1. Website

Your use of this website is subject to your agreement and compliance with the following terms and conditions, which together with our privacy policy govern Gizfolio Ltd's relationship with you in relation to this website.

The term "Gizfolio Ltd" or "us" or "we" refers to the owner of the website. The term "you" refers to the user or viewer of our website.

The use of this website is subject to the following terms of use:

• The content of the pages of this website is for your general information and use only. It is subject to change without notice.
• Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.
• Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.
• This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.
• All trademarks reproduced in this website which are not the property of, or licensed to, the operator are acknowledged on the website.
• Unauthorised use of this website may give rise to a claim for damages and/or be a criminal offence.
• From time to time this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).
• Your use of this website and any dispute arising out of such use of the website is subject to the laws of England and Wales.

2. Copyright and Intellectual Property

The content, images, layout and components contained in this website are copyright ©Gizfolio Ltd with the exception of user-submitted content, or where otherwise stated, which remains the property of their respective owner(s). You are not permitted to sell, reproduce, distribute, hire, display, publicly perform, create derivative works from, or otherwise use any content from this website without prior written consent from Gizfolio Ltd, or the copyright owner.

3. Relationship of Parties

The relationships and responsibilities of each party are outlined below. No responsibilities or liabilities should be assumed.

• This website operates for the purpose of initiating contact between registered members only, and is not responsible for any subsequent work agreements, contracts, deliverables or legal/financial disputes which may occur as a result of using this website. We accept no liability for, or make any guarantees relating to, the outcome of any interaction or transaction between members.
• Offers made, accepted or declined on this site do not constitute a binding agreement or legal contract. It is the sole responsibility of each member to draw up a written agreement before the commencement of work.
• Gizfolio Ltd does not provide the means for handling the transaction of payments or deliverables between members. By accepting this agreement, you acknowledge that payments and deliverables are the sole responsibility of each member in accordance with a written agreement between members.

4. Indemnification

You agree that you shall indemnify, defend and hold harmless Gizfolio Ltd and its officers, directors, employees, agents, owners and shareholders from and against any costs, expenses (including, among other expenses, reasonable attorneys' fees and expenses), losses, damages (specifically including, but not limited to, incidental, consequential, exemplary, special, indirect or punitive damages), suits, claims or liabilities incurred and arising from or relating to your use of gizfolio.com and its services.

5. Modification of Service

Gizfolio Ltd reserves the right to add, remove or modify the services offered on this website at any time without prior notice.

6. Termination

Gizfolio Ltd reserves the right to terminate any unpaid account or membership without prior notice. Any breach of the terms and conditions of this agreement, improper use or misconduct will result in an immediate termination of your account without reimbursement.

7. Currencies & Exchange Rates

All currency amounts posted on this website are in US Dollar ($ or USD) amounts. All other currencies quoted (£, GBP, € or EUR) are estimates based on the current exchange rate and are intended for informational purposes only. We offer no guarantees about the accuracy of exchange rate calculations. It is the sole responsibility of each member to verify amounts posted and offers made. USD to EUR rates are provided by the European Central Bank. USD to GBP rates are estimated by gizfolio.com based on indirect data where a direct conversion is not available.

Gizfolio Ltd is not endorsed by, or affiliated with European Central Bank or any of its partners or subsidiaries.

8. Assignment

This agreement is non-exclusive and non-transferable.

9. Acceptable Use

By accepting this agreement, you agree to the following conditions relating to the acceptable use of this website and related services. In using this website, you shall not...

• Misuse the information provided on the website, including breaching the privacy or personal details of other members, or using such information for purposes not directly related to the services offered by this website.
• Misrepresent, impersonate or otherwise violate the identity of any individual or organisation.
• Engage in activities related to spamming, hacking, fraud, identity theft or any activity which could cause detriment or damage to this website, its services or other members.
• Upload or submit any pornographic, offensive or illegal material.
• Upload or submit any material which breaches copyrights, trademarks or intellectual property.

10. Entire Agreement

The parties acknowledge that this agreement, and any modifications to this agreement, constitute the complete agreement regarding this subject and supersedes any prior oral or written communications relating to this subject.