Introduction

Yes, there’s lots of legal stuff on this page, but we’re required to share it with you. And that’s a good thing, because at Ficas we believe you should be an informed consumer and user of the Internet. Www.Ficas.com is fully owned and operated by Ficas AG, with headquarters in Switzerland. Any mention in this document to www.ficas.com and Ficas is a direct reference to Ficas AG.The Site and its Services are available for your personal use on your own behalf.  FiCAS may revise these Terms of Use at any time without notice to you. If you have any questions about these Terms of Use, please contact us at https://FICAS.com

This Site owned and operated by FiCAS AG, a Switzerland based Company.All right, title and interest in and to information, documents, logos, graphics, images and materials provided on this Site owned by FiCAS AG and may not be copied, reproduced, republished, downloaded, uploaded, posted, displayed, transmitted or distributed in any way;

Nothing on our Site shall be considered to grant or confer any license of any of our intellectual property rights.

FiCAS AG reserves all rights not expressly granted herein.

The terms and conditions below (the “terms”) are what govern your use of the Ficas website on the Internet and World Wide Web on any device. These terms are a legal contract between you and Ficas(“we” or “us”.). They govern your access to, and your use of our website, which (as you know) is located at www.ficas.com (the “site”). These terms also govern your use of any services and products we provide on the site. If you do not agree with any of these terms, please do not access or otherwise use this site and/or our services and products.

Your use of this site, services and/or products on this site means that you agree to abide by each of the terms below. Ficas may make changes to the services and products offered on this site, at any time and without notice, and Ficas can change these terms at any time without notice by posting updated terms of use here on the site.

 Ficas provides Services that assist you in determining whether to buy or sell certain cryptocurrencies. In other words, FiCAS AG only provides signals for its Subscribed users to assist them in buy or sell certain cryptocurrencies.  Engaging in such activities is a personal matter and the behaviors associated there with should be adapted to each person’s individual situation. No general advice, information or tool can fit every circumstance. Moreover, the information and signals contained on the Site and Services is not financial or commodity trading advice and is not guaranteed to be correct, complete or up-to-date.  Market makers, rather than exchanges, provide all prices contained within the Site and Services, therefore prices may not be accurate and may differ from the actual market price, i.e. prices are indicative and not appropriate for trading purposes. The information, Videos contained on the Site is only educational purpose contents. If you need information or advice for your specific situation, or if you do not understand our work, you should not use the Site or its Services.

Please note that each Subscribed User sign a Contract with FiCAS AG individually and agree to its terms and conditions. The liabilities of both sides to each other are slightly different from normal users who are just visiting and using the FiCAS.com and its services.In connection with the use of our products or Services, you may be asked to provide personal information. This information will be protected pursuant to our Privacy Policy and you may revoke this license at any time by deleting your account and removing your personal information from our service.If you continue to use the site after such changes have been posted, it means that you agree to the new terms, even if you have not reviewed the changes. Therefore, you really should check the terms of use posted here periodically for updates and changes.

YOU AGREE THAT BY USING THE SITE AND THE SERVICES YOU ARE AT LEAST 18 YEARS OF AGE AND THAT YOU ARE LEGALLY ABLE TO ENTER INTO A CONTRACT. IF YOU DO NOT AGREE TO THE TERMS OF USE, DO NOT USE THIS SITE.

License to Use

 FICAS grants you a limited, personal, non-exclusive, nontransferable license to use our Site and its Services for your own personal use. Except as otherwise provided, you acknowledge and agree that you have no right to modify, edit, copy, reproduce, create derivative works of, alter, enhance or in any way exploit the Site in any manner without the express written consent of FiCAS AG. You may not access, download, use or export the Site in violation of Switzerland laws or regulations or in violation of any other applicable laws or regulations. In addition, you may not engage in Site data scraping of any kind without prior permission from FiCas AG.

Investment Advice

 FICAS is a financial investment advisor. Any information provided in connection with the Site and/or Services that are shown publicly herein does not constitute commodity-trading advice, nor do the Site or Services provide or engage in any of the following (A)Obtain access or direct client accounts or funds in any form; or (B)Provide information or trading advice based on, or tailored to, the commodity interest or cash market positions or other circumstances and/or other characteristics of particular clients OR (C)Provide information or trading advice regarding Bitcoin (BTC), Bitcoin Cash (BCH), Litecoin (LTC) and or any other cryptocurrencies . Subscribed users who engage with our services, sign the contract with FiCAS, and agree to use our advice for trades, terms and condition will be exactly as the terms of contract that they have signed.

Risk Disclaimer

This Site and the Services contain educational contents, investment strategies, marketing methods that, regardless of previous results and experience, may not produce the same results (or any results) for you. FICAS makes absolutely no guarantee, expressed or implied, that by following the content available from this Site or Services that you will make any money or improve current profits, as there are several factors and variables that come into play regarding any given business.Results will primarily depend on the nature of the product or business model, the conditions of the marketplace, the experience of the individual, and situations and elements that are beyond your control.As with any business endeavor, you assume all risk related to investment and money based on your own discretion and at your own potential expense.Please note that, subscribed users who engage with our services, sign the contract with FiCAS AG, and agree to use our advice for trades, terms and condition will be exactly as the terms of contract that they have signed.

FiCAS shall not be liable for loss or damage because of reliance on the information contained within this website including data, quotes, charts and buy/sell signals. If you engage in the use of the Services, you considered to be fully informed regarding the risks and costs associated with investing as Cryptocurrency trading presents considerable risk, and is not suitable for all investors. Before deciding to trade any instrument, you should carefully consider your investment objectives, level of experience, and risk appetite.

DO NOT EVER INVEST MORE THAN YOU CAN AFFORD TO LOSE.

In summary, you understand that we make absolutely no guarantees regarding income as a result of applying this information and you are solely responsible for the results of any action taken on your part as a result of any of FiCAS’s Services. You agree that our website content is “for educational purpose only.” Always seek the advice of a professional when making financial, tax or legal decisions.

NO WARRANTY

THE SITE, AND ALL MATERIALS, DOCUMENTS OR FORMS PROVIDED ON OR THROUGH YOUR USE OF THE SITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, FiCAS EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. 

FiCAS MAKES NO WARRANTY THAT:

(A) THE SITE, SERVICES, OR THE MATERIALS WILL MEET YOUR REQUIREMENTS;

(B) THE SITE, SERVICES, OR THE MATERIALS WILL BE AVAILABLE ON AN UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE BASIS;

 (C) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SITE, SERVICES, OR ANY MATERIALS OFFERED THROUGH THE SITE OR SERVICES, WILL BE ACCURATE OR RELIABLE; OR

(D) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SITE, SERVICES, OR IN RELIANCE ON THE MATERIALS WILL MEET YOUR EXPECTATIONS.

OBTAINING ANY INFORMATION WITH THE SITE OR SERVICES IS DONE AT YOUR OWN DISCRETION AND AT YOUR OWN RISK. FiCAS SHALL HAVE NO RESPONSIBILITY FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE USE OR DOWNLOAD OF ANY CONTENT, MATERIALS, INFORMATION OR SOFTWARE ASSOCIATED WITH THE SITE.

Therefore, your use of this site, the Materials and/or the products and services is at your own risk. You assume all risks of using this site, the Materials and/or the products and services. Ficas does not warrant the accuracy or timeliness of the materials or the Third-Party Content contained on this Site. Neither the Materials nor the Third-Party Content have been verified or authenticated in whole or in part by Ficas, and they may not be current or may include inaccuracies or typographical errors.

Ficas shall have no liability for Materials and/or Third-Party Content that is not current or for any errors or omissions in the Materials and/or the Third-Party Content, whether provided by Ficas or our licensors. Ficas does not guarantee that you will achieve any economic return or benefit from the use of the Materials.

Ficas, for itself and its licensors, makes no express, implied or statutory representations, warranties, or guarantees in connection with the site, the products and services or any Materials or Third-Party Content, relating to the quality, suitability, truth, accuracy, currency or completeness of any information or material contained on the site. This includes, without limitation, the Materials and the Third Party Content.

Ficas disclaims and excludes any and all implied warranties, including any implied warranty of merchantability, fitness for a particular purpose, or non-infringement of third party rights. Unless otherwise explicitly stated, to the maximum extent permitted by applicable law, the site, the products and services, the Materials, Third Party Content, and any information or material contained on the site is provided to you on an “as is,” “as available” and “where is” basis with no warranty of any kind.

LIMITATION OF LIABILITY AND INDEMNIFICATION.

YOU WILL HOLD FiCAS AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS HARMLESS FOR ANY INDIRECT, PUNITIVE, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGE, HOWEVER IT ARISES (INCLUDING ATTORNEYS’ FEES AND ALL RELATED COSTS AND EXPENSES OF LITIGATION AND ARBITRATION, OR AT TRIAL OR ON APPEAL, IF ANY, WHETHER OR NOT LITIGATION OR ARBITRATION IS INSTITUTED), WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE, OR OTHER TORTIOUS ACTION, OR ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT AND/OR IN RELATION OF USING THIS WEBSITE, INCLUDING WITHOUT LIMITATION ANY CLAIM FOR PERSONAL INJURY OR PROPERTY DAMAGE, ARISING FROM THIS AGREEMENT AND ANY VIOLATION BY FiCAS OF ANY APPLICABLE (I.E. FEDERAL, STATE, OR LOCAL )LAWS, STATUTES, RULES, OR REGULATIONS, EVEN IF FiCAS AG HAS BEEN PREVIOUSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.

IF THERE IS LIABILITY FOUND ON THE PART OF FiCAS, IT WILL BE LIMITED TO THE AMOUNT PAID FOR THE PRODUCTS AND/OR SERVICES, AND UNDER NO CIRCUMSTANCES WILL THERE BE CONSEQUENTIAL OR PUNITIVE DAMAGES.

In no event shall Ficas be liable to you or any third party for any indirect, extraordinary, exemplary, punitive, special, incidental, or consequential damages (including loss of data, revenue, profits, use or other economic advantage) however arising, even if Ficas have been advised of the possibility of such damage.

Ficas aggregate liability to you or any third party for any damages resulting from your displaying, copying, or downloading any material on the site or reliance on the information and/or material presented on the site shall not exceed fifty dollars ($50.00).

Compliance with Intellectual Property Laws

When accessing FiCAS you agree to obey the law and you agree to respect the intellectual property rights of others. Your use of the Site is at all times governed by and subject to laws regarding copyright, trademark and other intellectual property ownership. You agree not to upload, download, display, perform, transmit or otherwise distribute any information or content in violation of any third party’s copyrights, trademarks or other intellectual property or proprietary rights. You agree to abide by laws regarding copyright ownership and use of intellectual property, and you shall be solely responsible for any violations of any relevant laws and for any infringements of third party rights caused by any content you provided or transmitted using your FICAS.COM user account.

All images and text, all page headers, custom graphics and button icons are service marks, trademarks and/or trade dress of FiCAS. All other trademarks, product names and company names or logos cited herein are the property of their respective owners. All Site design, text, graphics, the selection and arrangement thereof, Copyright ©, FiCAS AG. ALL RIGHTS RESERVED.

All information, data, and screens appearing on Ficas, including web pages, documents, site design, text, graphics, logos, images and icons, and the selection and arrangement thereof, are the sole property of Ficas unless otherwise specified.

All rights not expressly granted herein are reserved worldwide. Any reproduction, distribution, modification, retransmission, or publication of any copyrighted material on the site is strictly prohibited without the express written consent of the copyright holder, except as otherwise required by applicable law.

Reservation of Rights

 The Site reserves the right at any time and in its sole discretion to request that you remove all links or any particular link to our Site. You agree to immediately remove all links to our Site upon such request. The Site also reserves the right to amend these terms and conditions and it’s linking policy at any time. By continuing to link to our Site, you agree to be bound to and abide by these linking terms and conditions.

If you find any link on our Site or any linked Site objectionable for any reason, you may contact us about this. The Site will consider requests to remove links but will have no obligation to do so or to respond directly to you.

The Ficas site may be linked to other sites that are not owned, operated, or managed by Ficas. We provide these links to you only as a convenience, and Ficas is not responsible for the content or links displayed on these third-party sites.

Privacy Policy

Your use of the site is governed by the Ficas Privacy Policy, which is available on this site on our Privacy Policy page. FiCAS respects your privacy and permits you to control the treatment of your personal information. A complete statement of FiCAS’s current Privacy Policy can be obtained on its website. FiCAS AG’s Privacy Policy is expressly incorporated into this Agreement by reference.

If you choose to create an account with FICAS.COM, you will be asked to provide a username and password. You are responsible for maintaining the confidentiality of your password. You may not use a third party’s account, or personal information. You agree to notify us immediately of any unauthorized use of your account, user name or password. FiCAS shall not be liable for any losses you incur as a result of someone else’s use of your account or password, either with or without your knowledge. You may be held liable for any losses incurred by us, our affiliates, officers, directors, employees, consultants, agents and representatives due to someone else’s use of your account or password.

Anti-Spam Policy

Your use of the site is governed by the FicasAnti-Spam Policy, which is available on this site on our Anti-Spam Policy page.

Cookie Policy

Our website uses cookies; by using our website or agreeing to these terms and conditions, you consent to our use of cookies.

Inquiries

BY USING FiCAS SERVICES OR ACCESSING THE FiCAS.COM SITE, YOU ACKNOWLEDGE AND ACCEPT THAT SUBMITTING YOUR EMAIL OR TELEPHONE NUMBER TO FiCAS VIA THE FiCAS.COM SITE CONSTITUTES AN INQUIRY TO FiCAS, AND THAT FiCAS AG MAY CONTACT YOU AT THE EMAIL OR NUMBER SUBMITTED EVEN IF SUCH NUMBER APPEARS ON ANY STATE OR FEDERAL DO NOT CALL LISTS (TAKING INTO ACCOUNT INQUIRY EXCEPTION TIME FRAMES AS APPROPRIATE).

In order to utilize the Site’s Services, the User must register for an account. Upon normal registration, the user is required to provide general personal information such as (username, password, and email address).  After an account has been created, the User will have access to the Site information and Services.

The user who is willing to become subscribed user fills the forms on user verification section and must provide AML/KYC.

User Comments

Certain parts of this website offer the opportunity for users to post and exchange opinions, information, material and data (‘Comments’) in areas of the website. FiCAS does not screen, edit, publish or review Comments prior to their appearance on the website and Comments do not reflect the views or opinions of FiCAS, its agents or affiliates. Comments reflect the view and opinion of the person who posts such view or opinion. To the extent permitted by applicable laws FiCAS shall not be responsible or liable for the Comments or for any loss cost, liability, damages or expenses caused and or suffered as a result of any use of and/or posting of and/or appearance of the Comments on this website.

FiCAS AG reserves the right to monitor all Comments and to remove any Comments, which it considers in its absolute discretion to be inappropriate, offensive or otherwise in breach of these Terms and Conditions.

You warrant and represent that (A) You are entitled to post the Comments on our website and have all necessary licenses and consents to do so; (B) The Comments do not infringe any intellectual property right, including without limitation copyright, patent or trademark, or other proprietary right of any third party;(C)The Comments do not contain any defamatory, libelous, offensive, indecent or otherwise unlawful material or material which is an invasion of privacy;(D)The Comments will not be used to solicit or promote business, custom, or present commercial activities or unlawful activity.

You hereby grant to FiCAS a non-exclusive royalty-free license to use, reproduce, edit and authorize others to use, reproduce and edit any of your Comments in any and all forms, formats or media

General Use

Ficas provides content, services and products throughout this site.  All information, documents, products and services, including content, trademarks, logos, graphics and images (which are grouped together under the term “Materials”) are the copyrighted work of Ficas or Ficas licensors and/or contributors.

Ficas grants you a limited, personal, non-exclusive and non-transferable license to use the Materials solely for your personal use or internal business use. You agree that you will only use this site and the Materials for lawful uses.

You agree that you have no right to modify, edit, copy, reproduce, create derivative works of, alter, enhance or in any way exploit any of the Materials provided by Ficas in any manner.  Your limited license terminates automatically, without notice to you, if you breach any of these terms.

Upon termination of your limited license, you agree to immediately destroy any downloaded or printed Materials. Except as stated herein, you acknowledge that you have no right, title or interest in or to the site or any Materials on any legal basis.

You are prohibited from taking any action to circumvent or attempt to circumvent the security and access control provisions of the site. Such prohibited conduct includes, but is not limited to, any efforts to:(a) log into an account with a password not assigned to you;(b) access personally identifiable information not intended for you;(c) test the security measures on the site and/or attempt to identify system vulnerabilities;(d) impersonate any other user of the site and/or the products and services, forge any of the header information in any posting, or tamper with the TCP/IP packet header;(e) modify, reverse engineer, disassemble, decompile or otherwise attempt or allow others to attempt to discover the underlying software code for the site and/or the products and services; or(f) overwhelm or disable the site or the products and services or interfere with the access and use of the site and/or the services by any other user.

If Ficas becomes aware of any of the aforementioned activities on your part, we may investigate and take action. When appropriate, we may work with law enforcement to investigate and prosecute offenders.

Your continued use of the Site and/or the products and services is expressly conditioned on your compliance with the prohibitions, obligations and restrictions just stated. Without limiting the foregoing, you acknowledge that Ficas prohibits and you agree not to:

* Take any action that imposes an unreasonable or disproportionately large burden on the site’s infrastructure;

* Intentionally expose the site and/or any products or services provided on Ficasto a computer virus or any other program or code that is intended to disrupt or disable the operations of the site and/or our products or services;

* Frame or link to the site or any of the content or information available from the site, unless Ficas expressly consents to such linking and/or framing;

* Use any spider, robot or other program, code or device to copy, retrieve or index any portion of the Ficas site;

* Harvest or otherwise collect information about other users for any purpose other than expressly permitted herein;

* Post any false or inaccurate Submissions (defined below) or information on any part of the site;

* Use the products and/or services and/or the site to violate any applicable law or regulation, including, without limitation, the infringement of any copyright, trademark, trade secret or other intellectual property rights, or violate the privacy or rights of any other person;

* Post any Submission or information that is discriminatory, hateful, obscene, vulgar, abusive, defamatory, sexually-orientated, threatening, or otherwise objectionable;

* Include any hyperlinks or any misleading, irrelevant and/or hidden code or keywords in any Submissions posted by you;

* Harass, stalk, or otherwise subject any other user of the site and/or products and services to inappropriate or unwanted contact;

* Make any additions, changes, alterations and/or deletions to any Submissions posted by any user without the express written authorization of such other user;

Ficas reserves the right to terminate our relationship with you under these terms and prohibit your access to the site and/or products or services or to edit, remove or close any Submission or thread for any reason.

The foregoing list of prohibitions is illustrative and is not intended to be complete or exclusive.

You acknowledge and agree that there is the chance that you may be exposed to content that may be offensive or objectionable to you. You hereby acknowledge and agree that all submissions submitted by you or any other user express the views of the author, and Ficas will not be held responsible for or liable for the content in such submissions.

Your access to the site and Services is undertaken at your own risk and Ficas is not responsible for any offensive or otherwise objectionable materials that may be posted by any third party.

In addition, the foregoing prohibitions do not impose on Ficas any obligation to monitor or remove any Submissions or other information or communication submitted by you or any other user.

Submissions

Subject to the terms and conditions of the Ficas Privacy Policy, when you submit data and/or post communications on the site (collectively “Submissions”), you grant to Ficas an irrevocable, perpetual, royalty-free, worldwide right (including moral right) and license to use, reproduce, display, distribute, modify and create derivative works of Submissions, in whole or in part, and to incorporate Submissions into other works in any media and utilizing any technology now known or later developed. You warrant that you have all rights, and no third party has retained any such rights, (including moral rights) in and to Submissions you may post to the site.

Password Restricted Areas of the Website

Certain areas of the site may be password-restricted so only authorized users can access certain web pages and services (“Restricted Areas”). If you are an authorized member of the Restricted Areas, you take responsibility for maintaining the confidentiality of your password and account. You agree to notify Ficas if your password may have been compromised, or is lost, stolen, or disclosed to an unauthorized third party. You agree to immediately notify Ficas of any unauthorized use of your account or any other breach of security in relation to the site that may be known to you. You are responsible for activities that occur under your account.

Third Party Content

Some information and content may be provided by third parties to Ficas (“Third Party Content”).  The Third-Party Content is the copyrighted work of the creator/licensor, Ficas.

You agree that you will only display the Third Party Content on your personal computer for your personal or internal business use. You acknowledge and agree that you have no right to download, cache, reproduce, modify, display (except as set forth in this paragraph), alter, edit, manipulate or enhance any of the Third Party Content in any manner.

Ficas disclaims all express, implied and statutory warranties and conditions with regard to third party content. This includes, but is not limited to, all implied warranties of merchantability, fitness for a particular purpose and non-infringement.

Unauthorized use of any Materials or Third Party Content contained on this site may violate certain regulations and laws. You shall indemnify and hold Ficas and its officers, directors, employees, affiliates, agents, licensors, and business partners harmless from and against any and all damages, costs, expenses, and liabilities, including attorneys’ fees, that Ficas or any other indemnified party suffers in relation to, arising from, or for the purpose of avoiding any claim or demand from a third party in the event that your use of the site or the use of the site by any person using your user name and/or password violates any applicable law or regulation, or the rights of any third party.

Local Laws and Export Control

If you use this site outside Switzerland, you are responsible for compliance with all applicable local laws. Ficas controls and operates this site from its headquarters in Switzerland, and the Materials may not be appropriate or available for use in other locations.

DISPUTE RESOLUTION BY BINDING ARBITRATION  

Please read this carefully. It affects your rights. 

Most customer concerns can be resolved quickly and to the customer’s satisfaction by contacting us at FiCAS at https://Ficas.com/support/.  In the unlikely event that FiCAS is unable to resolve your complaint to your satisfaction (or if FiCAS has not been able to resolve a dispute it has with you after attempting to do so informally), we each agree to resolve those disputes through binding arbitration rather than in a court of general jurisdiction. Arbitration is less formal than a lawsuit in court. Arbitration uses a neutral arbitrator instead of a judge or jury, allows for more limited discovery than a court does, and is subject to very limited review by courts. Any arbitration under these Terms will take place on an individual basis; class arbitrations and class actions are not permitted. While in some instances, upfront costs to file an arbitration claim may exceed similar costs to bring a case in court, for any non-frivolous claim that does not exceed $75,000, the Customer and FiCAS will split the costs of the arbitration. You agree that, by entering into these Terms, you and FiCAS AG are each waiving the right to a trial by jury or to participate in a class action.

Consequences of Violation

If you violate these terms, Ficas may terminate your access to the site or Password-Restricted Areas without notice. Ficas prefers to advise you of your inappropriate behavior and recommend any necessary corrective action. However, certain violations of these terms, as determined by Ficas, will result in immediate termination of your access to the site or Password-Restricted Areas.

Ficas reserves the right to terminate any password-restricted account for any reason. These terms are governed by Swiss Law, without regard to the choice or conflicts of law provisions. Any disputes relating to these terms or the site will be heard in arbitration located in Switzerland. If any of these terms is found to be inconsistent with applicable law, then such terms shall be interpreted to reflect the intentions of the parties, and no other terms will be modified.

Ficas failure to enforce any of these terms is not a waiver of such terms. These terms are the entire agreement between you and Ficas and supersede any and all prior or contemporaneous agreements and understandings between you and Ficas.  These terms may not be modified except pursuant to a written amendment that is executed by an officer of Ficas.

Contact

If you have questions, concerns or feedback about this policy, just ask. Send an email to info@Ficas.com and let us know what’s on your mind.

Acknowledgement. BY USING FiCAS ‘S SERVICES OR ACCESSING THE FiCAS AG.COM SITE, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF USE AND AGREE TO BE BOUND BY THEM.