1. Operator
The Website presents information about FinTechLab — the Laboratory of Modern Financial Technologies. Contact: legal@ftlab.space.
/ Terms of Use
Terms of Use
Effective date: 21 August 2026
These Terms of Use (“Terms”) govern access to and use of the FinTechLab website (the “Website”). By accessing or using the Website, you agree to these Terms. If you do not agree, do not use the Website.
2. Nature of the content
Materials on the Website are provided for research, educational, and informational purposes. They describe laboratory work, methods, projects, publications, and related activities. Content may be updated, corrected, or withdrawn at any time without notice.
3. No professional advice
Nothing on the Website constitutes financial advice, investment advice, banking advice, legal advice, medical advice, or individualized security advice. You must not treat research demonstrations, simulations, or publications as personalized guidance for your accounts, risk profile, compliance obligations, or legal position.
4. Interactive simulation
The anti-fraud simulation is a fictional educational scenario. It does not represent a real bank, payment provider, regulator, or other financial institution. No real payment, transfer, or banking action occurs. No credentials, OTP, PIN, or banking information are requested. Participation is voluntary and for learning purposes only.
5. Intellectual property
Text, design, graphics, software references, audiovisual materials, and other content on the Website remain the property of their respective rights holders, including FinTechLab, and attributed authors, unless expressly stated otherwise. You may view content for personal, non-commercial informational use. You may not copy, scrape, redistribute, or commercially exploit Website content without prior written permission, except as permitted by mandatory law.
6. Acceptable use
You agree not to misuse the Website, attempt unauthorized access to systems or data, interfere with Website operation or security, introduce malware, or use the Website in any manner that is unlawful or harmful to FinTechLab or others.
7. External links
The Website may link to journals, repositories, partners, social networks, or other third-party resources. FinTechLab does not control and is not responsible for external content, policies, or practices. Links do not imply endorsement.
8. Disclaimer of warranties
The Website and its content are provided “as is” and “as available”. To the fullest extent permitted by law, FinTechLab disclaim warranties of accuracy, completeness, merchantability, fitness for a particular purpose, and non-infringement.
9. Limitation of liability
To the fullest extent permitted by applicable law, FinTechLab shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of data, profits, or opportunity arising from your use of, or inability to use, the Website or reliance on its content. Nothing in these Terms excludes liability that cannot be excluded under mandatory law.
10. Privacy
Personal-data handling is described in the Privacy Policy and Personal Data Notice. Those documents form part of the framework governing use of the Website.
11. Changes
We may revise these Terms from time to time. The effective date will be updated accordingly. Continued use of the Website after changes take effect constitutes acceptance of the revised Terms.
12. Governing law
These Terms are governed by the laws of the Russian Federation, without regard to conflict-of-law rules, except where mandatory consumer or other protections of your place of residence apply and cannot be waived.
13. Contact
Questions about these Terms may be sent to legal@ftlab.space.
legal@ftlab.space