Last updated: Feb 2, 2023
These ECNFI Terms of Use (the "Terms") govern your access to and use of our website and related web-based services and tools (collectively, the "Platform"), including all associated content, features, software, and data available through the Platform (collectively, the "Service"). These Terms also include our Privacy Policy, which is located at https://ecnfi.com/privacy/.
The Platform and the Service are administered and maintained by ECNFI. The terms "we", "us", and "our" refer to ECNFI. The term "you" refers to the person visiting or using the Platform.
Please read these Terms carefully. They contain important information regarding your legal rights, including limitations on ECNFI’s and third parties' liability, disclaimers of warranties, and governing law. Each time you access the Service (e.g., via web browser or device), you agree to comply with the version of the Terms active at that time. If you do not agree to these Terms, you may not use the Platform or Service.
To use the Service, you must be of legal age in your jurisdiction. The Service is offered strictly for informational and analytical purposes related to payment method data. You may not use the Service if you have been previously banned or restricted from access by us.
You may only use the Service as expressly permitted in these Terms. All rights not explicitly granted to you are reserved by ECNFI and its content providers.
ECNFI provides access to content and data related to global and regional payment methods. This content is protected under copyright and/or trademark law and may also include third-party data sources (collectively, the "Content"). You acknowledge that such Content represents significant intellectual property created and curated through substantial effort and investment by ECNFI and others.
You agree to respect the proprietary rights of ECNFI and third-party contributors. You must comply with any written requests regarding the protection of this data or content. This includes compliance with any additional third-party terms and policies ("Third Party Terms") associated with external data providers whose content is shown via the Platform.
Subject to your full compliance with these Terms, ECNFI grants you a limited, personal, non-exclusive, non-transferable, and non-sublicensable license ("License") to access and use the Service and Content solely for personal or internal business reference. You may not use the Service or Content for any commercial redistribution, resale, or derivative exploitation.
You are prohibited from modifying, copying, distributing, publishing, displaying, performing, reverse-engineering, or otherwise exploiting the Service or Content unless expressly authorized by ECNFI. Creating indices or databases based on the Content, or systematically extracting data from the Platform, is also not permitted.
Your access to any third-party datasets or visualizations via the Platform is subject to their respective usage terms, such as X’s Terms of Service located at https://x.com/tos. You are solely responsible for reviewing and complying with such third-party terms when applicable.
If you violate these Terms, your right to access and use the Platform and Service will terminate automatically.
You agree that you will not:
• Copy, modify, or create derivative works of the Service or any Content;
• Copy, manipulate, or aggregate any Content (including data) for the purpose of making it available to any third party;
• Trade, sell, rent, loan, lease, or license any Content or access to the Service, whether commercially or free of charge;
• Use or introduce to the Service any data mining, crawling, scraping, robot, or similar automated method, or manually access, acquire, monitor, or copy any portion of the Service or Content without prior written authorization from ECNFI;
• Make excessive requests for information, or take any action that interferes with, disrupts, or places an unreasonable load on the Service or any server or network connected to it, or otherwise negatively impacts the availability, speed, or functionality of the Service;
• Introduce any virus, Trojan horse, worm, time bomb, or other malicious software to the Platform, or use any device or software to bypass any security or volume limitation mechanisms;
• Violate, bypass, or attempt to circumvent any security measures designed to limit or prevent access to the Platform, Service, or Content;
• Attempt to gain unauthorized access to any part of the Service, Content, systems, or networks connected to ECNFI’s infrastructure, whether by hacking, password mining, or any other unauthorized method;
• Interfere with or restrict any other user’s ability to access or use the Service, including through any form of disruption or defacement of the Platform;
• Upload, distribute, or transmit through the Platform any program or tool that damages, intercepts, collects, or exposes any system, data, or personal information belonging to ECNFI or any third party;
• Use any ECNFI trademarks, service marks, trade names, or logos—or those of any third party shown on the Platform—without express permission;
• Remove or alter any copyright, trademark, or proprietary notices appearing in the Content;
• Use the Platform, Content, or Service in connection with any unlawful activity or in violation of any applicable laws or regulations, including but not limited to international sanctions laws or restrictions set by regulatory authorities.
Additionally, you acknowledge that it is your sole responsibility to secure and maintain all necessary telecommunications, internet access, devices, and software required to use the Service, and to bear all related costs and charges.
Subject to these Terms, you may view, print, and make copies of Content from the ECNFI Platform for your own personal use. You may not copy, reproduce, download, screen scrape, store, transmit, broadcast, publish, modify, create derivative works from, display, perform, distribute, redistribute, sell, license, rent, lease, or otherwise use or transfer any Content (whether in printed, electronic, or other format) in any manner not expressly permitted by these Terms without our prior written consent. To request permission for other uses, please contact legal@ecnfi.com.
All Content available on the Platform is owned or controlled by ECNFI. ECNFI, its logo, and all product or service names or slogans displayed on the Platform are trademarks or service marks of ECNFI or its data providers and licensors. These may not be copied, imitated, or used, in whole or in part, without prior written consent from ECNFI or the respective rights holder.
Ownership and rights to third-party data ("Third Party Data") included within the Content remain with the respective third-party data providers. You are responsible for complying with their applicable terms if you wish to use Third Party Data beyond what is permitted by ECNFI’s Terms of Use.
The look and feel of the Platform—including all page headers, custom graphics, icons, and scripts—is the service mark, trademark, and/or trade dress of ECNFI, and may not be copied or used without our prior written permission.
Other product names, company names, trademarks, or logos mentioned on the Platform are the property of their respective owners. Mention of these names or marks does not imply endorsement or association with ECNFI unless explicitly stated.
Nothing in these Terms grants you any ownership or license rights in ECNFI’s or any third party’s intellectual property. Any misuse of ECNFI’s intellectual property is strictly prohibited unless explicitly authorized by us in writing.
If you become aware of any infringement or unauthorized use of ECNFI’s content or trademarks, please report it to legal@ecnfi.com promptly.
"ECNFI" and all related marks, names, and logos are the exclusive property of ECNFI. The absence of a name, logo, or symbol on this Platform does not constitute a waiver of ECNFI’s intellectual property rights. You are not authorized to use any such elements without express permission.
You acknowledge that ECNFI and/or its content providers hold all copyright and intellectual property rights in and to the Content under applicable laws, and that all such rights are fully reserved.
You may place one or more links to the ECNFI Service (collectively, the "Link") on your own website ("Your Site"), provided that:
• The Link shall display only the following text: "ECNFI" or "ECNFI.com" or "Link to ECNFI.com";
• Your Site shall not contain any content that is unlawful, threatening, abusive, libelous, defamatory, or otherwise inappropriate, as determined solely by ECNFI;
• The look and feel of any content surrounding the Link, or on the same page as the Link (including the full article or section where the Link appears), must not be of a nature that may damage or dilute the goodwill associated with ECNFI’s name, reputation, or any of its trademarks, as determined at ECNFI’s sole discretion;
• No content on Your Site shall contain any material that may, in our view, create a false impression that you, Your Site, or any other website, organization, product, or service is associated with, endorsed by, or sponsored by ECNFI, or that any activity has been approved by ECNFI.
We reserve the right to revoke our consent to any Link at any time, at our sole discretion, and without prior notice. If we notify you that you may no longer link to the Service (or to a specific page or document), you must promptly—within three (3) calendar days—remove all affected Links from Your Site.
Subject to these Terms, the Service may allow you to post and share text, images, videos, insights, or other forms of content. You are solely responsible for any material you submit, including ensuring that it complies with all applicable laws, rules, and regulations.
You acknowledge and agree that by using the Service, you may encounter content submitted by other users that could be inaccurate, offensive, misleading, inappropriate, or objectionable. Such content is the sole responsibility of the individual or entity who submitted it, not ECNFI. ECNFI does not pre-screen or monitor all community-generated content and assumes no responsibility for any such content posted on the Platform.
Notwithstanding the above, ECNFI reserves the right, at its sole discretion, to remove any user-submitted content at any time and for any reason, without prior notice or liability. This includes, but is not limited to, situations where:
• The content violates these Terms or any applicable community guidelines;
• We receive a complaint or notice of intellectual property infringement;
• The content is determined to be harmful, misleading, or otherwise inappropriate.
All community-generated content should be considered informational in nature and not as professional or authorized advice. You accept full responsibility for your reliance on or use of such content.
By submitting content to the Platform, you affirm that you either own the rights to that content or have obtained appropriate permission or licenses to share it. If you believe any content posted by another user infringes on your intellectual property rights, please contact us at legal@ecnfi.com.
You retain ownership of the content you post on the Platform. However, by submitting content, you grant ECNFI a worldwide, royalty-free, fully-paid, transferable, and sublicensable license to host, store, display, reproduce, modify, adapt, edit, publish, and distribute that content (subject to our current Privacy Policy), for purposes such as operating, improving, promoting, and developing the Service and related offerings.
You acknowledge and agree that you will not receive compensation for any content you submit. Your continued use of the Service constitutes sufficient consideration for granting these rights to ECNFI.
The content on the ECNFI Service and Platform is provided strictly for informational and analytical purposes related to global and regional payment methods. Nothing on the Platform constitutes or should be interpreted as financial advice, investment guidance, or any offer related to currencies, securities, or financial instruments.
Content available through the Service is general in nature and is not tailored to the needs of any individual, business, or organization. ECNFI does not express any opinion regarding the suitability or future value of any payment method, provider, or strategy. The content must not be used as a basis for any financial or strategic decision without independent verification.
The content presented through the Service may include information submitted by third-party data providers. ECNFI does not guarantee the accuracy, completeness, reliability, or timeliness of any content and is not responsible for verifying its authenticity or usefulness.
The Service and all content are provided "as is" and "as available," without warranties of any kind. ECNFI disclaims all warranties—express or implied—including, but not limited to, warranties of merchantability, fitness for a particular purpose, title, and non-infringement. ECNFI does not guarantee that the Service will operate without interruption, be secure, or be free from viruses or other harmful elements.
To the fullest extent permitted by law, ECNFI assumes no liability for any:
• Errors, inaccuracies, or omissions in content;
• Property damage resulting from your access to or use of the Service;
• Unauthorized access to or use of our systems or stored information;
• Disruptions in transmission to or from the Service;
• Malware or malicious code transmitted by any third party;
• Loss or damage caused by your reliance on any content; or
• Offensive, defamatory, or unlawful content posted by others.
In no event shall ECNFI (including its officers, employees, affiliates, or agents) be liable for any indirect, incidental, punitive, special, or consequential damages—including loss of profits—arising from your use of the Service, delays in accessing the Service, or issues related to software, data, or linked services, even if ECNFI has been advised of the possibility of such damages.
In no case shall ECNFI’s total liability to you exceed one hundred U.S. dollars (US$100.00), regardless of the cause of action. This limitation reflects a fair allocation of risk and will apply even if a limited remedy fails its essential purpose.
Some jurisdictions do not allow limitations on certain damages, so the above exclusions may not fully apply to you. These Terms grant you specific legal rights; you may also have additional rights depending on your location. The disclaimers, exclusions, and limits described herein shall only apply to the extent permitted by law.
Except to the extent prohibited under applicable law, you agree to indemnify, defend, and hold harmless ECNFI and its directors, officers, employees, partners, service providers, consultants, agents, affiliates, successors, and assigns from and against any and all third-party claims, demands, actions, proceedings, losses, damages, liabilities, costs, and expenses (including reasonable legal fees) arising from or related to:
• Your use or misuse of, or access to, the Service or Content;
• Your violation of these Terms;
• Your breach of any applicable law, regulation, or legal obligation;
• Any claim that content or data you submit to ECNFI infringes, misappropriates, or violates the rights of any third party, including intellectual property rights or rights of privacy;
• Any dispute you have with a third party in connection with your use of the Service.
ECNFI reserves the right, at its own expense, to assume exclusive defense and control of any matter subject to indemnification by you. In such cases, you agree to cooperate fully with ECNFI in the defense and resolution of the claim.
The Service may include links to third-party websites. Your use of these links and any third-party websites is at your own risk. ECNFI does not control, monitor, or review third-party sites and makes no representations regarding their content, accuracy, availability, or practices.
Links are provided for your convenience only and do not imply endorsement, sponsorship, affiliation, or approval by ECNFI of the third-party website or its services or content.
Once you leave the ECNFI Platform—whether by clicking a link or navigating independently—the content you view is no longer governed by our Terms or Privacy Policy. You are solely responsible for understanding and complying with the terms and policies of any third-party site you access.
YOU AGREE THAT ECNFI SHALL NOT BE LIABLE FOR ANY PRODUCTS, SERVICES, CONTENT, INFORMATION, OR DEALINGS YOU MAY HAVE WITH THIRD PARTIES THROUGH ANY LINKED SITE. ECNFI IS NOT RESPONSIBLE FOR ANY LOSS OR DAMAGE ARISING FROM YOUR USE OF, OR RELIANCE ON, THE CONTENT OR BUSINESS PRACTICES OF THIRD PARTIES.
At any time, and at ECNFI’s sole discretion, we may modify, suspend, or discontinue the Service or any part of the Content without prior notice and for any reason. We shall not be liable to you or to any third party for any such modification, suspension, or discontinuance.
We may update or revise these Terms at any time without prior notice. By continuing to use the Service after changes are posted, you agree to be bound by the revised Terms. We encourage you to review these Terms regularly to stay informed about the most current version.
All remedies available to ECNFI under these Terms are cumulative and in addition to any legal or equitable remedies. ECNFI may take any necessary action—including suspension or termination of access to the Service—if we determine that you have violated these Terms, with or without prior notice.
We reserve the right, but are not obligated, to investigate any suspected misuse of the Service or violation of these Terms. Where appropriate, we may cooperate with relevant authorities, internet service providers, vendors, or system administrators. This cooperation may include sharing your personal data, such as IP address, email address, or activity logs, if we believe it is necessary to comply with laws, regulations, or legal processes.
We also reserve the right to disclose any information we deem necessary to comply with applicable laws, regulations, subpoenas, court orders, or governmental or legal requests.
ECNFI operates as an independent data platform dedicated to providing accurate, timely, and high-quality information about global and regional payment methods. We strictly follow our internal standards for data inclusion, ranking methodology, and score calculation to ensure transparency and consistency in how we present payment method data.
All payment methods and data sources listed on ECNFI are subject to our internal evaluation guidelines. Submissions for inclusion are independently reviewed based on merit, data quality, and compliance with our standards.
ECNFI’s ranking criteria are designed to prevent any form of preferential treatment. These standards are applied uniformly, regardless of any financial implications or external influence, positive or negative.
ECNFI and its team do not take public positions on the commercial value or market dominance of any specific payment provider, nor do we endorse any financial institution, platform, or payment network. Any mentions or appearances of providers are purely for data reporting purposes and are unrelated to any commercial partnerships.
Our commitment is to maintain the integrity and objectivity of our platform by independently presenting the most accurate and verifiable payment method data to the public. We believe that transparency and neutrality in the payments ecosystem are essential for building trust and advancing the industry.
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