Welcome to PROFIT! The PROFIT project aims at promoting financial awareness
and improve the financial capability of citizens and market participants.
That will be achieved by developing a platform with personal financial educational
toolkits available to the wider public, crowdsourcing tools that will process
financial data, advanced forecasting models, novel personalized recommendation
systems, etc. Users are encouraged to collect and develop content under a free
license or in the public domain, and to disseminate it effectively and globally,
free of charge.
substantially similar to The Wikimedia
reference for understanding the full terms.
Part of our objectives is to empower vulnerable population/customer groups, for
which financial literacy training can improve real outcomes, in terms of financial
inclusion, savings, indebtedness, and retirement planning. The ultimate goal is the
promotion of more responsible and prudent personal financial behaviour. From an
open-democracy perspective, it can be conducive to more active forms of
participation and citizenship.
Part of our mission is to:
Encourage users to collect, generate and share the
content of the platform, as well as to engage in fruitful dialog.
Disseminate this content effectively and globally, free of charge.
You are free to:
Read and share our educational material free of charge.
Participate and share discussions and polls under free and open
Contribute to our site.
Under the following conditions:
Responsibility — You take responsibility for your edits (since we only
host your content).
Civility — You support a civil environment and do not harass other users.
Lawful Behavior — You do not violate copyright or other laws.
No Harm — You do not harm our technology infrastructure.
applicable community policies when you visit our site or participate in our
With the understanding that:
You License Freely Your Contributions — you generally must license your
contributions and edits to our site under a free and open license (unless your
contribution is in the public domain).
No Professional Advice — the content of overviews and other projects is
for informational purposes only and does not constitute professional advice.
Welcome to PROFIT! The PROFIT Project (“we” or “us”) has received funding from the
European Union’s Horizon 2020 Framework Programme for Research and Innovation under
grant agreement no 687895. PROFIT envisions a financial awareness, knowledge sharing
and decision support platform, whose mission is to promote financial literacy.
PROFIT project entails a wide community consisting of: the Core Consortium (6
members), the User Forum members, and the Affiliate PROFIT Community.
To support our community, we provide the essential infrastructure and organizational
framework for the development of PROFIT platform. We strive to make and keep
educational and informational content from the project available on the Internet
free of charge, in perpetuity.
We welcome you (“you” or the “user”) as a reader, author, contributor, or moderator
of the PROFIT platform, and we encourage you to join the PROFIT community. Before
you participate, however, we ask that you please read and agree to the following
you as a user, and the rights and responsibilities that guide us both. Generally we
try not to monitor or delete user-generated content (with the rare exception of
that you and your fellow users are in control of creating and managing the content,
which we host.
The community - the network of users who are constantly building and using PROFiT by
creating and contributing to polls, articles, and discussions - are the principal
means through which the goals of the mission are achieved. The community contributes
to and helps govern our site, as well as enforce policies.
You are welcome to join as a reader, contributor, author, or moderator, but you
should follow the policies. Because we are dedicated to making content freely
accessible to the public, we generally require that all content you contribute is
available under a free license or in the public domain.
Please be aware that you are legally responsible for all of your contributions and
re-use of PROFIT content under the laws of Slovakia and other applicable laws in the
EU region (which may include the laws where you live or where you view or edit
content). This means it is important that you use caution when posting content. In
light of this responsibility, we have some rules about what you cannot post, most of
which is either for your own protection or for the protection of other users like
yourself. Please keep in mind that the content we host is for general informational
purposes only, so if you need expert advice for a particular question (such as legal
or financial issues), you should seek the help of a licensed or qualified
professional. We also include other important notices and disnoteers, so please read
PROFIT is dedicated to encouraging the growth, development and distribution of free
content, and to hosting the full content of this project for the public free of
charge. However, users should be aware that:
PROFIT user-generated content (e.g. articles, discussions, polls) are
collaboratively edited and provided by users like yourself. Thus, we do not take
an editorial role. This means that we generally do not monitor or edit content
that users provide, and we do not take any responsibility for this content.
Similarly, we do not endorse any opinions expressed via our services, and we do
not represent or guarantee the truthfulness, accuracy, or reliability of any
user-submitted community content. Instead, we simply provide access to the
content that your fellow users have contributed and edited.
You are responsible for your own actions: you are legally responsible for your
contributions on PROFIT, so for your own protection you should exercise caution
and avoid contributing any content that may result in criminal or civil
liability under any applicable laws (Slovak laws and EU laws). Although we may
not agree with such actions, we warn editors and contributors that authorities
may seek to apply other country laws to you, including local laws where you live
or where you view or edit content. The PROFIT project generally cannot offer any
protection, guarantee, immunity or indemnification.
that you are aware of how we collect and use your information. Because our services
are used by people all over the world, personal information that we collect may be
stored and processed in Slovakia or any other country in which we or our agents
maintain facilities. By using our services, you consent to any such transfer of
information outside your country.
Content we Host
You may find some material objectionable or erroneous: we provide a wide array
of content that is produced or gathered by fellow users, you may encounter
material that you find offensive, erroneous, misleading, mislabeled, or
otherwise objectionable. We therefore kindly ask you to use common sense and
proper judgment when using our services.
Our content is for general informational purposes only: although we host a great
deal of information that pertains to professional topics, including financial
issues, this content is presented for general informational purposes only. It
should not be taken as professional advice. Please seek independent professional
counseling from someone who is licensed or qualified in the applicable area in
lieu of acting on any information, opinion, or advice contained in the project.
Refraining from Certain Activities
The PROFIT platform hosted by EEA s.r.o. exists thanks to the vibrant community of
users like you who contribute in order to produce, share, and curate content. We
happily welcome your participation in this community. We encourage you to be civil
and polite in your interactions with others in the community, to act in good faith,
and to make edits and contributions aimed at furthering the mission of the shared
Certain activities, whether legal or illegal, may be harmful to other users and
violate our rules, and some activities may also subject you to liability. Therefore,
for your own protection and for that of other users, you may not engage in such
activities on our sites. These activities include:
Harassing and Abusing Others: engaging in harassment, threats, stalking,
spamming, or vandalism; and transmitting chain mail, junk mail, or spam to other
Violating the Privacy of Others: infringing the privacy rights of others
under EU laws or other applicable laws (which may include the laws where you
live or where you view or edit content), soliciting personally identifiable
information for purposes of harassment, exploitation, violation of privacy, or
any promotional or commercial purpose not explicitly approved by PROFIT, and
soliciting personally identifiable information from anyone under the age of 18
for an illegal purpose or violating any applicable law regarding the health or
well-being of minors.
Engaging in False Statements, Impersonation, or Fraud: includes posting
content that constitutes libel or defamation intentionally or knowingly;
posting content that is false or inaccurate with the intent to deceive;
attempting to impersonate another user or individual, misrepresenting your
affiliation with any individual or entity, or using the username of another user
with the intent to deceive, and engaging in fraud.
Committing Infringement: infringing copyrights, trademarks, patents, or
other proprietary rights under applicable law.
Misusing Our Services for Other Illegal Purposes: posting child
pornography or any other content that violates applicable law concerning child
pornography; posting or trafficking in obscene material that is unlawful under
applicable law; and using the services in a manner that is inconsistent with
Engaging in Disruptive and Illegal Misuse of Facilities:
Posting or distributing content that contains any viruses, malware,
worms, Trojan horses, malicious code, or other device that could harm
our technical infrastructure or system or that of our users;
Engaging in automated uses of the site that are abusive or disruptive of
the services and have not been approved by the PROFIT Project;
Disrupting the services by placing an undue burden on PROFIT or the
networks or servers connected with PROFIT
Disrupting the services by inundating PROFIT with communications or
other traffic that suggests no serious intent to use PROFIT for its
Knowingly accessing, tampering with, or using any of our non-public
areas in our computer systems without authorization;
Probing, scanning, or testing the vulnerability of any of our technical
systems or networks unless all the following conditions are met: such
actions do not unduly abuse or disrupt our technical systems or
networks; such actions are not for personal gain (except for credit for
your work); you report any vulnerabilities to EEA s.r.o. developers; and
you do not undertake such actions with malicious or destructive intent.
We reserve the right to exercise our enforcement discretion with respect to the
You are responsible for safeguarding your own password and should never disclose it
to any third party.
PROFIT is a registered trademark. We ask that you please treat our name, service
marks, logos, graphics/images, and domain names accordingly.
Licensing of Content
In order to grow the commons of free knowledge and free culture, we require that all
users contributing to PROFIT grant broad permissions to the general public to
re-distribute and re-use their contributions freely, so long as that use is properly
attributed. The same freedom to re-use and re-distribute is granted to any
derivative works. In keeping with our goal of providing free information to the
widest possible audience, it is required that when necessary all submitted content
be licensed so that it is freely reusable by anyone who cares to access it.
You agree to the following licensing requirements:
Text to which you hold the copyright: When you submit text to which you
hold the copyright, you agree to license it under: Creative Commons
Attribution-ShareAlike 4.0 International License (“CC BY-SA”), and GNU
Free Documentation License (“GFDL”) (unversioned, with no invariant
sections, front-cover texts, or back-cover texts) (re-users may comply with
either license or both). Please note that these licenses do allow commercial
uses of your contributions, as long as such uses are compliant with the terms.
Attribution: Attribution is an important part of these licenses. We
consider it giving credit where credit is due – to authors like yourself.
Moreover, when you contribute text, you agree to be attributed in any of the
following fashions via hyperlink or URL to the original or stable online copy
that is freely accessible and provides credit to all authors.
Importing text: You may import text that you have found elsewhere or that
you have co-authored with others, but in such case you warrant that the text is
available under terms that are compatible with the CC BY-SA 4.0 license (or, as
explained above, another license when exceptionally required by the Project
edition or feature)("CC BY-SA"). Content available only under GFDL, is not
permissible. You agree that, if you import text under a CC BY-SA license that
requires attribution, you are going to credit the author(s) in a reasonable
Non-text media: When you contribute non-text media, you agree to comply
with the requirements for such licenses as described in our Licensing Policy.
No revocation of license: You agree that you will not unilaterally revoke
or seek invalidation of any license that you have granted under these Terms of
Use for text content or non-text media contributed to PROFIT, even if you
terminate use of our services.
Public domain content: We welcome content that is in the public domain.
You should first confirm the public domain status of the content under EU laws,
as well as the laws of any other countries. When you contribute content that is
in the public domain, you warrant that the material is actually in the public
domain, and you agree that it is your responsibility to label it appropriately.
Re-use: Re-use and sharing of content that we host is welcome, though
exceptions exist for content contributed under "fair use" or similar exemptions
under copyright law. Any re-use must comply with the underlying license(s). In
order to re-use or share content created by the PROFIT community, you agree to
attribute the author(s) in the following fashions: through hyperlink or URL to
the page(s), and through hyperlink or URL to a stable online copy that is freely
accessible, which conforms with the license, and which provides credit to the
authors in a manner equivalent to the credit given on the PROFIT platform.
If the text content was imported from another source please ensure that it is
possible that it was licensed under a compatible CC BY-SA license but not GFDL
(as described in “Importing text,” above). In that case, you agree to comply
with the compatible CC BY-SA license and do not have the option to re-license it
under GFDL. In addition, please be aware that text that originated from external
sources and was imported into PROFIT may be under a license that attaches
additional attribution requirements. Users agree to indicate these additional
attribution requirements clearly. Such requirements notations may appear, e.g.,
below an article, pointing out that some or all of the content was originally
published elsewhere. Where there are such visible notations, re-users must
For any non-text media, you agree to comply with whatever license under which
the work has been made available (which can be discovered by clicking on the
work and looking at the licensing section on its description page or reviewing
an applicable source page for that work). When re-using any content that we
host, you agree to comply with the relevant attribution requirements as they
pertain to the underlying license or licenses.
Modifications or additions to material that you re-use: you must agree to
license the modified or added content under CC BY-SA 4.0 or later. When
modifying or making additions to any non-text media that you have obtained from
PROFIT, you agree to license the modified or added content in accordance with
whatever license under which the work has been made available. With both text
content and non-text media, you agree to clearly indicate that the original work
has been modified. For each copy or modified version that you distribute, you
agree to include a licensing notice stating which license the work is released
under, along with either a hyperlink or URL to the text of the license or a copy
of the license itself.
EEA s.r.o and PROFIT want to ensure that the content that is hosted on our servers
can be used and re-distributed by other users without fear of liability and that it
is not infringing the proprietary rights of others. In fairness to our users, as
well as to other creators and copyright holders, our policy is to respond to notices
of alleged infringement that comply with the formalities of the Digital
Millennium Copyright Act (DMCA). Pursuant to the DMCA, we will terminate, in
appropriate circumstances, users and account holders of our system and network who
are repeat infringers. Moreover, we appreciate your help in reporting such cases of
inappropriate behavior on the platform.
We also strongly encourage users to file counter-notifications when they
appropriately believe a DMCA takedown demand is invalid or improper. If you are the
owner of content that is being improperly used on PROFIT without your permission,
you may request that the content be removed under the DMCA. To make such a request,
please email us at email@example.com.
Third-party Websites and Resources
You are solely responsible for your use of any third-party websites or resources.
Although PROFIT may contain links to third-party websites and resources, we do not
endorse and are not responsible or liable for their availability, accuracy, or the
related content, products, or services (including, without limitation, any viruses
or other disabling features), nor do we have any obligation to monitor such
At PROFIT platform, we rarely intervene in community decisions about policy and its
enforcement. In case the need may arise, or the community reports a problematic user
because of significant disturbance or dangerous behavior, we reserve the right, but
do not have the obligation to:
Investigate your use of the service to (a) determine whether a violation of
process, or appropriate governmental request.
Detect, prevent, or otherwise address fraud, security, or technical issues or
respond to user support requests.
Refuse, disable, or restrict access to the contribution of any user who violates
a specific period of time.
Ban a user permanently from editing or contributing on the PROFIT platform or
including repeat copyright infringement.
reports to law enforcement authorities).
Manage the PROFIT platform in a manner designed to facilitate its proper
functioning and protect the rights, property, and safety of ourselves and our
users, licensors, partners, and the public.
In order to protect the interests of our users as well as the PROFIT project, in the
extreme circumstance that any individual has had his or her account or access
blocked under this provision, he or she is prohibited from creating or using another
account, unless we provide explicit permission. Without limiting the authority of
the community, the PROFIT project itself will not ban a user from editing or
contributing or block a user’s account or access solely because of good faith
Resolutions and Project Policies
PROFIT consortium reserves the right to release official policies from time to time.
You agree to abide by them as applicable.
You can stop using our services any time. If your account or access is blocked or
otherwise terminated for any reason, your public contributions will remain publicly
available (subject to applicable policies). In such circumstances, you may not be
able to access your account or settings. We reserve the right to suspend or end the
services at any time, with or without cause, and with or without notice. Even after
your use and participation are banned, blocked or otherwise suspended, these Terms
of Use will remain in effect with respect to relevant provisions.
Disputes and Jurisdiction
We hope that no serious disagreements involving you may arise. In the unfortunate
event there is a dispute, we encourage you to seek resolution through the dispute
resolution procedures or mechanisms provided by PROFIT platform. More information
regarding the legal aspects of this issue are going to be announced here soon.
venture relationship between you and PROFIT project. If you have not signed a
agreement between you and us, the signed agreement will control. You agree that we
by e-mail or postings/notifications on the PROFIT platform.
You understand that, unless otherwise agreed to in writing by us, you have no
expectation of compensation for any activity, contribution, or idea that you provide
to us and the PROFIT project and community.
to have you using and contributing to PROFIT.