Terms of Use

Please make sure you read and agree to our Terms of Use.

Please see below our Terms of Use. These are substantially similar to The Wikimedia Foundation’s Terms of Use, and we have taken their Terms of Use as base for PROFIT’s Terms of Use.

Introduction

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.

In order to use our platform, you must agree to abide to our Terms of Use. These are substantially similar to The Wikimedia Foundation’s Terms of Use.

Summary

This is a summary of the Terms of Use. Please keep in mind that this summary is not a part of the Terms of Use and is not a legal document. It is simply a handy 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 licenses.
  • 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.
  • Terms of Use and — You adhere to the below Terms of Use and to the applicable community policies when you visit our site or participate in our community.

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.

Our Terms of Use

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 Terms of Use (“Terms of Use”).

Overview

These Terms of Use tell you about our public services at PROFIT, our relationship to 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 policies like these Terms of Use or legal compliance for DMCA notices). This means 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 these Terms of Use in their entirety.

Our Services

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:

  1. 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.
  2. 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.

Privacy Policy

We ask that you review the terms of our Privacy Policy, so 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

  1. 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.
  2. 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 project.

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 users.
  • 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 applicable law.
  • 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 stated purpose;
    • 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 above terms.

Password Security

You are responsible for safeguarding your own password and should never disclose it to any third party.

Trademarks

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:

  1. 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.
  2. 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.
  3. 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 fashion.
  4. 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.
  5. 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.
  6. 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.
  7. 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 preserve them.
    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.
  8. 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.

DMCA Compliance

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 legal@projectprofit.eu.

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 third-party content.

Inappropriate Behavior

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 these Terms of Use has occurred, or (b) to comply with any applicable law, legal 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 these Terms of Use and permitting him/her from interacting with other users for a specific period of time.
  • Ban a user permanently from editing or contributing on the PROFIT platform or block a user’s account or access for actions violating these Terms of Use, including repeat copyright infringement.
  • Take legal action against users who violate these Terms of Use (including 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 criticism that does not result in actions otherwise violating these Terms of Use.

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.

Termination

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.

Other Terms

These Terms of Use do not create an employment, agency, partnership, or joint venture relationship between you and PROFIT project. If you have not signed a separate agreement with us, these Terms of Use are the entire agreement between you and us. If there is any conflict between these Terms of Use and a signed written agreement between you and us, the signed agreement will control. You agree that we may provide you with notices, including those regarding changes to the Terms of Use, 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.

Thank you!

We appreciate your taking the time to read these Terms of Use, and we are very happy to have you using and contributing to PROFIT.