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General Terms and Conditions of Use of the Website


Fintech Factory is a registered brand by Lemur Legal.  This legal document describes the terms and conditions of use of the Fintech Factory website, accessible via a direct link at, owned and administered by Lemur Legal d.o.o., Breg 14, 1000 Ljubljana, registration no. 70162470000, tax no. SI 53345304 (hereinafter: Lemur Legal).


In addition to the General Terms and Conditions of Use of the website (hereinafter referred to as the "General Terms and Conditions"), we also ask you to read the Privacy Policy, which defines how we collect and use your data, and the Cookie Policy, which discloses which cookies we collect and for what purposes.

1. Acceptance of the General Terms and Conditions of Use of the Website

The Website Terms and Conditions of Use, Privacy Policy, and Cookie Policy (collectively the "Terms and Conditions") govern access to and the terms and conditions of use of this website and all information, text, graphics, photographs, and other materials contained on this website (collectively the "Content").


Your use of the Website is conditional upon your acceptance of and compliance with these Terms of Use. Your first use of the Website will be deemed your acceptance of these Terms of Use. IF YOU DO NOT ACCEPT THESE TERMS OF USE, DO NOT ACCESS OR USE THE WEBSITE.


2. Restriction of use

We grant you a personal, limited, non-exclusive, and non-transferable right to use our website for personal and non-commercial use by these Terms of Use and applicable law. As a condition of your use of the Website, you acknowledge that you will not use the Website for any unlawful purpose, inconsistent with these Terms of Use, or manifestly contrary to Lemur Legal's purposes. Lemur Legal reserves the right to investigate complaints and reported violations of these Terms of Use and to take any action it deems appropriate, including but not limited to reporting suspected illegal activity to the relevant law enforcement authorities, regulator, or another third party. Lemur Legal will disclose email addresses, website usage history, IP addresses, and traffic data to such rules if necessary. You are prohibited from using this Website or any Content that violates the Terms of Use.


The use of software that allows the acquisition of information about the use of the website by other users and the identification of their identity is prohibited.


You agree that you will not engage in any activity that (i) in our sole discretion constitutes or may constitute a disproportionate or excessive burden on our website and related infrastructure, (ii) interferes or attempts to interfere with the proper working of the website, or (ii) attempts to circumvent our measures to restrict access to the website in any way.


3. User/customer content

All content you provide to Lemur Legal, including information and material provided in the context of your questions, answers, requests for information, and comments ("User Content"), is your sole responsibility, and we are not responsible for it.

You agree and acknowledge that you are fully responsible for all content you provide us. Lemur Legal does not control User Content nor guarantee its accuracy, completeness, or quality. You agree that Lemur Legal shall not be liable for any loss or damage incurred due to your reliance on this information.


Please notify us of any suspected violations concerning User Content by email to:

Your content will only be read, used, and collected by Lemur Legal or persons authorized by Lemur Legal.


​4. Intellectual property rights

The Website and its content are the intellectual property of Lemur Legal or its authors and may not, except as provided in the Terms of Use, be used without the express written consent of Lemur Legal. 

Lemur Legal,, the logo, all images, photographs, and text, and all website content, graphics, and button icons are the intellectual property of Lemur Legal. All other trademarks, product names, and company names or logos are the property of their respective owners.

You may use the Lemur Legal or Fintech Factory name without our express consent as a reference when referring to legal or consultancy services already provided by Lemur Legal. You may also use it for any other purpose, provided that you provide us with appropriate compensation. Any other use requires the express written consent of Lemur Legal. The use of Lemur Legal's trademarks and copyrights is prohibited. The use of Lemur Legal's services or products in a manner that could confuse whether they are Lemur Legal's products or services is also prohibited. The use of Lemur Legal's products in a way that could be construed as Lemur Legal sponsoring, endorsing, or otherwise being affiliated with you, your activities, products, or services is prohibited.


5. Exclusion of liability

Except as expressly stated in these Terms of Use, Lemur Legal makes no representations or warranties, express or implied, to the fullest extent permissible under applicable law, regarding the adequacy, reliability, availability, timeliness, and accuracy of the information and the content of the website and links to third party websites on our website. Lemur Legal provides our website, news, content, and the graphics linked to it without any warranty.

The information on the website may need to be more accurate or contain typographical errors. Lemur Legalshall not be liable for any damages for loss of use of the website, data, profits, goodwill or reputation, personal injury, or any other damages arising out of (i) your access to our website, (ii) your inability to use our website, (iii) any information or content contained on our website, (iv) your information or materials submitted to our website. This exclusion of liability applies whether the damage is based on a breach of contract, tort, negligence, strict liability, or otherwise.


6. Cancellation and right of refusal

Lemur Legal reserves the right to deny anyone access to the Website, in whole or in part, at any time if we have reasonable grounds to believe that: i) you have violated these Terms of Use; ii) you have created a legal risk for us; or iii) it is no longer economically or socially reasonable for us to provide you with access to the Website.

We will do our best to inform you of the cancellation via the email you have provided. 


7. Links to third-party websites

If you use links to third-party websites when using our website, you will leave the Lemur Legal website. Third-party websites are not under our control, and Lemur Legal is not responsible in any way for the content on those websites or for any links to other websites contained on third-party websites. Third-party websites are subject to their terms and conditions of use. Lemur Legal provides links to third-party websites on the Website only as a convenience, and the inclusion of any such link on our Website does not constitute any recommendation, approval, or endorsement by Lemur Legal, nor does Lemur Legal imply in any way that the third party website recommends or endorses Lemur Legal's Website.


8. Changes to the Terms of Use

Lemur Legal reserves the right to change and amend the Terms of Use within the Website at any time. It is your responsibility to make yourself aware of any changes. The date of the most recent Terms of Use is recorded in the document. If you have any questions about any changes, please get in touch with us at


If the Terms of Use become unacceptable to you or you disagree with them after they have been modified, please do not use this website again. Using this website, you agree to the Terms of Use as modified.

9. Other provisions


Legal relationships. Due to these Terms of Use, no sub-contract, partnership, or employment relationship exists between the parties.

The whole deal. These Terms and Conditions of Use, together with the Privacy Policy and Cookie Policy, govern the legal relationship between you and Lemur Legal concerning the use of our website.

No waiver of rights. If either party fails to exercise any right under these Terms of Use, such failure shall not be deemed a waiver.

A higher power. Lemur Legal shall not be liable for any failure to perform its obligations under these Terms of Use if such loss is due to any cause beyond Lemur Legal's reasonable control, including, without limitation, mechanical, electronic, and communications failures or deterioration.

Independence of Provisions - If any provision of the Terms of Use is found to be unenforceable or invalid, then that provision shall be limited or eliminated to the minimum extent necessary to keep the Terms of Use in force.

Lemur Legal Assignment. Lemur Legal may assign or transfer the rights and obligations under the Terms of Use to a third party without your consent.

Duration and termination. These Terms of Use shall commence upon your access to the Lemur Legal Website and terminate upon discontinuing use or termination of these Terms of Use. 


10. Law

The law of the Republic of Slovenia shall govern the construction and interpretation of the Terms of Use. The parties now assign exclusive territorial jurisdiction to the court in Ljubljana.  

11. Contacts, feedback, and complaints

If you wish to contact us regarding the Terms of Use, we kindly ask you to email us at You agree that we may use your feedback to make improvements and changes to our website without any restriction or obligation to pay you.

Lemur Legal, d.o.o.

Ljubljana, May 2023

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