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Terms of Use

Last Updated - July 2022

This page (together with the documents referred to on it) provides you with the Terms of Use based on which you may access or make use of the website www.plutocard.io operated by Pluto Financial Services Inc. (“Pluto”), whether as a guest or a registered user. Please read these terms of use carefully before you start using the website. By using our website, you explicitly consent that you accept these terms of use and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using our website.

1. General

1.1 The terms "we", "us", or "our", refer to Pluto.

1.2 Pluto Financial Services Inc. is incorporated and registered under provisions of the General Corporation Law of the State of Delaware. 

1.3  These terms are applicable for Pluto or any of its group company(ies) or affiliates providing or marketing/ promoting services on Pluto’s website. 

1.4 These terms of use have no fixed duration and shall remain applicable for the visitor/user of the website unless modified by Pluto.

2. Accessing our website

2.1 We reserve the right to withdraw, suspend, amend the service we provide on our website without notice or close it indefinitely. We bear no liability for the unavailability of our website for any reason at any time or for any period.

2.2 We reserve the right to restrict access to any parts or our entire website for our registered users.

2.3 Any chosen or provided user identification codes, passwords or any other pieces of information as part of our security procedures, must be treated as confidential, and you may not disclose it to any third party. We reserve the right to disable any user identification code or password at any time if we suspect that you failed to comply with any of the provisions of these terms of use and/or for fraud and identity theft prevention purposes. If you know or suspect that anyone other than you has access to your user identification code or password, you must immediately notify us using the contact details on our main homepage. Pluto will have no liability whatsoever in case of breach of identity or sharing of credentials by the user.

2.4 When using our website, you must comply with the provisions of our acceptable use policy.

2.5 You are responsible for making all arrangements necessary for you to have access to our website. You are also responsible for ensuring that all persons who access our website through your internet connection are aware of these terms and that they comply with them.

2.6 We process information about you in accordance with our privacy policy at www.plutocard.io. By using our website, you warrant that all data provided by you is accurate.

2.7 We aim to update our website regularly and may change the content at any time. Any of the material on our website may be out of date at any given time, and we are under no obligation to update such material.

2.8 We try to meet the highest standards of accessibility, but cannot guarantee that this website will be compatible with all hardware and software that may be used by visitors to the website.

3. Transactions concluded through our website

Pluto is in the business of providing corporate spend management solution and ancillary services to companies incorporated and operating in the North America and Middle East and Africa region through its state-of-the-art infrastructure and technology. These services may vary from client to client depending upon the service options opted by the client and subject to Pluto’s acceptance to offer its services.

4. Materials in website and software rights

4.1 All copyrights, trademarks, patents, design rights, and other intellectual property rights relating to our website and the materials published on it (including, but not limited to, the underlying software, the design, graphics, layout, feel, and structure of our websites) will be and remain the sole property of us or our licensors. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

4.2 You shall retain ownership of all copyright in data you upload or submit through this website. You grant us a worldwide, perpetual, non-exclusive, royalty-free, non-terminable license to use, copy, distribute, publish and transmit such data in any manner as Pluto may deem fit.

4.3 Use, download, printing and storing of the material on this website for commercial purposes is not permitted unless a license to commercially use such materials is obtained from us and we must be cited as the author in such use. Redistributing, republishing, copying, adapting any materials or otherwise making material on this website available to third parties is prohibited. You may not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

4.4 If you print, copy or download any part of our website in breach of these terms of use, your right to use our website will cease immediately and you must return or destroy any copies of the materials you have made.

4.5 You acknowledge and agree that no content published on the website constitutes a recommendation that any particular investment, portfolio of investments, transaction, or investment strategy is suitable or advisable for you or any other specific person. You further understand that neither we nor any of the information providers, their affiliates nor any third parties will advise you personally concerning the nature, potential, advisability, value or suitability of any particular investment, portfolio of investments, transaction, investment strategy, or other matter.

5. Our liability

5.1 The content and material available on the website is for informational purposes only and is not intended to address your particular requirements. In particular, the content and material available on the website does not constitute any form of advice or recommendation by us, should not be regarded as an offer, solicitation, invitation or recommendation to buy or sell investments, securities or any other financial services and is not intended to be relied upon by you in making (or refraining from making) any specific investment or other decisions. We recommend that you seek independent advice from a financial advisor before making any such decision.

5.2 You acknowledge and agree that prices, descriptions and other financial data made available on the website is / or may have been compiled from third-party sources believed to be reliable, and, wherever possible such data is verified by us as far as is commercially viable. Notwithstanding this, you acknowledge and agree that the calculations, profiles and data available on the website are made using such third-party data, and that neither such data nor such calculations are guaranteed by these sources, by us, nor by the information providers or any other person or entity and may not be complete or accurate.

5.3 Our websites may contain links to other websites or resources, which are provided for your information only. The contents of those websites or resources are outside our control and are not covered by these terms and conditions. If you access other websites using the links provided, we accept no responsibility for the content of those websites, for the way in which they deal with you or use any information they may acquire about you or for any loss or damage that may arise from your use of them.

5.4 The material displayed on our website is provided without any representations, guarantees, conditions or warranties as to its accuracy, completeness or that the content is updated. To the extent permitted by law, we, other members of our group of companies / affiliates and third parties connected to us hereby expressly exclude:

5.4.1 all conditions, warranties and other terms, which might otherwise be implied by statute, law or the law of equity;

5.4.2 any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our website or connection with the use, inability to use, or results of the use of our website, any websites linked to it and any materials posted on it, including but not limited to:

a) loss of income or revenue; b) loss of business, loss of business opportunity or other economic loss; c) loss of profits or contracts; d) loss of anticipated savings; e) loss or corruption of data; f) loss of goodwill; g) business interruption, wasted management or office time; and in all the above cases, whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.

5.5 These terms and conditions do not exclude our liability (if any) to you for losses resulting from our gross negligence, or our liability for fraud, nor any other liability which cannot be excluded or limited under applicable law and do not affect your statutory rights.

5.6 Arrangements made between you and any third party named or referred to on the website are entirely at your sole risk and responsibility.

5.7 You acknowledge and agree that rates advertised by us on the web are indicative only and are subject to economic, business factors and other factors outside of our control and we do not guarantee that the rates advertised will be available to you at any point in time.

5.8 Nothing included in the website constitutes an offer or solicitation to sell, or distribution, investments and related services to anyone in the USA or any other jurisdiction.

5.9 References that may be made on our website to prior investments or data we have published may be selective or maybe partial. Such previously published information and data may not be current and should not be relied upon.

5.10 We do not warrant or represent that the content of the Website does not infringe the rights of any third party.

5.11 In any case, our total liability to you in connection with these Terms, and any other terms you may subscribe to in connection with your use shall not exceed USD 1,000 (One Thousand Only). 

5.12 All exclusion and limitations of liability set out in these Terms shall apply to the fullest extent permissible under the applicable law.

6. Your liability

6.1 You shall compensate us in full if we incur any losses or if any claims or legal proceedings are brought or threatened against us by any other person arising from your use of our website, as well as any information uploaded by you on our website.

6.2 You agree to indemnify and hold us harmless from any liability, loss, claim, and expense (including reasonable legal fees) related to any breach by you of these terms and conditions or arising from your use of our website, including any information uploaded by you on our website.

6.3 You acknowledge and agree that we, one of our affiliated companies, officers, employees or some other person connected with us may have an interest, relationship or arrangement that is material to an investment or transaction you enter into via the website and which could give rise to a conflict of interest. You agree that we shall not be required to disclose such conflict of interest to you and that there will be no obligation for us to account to you for any such interest, relationship or arrangement, unless required by the applicable law. The services provided via the Website are unbiased and provided independently and with no regard to any such interest, relationship or arrangement.

6.4 To enjoy the provided services on the website, you must be a minimum of 21 years old (measured according to the Gregorian calendar) and have full legal capacity. You warrant, represent and undertake that you possess the legal right and experience, knowledge and ability to apply for the services in accordance with these terms.

6.5 To access our services and certain restricted parts of the website you are required to register for the provided services. 

6.6 To for the services you will be required to follow a sign-up process. Firstly, you will be required to submit some basic details about yourself (including your name and email address) and shall be prompted to choose a unique user name and password, and may be asked to provide answers to certain security questions. These are the methods used by us to identify you and so you must keep them secure at all times.

6.7 You will be required to submit detailed KYC and KYB information in line with the regulations stipulated from time to time. We will also require you to provide proof of identity and current address (for you or your business), to comply with our anti-money laundering requirements. Applications will be subject to an approval process and may be accepted or rejected at our sole discretion.

6.8 You warrant, represent and undertake that the information you provide about yourself during the registration process is accurate, current and complete.

7. Uploading material to our website

7.1 Whenever you make use of a feature that allows you to upload material to our website, or to make contact with other users of our website, you must comply with the content standards set out in our acceptable use policy. You warrant that any such contribution does comply with those standards, and you indemnify us for any breach of that warranty.

7.2 We will not be responsible, or liable to any third party, for the content or accuracy of any materials posted by you or any other user of our website. Such information does not represent our views and values.

7.3 We have the right to remove any material or posting you make on our website if, in our opinion, such material does not comply with the content standards set out in our acceptable use policy.

7.4 If you upload any material on our website that is in breach of any intellectual property or privacy rights, we have the right to disclose your identity to the third party claiming such breach.

8. Viruses, hacking, and other offences

8.1 You must not misuse our website by introducing viruses, Trojans, worms, logic bombs or other material, which is malicious or technologically harmful. You must not attempt to gain unauthorized access to our website, the server on which our website is stored or any server, computer or database connected to our website in any manner whatsoever.

8.2 By breaching this provision, you would commit a criminal offence under the Federal Law on Combating Cybercrimes. 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 website will cease immediately.

8.3 We will not be liable for any loss or damage caused by viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our website or to your downloading of any material posted on it, or on any website linked to it.

9. Linking your bank account

9.1 When you create a user account, you will have the ability to link your bank account. (note that this service is limited to bank accounts provided by certain banks).

9.2 When you consent to link your bank account, we will receive details of all transactions that have taken place on that account upto last 5 years. We will have ongoing access to this data following your request to your bank to link the bank account. During this time, you will be able to revoke our access at any time by logging into your account. Please note that even after our access has expired (or revoked) we will keep records of the transaction data in accordance with our Privacy Policy.

9.3 To link your bank account, you will be directed to a secure webpage hosted by your bank (if this exists), at which point you will be prompted to enter your online banking credentials. It is your responsibility to ensure that your online banking credentials are kept safe and confidential and you should contact your bank directly if you believe that they have been compromised or disclosed in any way.

9.4 Any information or notifications concerning our service or bank related information (including fraud or security threats) will be communicated to you at the email address which you use to log in to your account.

9.5 The terms of our service are in English and any communications with you concerning them will be in English.

9.6 You have the right to request a copy of the terms of our service any time.

10. Jurisdiction and applicable law

The laws of the State of Delaware shall govern all our agreements and covenants. The information collected at this site will remain confidential as required by State and Federal law.

11. Complaints

In case of any complaints, you may write to us at support@plutocard.io.

12. Variations

Without prejudice to the provisions of clause 9.6 above, we reserve the right to change these terms and conditions from time to time, and the amended terms will be posted on this website. You are expected to check this page from time to time to take notice of any changes we make, as they are binding to you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our website.

12. Variations

Without prejudice to the provisions of clause 9.6 above, we reserve the right to change these terms and conditions from time to time, and the amended terms will be posted on this website. You are expected to check this page from time to time to take notice of any changes we make, as they are binding to you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our website.

13. General

We may perform any of our obligations, and any of the rights granted to us under these Terms, through a third party. We may nominate and / or assign any or all our rights and obligations under these Terms to any third party.

If any clause or part of any clause of these Terms is found to be void, unenforceable or invalid, then it will be severed from these Terms, leaving the remainder in full force and effect, provided that the severance has not altered the basic nature of these Terms.

No single or partial exercise or failure or delay in exercising any right, power or remedy by us shall constitute a waiver by us of, or impair or preclude any further exercise of, that or any right, power or remedy arising under these terms and conditions or otherwise.

All disclaimers, indemnities and exclusions in these Terms shall survive termination of the Terms, and shall continue to apply during any suspension or any period during which the website is not available for you to use for any reason whatsoever.

These Terms and the documents referred to in them set out the entire agreement between you and us with respect to your use of the website and the services provided via the website and supersede all prior or contemporaneous representations, communications or agreements (written or oral) made between you or us.

If you have any concerns about material which appears on our website, please contact us at support@plutocard.io.

Thank you for visiting our website.