1. **Introduction:**
These Privacy and Policy terms (“Terms” or “Terms and Conditions”) outlined herein govern your use of the nexfinance.com website, including all pages within this site (referred to collectively as the “Website”). By utilizing this Website, you expressly accept and agree to abide by all Terms and Conditions detailed here. If you have objections to any of these terms, you must refrain from using this Website.

This Website is not intended for use by minors (defined as those under 18 years of age), and minors must not use this Website.

2. **Intellectual Property Rights:**
Except for the content you own and may have included on this Website, under these Terms, Nexfinance and/or its licensors retain all rights to the intellectual property and material within this Website. A limited license is granted to users, subject to the restrictions provided in these Terms, for the purpose of viewing the material on this Website.

3. **Restrictions:**
Users are expressly restricted from engaging in the following activities:
– Selling, sublicensing, or otherwise commercializing any Website material.
– Using this Website in any way that is damaging or impacts user access.
– Using this Website contrary to applicable laws and regulations.
– Engaging in data mining, harvesting, extracting, or similar activities.

Certain areas of this Website are restricted, and Nexfinance may further restrict access in its sole discretion. User IDs and passwords must be kept confidential.

4. **Your Content:**
– In these Terms and Conditions, “Your Content” refers to any audio, video, text, images, or other material you display on this Website.
– By displaying Your Content, you grant Nexfinance a non-exclusive, worldwide, irrevocable, royalty-free, sublicensable license to use, reproduce, adapt, publish, translate, and distribute it in any and all media.
– Your Content must not infringe on any third party’s rights. Nexfinance reserves the right to remove Your Content without notice.

5. **No Warranties:**
– This Website is provided “as is,” with all faults, and Nexfinance makes no express or implied representations or warranties regarding this Website or the materials contained within.
– Nothing on this Website shall be construed as providing consult or advice to users.

6. **Limitation of Liability:**
– In no event shall Nexfinance , nor any of its officers, directors, and employees, be liable for anything arising out of or connected with your use of this Website, whether under contract, tort, or otherwise.
– Nexfinance, including its officers, directors, and employees, shall not be liable for any indirect, consequential, or special liability related to your use of this Website.

7. **Indemnification:**
– Users indemnify Nexfinance from any and all liabilities, costs, demands, causes of action, damages, and expenses arising out of or related to the breach of any provisions of these Terms.

8. **Consent to Communication:**
– Users explicitly consent to Nexfinance ’s use of their mobile phone number for providing information, messages, and notifications related to contractual relations, including marketing.

9. **Severability:**
– If any provision of these Terms is found to be unenforceable or invalid under any applicable law, such unenforceability or invalidity shall not affect the remaining provisions.

10. **Variation of Terms:**
– Nexfinance is permitted to revise these Terms at any time, and users are expected to review such terms regularly to ensure understanding of all Terms and Conditions.

11. **Assignment:**
– Nexfinance may assign, transfer, and subcontract its rights and/or obligations under these Terms without notification or consent. Users are not permitted to assign any of their rights and/or obligations under these Terms.

12. **Entire Agreement:**
– These Terms, including any legal notices and disclaimers on this Website, constitute the entire agreement between Nexfinance and users regarding the use of this Website, superseding all prior agreements.

13. **Governing Law & Jurisdiction:**
– These Terms are exclusively governed by the substantive law of the Cayman Islands. Disputes shall be referred to the competent court in the Cayman Islands. Users agree that dispute resolution shall be conducted on an individual basis, and no consolidated, representative, or class proceeding shall take place.