Introduction

This website (Top10brands.com) is owned and provided by Shortlist Media SIA, registered in the Register of Enterprises of the Republic of Latvia (RE) with company registration number 40103851229, whose registered address is: Krišjāņa Barona street 4 - 32, Baloži, Latvia, LV-2128

In these Terms and Conditions, "we", "our" and "us" mean Top10brands.com, and "you" and "your" mean any person who accesses and uses this Website.

1. General

1.1. These Terms and Conditions regulate the usage of this Website. By using this Website, you indicate that you accept these Terms and Conditions in full.

1.2. It is recommended to not use this website if the person using it does not accept these Terms and Conditions.

1.3. To use this Website you must be at least 18 years of age.

1.4. We reserve the right to amend these Terms and Conditions without notice by amending this page. The amended Terms and Conditions will be effective from the date they are posted on this Website. As these Terms and Conditions may be amended, we suggest that you check them whenever you visit this Website. Your continued use of this Website will constitute your acceptance of these Terms and Conditions.

2. Our Services

2.1. We provide an independent online service that enables you to research and compare information on services and products provided by third parties and posted on this Website. Our comparison service is free for you to use. We do not add any fees or commissions to the products or services you compare. Our service introduces you to third parties who provide loans and other financial services. We are paid by charging these third-party service providers a fee and/or commission for customer acquisitions.

2.2. Nothing on this Website is, or shall be deemed to constitute, financial advice, recommendations, or an endorsement or preference by us of any service or product referred to on this Website. Information on this Website is provided for general information purposes only and is provided for you to select the service or product that most appropriately meets your needs. You should always check the suitability, adequacy, and appropriateness of the financial service that is of interest to you. We suggest you to seek independent professional advice before obtaining any financial service.

2.3. Nothing on this Website is, or shall be deemed to constitute, an offer to sell you any particular service or product or to enter into any contract with you with respect to any service or product.

2.4. We endeavor to provide uninterrupted access to this Website. We give no warranty as to the uninterrupted availability of this Website in case of any damage that results from any circumstances unrelated to us. We reserve the right to suspend, restrict, or terminate your access to this Website at any time.

2.5. We reserve the right to amend, delete, edit, modify, add, or remove any information, material, content, or data displayed on this Website without prior notice.

3. Permitted use

3.1. You are only permitted to access and use this Website for your personal, non-commercial purposes. This Website may only be accessed and used directly by you as a private individual or by you as a business to seek a service or product directly and on your own behalf. Access and use of this Website other than for your personal, non-commercial purposes are strictly prohibited.

3.2. You are not permitted to use this Website:

3.2.1. In any unlawful, fraudulent, or commercial manner.

3.2.2.To harm, abuse, threaten, defame, libel, intimidate or harass another person, or in a way that invades another person's privacy or is obscene, offensive, hateful, indecent, inappropriate, objectionable, unacceptable, discriminatory, or damaging as determined by us.

3.2.3. To create, check, confirm, update, modify, or amend your own or another person's databases, records, or directories.

3.2.4. To amend, modify, tamper with, or reverse engineer any part of this Website.

3.2.5. In a way that disrupts, imposes, or interferes with or places an unreasonable or disproportionately large burden on our technical systems and communications as determined by us.

3.2.6. Using any automated software, process, program, robot, web crawler, spider, data mining, trawling, or other automated screen reading software, process, program, or system.

4. Intellectual property rights

4.1. The information, content, material, or data displayed on this Website belongs to us, our licensors, or any service providers displayed. For your own personal use, you may temporarily print, copy, download or store extracts of information, content, material, or data displayed on this Website, subject to the following conditions:

4.1.1. Information, content, material or data displayed on this Website may not be used for any commercial purposes and may not be commercially exploited in any way without our prior written consent.

4.1.2. You may not use any automated software, process, program, robot, web crawler, spider, data mining, trawling, or other automated screen reading software, process, program or system.

4.1.3. Information may not be sold or transferred to any third party.

4.1.4. The copy must retain any copyright or other intellectual property notices contained on this website. You must not modify the paper or digital copies of such information, content, material, or data.

4.1.5. The status of us, our licensors, or any service providers displayed must be acknowledged as the authors of such information, content, material, or data.

4.2. All rights are reserved by Top10brands.com

5. Limits of our liability

5.1. We endeavor to ensure that information on this Website is accurate and up to date and to correct errors or misinformation as soon as we are able to after becoming aware of them.

5.2. We are not responsible or liable for any loss or damage caused in connection with information, content, material, or data collected from third parties and displayed on the Website or any third party websites. We do not check, monitor, review, verify or endorse such information, content, material, or data and warn you that it may be inaccurate, incomplete, or out of date. It is your responsibility to check that the information, content, material or data is accurate, complete, correct, and up to date.

5.3. Any views, opinions, advice, reviews, ratings, or comments on this Website, or any third-party websites, which are made by third parties (including user content) do not represent our views, opinions, advice, reviews, and ratings. Such information should not be relied upon by you and are not checked, monitored, reviewed, verified, or endorsed by us. We are not responsible or liable for any loss or damage you may suffer or incur in connection with views, opinions, advice, reviews, ratings, or comments including in relation to their accuracy, truthfulness, or completeness.

5.4. We do not give any warranty or guarantee that this Website, any third-party website, or any information, content, material, or data on this Website or any third party website is free from viruses, spyware, malicious software, trojans, worms, logic bombs or anything else which may have a contaminating, harmful or destructive effect on any technology. We suggest you use appropriate virus checking software. We are not responsible or liable for any loss or damage you may suffer or incur according to any of the above caused by any third party.

5.5. We are not responsible or liable for any loss or damage you may suffer or incur in connection with your use of this Website which is caused by any event beyond our reasonable control including the electronic transmission of information, content, material, and data over the internet and the interception or decryption of it by others.

5.6. We are not responsible or liable for any indirect loss or damage you may suffer or incur in connection with your use of this Website (including any loss of savings you expect to make, loss of business or business opportunity, or loss of profit or revenue) or for any loss or damage you may suffer or incur in connection with your use of this Website.

6. Exclusion of our liability

6.1. Please be aware that the information and descriptions of products and services on this Website may not represent the complete descriptions of all the features and Terms and Conditions of financial products and services and is not a complete list of your loan options. You must ensure that you carefully read all the features and Terms and Conditions of any financial product or service before applying for it.

6.2. If you apply for any financial product or service, you will be contracting with a third party (a bank or a lender of some other kind) who will be providing that financial product or service to you under their own Terms and Conditions. It is your personal responsibility to read, understand, and agree with those Terms and Conditions before entering into a contract for a financial product or service. We are not responsible or liable for any loss or damage you may suffer or incur in connection with the Terms and Conditions applied to any contract signed by you with any third party in relation to any financial product or service.

6.3. Your use of any third party website will be governed by the Terms and Conditions of that website. Such Terms and Conditions of use and privacy policy will be different from these Terms and Conditions. It is your responsibility to read, understand, and agree with the Terms and Conditions of any third-party website before using that website. We are not responsible or liable for any loss or damage you may suffer or incur in connection with the Terms and Conditions of any third party website.

6.4. Any views, opinions, advice, or assistance which is given or provided to you by a third party after you have used this Website do not represent our views, opinions, advice, or assistance and are not checked, monitored, reviewed, verified, or endorsed by us. We do not endorse, recommend, or take responsibility for any third party who provides you with any views, opinions advice, or assistance. We are not responsible or liable for any loss or damage you may suffer or incur in connection with such views, opinions, advice, or assistance including in relation to their accuracy, truthfulness, or completeness of any third party in connection with such views, opinions, advice, or assistance.

6.5. Please be aware that this Website provides information on a wide range of products or services, there may be other products or services available on the market which are not shown on this Website and which may be more appropriate or suitable for your needs than those shown on this Website.

7. Your responsibilities

7.1. You must take all reasonable precautions (including using appropriate virus checking software) to ensure that any information, content, material, or data you provide is free from viruses, spyware, malicious software, trojans, worms, logic bombs, and anything else which may have a contaminating, harmful or destructive effect on any part of this Website or the websites of third parties or any other technology.

7.2. You must check and ensure that all information, content, material, or data you provide on this Website is correct, complete, accurate, and not misleading and that you disclose all relevant facts. We do not accept any responsibility or liability for any loss or damage you may suffer or incur if any information, content, material, or data you provide on this Website is not correct, complete, and accurate or if it is misleading or if you fail to disclose all relevant facts.

7.3. Before you obtain any product or service from a third party, you must check all of the information, content, material, or data held by the third party about you to ensure it is correct, complete, accurate, and not misleading and that you have disclosed all relevant facts. It is your responsibility to identify and correct any mistakes or errors in the information, content, material, or data held by the third party about you before you obtain any product or service. Failure to do so could invalidate the product or service provided by the third party. We do not accept any responsibility or liability for any loss or damage you may suffer or incur if any information, content, material, or data held by the third party about.

7.4. You agree that you will be liable to us for any damage, loss, claim, demand, liability, or expense (including reasonable legal fees) that we may suffer or incur arising out of or in connection with your conduct on this Website.