TERMS AND CONDITIONS as of January 1st 2017

General:
This document governs your relationship with www.digipmo.com (“Website”). This Website is owned and operated by PGM Advisory Limited.  Access to and use of this Website and the products and services available through this Website (collectively, the “Services”) are subject to the following terms, conditions and notices (the “Terms of Service”). By using the Services, you are agreeing to all of the Terms of Service, as may be updated by us from time to time. You should check this page regularly to take notice of any changes we may have made to the Terms of Service.
Access to this Website is permitted on a temporary basis, and we reserve the right to withdraw or amend the Services without notice. We will not be liable if for any reason this Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts or this entire Website.
This Website may contain links to other websites (the “Linked Sites”), which are not operated by www.digipmo.com. www.digipmo.com has no control over the Linked Sites and accepts no responsibility for them or for any loss or damage that may arise from your use of them. Your use of the Linked Sites will be subject to the terms of use and service contained within each such site.

Privacy Policy:
Our privacy policy sets the use of your information.
– No one below 18 is authorized to enter any personal information on this website; should we understand that any person below 18 has registered or ordered through this website we will immediately suppress any information related to this person.
– This Website can be used anonymously, unless you use the Contact form to contact us. In this case, you will be invited to supply us with your email address, your name, and your message. We will keep record of this information. The information you have provided to us are confidential and protected. You will be able to see and amend the information you have provided to us at any time by contact us using the same form.

Cookies:
a) A cookie is a small text file containing information which can be placed on your computer’s hard drive.
b) We may use cookies to help identify you when you visit our website
c) You have the right to refuse cookies to be placed on your hard drive. Information on deleting or controlling cookies is available at www.aboutcookies.org
d) If you prevent us from placing cookies on your computer, you will still be able to us this website
e) You will be able to visit our website without providing any personal information.
f) In any case, cookies will not store personal information about you.
Any change to this policy will be posted here.

Prohibitions:
You must not misuse this Website. You will not: commit or encourage a criminal offense; transmit or distribute a virus, Trojan, worm, logic bomb or any other material which is malicious, technologically harmful, in breach of confidence or in any way offensive or obscene; hack into any aspect of the Service; corrupt data; cause annoyance to other users; infringe upon the rights of any other person’s proprietary rights; send any unsolicited advertising or promotional material, commonly referred to as “spam”; or attempt to affect the performance or functionality of any computer facilities of or accessed through this Website. Breaching this provision would constitute a criminal offense and PGM Advisory Limited will report any such breach to the relevant law enforcement authorities and disclose your identity to them.
We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of this Website, or on any website linked to it.

Intellectual Property, Software and Content:
The intellectual property rights in all software and content (including photographic images) made available to you on or through this Website remains the property of www.digipmo.com or its licensors and are protected by copyright laws and treaties around the world. All such rights are reserved by www.digipmo.com and its licensors. You may store, print and display the content supplied solely for your own personal use. You are not permitted to publish, manipulate, distribute or otherwise reproduce, in any format, any of the content or copies of the content supplied to you or which appears on this Website nor may you use any such content in connection with any business or commercial enterprise.

Disclaimer of Liability:
The material displayed on this Website is provided without any guarantees, conditions or warranties as to its accuracy. Unless expressly stated to the contrary to the fullest extent permitted by law www.digipmo.com and its suppliers, content providers and advertisers hereby expressly exclude all conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity and shall not be liable for any damages whatsoever, including but without limitation to any direct, indirect, special, consequential, punitive or incidental damages, or damages for loss of use, profits, data or other intangibles, damage to goodwill or reputation, or the cost of procurement of substitute goods and services, arising out of or related to the use, inability to use, performance or failures of this Website or the Linked Sites and any materials posted thereon, irrespective of whether such damages were foreseeable or arise in contract, tort, equity, restitution, by statute, at common law or otherwise.

Linking to this Website:
You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. You must not establish a link from any website that is not owned by you. This Website must not be framed on any other site, nor may you create a link to any part of this Website other than the home page. We reserve the right to withdraw linking permission without notice.
Disclaimer as to ownership of trademarks, images of personalities and third party copyright:
Except where expressly stated to the contrary all persons (including their names and images), third party trademarks and content, services and/or locations featured on this Website are in no way associated, linked or affiliated with www.digipmo and you should not rely on the existence of such a connection or affiliation. Any trade marks/names featured on this Website are owned by the respective trade mark owners. Where a trade mark or brand name is referred to it is used solely to describe or identify the products and services and is in no way an assertion that such products or services are endorsed by or connected to www.digipmo.com

Pricing and payment:
Unless otherwise specified, prices expressed on this Website are expressed in European Euros (€) without applicable taxes. Prices are subject to revision, with a one-month period of notice (or less should the change in pricing be beneficial for the customer). Changes in pricing will be communicated on this website. Applicable taxes are borne by the customer. Should customer payment not be received in due course, PGM Advisory reserves the right to interrupt the service without notice. In the latter case, amounts due by customer will remain due. The customer may choose to stop his subscription at any time, in this case he just notifies PGM Advisory by email at address contact@digipmo.com. The last invoice will be issued by PGM Advisory at the end of the month of the date of reception of termination notice.

Respect of applicable laws:
The customer using this Website or the related application “digipmo” must make sure his use of the Website and digipmo is respectful of all applicable laws, conventions, regulatory texts applicable on his territory, including but not limited to data privacy.

Indemnity:
You agree to indemnify, defend and hold harmless www.digipmo.com, its directors, officers, employees, consultants, agents, and affiliates, from any and all third party claims, liability, damages and/or costs (including, but not limited to, legal fees) arising from your use this Website or your breach of the Terms of Service.

Variation:
www.digipmo.com shall have the right in its absolute discretion at any time and without notice to amend, remove or vary the Services and/or any page of this Website.

Invalidity:
If any part of the Terms of Service is unenforceable (including any provision in which we exclude our liability to you) the enforceability of any other part of the Terms of Service will not be affected all other clauses remaining in full force and effect. So far as possible where any clause/sub-clause or part of a clause/sub-clause can be severed to render the remaining part valid, the clause shall be interpreted accordingly. Alternatively, you agree that the clause shall be rectified and interpreted in such a way that closely resembles the original meaning of the clause /sub-clause as is permitted by law.

Complaints:
We operate a complaints handling procedure which we will use to try to resolve disputes when they first arise, please let us know if you have any complaints or comments.

Waiver:
If you breach these conditions and we take no action, we will still be entitled to use our rights and remedies in any other situation where you breach these conditions.

Entire Agreement:
The above Terms of Service constitute the entire agreement of the parties and supersede any and all preceding and contemporaneous agreements between you and www.digipmo.com. Any waiver of any provision of the Terms of Service will be effective only if in writing and signed by a Director of www.digipmo.com.