Terms of Use

Last Updated: January 2024

These Terms of Use ("Terms") govern your access to and use of the Sky-jay website and services. By accessing or using our website, you agree to be bound by these Terms. If you do not agree, please do not use our services.

1. Acceptance of Terms

By accessing this website, you confirm that you are at least 18 years of age and have the legal capacity to enter into binding agreements. If accessing on behalf of an organisation, you represent that you have authority to bind that organisation to these Terms.

2. Description of Services

Sky-jay provides card protection and fraud prevention services, including transaction monitoring, identity protection, security assessments, and related consulting services. Specific service terms are detailed in individual service agreements.

3. Use of Website

You agree to use this website only for lawful purposes and in accordance with these Terms. You shall not:

• Use the website in any way that violates applicable laws or regulations
• Attempt to gain unauthorised access to any part of the website or related systems
• Transmit any harmful code, viruses, or malicious software
• Collect or harvest personal information of other users
• Interfere with the proper functioning of the website
• Use automated systems to access the website without permission

4. Account Registration

Some services require account registration. When creating an account, you must:

• Provide accurate and complete information
• Maintain the confidentiality of your login credentials
• Notify us immediately of any unauthorised account access
• Accept responsibility for all activities under your account

5. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Sky-jay or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.

6. User Submissions

Any information, feedback, or materials you submit through our website become our property. You grant us a non-exclusive, royalty-free, perpetual licence to use, reproduce, and modify such submissions for any purpose related to our business operations.

7. Service Limitations

Our services are designed to reduce fraud risk but cannot guarantee complete protection against all threats. The effectiveness of protection measures depends on various factors, including threat sophistication and user compliance with security recommendations.

We do not guarantee that:

• Our services will prevent all fraudulent transactions
• The website will be available without interruption
• Information on the website is always current or error-free

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or availability of these external sites. Linking does not imply endorsement.

9. Disclaimer of Warranties

THE WEBSITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SKY-JAY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, REGARDLESS OF THE CAUSE OF ACTION OR WHETHER WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Our total liability for any claim arising from your use of the website or services shall not exceed the amount you paid us for services in the twelve months preceding the claim.

11. Indemnification

You agree to indemnify and hold harmless Sky-jay, its directors, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from your use of the website, violation of these Terms, or infringement of any third-party rights.

12. Termination

We reserve the right to suspend or terminate your access to the website and services at our discretion, without notice, for conduct that we believe violates these Terms or is harmful to our interests or other users.

13. Changes to Terms

We may modify these Terms at any time by posting revised terms on the website. Your continued use following changes constitutes acceptance of the modified Terms. We encourage you to review these Terms periodically.

14. Governing Law

These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these Terms or your use of our services shall be subject to the exclusive jurisdiction of the courts of England and Wales.

15. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy and any service-specific agreements, constitute the entire agreement between you and Sky-jay regarding your use of the website and services.

17. Contact

For questions about these Terms, contact:

Sky-jay
42 Finsbury Square
London, EC2A 1PX
United Kingdom
Email: [email protected]