Terms Of Use

These terms and conditions (Terms) apply whenever you use our website http://fintech-galaxy.com/ (the Website). Please read these Terms carefully and print a copy for your future reference. Your use of the Website forms a legally binding contract with Mslynx Technologies FZCO (Fintech Galaxy, we or us) based on these Terms.  If you do not agree to these Terms, you must stop using the Website.  By browsing, using, registering, and uploading any data to the Website, you agree that you have read and understood, and agree to, these Terms (as amended from time to time). We may revise these Terms at any time by publishing an updated version on the Website. There are other terms that may apply to you, including for example the privacy policy http://fintech-galaxy.com/privacy-policy.  If you register in the Website as a Challenge Seeker, you will be bound by these Terms and the additional terms in any applicable agreements entered into between you and Fintech Galaxy.


Should you have any questions about these Terms or wish to contact us for any reason whatsoever, please e-mail us on info@fintech-galaxy.com.

1 Website

 The website is a marketplace for crowdsourcing in the FinTech space.  The Website provides a service (Service) whereby an entity in the FinTech Space (for example governmental entities, central banks, financial firms, banks, etc.) (a Challenge Seeker) may post problems (Challenges) and may offer the payment of an amount of money (Award) for solutions (Solutions) submitted by any person(s) who meet the criteria to register on the Website as set out in paragraph 2 (Solution Provider) (typically individuals, start-up companies and universities) which are accepted by the Challenge Seeker.  Each Challenge has its own requirements and levels of difficulty, and may require different types of information from the Solution Provider. Our role is limited to providing the platform for the publication of the Challenges and the submission of Solutions.  We are not in any manner involved in, and make no representations and warranties, in relation to the nature, qualifications, legality, timing or criteria for submission and acceptance of any Challenge, or in relation to the nature, qualifications, legality, compliance and timing of the Solutions. In addition to the Services provided as explained above, we publish content on the Website relevant to Challenge Seekers and Solution Providers. The content on the Website is provided for general information only.  It is not intended to amount to advice on which you should rely.  We make no representations, warranties or guarantees, express or implied, that the content on our Website is accurate, complete, up to date, legal or does not infringe the rights of any third party.

2  About you

 The Website is not available for use by minors (those under 18 years of age, or otherwise under applicable law), or individuals or organisations who cannot form legally binding contracts under applicable law. If you do not qualify, please do not use the Website. If you reside in a country that is prohibited by law, regulation, treaty or administrative act from entering into trade relations with the United States, the European Union and the United Arab Emirates, and its citizens, you may not use this Website.

3 If you are a Solution Provider

 3.1  If you are a Solution Provider, you must register as such. You may cancel your registration at any time by contacting info@fintech-galaxy.com. As part of the registration process, you will be asked to select a password and a login name. You agree that your registration information at all times correctly represents your professional affiliation, experience, qualifications and ability to transact business. You may not use a login name of another Solution Provider. You may not disclose or share your password to any third parties or use your password for any unauthorized purposes. You agree to notify us at info@fintech-galaxy.com of any unauthorized use of your account or breach of security, including loss, theft, or unauthorized disclosure of your password or login information. You are responsible for maintaining the confidentiality of your password(s).

3.2  We will use reasonable endeavors to keep the information in relation to current Challenges, results of the Solutions submitted on the Website, and payment of Awards as current as possible.  However, we do not guarantee that such information, any postings or content on the Website will be current and accurate at all times.  You acknowledge and agree that you may create and submit a Solution for a Challenge which has already been accepted, and for which the respective Award has already been paid, and for which we have not yet updated the Website to reflect this information.

3.3  If you submit a Solution in response to a Challenge, you represent and warrant that you are the owner of the submitted Solution and that you are legally free to make the disclosure and to convey the intellectual property rights being offered to the Challenge Seeker.

3.4  We are not involved in the process of selecting and accepting the Solutions.  Our role is limited to providing the Challenge Seeker with the list of Solutions submitted, who will at its entire discretion shortlist some of the Solutions.  The Challenge Seeker may not accept your Solution and you may not receive any Award for it.  You have no recourse or claims against us or the Challenge Seeker if your Solution has not been accepted. 

3.5  You may be asked to make legally binding warranties and representations to us and the Challenge Seeker in relation to a Solution that you submit on the Website. If your Solution is accepted by the Challenge Seeker, the payment of the respective award may be subject to certain conditions, including your entering into a legally binding agreement with the Challenge Seeker in relation to the use of, and intellectual property rights in relation to, the Solution.

4  Use of the Website

 4.1  You agree to use the Website only for lawful purposes and in a way which does not infringe the rights of any anyone else or restrict or inhibit anyone else's use and enjoyment of the Website.

4.2  You are permitted to download and print content from the Website solely for your own internal business purposes and/or personal use. Website content must not be copied or reproduced, used or otherwise dealt with for any other reason. You are not entitled to modify or redistribute the content of this Website or reproduce, link, frame or deep-link it on any other website without our express written permission. You are not entitled to use the content of the Website for commercial exploitation in any circumstances.

4.3  You agree not to use any device, software or routine to interfere with the proper working of the Website or which is intended to damage, interfere with, intercept or expropriate any system, data or personal information.

4.4  You are solely responsible for compliance with all applicable laws and regulations regarding your use of the Website and Services and the transfer of the technologies or information with which you are involved, including without limitation, import/export requirements, and we expressly disclaim any liability or responsibility thereto.

4.5  Without limiting any other rights and remedies we may have available under these Terms or at law, we may, without giving any notice, limit your activities on the Website, deny you access to the Website, remove information uploaded by you, or refuse to provide the Services to you if you breach these Terms or if we consider your use of the Website or the information provided by you in the Website, to us or other users, is inappropriate, potentially creates liability for us, or may cause us to lose (in whole or in part) the services of our Internet service provider, advertisers, or other suppliers.

5 Your information

 5.1    You are solely responsible for the content of your information provided to us or other users, during your registration or use of the Website and the Services, in any public message area, blogs, through any email feature or otherwise generated out of your use of the Website, postings, or Solutions (Your Information).

5.2  You agree that Your Information will be accurate and will not, to the best of your knowledge: (a) infringe any third party’s copyright, trademark, patent or other proprietary rights or rights of publicity or privacy, (b) violate any law (including without limitation those governing export control, consumer protection, unfair competition, anti-discrimination or false advertising), (c) be libelous, unlawfully threatening, or unlawfully harassing, or (d) be contrary to Islamic principles, or the social norms or moral or cultural considerations of the UAE or other GCC countries, (e) for which you have not obtained all necessary licences and approvals, or (f) which is technically harmful (including, but not limited to, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data).    

5.3  We will be free to copy, disclose, distribute, incorporate and otherwise use any of Your Information and materials posted or shared in or through the Website, for any and all commercial and non-commercial purposes.

5.4  Without prejudice to any rights or remedies we have under the Terms and the law, we reserve the right to remove Your Information and any materials that breach these Terms or that we deem inappropriate.

6  Limitation of our liability

We shall not be liable to you for any damages, claims, expenses, or other costs (including without limitation legal and attorneys’ fees) you suffer or incur as a result of third party claims relating to your use of the Website and the Services.  Under no circumstances will we be liable for any indirect special, economic, incidental, consequential or punitive damages. You agree that you are responsible for, and will indemnify us for any damages, claims, expenses, or other costs (including without limitation legal and attorneys’ fees) which we may suffer or incur arising out of or in connection with, any third-party claims in relation to Your Information or any breach by you of this agreement.

7  Intellectual Property Rights

7.1  We shall retain all ownership in the Website and all content generated by it and the Services that is displayed on the Website. We grant you a nonexclusive, revocable right to use the Website as set out in these Terms, provided that you do not (a) copy, modify, create a derivative work of, reverse engineer, reverse assemble or otherwise attempt to discover any source code, (b) modify or attempt to modify the website in any manner or form, except that you have the right to modify Your Information.  This Website or any portion of it may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without our express written consent.

7.2  Subject to paragraph 3.5, you shall retain all ownership in Your information.  You grant us a nonexclusive, worldwide, irrevocable, royalty free license to use Your Information as we may deem necessary for the provision of the Services.

8  Third Party Website Links

Where our Website contains links to other websites and resources provided by third parties, these links are provided for your information only.  Inclusion of such links should not be interpreted as sponsorship, endorsement or approval by us of those linked websites or information you may obtain from them.  We have no control over those websites or resources.

9 Miscellaneous

9.1  No relaxation or delay by us in exercising any right or remedy under these Terms shall operate as waiver of that right or remedy or shall affect our ability to subsequently exercise that right or remedy.  Any waiver must be agreed by us in writing. 

9.2  If any of these Terms is found to be illegal, invalid or unenforceable by any court of competent jurisdiction, the rest of these Terms shall remain in full force and effect.

9.3  Only you and us shall be entitled to enforce these Terms. No third party shall be entitled to enforce any of these Terms.

9.4  These Terms are governed by and shall be construed in accordance with the laws of the Dubai International Financial Centre. In the event of any matter or dispute arising out of or in connection with these Terms, you and we shall submit to the exclusive jurisdiction of the Dubai International Financial Centre (DIFC) Courts, including the DIFC small claims tribunal, where such tribunal has specific jurisdiction for such claim. 

I have a challenge
Submit your challenge
I have a solution
Submit your solution
I Need a Service
Accelerate your growth (Virtual accelerator services available for you)
View Services