content that is:

• unlawful;
• defamatory;
• misleading;
• fraudulent;
• infringing;
• discriminatory;
• abusive;
• threatening;
• malicious;
• privacy-invasive;
• technically harmful;
• spam-related;
• otherwise inappropriate.

By submitting content, users grant NARRATIVA MEDIA LAB Ltd a non-exclusive, worldwide, royalty-free right to use, store, display, reproduce, process and communicate such content to the extent necessary to operate the website, respond to the submission, provide the requested service, document the communication or comply with legal obligations.

FintechMarker.com may remove, restrict or decline to publish user-submitted content at its reasonable discretion, particularly where content violates these Terms or applicable law.

13. INTELLECTUAL PROPERTY

All content, design elements, layouts, graphics, logos, text, databases, scripts, code, images, editorial materials, article structure and other materials available on FintechMarker.com are protected by intellectual property rights.

Rights may belong to:

• NARRATIVA MEDIA LAB Ltd;
• TiMo Mídia;
• authors;
• licensors;
• publishers;
• partners;
• third-party content providers;
• other rights holders.

Unless expressly permitted, users may not:

• reproduce content;
• republish content;
• modify content;
• distribute content;
• commercially exploit content;
• scrape or systematically extract content;
• reverse engineer code or infrastructure;
• create derivative works;
• remove copyright notices;
• use content in datasets;
• use content for machine learning or AI training;
• use content in competing services without authorization.

Normal personal reading and sharing of links to public pages is permitted.

Any use beyond ordinary personal access requires prior written authorization from the relevant rights holder.

14. AI TRAINING, SCRAPING AND DATA EXTRACTION RESTRICTIONS

Without prior express written authorization, users and third parties must not use FintechMarker.com content, structure, databases, metadata, images, scripts or other materials for:

• artificial intelligence training;
• machine-learning model training;
• large language model training;
• dataset creation;
• text and data mining beyond what is mandatory under applicable law;
• automated content extraction;
• commercial scraping;
• search-result replication;
• synthetic content generation based on extracted materials;
• automated summarization at scale for commercial products;
• competing databases or editorial services.

These restrictions apply to both manual and automated extraction where the purpose exceeds ordinary personal reading, legitimate citation or legally protected uses.

Nothing in this section is intended to restrict rights that cannot be limited under mandatory applicable law.

15. THIRD-PARTY LINKS, PLATFORMS AND SERVICES

FintechMarker.com may contain links, integrations, advertisements, scripts or references to third-party websites, platforms, apps, products or services.

These may include:

• advertisers;
• payment companies;
• fintech companies;
• banks;
• regulated financial institutions;
• technology providers;
• social media platforms;
• analytics providers;
• advertising partners;
• affiliate partners;
• embedded content providers.

FintechMarker.com does not control all aspects of third-party environments.

Third-party services are subject to their own terms, privacy policies, security practices and business rules.

Users should review applicable third-party terms and policies before using third-party services or providing information to them.

16. SERVICE AVAILABILITY

FintechMarker.com is provided according to its current technical availability.

The website may be unavailable, interrupted, delayed, modified or limited due to:

• maintenance;
• updates;
• security patches;
• hosting issues;
• cloud-service failures;
• CDN disruptions;
• connectivity problems;
• third-party service failures;
• cyberattacks;
• technical errors;
• legal or compliance requirements.

NARRATIVA MEDIA LAB Ltd and TiMo Mídia do not guarantee continuous, uninterrupted, error-free or permanently available operation of the website or related technical systems.

17. TECHNICAL SECURITY MEASURES AND ACCESS RESTRICTIONS

FintechMarker.com, NARRATIVA MEDIA LAB Ltd, TiMo Mídia and technical service providers may apply reasonable security measures to protect the website, users, advertisers, advertising infrastructure and technical systems.

Such measures may include:

• monitoring;
• logging;
• rate limiting;
• bot detection;
• fraud prevention;
• blocking suspicious traffic;
• restricting abusive IP addresses;
• disabling certain interactions;
• suspending access to affected functions;
• reporting abuse to platforms or providers;
• cooperating with competent authorities where required.

Where urgent technical or legal reasons exist, restrictions may be applied without prior notice to the extent permitted by law.

18. FINANCIAL CONTENT DISCLAIMER

FintechMarker.com publishes content about fintech, banking, payments, digital public infrastructure, financial technology, digital identity, lending, insurance, regulation, digital economy and related topics.

All content is provided for informational, educational and journalistic purposes only.

Nothing on FintechMarker.com constitutes:

• investment advice;
• financial advice;
• legal advice;
• tax advice;
• accounting advice;
• banking advice;
• insurance advice;
• lending advice;
• payment services advice;
• regulatory advice;
• professional consulting services;
• a recommendation to buy, sell, hold, invest in, use or rely on any financial product, service, company or technology.

Users should seek independent professional advice before making financial, investment, legal, tax, business or regulatory decisions.

FintechMarker.com does not guarantee the accuracy, completeness, availability or suitability of information for any particular user, transaction, investment, business decision or regulatory purpose.

19. DISCLAIMER OF WARRANTIES

FintechMarker.com is provided on an “as is” and “as available” basis.

To the fullest extent permitted by applicable law, NARRATIVA MEDIA LAB Ltd, FintechMarker.com, TiMo Mídia, their officers, employees, contractors, licensors and partners make no warranties regarding:

• uninterrupted availability of the website;
• absence of errors, delays or technical failures;
• accuracy, completeness or timeliness of content;
• suitability of content for a particular purpose;
• availability or performance of third-party services;
• outcomes based on the use of information published on the website;
• decisions made by advertising platforms, search engines or other external systems.

Nothing in these Terms excludes warranties, rights or protections that cannot legally be excluded under applicable law.

20. LIMITATION OF LIABILITY

To the fullest extent permitted by applicable law, NARRATIVA MEDIA LAB Ltd, FintechMarker.com, TiMo Mídia, their officers, employees, contractors, licensors and partners shall not be liable for damages arising from:

• use of or inability to use the website;
• reliance on website content;
• errors, omissions or outdated information;
• third-party links, advertisements or external services;
• technical failures, downtime or service interruptions;
• loss of data;
• malware, cyberattacks or unauthorized access caused by third parties;
• decisions made by users based on published information;
• advertising platform decisions;
• external financial, business, investment or regulatory decisions.

This limitation does not apply to liability that cannot be excluded or limited under mandatory applicable law, including liability for intentional misconduct, gross negligence, death, personal injury or other non-excludable legal responsibilities.

21. INDEMNIFICATION

To the extent permitted by applicable law, users agree to indemnify and hold harmless NARRATIVA MEDIA LAB Ltd, FintechMarker.com, TiMo Mídia, their officers, employees, contractors, licensors and partners from claims, losses, damages, liabilities, costs and expenses arising from:

• unlawful use of the website;
• violation of these Terms;
• infringement of intellectual property rights;
• unauthorized scraping, data extraction or AI training;
• advertising fraud or invalid traffic;
• technical attacks;
• misuse of contact forms or newsletter tools;
• submission of unlawful or infringing content;
• violation of third-party rights;
• violation of applicable laws.

This obligation applies only to the extent the relevant claim is attributable to the user’s conduct and permitted by applicable law.

22. AFFILIATE LINKS, SPONSORED CONTENT AND COMMERCIAL DISCLOSURES

FintechMarker.com may contain affiliate links, sponsored content, commercial references, partner mentions or advertising placements.

Where required by law or editorial policy, such content may be identified through labels, disclosures or contextual indications.

Affiliate links may generate commissions or other commercial benefits for the website operator if users click on links or complete certain actions.

Such commissions do not normally create additional costs for users.

Commercial relationships do not automatically affect editorial independence. However, users should understand that some content may be supported by advertising, sponsorships, affiliate arrangements or monetization relationships.

23. ACCESSIBILITY

FintechMarker.com seeks to provide a usable and accessible digital experience where reasonably possible.

Users may report accessibility barriers or technical usability issues by contacting:

info@fintechmarker.com

Where an accessibility issue relates specifically to TiMo Mídia technologies, advertising integrations or monetization infrastructure, users may also contact:

compliance@timomidia.com

24. CHANGES TO THESE TERMS

These Terms may be updated from time to time to reflect:

• legal changes;
• regulatory developments;
• operational changes;
• technical changes;
• changes in advertising technologies;
• changes in monetization systems;
• changes in editorial or business practices.

The current version will be identified by the “Last updated” date at the top of this document.

Where appropriate, material changes may be communicated through website notices, banners or other reasonable mechanisms.

Continued use of FintechMarker.com after changes are published may indicate acceptance of the updated Terms to the extent permitted by applicable law.

25. GOVERNING LAW

These Terms are governed by the laws of the Republic of Cyprus, unless mandatory local law provides otherwise.

Nothing in this section limits rights, protections, remedies or jurisdictional rules that cannot be excluded under mandatory consumer, privacy, electronic communications, digital services or other applicable laws.

Where users are protected by mandatory local rules, those rules remain unaffected.

26. DISPUTES AND COMPETENT AUTHORITIES

Users may contact FintechMarker.com first regarding concerns, complaints or disputes:

info@fintechmarker.com

Privacy-related matters should be directed to:

privacy@fintechmarker.com

AdTech, monetization, advertising infrastructure, invalid traffic or TiMo Mídia-related technical matters may be directed to:

compliance@timomidia.com

These Terms do not prevent users from contacting competent courts, consumer authorities, privacy authorities, regulators or other competent bodies where such rights exist under applicable law.

27. SEVERABILITY

If any provision of these Terms is found to be invalid, unlawful or unenforceable, the remaining provisions shall remain in effect to the fullest extent permitted by applicable law.

The invalid or unenforceable provision shall be replaced, where possible, by a valid provision that most closely reflects the original purpose.

28. NO WAIVER

Failure to enforce any provision of these Terms does not constitute a waiver of that provision or any related right.

Any waiver must be made expressly and in writing where legally required.

29. ENTIRE AGREEMENT

These Terms, together with the Privacy Policy, Cookie Policy and any applicable legal notices or disclosures, form the legal framework governing the use of FintechMarker.com.

Where a specific agreement exists between NARRATIVA MEDIA LAB Ltd, TiMo Mídia, advertisers, publishers, contractors or business partners, that agreement may govern the relevant commercial or technical relationship separately.

30. LANGUAGE AND INTERPRETATION

These Terms are provided in English.

If these Terms are translated into another language, the English version shall prevail unless mandatory local law requires otherwise.

Headings are provided for convenience and do not limit the interpretation of the provisions.

31. INDIA ADDENDUM – PRIMARY MARKET

This Addendum applies where Indian law, including applicable consumer, privacy, digital communications or electronic service requirements, applies.

FintechMarker.com is primarily focused on readers interested in India’s fintech, payments, banking, digital public infrastructure, digital identity, digital economy and financial technology sectors.

Where Indian law applies:

• these Terms will be interpreted in accordance with mandatory Indian consumer and digital rights requirements;
• user rights that cannot be waived under applicable law remain unaffected;
• privacy grievances may be addressed as described in the Privacy Policy;
• advertising, email communication and consent-related practices will be handled in accordance with applicable legal and platform requirements;
• content remains informational and does not constitute regulated financial advice, investment advice, legal advice, tax advice or professional services.

Users in India may contact:

info@fintechmarker.com

For privacy matters:

privacy@fintechmarker.com

For TiMo Mídia-related AdTech, monetization or invalid traffic matters:

compliance@timomidia.com

32. OTHER REGIONS AND PLATFORM REQUIREMENTS

FintechMarker.com is primarily intended for readers interested in India’s fintech, payments, banking, digital public infrastructure and digital economy sectors.

Although the website may be accessible internationally, it is not specifically directed toward every jurisdiction where English is spoken.

Where users access FintechMarker.com from other regions, mandatory local laws may provide additional rights or protections.

Certain technologies used on the website, including advertising systems, analytics technologies, consent management tools and monetization infrastructure, may be subject to requirements imposed by technology providers, advertising partners and platform operators.

Where required by applicable law or platform policies:

• users may be asked to provide consent before non-essential cookies are activated;
• users may be asked to provide consent before analytics technologies are activated;
• users may be asked to provide consent before advertising identifiers are used;
• users may be asked to provide consent before personalized advertising technologies are activated.

Where local law grants users additional mandatory rights, FintechMarker.com seeks to respect those rights to the extent required by applicable law.

33. CONTACT

For general questions regarding these Terms, editorial content, website operation, affiliate disclosures or business matters:

NARRATIVA MEDIA LAB Ltd
info@fintechmarker.com

For privacy matters:

privacy@fintechmarker.com

For questions relating specifically to advertising technology, monetization systems, consent signals, invalid traffic prevention, traffic quality controls or technical infrastructure supported by TiMo Mídia:

TiMo Midia Ltda.
compliance@timomidia.com

TiMo Midia Ltda. – Media Technology and Monetization
NARRATIVA MEDIA LAB Ltd – Publisher and Website Operator