1. General:
1.1. The Financial Multiplier website (hereinafter "the Website") is owned by M-Faculty Ltd. (hereinafter "the Company") and operated by it and/or by related companies and/or partnerships.
1.2. The terms of use below apply to the use of the topcheck.co.il website and/or social networks (including Facebook, Instagram, Twitter, etc.) and/or any other website and/or established/to be established by the company and/or anyone on its behalf, alone or together with others, which does not have specific regulations. For the avoidance of doubt, the term "the website" refers to the website in all its parts and to the content of the website of any kind, including all the information and content contained in the website, whether it is visible to users or not. Also, the term "The website" will also refer to the parts of the website which are accessed through other addresses and similar domain names.
1.3. The site serves as an informative site that offers its users a lot of information about the services that the company provides. The site operates a search engine with the help of which the surfer can, among other things, search for different and diverse properties, and the site also offers information about the world of mortgages and finance.
1.4. Please read these terms carefully and carefully, as the start of using the website and its contents indicates your agreement and approval of what is stated in these terms of use.
1.5. The use of the site indicates your agreement to the terms of use, as and when they are in their entirety, and constitutes consent by behavior to the terms of use. The user is asked to read the terms of use carefully. The use of the site will be done at the sole and full responsibility of the user.
1.6. To the extent that additional or specific terms of use apply to the site and/or others attached to the site, these will apply in addition to the terms of use detailed in the regulations below.
1.7. If you do not fully agree to all the conditions listed below, please immediately stop any further use of the website.
1.8. Access to the website and its use, including the contents included in it and the various services that operate on it, are subject to the conditions detailed below that regulate the relationship between the company and each surfer, viewer, user of the website or the information contained therein and/or information recipient and/or Service advertised on the website, directly or indirectly.
1.9. The terms of use apply to the use of the website and its contents through any computer or other communication device (such as a cell phone, smartphone, tablet, etc.). Also, the terms of use apply to the use of the website either through the Internet or through any network or other means of communication .
1.10. It is hereby clarified that the use of the masculine gender in the terms of use and/or in the second person is done for convenience reasons only and does not harm and/or create any discrimination.
1.11. The user may use the site for personal and non-commercial purposes only. It is forbidden to use the website and/or any part of it for a purpose that is not for personal or non-commercial use.
1.12. You may not copy and use, or allow others to use, in any way the contents of the site, including on other websites, in electronic publications, print publications, etc., for any purpose, whether commercial or non-commercial, that is not for personal and private use.
1.13. It is absolutely forbidden to distort the material published on this website, to present it in a misleading way, to damage it, to change it or to perform any action that reduces its value, and/or that may damage the honor or name of the owner of the copyright therein.
1.14. The site must not be linked to any site that contains pornographic and/or obtuse and/or offensive content and/or content that encourages racism and/or wrongful discrimination and/or violence, or that is against the law, or whose publication is against the law or that encourages activity that is against the law.
2. The contents of the website and the information presented therein:
2.1. The site as a whole, including all the information that appears on it and the software that underpins it, are offered to users as they are (AS IS).
2.2. The company makes an effort so that the information contained on the website is accurate and up-to-date, however, certain contents may be incomplete and/or technical and other errors may have occurred. The company will not be held responsible for damage, expense and/or loss caused to users due to errors and/or inaccuracies in such information. The company is not responsible for inaccuracies, or mistakes made in relation to the content. The company hereby clarifies that the content contained on the website is for general and informative purposes only and does not constitute a recommendation and/or opinion regarding the properties and/or professionals published on the website, and therefore the user is aware and agrees that any reliance on statements, positions, advice or any other content displayed on the website done at the user's discretion and sole responsibility; The user must perform all his own evaluations and tests regarding the property and/or what appears on the website and he waives and will be prevented from making any claim regarding reliance on any of these.
2.3. The company clarifies that the information presented on the website does not constitute a recommendation, opinion, consultation and/or offer to purchase any product and/or investment or to provide a service and any reliance on the information presented on the website is the sole responsibility of the user and the company will not be held responsible as a result of the user's reliance on the information and/or or the extent to which the information is suitable for the user's use and/or needs. The company has no responsibility for certain contents originating from third parties and the company does not guarantee the accuracy of these contents.
2.4. As far as the prices of services are shown on the website, the prices shown on the website are minimum prices and do not necessarily include any additional or supplementary service, which may be related to them. The company reserves its right to update or correct the prices.
2.5. As far as pictures are displayed on the website - these are displayed on the website for illustrative purposes only, they are not necessarily identical to reality and the user cannot rely on them. Any content and/or information presented on the site, which originates from third parties, was provided by them and the company will not have any responsibility for it, and everything is subject to the signing of a binding legal agreement. The aforementioned also applies to the owners of services listed on the website, for which there is no responsibility regarding the information in relation to them and/or it does not constitute advice and/or recommendation and your choice of which one is not solely your responsibility.
2.6. Any use of content on the website, including content provided by the company (including articles, videos, answers to questions, tips and/or photos and information about services) and/or third-party content, including any entry by the user to third-party websites by referring to the website and/or in an advertisement on the website, will be carried out at the sole responsibility of the user. The user will not have any claim and/or claim against the company in connection with the content on the site, including the content provided by the company and/or the content of a third party, for any direct or indirect damage, resulting from use and/or access as mentioned and/or due to reliance on content of a third party and/or due to violation of privacy following such use.
2.7. The company tries to ensure that the information presented on the website is as accurate as possible. However, there may be disruptions, inaccuracies and errors on the website and/or in the content and information provided therein, including with regard to any service and/or information on research in the field of mortgages and finance, due, among other things, to acts and/or omissions of the company and/or anyone on its behalf and/ or of third parties. The user hereby releases the company from any liability due to the information and/or content presented by it on the website and/or errors therein, including for any damage, direct or indirect, caused to the user due to any such content and/or information and/or the user's reliance on it, including Regarding the services, descriptions, prices, etc.
3. Limitations and liability:
3.1. The use of the website, the information and content appearing on it can be used as it is (AS IS) and the user will not have any claim, claim or demand against the company, its managers, employees, shareholders, controlling owners, companies related to it and anyone on behalf of all of them regarding the features of use, the limitations or the reactions provoked by the advertising on the site and through it, and these shall not bear any responsibility for the adaptation of the services offered on the site to the needs and/or goals of each user.
3.2. The company (its managers, employees, shareholders, controlling owners, companies related to it and anyone on its behalf), will not bear any responsibility of any kind whatsoever in relation to the information and contents found on the website and in any other means in which they appear, their content, reliability, accuracy, reliability and effect, including on The computers of the users of the site, as well as any damage, inconvenience, loss, emotional distress, etc., in direct or indirect consequences that will be caused to the user, his property or any third party due to the use of this information and content.
3.3. The user hereby declares that he is solely responsible for any use he may make of the site and its contents.
4. Privacy policy and/or provision of personal details:
4.1. On the site you can and will find services that require registration and/or providing personal details. When registering and/or when making contact, you will be asked to provide personal details such as: first name, last name, social security number, phone number, and an active e-mail address that you have. Only correct, accurate and complete details must be provided, and the user hereby confirms the correctness of the details he provided.
4.2. Providing the details constitutes consent on behalf of the user to save the information in the database and to receive direct mail and/or newsletters and/or advertisements to the user's mobile phone and email address.
4.3. A user who is interested in removing his personal information from the company's database or restricting its use must contact the site administrator in writing at hadar@mfaculty.com.
4.4. The company respects the privacy of the website users and the privacy of the personal information uploaded to the website.
4.5. The use of the collected information was done only according to the company's privacy policy and in accordance with the provisions of any law, and for the following purposes:
4.5.1. Activating the various services on the website;
4.5.2. Improving and enriching the services and content offered on the website;
4.5.3. Change or cancellation, expansion or reduction of existing services and contents;
4.5.4. Publication of information and contents;
4.5.5. Adapting the ads, content and advertisements that will be displayed to the user's interests;
4.5.6. Receiving and/or sending e-mail and/or SMS messages and/or Whatsapp and establishing contact with the user in accordance with the provisions of the regulations and any law; 4.5.7. The information that is not provided by the user personally in order to use the site's services and will be used by the company will mainly be statistical information, which is not personally identifiable.
4.5.8. It is clarified that the privacy policy can change from time to time.
4.6. As part of its ongoing activities to maintain and update the website, and as required by the nature of the services offered within the website, the company may transfer information from its database to various advertisers, including identifying information (such as name, phone or email address).
4.7. It is further clarified that the company will not bear any responsibility, direct or indirect, in cases of disclosure and use of information provided by the user resulting, directly or indirectly, from unauthorized and/or legal intrusions of third parties or as a result of acts and/or omissions beyond its control. br> 5. Cookies files:
5.1. The site uses "cookies" for its regular and proper operation, including to collect statistical data about the use of the site, for the purpose of securing information, verifying details, adapting the site to his personal preferences, to the areas of interest and to the information in which the user is interested and/or desired.
5.2. The information collected through cookies is used by the company for internal purposes only, with the aim of improving and updating the website in order to adapt to the needs of the user, and is subject to the limitations assumed by the company through the adoption of the privacy policy and in accordance with the provisions of any law.
5.3. In addition to the above, the advertisements that appear on the website, if they appear, in accordance with the agreement of the advertising companies with the company, are also carried out using cookies that allow them to collect information about the website and the advertisements that the user has viewed. Placing them on the user's personal computer is according to the procedures of the specific advertising company and not according to the company's privacy policy.
5.4. It is clarified that modern browsers include the option to avoid receiving cookies by changing the settings properties on the user's computer. If you don't know how to do this, check the help file of the browser you are using.
6. Copyright and intellectual property:
6.1. All copyrights and intellectual property on the website, in the services offered on it and in all the content included therein, belong to the company or to a third party that has allowed the company to use them, including the design of the website, its name, its content and any other material included in it. Any part of the above may not be copied, distributed, modified, presented publicly and/or given to a third party without the prior written consent of the company.
6.2. You may not copy, distribute, publicly display, transfer to the public, modify, process, create derivative works, sell or rent any part of the above, either by you or through or in collaboration with a third party, in any way or means whether electronic, mechanical, optical, photographic or recording means, or in any other way, without obtaining prior written consent from the company, or from the other rights holders, as the case may be and subject to the terms of the consent (as many as may be given). This provision is also valid in relation to any processing, editing or translation made by The company for the content entered into the website.
6.3. In addition to the above, to the extent that various contents are published on the site in accordance with the agreements signed by the company with third parties, price lists, sketches, etc., the copyrights in these contents belong to third parties and you may not copy, distribute, change, publicly display and/or hand over any part of the above without obtaining the consent of the owners of the rights in them, in writing and in advance.
6.4. The company will not be held responsible for any damage, of any kind and/or type, concerning copyrights, intellectual property and others that were violated as a result of unauthorized publication of content used as the subject of such rights.
7. Availability and/or modification of the website and/or the information therein:
7.1. The company may at any time make changes to the website, remove any part of the website and add to it, from time to time, by updating the website, as well as stop and start the activity of the website, refuse to grant access to the website or parts of it to any user and all at the sole discretion of the company and/or on its behalf and without prior notice and the user will not have any claim against the company and/or anyone on its behalf in connection therewith. Without detracting from the generality of the above, the company is not obligated to keep the information and content of the website, whether it originates from the company or from users or other parties, and it is entitled to delete it, and there will not be any claim, claim and/or demand against the company for making such changes and/or or malfunctions that will occur during their execution.
7.2. In addition, the company will be able to change from time to time the structure of the website, its appearance and design, the scope and availability of the services therein, and will be entitled to charge a fee for such or other content and services according to its decision, and will be entitled to change any other aspect involved in the website - and all without the need to notify in advance .
8. Electronic direct mail service:
8.1. From time to time, the company reserves the right to send you by e-mail and/or via SMS/Whatsapp messages information regarding the site's areas of activity, services, as well as information with marketing and advertising content.
8.2. At any time you may withdraw your consent and stop receiving it by giving a message to the company and/or by clicking on the "remove from the mailing list" button attached to each message, and the delivery of the information will stop immediately after receiving it.
8.3. The user will not have any claim regarding the information published on the website, but will not be sent to him using the above service.
9. Miscellaneous: 9.1. If a provision of the Terms of Use is found to be illegal, void or unenforceable for any reason, this provision will be deleted from the Terms of Use and its deletion will not affect the legality and validity of the remaining Terms of Use. In such a case, the existence of another similar condition will be deemed to be enforceable in place of the deleted or removed condition.
9.2. These terms of use constitute the complete agreement between you and the company regarding the manner of using the website and supersede any other understanding and/or agreement, oral or written, regarding the use of the website and its contents.
9.3. All activity on the site and everything related to it, including the terms of use, will be subject to Israeli law only and the exclusive jurisdiction in any dispute concerning the site and its use and the terms of use will be subject to the competent courts in the district of Tel Aviv, Israel.
9.4. The company reserves the right to make changes to the terms of use at any time, at its discretion, and without prior notice, and any change to the terms of use will enter into force immediately upon its publication on the website, as part of the terms of use, unless otherwise determined. It is the user's responsibility to check and update, from time to time, the terms of use.
9.5. Any question or problem related to the site or its terms of use, as well as any suggestion for improvement or recommendation should be directed to: hadar@mfaculty.com.
9.6. The user's use of the website constitutes a declaration and confirmation on his behalf that he has read these regulations, understood its content and agreed to its instructions. The user waives this in advance and will not be allowed to make any claim and/or demand against the company or anyone on its behalf in relation to the issues regulated in these regulations and/or the use of the website and/or all the information and/or data contained therein.