Terms and Conditions

Introduction and Acceptance of Terms

BY ACCESSING OR USING THE DIGITAL PLATFORMS (AS DEFINED BELOW), YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS (THE "TERMS"), INCLUDING THE ARBITRATION PROVISIONS AND DISCLAIMERS SET OUT HEREIN. THESE TERMS PROVIDE THAT DISPUTES BETWEEN YOU AND STIMA WILL BE RESOLVED THROUGH BINDING INDIVIDUAL ARBITRATION, EXCEPT AS OTHERWISE EXPRESSLY PROVIDED HEREIN, AND THAT YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION OR CLASS-WIDE ARBITRATION.

BY ACCESSING OR USING THE DIGITAL PLATFORMS, YOU CONFIRM THAT YOU WILL COMPLY WITH THESE TERMS, OUR PRIVACY POLICY, AND ALL APPLICABLE LAWS, RULES, AND REGULATIONS, AND THAT YOU HAVE THE LEGAL CAPACITY TO ENTER INTO A BINDING AGREEMENT.

If you do not agree to these Terms and our Privacy Policy, you must not access or use the Digital Platforms.

These Terms constitute an agreement between you and STIMA (hereinafter referred to as "STIMA", "we", "us", or "our"). Together with any documents incorporated herein by reference, they govern your access to and use of the STIMA website at https://stima.io and any other STIMA website on which these Terms are published (each, a "STIMA Website"), as well as STIMA applications for mobile devices and tablets (collectively, the "Digital Platforms").

Certain areas, services, or features of the Digital Platforms may be subject to additional terms and conditions, which will be made available in connection with the relevant area, service, or feature.

STIMA's sales, shipments, and purchases are governed by the applicable terms and conditions published on https://stima.io.

We reserve the right to amend these Terms from time to time by publishing an updated version on the STIMA Websites. It is your responsibility to review these Terms periodically. The date of the latest revision will be indicated in the "Last Updated" notice at the top of this page.

IF YOU DO NOT AGREE TO THE CURRENT VERSION OF THESE TERMS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO STOP ACCESSING AND USING THE DIGITAL PLATFORMS.

1. Electronic Communications

When you access or use the Digital Platforms, provide your email address to a STIMA representative, or send us an email, you are communicating with us electronically.

By doing so, you consent to receive communications from us in electronic form. We may communicate with you by email or by posting notices on the Digital Platforms.

You agree that all agreements, notices, disclosures, and other communications provided to you electronically satisfy any legal requirement that such communications be made in writing.

2. Content

All rights, title, and interest in and to the Content available through the Digital Platforms are owned by STIMA or used with the permission of the respective rights holders and are protected by applicable laws.

You acknowledge that all Content posted, transmitted, or otherwise made available through the Service is the sole responsibility of the person from whom such Content originated. You are entirely responsible for every item of Content that you post or otherwise make available through the Service.

STIMA does not control and is not responsible for Content made available through the Service. By using the Service, you may be exposed to Content that is offensive, indecent, inaccurate, misleading, or otherwise objectionable.

STIMA does not guarantee the confidentiality or privacy of communications or interactions you may have with other users through the Digital Platforms.

The STIMA Websites and Content available through the Service may contain links to third-party websites that are independent of STIMA. Accessing such websites is at your own risk. STIMA assumes no responsibility for third-party websites, their content, or their practices. Such websites may have privacy policies and terms of use that differ from those of STIMA.

You acknowledge that you are solely responsible for evaluating and assuming all risks associated with your use of any Content. STIMA shall not be liable for any Content or for any loss or damage arising from your use of or reliance on Content made available through the Service.

STIMA does not pre-screen or approve Content. However, we reserve the right, without any obligation to do so, to refuse, remove, or relocate any Content that violates these Terms or our Privacy Policy, or for any other reason at our sole discretion.

3. Third-Party Content, Websites, and Services

The Digital Platforms and Content available through the Service may contain features and functionality that link to or provide access to third-party content, websites, products, or services that are independent of STIMA.

Your interactions with individuals or entities you encounter through the Service, including any payment for or delivery of goods or services and any related terms, conditions, warranties, or representations, are solely between you and those third parties.

You should conduct any investigation you consider necessary or appropriate before entering into any online or offline transaction with a third party. We encourage you to exercise caution when interacting with other individuals or legal entities.

STIMA shall not be liable for any loss or damage arising from such interactions or transactions.

In the event of a dispute between users of the Digital Platforms, or between a user and any third party, STIMA has no obligation to become involved.

To the extent permitted by applicable law, you agree to release and hold STIMA harmless from any claims, demands, and damages arising out of or connected with such disputes or your use of the Service.

4. Limited License

Subject to these Terms and the restrictions set forth herein, STIMA grants you a limited, non-exclusive, non-transferable, and revocable license to access and use the Digital Platforms for personal, non-commercial purposes, including to:

(a) access and view Content available through the Digital Platforms on your computer or any other internet-compatible device, including mobile devices and tablets;

(b) make individual copies or printouts of Content available through the Digital Platforms for personal use; and

(c) make offers or place orders, where applicable, for products offered for sale or at auction through the Digital Platforms.

The Digital Platforms and all services offered through them, including Content, software, code, data, and other materials, are intended for personal, non-commercial use only, unless expressly authorized otherwise by STIMA.

The Digital Platforms are not intended for children under the age of 13 and may only be used by individuals aged 13 or older.

5. Prohibited Uses

Any commercial distribution, publication, use, or exploitation of the Digital Platforms or any of their components, including Content, software, code, data, and materials, is strictly prohibited unless expressly authorized in writing by STIMA or the relevant rights holder.

Except as expressly permitted by these Terms, you may not:

(i) download, publish, perform, display, distribute, copy, imitate, mirror, reproduce, transmit, modify, adapt, create derivative works from, transfer, sell, license, rent, or otherwise exploit or make commercial use of the Digital Platforms or any of their components;

(ii) translate, reverse engineer, decompile, decipher, disassemble, or otherwise attempt to convert the Digital Platforms or any of their components into human-readable form where they are not intended to be read in that form. This includes accessing or displaying the underlying HTML or other source code, except as interpreted and displayed by a web browser.

As a condition of accessing and using the Digital Platforms, you agree not to use them or any of their components for any unlawful, unauthorized, or prohibited purpose, including commercial activities such as fundraising, advertising, promoting products or services, pyramid schemes, or other enterprises, unless expressly authorized by STIMA.

You also agree to comply with all applicable local, national, and international laws, regulations, and rules, and not to access or use the Digital Platforms from any jurisdiction where such access or use is unlawful or unauthorized.

Without limiting the foregoing, you agree not to:

(a) impersonate any person or entity, whether real or fictional, or misrepresent your affiliation with any person or entity;

(b) disclose another person's personal information, including their name, address, telephone number, email address, payment card information, or any other information that could be used to identify, contact, or impersonate that person, without proper authorization;

(c) insert your own or third-party advertising, branding, or promotional content into any services, Content, features, information, materials, or products available through the Digital Platforms, or use such Content or services for unauthorized commercial or promotional purposes;

(d) engage in data mining, spidering, screen scraping, database scraping, catalog information collection, or the automated collection of email addresses, IP addresses, contact details, or other personal information through the Digital Platforms;

(e) obtain or attempt to obtain unauthorized access to computer systems, materials, or information that STIMA has not intentionally made publicly available, including through password extraction or other unauthorized methods;

(f) use the Digital Platforms or any services, Content, features, information, materials, or products available through them in violation of STIMA's or any third party's intellectual property, proprietary, or other legal rights;

(g) frame or link to the Digital Platforms without our express written permission, except as otherwise expressly permitted under Section 16;

(h) use the Digital Platforms or any services, Content, features, information, materials, or products available through them for money laundering, bid manipulation, price fixing, unlawful collusion, or the unauthorized reporting or exchange of competitive data or information;

(i) engage in any activity that may damage, disable, overload, or compromise the Digital Platforms or the IT, storage, or communications infrastructure of STIMA or its third-party service providers, or interfere with other users' access to or enjoyment of the Digital Platforms;

(j) use or distribute software viruses or any other code, files, or programs designed to interrupt, damage, limit, or interfere with the proper functioning of software, hardware, or network systems, or to gain unauthorized access to any system, data, or information belonging to STIMA or third parties;

(k) attempt, encourage, or allow any other person to engage in any of the prohibited activities described above, or otherwise interfere with the Digital Platforms or any services, Content, features, information, materials, or products available through them.

6. Suspected Infringement

If you believe that your work has been copied in a way that constitutes copyright infringement, or that your proprietary or intellectual property rights have otherwise been violated, please notify STIMA through our customer service channels.

Your notification should include sufficient information to enable STIMA to identify the material in question, a description of the alleged infringement, and your contact details.

7. Trademarks and Brand Names

All trademarks, logos, service marks, and trade names (collectively, the "Trademarks") displayed on or in connection with the Digital Platforms or any Content available through them are the property of STIMA, its affiliates, licensees, partners, or other respective rights holders.

The Trademarks may not be used in any manner without the prior express written consent of STIMA or the relevant trademark owner.

8. User Information and Accounts

In the course of using the Digital Platforms, you may be asked to provide certain personal information ("User Information"), including when registering an account.

Our policies regarding the collection, use, and protection of User Information are described in the STIMA Privacy Policy, which is incorporated into these Terms by reference.

We do not knowingly collect personally identifiable information from children under the age of 13.

IF YOU ARE UNDER THE AGE OF 13, YOU MUST NOT ACCESS OR USE THE DIGITAL PLATFORMS.

You acknowledge that you are solely responsible for the accuracy and completeness of the User Information you provide and agree to keep it up to date.

You may register an account on the STIMA Websites. We reserve the right to refuse any account registration request or cancel an account at our sole discretion, subject to applicable law.

Your account is personal to you. You may not share your account credentials with third parties or allow others to access your account.

You are solely responsible for maintaining the confidentiality of your login credentials and other account information, and for all activities carried out through your account, including any Content published or transmitted using the Digital Platforms.

You agree to take all reasonable steps to prevent unauthorized access to or use of your account and to protect your username, password, and any device used to access your account.

You must notify STIMA immediately if you become aware of any unauthorized use of your account or any other security breach.

To the extent permitted by applicable law, you are responsible for losses incurred by STIMA or third parties as a result of unauthorized use of your account due to your failure to protect your credentials.

9. User Content

YOU RETAIN OWNERSHIP OF YOUR USER CONTENT, INCLUDING PHOTOGRAPHS AND OTHER MATERIALS YOU UPLOAD TO THE DIGITAL PLATFORMS, SUBJECT TO THE LICENSE GRANTED TO STIMA BELOW.

The Service allows you to upload and publish photographs, written text, images, web links, location information, and other materials (collectively, "User Content").

You or your respective licensors retain ownership of your User Content. STIMA does not claim ownership of User Content solely because you upload or publish it through the Service.

By uploading or otherwise making User Content available through the Service, you grant STIMA a worldwide, non-exclusive, royalty-free license, with the right to sublicense, to host, store, transfer, display, perform, reproduce, modify, adapt, translate, and distribute your User Content, in whole or in part, in any multimedia format and through any media channel, whether currently known or developed in the future.

You acknowledge that STIMA may make your User Content available to other users and that such users may be able to access, download, or use it, as permitted by the Service.

Unless otherwise agreed in writing, STIMA is not required to pay you compensation for the use of your User Content under this license.

To the extent permitted by applicable law, you authorize STIMA to take appropriate action to enforce the rights granted under this Section in relation to unauthorized use of your User Content by third parties, including the enforcement of applicable sublicenses.

You are solely responsible for your User Content and for any consequences arising from uploading or publishing it through the Service.

Whenever you upload or publish User Content, you represent and warrant that:

(a) you are the creator and owner of the User Content or have obtained all rights, permissions, and authorizations necessary to use it and to grant the rights set out in this Section;

(b) your User Content, and its use by you, STIMA, or other users as permitted under these Terms, does not and will not infringe or misappropriate any third-party rights, including copyrights, other intellectual property rights, privacy rights, publicity rights, or moral rights; and

(c) your User Content does not contain unlawful, defamatory, or otherwise prohibited material.

You must obtain all necessary permissions from third parties before uploading or publishing any User Content in which they hold rights.

STIMA cannot reasonably monitor all User Content uploaded or published through the Service and has no general obligation to monitor, modify, or control User Content submitted by users.

Accordingly, STIMA is not responsible for User Content submitted by you or other users, to the extent permitted by applicable law.

However, STIMA reserves the right, without prior notice, to review, remove, edit, restrict, or block any User Content at any time and for any reason, including where we believe that it violates these Terms or is otherwise inappropriate.

You acknowledge that you may encounter User Content submitted by other users that is offensive, inaccurate, or indecent.

STIMA may investigate complaints concerning User Content and determine, at its sole discretion, what action, if any, should be taken.

10. Materials Submitted to STIMA

Unless specifically requested by STIMA, we do not solicit or wish to receive confidential, secret, or proprietary information or other materials from you through the Digital Platforms, by email, or by any other means.

Any information, creative work, demonstrations, ideas, suggestions, feedback, concepts, methods, systems, projects, plans, techniques, or other materials submitted or sent to us (collectively, "Submissions") will not be treated as confidential or proprietary.

Subject to applicable law and our Privacy Policy, STIMA may use Submissions for any purpose, including commercial purposes, without compensation to you or any other person.

By submitting or sending materials to STIMA, you represent and warrant that:

(a) the Submissions are original to you or that you have all necessary rights and permissions to provide them to STIMA;

(b) no third party holds rights that would prevent STIMA from using the Submissions as permitted under this Section; and

(c) the Submissions do not infringe any third-party rights.

To the extent permitted by applicable law, you assign to STIMA all rights, title, and interest in the Submissions and waive any rights that cannot be assigned, including moral rights, where such waiver is legally permissible.

STIMA has no obligation to retain any Submissions and may delete or destroy them at any time, subject to applicable legal requirements.

11. Mining Process

The only way to submit a mining request is through the STIMA web portal by completing the dedicated form.

You are solely responsible for the accuracy, completeness, and legality of all information and materials submitted in connection with a mining request.

By submitting a request, you represent and warrant that:

(a) you are the owner of the relevant object or are duly authorized to represent its owner;

(b) the wallet to which the tokens will be credited belongs to you or to the owner you represent;

(c) the photographs submitted are recent, accurately represent the object, and show it in its entirety without intentionally omitting any relevant details;

(d) all information provided is true, accurate, and complete;

(e) the provenance of the object is clear and lawful; and

(f) the value indicated for the object reasonably reflects its actual and/or market value.

STIMA is not obligated to pre-screen, verify, or approve the information submitted. However, STIMA reserves the right, at its sole discretion, to refuse, reject, remove, or modify any proposed object.

STIMA will credit the wallet indicated in the request with the corresponding STIMA tokens in blocked form, withholding 10% of the tokens issued as a commission for the services provided.

STIMA reserves the right, at its sole discretion, to burn tokens if it determines that the value declared by the user does not correspond to the actual or reasonably assessed value of the object.

You acknowledge that you are solely responsible for any losses incurred by STIMA or third parties as a result of false, inaccurate, or misleading information provided by you.

12. Unlocking Tokens

To unlock STIMA tokens, the relevant object must be deposited at the vault designated by STIMA.

Upon delivery of the object, an appraisal and condition report will be carried out.

STIMA is under no obligation to accept the object. Following the appraisal, STIMA reserves the right, at its discretion, to burn the relevant tokens or credit tokens, as applicable, if the object's value is reassessed.

The token unlocking process is subject to a separate agreement. For further information, please contact STIMA.

13. Copyright Agent

STIMA respects the intellectual property rights of others and requires all users of the Digital Platforms to do the same.

If you believe that your work has been copied in a way that constitutes copyright infringement, please submit a notice to STIMA containing the following information:

(a) your address, telephone number, and email address;

(b) a description of the copyrighted work that you believe has been infringed;

(c) a description of where the allegedly infringing material is located on the Digital Platforms;

(d) a statement that you have a good-faith belief that the disputed use is not authorized by the copyright owner, its representative, or applicable law;

(e) an electronic or physical signature of the person authorized to act on behalf of the copyright owner; and

(f) a statement, made under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or are authorized to act on the copyright owner's behalf.

14. Prohibited Content and Abuse of STIMA

To maintain a safe and appropriate environment, you agree not to post, email, upload, transmit, or otherwise make available through the Digital Platforms any Content that:

(a) is illegal, harmful, threatening, abusive, offensive, harassing, invasive of another person's privacy, or harmful to minors;

(b) is pornographic or depicts actual sexual conduct;

(c) harasses, degrades, intimidates, or incites hatred against any individual or group on the basis of political orientation, religion, gender, sexual orientation, race, ethnicity, age, or disability;

(d) impersonates any person or entity or falsely represents your affiliation with any person or entity;

(e) contains personally identifiable or private information about another person without that person's explicit consent or other lawful basis;

(f) is false, deceptive, misleading, or fraudulent;

(g) infringes any intellectual property right or contains material that you are not legally or contractually entitled to make available;

(h) constitutes affiliate marketing, junk mail, spam, phishing, chain letters, pyramid schemes, or unsolicited commercial advertising;

(i) advertises illegal services or offers items for sale where such sale is prohibited or restricted by applicable law;

(j) contains viruses or any other code, file, or program designed to interrupt, destroy, or limit the functionality of telecommunications, software, hardware, or other equipment;

(k) disrupts the normal operation of the Service, including through excessive posting, flooding, or other activities that negatively affect other users;

(l) uses misleading email addresses, forged headers, or manipulated identifiers to disguise the origin of Content transmitted through the Service; or

(m) violates any applicable confidentiality agreement or other legal obligation.

You also agree not to:

(a) engage in conduct that restricts or interferes with another person's use or enjoyment of the Service;

(b) contact anyone who has requested not to be contacted, initiate unsolicited contact for commercial purposes, or stalk, harass, or intimidate any person;

(c) collect personal data about other users for commercial or unlawful purposes;

(d) alter, delete, interfere with, or otherwise damage any part of STIMA or the Digital Platforms;

(e) use automated means to download or extract data from the Service, unless expressly authorized by STIMA;

(f) use publishing agents, third-party agents, services, or intermediaries to publish Articles on behalf of others, unless expressly approved by STIMA; or

(g) attempt to gain unauthorized access to STIMA's computer systems or engage in any activity that disrupts, degrades, interferes with, or compromises the functionality or performance of the STIMA Service or website.

More generally, you agree to refrain from any action that:

(i) interferes with, damages, or exploits STIMA's business;

(ii) imposes a disproportionate load on STIMA's infrastructure;

(iii) is carried out for the benefit of a competing business in an unauthorized manner;

(iv) constitutes unauthorized use of the Digital Platforms or violates these Terms or the Privacy Policy;

(v) removes, alters, or obscures copyright notices, trademarks, names, logos, URLs, Content, or other identifying information; or

(vi) violates applicable laws or regulations.

15. Your Access to the Service

STIMA grants you a limited, revocable, non-exclusive, and non-transferable license to access and use the Service for personal purposes, subject to these Terms.

This license does not permit you to collect, aggregate, copy, duplicate, display, or create derivative works from the Service, or to use data collection, extraction, or scraping tools for any purpose, unless expressly authorized by STIMA.

16. Links to the Digital Platforms

If you link to the Digital Platforms from another website, you agree that:

(a) the link must not include STIMA logos or other Trademarks and must refer to "STIMA" in plain text only;

(b) the link must open in a new browser window; and

(c) the link must direct users to the full HTML version of the relevant page of the Digital Platforms.

You may not link directly to images hosted on the Digital Platforms or use inline linking methods to display images hosted by STIMA on another website.

Direct links to videos hosted on the Digital Platforms are permitted only if appropriate credit is given to STIMA and the videos are not altered in any way.

You may not download or use images hosted on the Digital Platforms on another website for any purpose, including publication on that website.

You may not link to the Digital Platforms in a manner that frames, surrounds, or obscures the Digital Platforms or any of their pages with third-party content, materials, or Trademarks.

STIMA reserves the right to require the termination of any link to the Digital Platforms and to revoke permission to link to the Digital Platforms at any time by written notice.

For further information about our linking policy or to request permission, please contact STIMA.

17. Service Limitations

You acknowledge that STIMA may establish limitations on the use of the Service, including limits on:

• The period for which Content is stored;
• The number and size of posts;
• The number and size of email messages or other Content that may be transmitted or stored; and
• The frequency with which the Service may be accessed.

STIMA is not responsible for the deletion, loss, or failure to store any Content maintained or transmitted through the Service, to the extent permitted by applicable law.

STIMA reserves the right to modify, suspend, or discontinue the Service, or any part thereof, at any time, with or without notice.

To the extent permitted by applicable law, STIMA shall not be liable to you or any third party for any modification, suspension, or interruption of the Service.

18. Suspension and Termination

STIMA reserves the right, at its sole discretion and subject to applicable law, to delete or deactivate your account, block your email address or IP address, terminate or restrict your access to the Service or any part thereof, and remove or discard Content stored through the Service.

Such action may be taken immediately and without prior notice where STIMA reasonably believes that you have violated these Terms or the Privacy Policy, or where otherwise necessary to protect STIMA, other users, or the Digital Platforms.

19. Indemnification

To the extent permitted by applicable law, you agree to indemnify, defend, and hold harmless STIMA and, where applicable, its affiliates, officers, directors, employees, representatives, and associated natural or legal persons from and against any claims, demands, liabilities, losses, damages, costs, and expenses, including reasonable legal fees and court costs, arising out of or relating to:

(a) any Content you post, publish, or otherwise make available through the Service;

(b) your use of the Service;

(c) your violation of these Terms or the Privacy Policy;

(d) your breach of any representation or warranty made under these Terms; or

(e) your violation of applicable laws or the rights of any third party.

20. Orders for Products and Services

STIMA may make certain products and services available for purchase through the Digital Platforms to visitors and registered users, including, for example, products listed in our auction catalog.

Certain products or services that you bid on, purchase, or download through the Digital Platforms may be subject to additional terms and conditions. Any such additional terms will be presented to you at the time of the relevant offer, purchase, or download.

21. Ownership Rights in the Service and Content

All Content displayed on or made available through the Service is protected by copyright, trademark laws, and applicable international conventions.

Any reproduction, modification, creation of derivative works, or redistribution of the Digital Platforms or their Content is prohibited without the prior express written consent of STIMA or the relevant rights holder.

You may not use any means to attempt to discover or access source code contained in the Service, except as expressly permitted by applicable law.

STIMA does not claim ownership of User Content submitted by users. However, by posting Content in any public area of the Service, you grant STIMA the license described in Section 9 of these Terms.

You also agree not to aggregate, display, copy, duplicate, reproduce, or otherwise exploit Content made available through the Service without the prior authorization of STIMA or the relevant rights holder.

Neither you nor anyone acting on your behalf may modify, republish, copy, transmit, or distribute the STIMA Websites or their Content for commercial purposes, to create derivative works, or for public display, except as expressly permitted under these Terms.

Nothing in these Terms or on the STIMA Websites grants you any license or rights to STIMA's intellectual property or the intellectual property of third parties, except for the limited rights expressly granted herein.

You may not use, modify, adapt, reverse engineer, or otherwise exploit any Content, including Articles, in whole or in part, except as expressly permitted under these Terms or applicable law.

STIMA reserves the right, but has no obligation, to enforce its intellectual property and other legal rights to the fullest extent permitted by law, including by seeking damages, injunctive relief, and recovery of reasonable legal fees and costs.

All rights not expressly granted under these Terms are reserved.

22. Disclaimer of Warranties

YOUR USE OF THE STIMA WEBSITES AND THE SERVICE IS AT YOUR OWN RISK.

THE DIGITAL PLATFORMS AND THE SERVICE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW.

STIMA DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AVAILABILITY, SECURITY, RELIABILITY, ACCURACY, AND PERFORMANCE.

STIMA DOES NOT WARRANT THAT THE DIGITAL PLATFORMS WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS.

STIMA ALSO DISCLAIMS ANY WARRANTIES RELATING TO THIRD-PARTY SERVICES, GOODS, OR PRODUCTS RECEIVED THROUGH OR ADVERTISED on the Digital Platforms, or accessed through links available on the STIMA Websites.

Nothing in these Terms excludes or limits any warranty or consumer right that cannot lawfully be excluded or limited under applicable law.

23. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, STIMA SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR ACCESS TO OR USE OF, OR INABILITY TO ACCESS OR USE, THE STIMA WEBSITES OR THE SERVICE.

THIS LIMITATION ALSO APPLIES TO DAMAGES ARISING FROM THIRD-PARTY SERVICES OR PRODUCTS RECEIVED THROUGH OR ADVERTISED IN CONNECTION WITH THE DIGITAL PLATFORMS, OR FROM LINKS AVAILABLE ON THE STIMA WEBSITES.

Nothing in these Terms shall exclude or limit liability that cannot be excluded or limited under applicable law.

24. Local Laws and Regulations

STIMA does not represent or warrant that the Digital Platforms or any Content, materials, information, features, or products available through them are appropriate or available for use in all locations.

Individuals who choose to access the Digital Platforms do so on their own initiative and are responsible for complying with all applicable local laws and regulations.

25. Governing Law and Dispute Resolution

These Terms, the Privacy Policy, and the relationship between you and STIMA shall be governed by and construed in accordance with the substantive laws of the Republic of San Marino.

Any dispute, controversy, or claim arising out of or in connection with these Terms, including their interpretation, performance, breach, termination, or validity, shall be submitted to arbitration under the San Marino Arbitration Rules in force on the date the arbitration proceedings are commenced.

The arbitration shall be conducted in accordance with the applicable rules and procedures of the relevant arbitration institution.

If any provision of these Terms is held to be invalid, unlawful, or unenforceable by a court or competent authority, the remaining provisions shall remain in full force and effect.

Where possible, the invalid or unenforceable provision shall be interpreted or modified to reflect the original intention of the parties to the fullest extent permitted by law.

To the extent permitted by applicable law, any claim or cause of action arising out of or relating to your use of the Service or these Terms must be brought within one (1) year after the claim or cause of action arises.

26. Reporting Violations

Please report any suspected violation of these Terms or our Privacy Policy to STIMA through the contact channels available on the STIMA Website.

27. Further Information and Inquiries