Broker Landscape

Introduction

By accessing, reading or using our website, you agree to comply with our Terms of Use, which outline the legal terms and conditions governing your use of our website.

The purpose of this page is to inform you of the terms and conditions that govern your use of our website. These terms apply to all visitors, users, and others who access or use our website. By accessing or using our website, you acknowledge that you have read, understood, and agreed to be bound by these terms and conditions. If you do not agree to be bound by these terms, please do not use our website.

We reserve the right to modify these terms at any time without prior notice. It is your responsibility to check these terms periodically for changes. Your continued use of our website after we post any modifications to these terms constitutes your acceptance of the modified terms.

Acceptance of terms

By accessing and using this website, you agree to be bound by the Terms of Use described on this page.

By accessing and using this website, you also agree to our Privacy policy.

If you do not agree to Terms of Use or Privacy Policy, you should not access or use the site.

Your access to and use of the site is also subject to all applicable laws and regulations. If you violate any of these Terms of Use, your authorization to use this site automatically terminates, and you must immediately cease using the site.

We reserve the right to modify or amend these Terms of Use at any time and for any reason. Your continued use of the site after any such changes signifies your acceptance of the new Terms of Use. Therefore, you should review these Terms of Use regularly to ensure that you are aware of any changes.

User Conduct and Obligations

User Responsibilities

The following are the responsibilities of the users of this website:

  1. Accuracy of Information: The user must ensure that all the information provided on this website is accurate, complete, and up-to-date.
  2. Prohibited Activities: Users of this website must not engage in any activities that are illegal, defamatory, harassing, or violate the rights of others.
  3. Security: Users must ensure that their account information is secure and not shared with any unauthorized third-party.
  4. Content: Users must not upload any content that is infringing, vulgar, or offensive.
  5. Compliance with Laws: Users must comply with all applicable laws and regulations when using this website.
  6. Feedback: Users are encouraged to provide feedback on the website, but the feedback must not infringe any third-party rights or be illegal.
  7. Liability: Users are responsible for any activity on their account, and they agree to indemnify the website owners against any liability arising out of their use of the website.

By using this website, the user agrees to comply with the above responsibilities. We reserve the right to terminate any account that violates these responsibilities.

Guidelines for appropriate behavior on the website

We encourage open and honest discussion on our website, but we also require you to follow our guidelines for appropriate behavior. By using our website, you agree to the following:

  1. Respect others: Do not engage in any behavior that is discriminatory, harassing, or threatening towards other users. This includes any language or behavior that is racist, sexist, homophobic, or otherwise offensive.
  2. Do not post any false information: All information posted on our website should be accurate and truthful. Do not post any information that is knowingly false or misleading.
  3. Do not post inappropriate content: Do not post any content that is pornographic, violent, or otherwise inappropriate for our website. This includes any content that is illegal or infringes on the rights of others.
  4. Do not engage in spamming or advertising: Do not post any content that is designed to promote a product, service, or website. This includes any content that is spam, unsolicited advertising, or pyramid schemes.
  5. Do not engage in any illegal activity: Do not use our website to engage in any illegal activity. This includes any activity that is against the law, such as fraud, hacking, or other illegal activities.

If you violate any of these guidelines, we reserve the right to remove your content and/or terminate your account. We may also take legal action if necessary.

Linking to our site

We encourage you to link to any of our web pages, providing you do so responsibly. This means that:

  1. If we ask you to remove or change a link to our websites, you do so as soon as possible.
  2. You do not create the impression that there is any association, approval or endorsement with or by us.
  3. You must ensure any links are used in a fair and reasonable manner and that their use will not damage our reputation or take unfair advantage of it (commercially or otherwise).
  4. Unless you obtain our express permission, you must not include more than 10 links to our websites on any one of your web pages.
  5. The website you are linking from must not contain offensive, obscene or defamatory material, and must not infringe anyone’s copyright, trademarks or other similar rights.
  6. If anyone clicks on the link you provide to our websites, it must open our website in a new page and not within a frame or iframe on your website.
  7. You should not load our site into other websites using a frame or iframe.

Prohibited actions

The following actions are strictly prohibited on our website:

  1. Doing anything to damage or disrupt our websites or pages
  2. Using our website or pages in a way that may cause a nuisance to others.
  3. Impersonating another person or entity
  4. Posting or sharing any content that is illegal, harmful, defamatory, or offensive
  5. Uploading or transmitting viruses, malware, or any other harmful code
  6. Harassing or threatening other users
  7. Using the website for any fraudulent or illegal activity
  8. Attempting to access or use another user’s account without their permission
  9. Modifying, adapting, or hacking the website or any part of it
  10. Violating any intellectual property rights, including copyright and trademarks
  11. Collecting or harvesting any personal information from other users without their consent
  12. Engaging in any activity that interferes with or disrupts the website’s operation or the experience of other users

We reserve the right to investigate and take appropriate legal action against any users who violate these prohibitions. Such actions may include but are not limited to suspending or terminating user accounts, removing content, and reporting illegal activity to the appropriate authorities.

If you don’t comply with our website terms?

What happens if you don’t comply with our website terms? You agree to compensate us for any loss that we suffer as a result of your failure to comply with either our general terms or any of our other website terms & conditions.

If anyone complains about your use of our websites or the content you add to our websites, you agree that we can control the handling of any such dispute and that you will fully support and co-operate with this.

Bulgarian law shall apply to all our terms and conditions and any disputes must be heard in a Bulgarian Court.

Intellectual Property

Ownership of website content

All content on this website, including but not limited to text, images, videos, and logos, is owned by us or our licensors and is protected by international copyright laws. Users may not copy, reproduce, distribute, or create derivative works from any content on the website without obtaining prior written consent from us.

By submitting content to us, users grant a non-exclusive, royalty-free, perpetual, and irrevocable right to use, reproduce, modify, adapt, publish, translate, distribute, and display such content worldwide, in whole or in part, in any form, media, or technology now known or later developed, for any purpose.

Users agree not to upload or transmit any content that infringes on the intellectual property rights of others, including but not limited to copyrights, trademarks, and trade secrets. Users also agree not to use any content from the website for commercial purposes without obtaining prior written consent from us.

Use of website content

All of the content present on our website, including but not limited to text, graphics, logos, images, videos, and software, is owned by us or our licensors and is protected by applicable copyright, trademark, and other intellectual property laws. You may not use or reproduce any content from our website without obtaining prior written permission from us.

You may not copy, distribute, transmit, display, perform, reproduce, publish, license, modify, create derivative works from, transfer, or sell any content, software, products, or services obtained from our website without our prior written permission.

Additionally, you cannot use our webpages to create, update or amend your own or someone else’s databases.

Any unauthorized use of our website or extracts of its content is strictly prohibited and may result in legal action.

Automated data collection

You may not use any automated system or software to extract data from our website.

You must not use any automated means to monitor, crawl, download or copy our pages, their content or extracts of their content.

You must not make any manual or automatic bulk downloading or storage of data from our webpages.

Website Content and Services

Content Ownership

All content published on the website, except user submitted content, is the property of the website and its respective owners.

Users retain ownership of the content they submit to the website, but by submitting such content, they grant the website owner a non-exclusive, perpetual, irrevocable, royalty-free, worldwide license to use, publish, reproduce, modify, adapt, distribute, display, and sublicense such content in any and all media or distribution methods now known or later developed.

The website and its representatives does not claim ownership of any third-party content submitted by users, and such content is the sole responsibility of the user who submitted it. The website will not be held liable for any third-party content posted on the website.

Users agree to only submit content that they have the right to use and that does not violate any third-party rights, including but not limited to copyright, trademark, or privacy rights. Users are solely responsible for obtaining any necessary permissions or licenses for any content they submit to the website.

The website reserves the right to remove or modify any content submitted by users that violates these Terms of Use or for any other reason deemed necessary by the website.

Accuracy of Information

We try to provide accurate and up-to-date information on our website, but we do not guarantee the accuracy, completeness, objectiveness, or reliability of any information on the website. The information on the website is provided for general informational purposes only and should not be relied upon for any specific purpose.

Users of the website are responsible for verifying the accuracy and completeness of any information before relying on it. We are not liable for any errors or omissions in the information on the website or for any loss or damage arising from reliance on the information provided on the website.

We reserve the right to modify or update the information on the website at any time without prior notice.

Availability of Services

We cannot guarantee that the website will always be available or that access to the website will be uninterrupted. We may suspend or terminate access to our website for any reason, including but not limited to maintenance or updates, without prior notice.

We reserve the right to modify, update, or discontinue any aspect of the website or the services provided on it at any time, without prior notice.

We are not liable to you or any third party for any damages that may result from the unavailability or interruption of the website or any part of it.

Disclaimer of Warranties and Limitation of Liability

Explanation of website’s liability limitations

The website provides data for informational purposes only. We do not guarantee the accuracy or completeness of the information provided on our website. By using this website, you acknowledge and agree that the website, its owners, affiliates, and employees shall not be liable for any errors or omissions in the content provided on the website. Any reliance on the information provided on our website is solely at your own risk.

You acknowledge and agree that the website, its owners, affiliates, and employees shall not be liable for any direct, indirect, incidental, special, or consequential damages arising out of your use or inability to use our website, including but not limited to, damages for loss of profits, goodwill, use, data, or other intangible losses.

In addition, the website does not warrant that our services will be uninterrupted or error-free. We reserve the right to modify, suspend, or discontinue our website at any time without notice.

By using our website, you acknowledge and agree to release the website, its owners, affiliates, and employees from any and all claims, damages, or losses arising from your use or inability to use our website or any information contained on our website.

Disclaimer of warranties

The website and its content are provided “as is” and “as available” without any warranties of any kind, express or implied. The website makes no representation or warranty that the content on the website is accurate, complete, reliable, or error-free. The website also makes no representation or warranty that the website will be available or uninterrupted, or that any defects will be corrected, or that the website or the server that makes it available are free of viruses or other harmful components.

To the fullest extent permitted by law, the website disclaims all warranties, including, but not limited to, the warranties of merchantability, fitness for a particular purpose, and non-infringement of proprietary rights. The website does not warrant that any information or advice obtained from the website will be accurate, objective or reliable or that any advice or information obtained will meet your expectations.

The website does not warrant, endorse, guarantee, or assume responsibility for any product or service advertised or offered (for example by a third party) through the website or any hyperlinked website or service, and the website will not be a party to or in any way monitor any transaction between you and third-party providers of products or services.

We will not compensate you for any loss you may suffer as a result of:

  • any mistake we make with the content on our websites;
  • any parts of our websites being unavailable or inaccessible;
  • your use of any organisation’s website that you can access from our websites (including any purchase from that organisation and any use they make of the personal data you provide to them);
  • the downloading of any material from any of our websites;
  • the content added to our websites by people using our interactive services; and
  • inaccurate pricing information, including any price predictions.

We do not, of course, exclude any liability we may have in the unlikely event we have been fraudulent or if we are negligent and as a result you have any discomfort or negative impact on your life or work.

Indemnification

You agree to indemnify and hold harmless the website, its affiliates, and their respective directors, officers, employees, and agents from and against any claims, damages, costs, liabilities, and expenses (including, but not limited to, reasonable attorneys’ fees) arising out of or related to your use of the website, your violation of these Terms of Use, or your violation of any rights of another.

Explanation of user’s responsibility to indemnify the website in certain situations

As a user of our website providing reviews and appraisals, you agree to indemnify and hold harmless our website and its affiliates, officers, agents, and employees from any claims, damages, costs, and expenses (including reasonable attorney’s fees) arising from your use of our website or your violation of these Terms of Use.

You acknowledge and agree that you are solely responsible for your use of our website and any content you submit, post, or transmit through our website. You further acknowledge and agree that you will not use our website for any unlawful or prohibited purposes, including but not limited to:

  1. Posting or transmitting any content that is illegal, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, libelous, invasive of another’s privacy, or otherwise objectionable;
  2. Using our website to impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity;
  3. Interfering with or disrupting the operation of our website or the servers or networks connected to our website;
  4. Collecting or storing personal data about other users without their express consent;
  5. Attempting to gain unauthorized access to our website or any of the services, accounts, computer systems, or networks connected to our website;
  6. Using our website to engage in any commercial activity, such as advertising or selling goods or services, without our prior written consent.

By using our website, you agree to defend, indemnify, and hold harmless our website and its affiliates, officers, agents, and employees from any and all liabilities, costs, and expenses, including reasonable attorneys’ fees, related to any violation of these Terms of Use by you or your authorized users or your use of our website.

Please note that our website reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you. In such cases, you agree to cooperate with our website as reasonably required in the defense of such matter.

Termination

The website reserves the right to terminate a user’s access to the site or to any of its features at any time and for any reason, including, but not limited to, a user’s violation of these terms of use. In the event of termination, all disclaimers, indemnifications, and limitations of liabilities set forth in these terms of use shall survive.

The website may also, at its discretion, remove any content or user-submitted materials from the site at any time without notice. The website shall not be liable to any user or third party for any termination of access or removal of content.

Upon termination, the user must immediately cease all use of the website and any of its features. Any provisions in these terms of use that by their nature should survive termination shall continue in full force and effect after termination, including, but not limited to, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

Explanation of circumstances under which user’s account may be terminated

The website reserves the right to terminate any user’s account without prior notice if they violate any of the Terms of Use or engage in any activity that could be harmful to the website or its users. The following actions may lead to account termination:

  1. Any violation of the Guidelines for appropriate behavior on the website
  2. Any violation of the Prohibited actions outlined in the Terms of Use
  3. Any attempt to hack, disrupt or manipulate the website or its systems
  4. Any attempt to engage in fraudulent activity on the website
  5. Any attempt to engage in illegal activity on the website
  6. Any attempt to misrepresent oneself on the website
  7. Any attempt to engage in activity that could harm the website’s reputation or that of its users

In the event of account termination, the user will lose access to all content and services provided by the website. The website reserves the right to pursue legal action against any user whose actions have resulted in account termination.

Governing Law and Jurisdiction

This section outlines the governing law and jurisdiction that will apply to any legal disputes related to the use of the website. By using the website, the user agrees to these terms.

  1. Governing Law: These Terms of Use shall be governed by and construed in accordance with the laws of the jurisdiction in Bulgaria.
  2. Jurisdiction: Any legal action or proceeding arising out of or relating to these Terms of Use or the use of the website shall be brought in the courts of the jurisdiction in Bulgaria, and the parties hereby submit to the exclusive jurisdiction of such courts for purposes of any such action or proceeding.
  3. Waiver of Jury Trial: Each party hereby waives any right to a trial by jury in any legal action or proceeding arising out of or relating to these Terms of Use or the use of the website.
  4. Severability: If any provision of these Terms of Use is held to be invalid, illegal or unenforceable for any reason, such invalidity, illegality or unenforceability shall not affect any other provisions of these Terms of Use, and these Terms of Use shall be construed as if such invalid, illegal or unenforceable provision had never been contained herein.
  5. Entire Agreement: These Terms of Use constitute the entire agreement between the user and the website with respect to the use of the website, and supersede all prior or contemporaneous communications and proposals, whether oral or written, between the user and the website with respect to the use of the website.
  6. Modification: The website reserves the right, in its sole discretion, to modify or replace these Terms of Use at any time. It is the user’s responsibility to review these Terms of Use periodically for any changes. The user’s continued use of the website following the posting of any changes to these Terms of Use constitutes acceptance of those changes.

Explanation of the law that governs the Terms of Use. Jurisdiction

The Terms of Use for this website shall be governed by and interpreted in accordance with the laws of the jurisdiction in Bulgaria. By using this website, you agree that any disputes arising from or relating to the Terms of Use or your use of the website shall be resolved in the courts located in Bulgaria. If any provision of the Terms of Use is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

Any legal dispute or claim arising from the use of our website will be resolved in accordance with the laws of Bulgaria, without regard to conflict of law principles. Users agree that any legal action arising from or relating to these terms of use or the use of our website must be brought in the courts of Bulgaria. By accessing or using our website, users agree to submit to the personal jurisdiction of the courts located in Bulgaria for the purpose of litigating all such claims or disputes.

Changes to the Terms of Use

Explanation of right to modify the Terms of Use

We reserve the right to modify these Terms of Use at any time without prior notice. Any modifications will be effective immediately upon posting on the website, and you agree to be bound by any such modifications. It is your responsibility to review these Terms of Use periodically to stay informed of any changes. Your continued use of the website after any modifications to the Terms of Use constitutes your acceptance of the modified Terms of Use.

We may also, at our discretion, add, delete, or modify some or all of the features of the website at any time without notice. We will not be liable to you or any third party for any modification, suspension, or discontinuance of the website or any of its features.

We encourage you to check the Terms of Use regularly for updates or changes, as it is important to stay informed of any modifications that may affect your use of the website. If you do not agree to any modified Terms of Use, your only recourse is to cease using the website.

Notification of changes

We reserve the right to modify these Terms of Use at any time without prior notice. It is your responsibility to check these Terms of Use periodically for changes. Your continued use of the website after the posting of changes constitutes your binding acceptance of such changes. If any modification to these Terms of Use is unacceptable to you, you must immediately:

  • cease all access to the website;
  • cease use of the website;
  • delete all content you have downloaded from the website.

Miscellaneous

Governing Law

These Terms of Use and any dispute or claim arising out of or in connection with them (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of Bulgaria without giving effect to any principles of conflicts of law.

By accessing or using this website, you agree that any legal action or proceeding between you and us related to these Terms of Use shall be brought exclusively in the courts located in Bulgaria. You hereby waive any right to assert the doctrine of forum non conveniens or similar doctrines, or to object to venue with respect to any such proceeding brought in such courts.

Dispute Resolution

In the event of any dispute arising between you and owners or representatives of the website, you agree to first contact the website’s customer support team to attempt to resolve the dispute amicably. If the dispute cannot be resolved through customer support, you agree to submit the dispute to binding arbitration in accordance with the rules of the arbitration association designated by the website.

You also agree that any arbitration proceeding shall be limited to the dispute between you and us and shall not include any claims or controversies involving any other party, unless they are a necessary party to the resolution of the dispute. The decision of the arbitrator shall be final and binding on all parties, and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.

You further agree that any cause of action arising out of or related to the website must commence within three (3) months after the cause of action accrues, otherwise, such cause of action shall be permanently barred.

Entire Agreement

These Terms of Use constitute the entire agreement between you and us about the website with respect to the use of the website and its services, and supersede all prior or contemporaneous communications and proposals, whether oral or written, between you and us about the website. Any waiver of any provision of these Terms of Use will be effective only if in writing and signed by representatives of the website.

Primary language

Where we could have provided you with a translation of the English language version of the page or site`s functionalities, then you agree that the translation is provided for your convenience only and that the English language versions of the Terms will govern your relationship with us. If there is any contradiction between the English language version and its translation in a different language, then the English language version shall take precedence.

Severability

If any provision of these Terms of Use is found to be unlawful, void, or unenforceable, then that provision will be deemed severable from these Terms of Use and will not affect the validity or enforceability of any remaining provisions.

This provision ensures that if any part of the Terms of Use is found to be invalid or unenforceable, it will not affect the enforceability of the rest of the terms. It allows the remaining provisions to continue to be enforced as written.

Waiver of Rights

If we fail to enforce any part of these Terms of Use, it does not mean we are giving up any of our rights. We may still enforce these Terms of Use at a later time.