1. Acceptance of Terms

By accessing and using the Spectrum Financial website or any of its services, you agree to be bound by these Terms and Conditions, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this Site. The materials contained on this Site are protected by applicable copyright and trademark law.

2. Use License

Permission is granted to temporarily download one copy of the materials (information or software) on Spectrum Financial’s Site for personal, non-commercial, transitory viewing only. This is the grant of a license, not a transfer of title. Under this license, you may not:

• Modify or copy the materials;

• Use the materials for any commercial purpose, or for any public display (commercial or non-commercial);

• Attempt to decompile or reverse engineer any software contained on Spectrum Financial’s Site;

• Remove any copyright or other proprietary notations from the materials; or

• Transfer the materials to another person or “mirror” the materials on any other server.

This license shall automatically terminate if you violate any of these restrictions and may be terminated by Spectrum Financial at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession, whether in electronic or printed format.

3. Disclaimer

The materials on Spectrum Financial’s Site are provided on an ‘as is’ basis. Spectrum Financial makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

Further, Spectrum Financial does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Site or otherwise relating to such materials or on any sites linked to this Site.

4. Limitations

In no event shall Spectrum Financial or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Spectrum Financial’s Site, even if Spectrum Financial or a Spectrum Financial authorized representative has been notified orally or in writing of the possibility of such damage.

5. Revisions and Errata

The materials appearing on Spectrum Financial’s Site could include technical, typographical, or photographic errors. Spectrum Financial does not warrant that any of the materials on its Site are accurate, complete, or current. Spectrum Financial may make changes to the materials contained on its Site at any time without notice. However, Spectrum Financial does not make any commitment to update the materials.

6. Refund Policy

We offer a 30-day refund policy. If you are not satisfied with our services, you may request a refund within 30 days of your purchase. Please contact us via phone, chat, or email to initiate the refund process.

7. Governing Law

Any claim relating to Spectrum Financial’s Site shall be governed by the laws of the Netherlands without regard to its conflict of law provisions.

8. Contact Information

If you have any questions or concerns regarding these terms and conditions, please contact us via:

• Phone: [Your Contact Number]

• Chat: [Website Chat Feature]

• Email: [Your Contact Email]

Thank you for using Spectrum Financial. Your trust and compliance with our terms are highly appreciated.