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Terms of Use

Terms of Use of Website and Content

The terms and conditions (“Terms”) specified herein constitute an agreement between Pecunica LLC (“Pecunica”) and you (the “User”) and govern use of the WebsiteThese Terms represent the entire understanding relating to the use of the Website and prevail over any prior or contemporaneous communication between the Pecunica and the User.

These Terms are to be read together with any terms, conditions or disclaimers provided on any of the individual pages of the Website, including Privacy Policy.  In the event of any conflict, the terms provided on the relevant page of the Website shall govern.

Each Users of the Website ( accepts and agrees to be bound by and comply with the Terms. Otherwise, use of this Website is prohibited.


Agreement” means this Agreement constituted by the Terms specified herein.

Content” means the Knowledge Points, Glossary entries, Materials, graphic images, data or third-party information in any form whatsoever provided on this Website, including these Terms.

Content Provider” is a provider of Content, be it Pecunica or a third party.

Customer” means a User who enters into any transaction with Pecunica either for himself/herself on behalf of someone else, to whom the invoice for the transaction shall be addressed and to whom the relevant terms and condition of the transaction apply.

Glossary” means the compilation of the terms, definitions, abbreviations, synonyms and associated information on the Website.

Knowledge Point” means any article or post located in the Knowledge Base of the Website.

Material” means any document, including but not limited to graphic images, provided on the Website.

Pecunica” is Pecunica LLC and any affiliates and their officers, directors, employees and agents.

Terms” means these general terms and conditions.

Third-Party Content” means any Content on this Site provided by a third party or such Content on Linked Sites that Users may access through this Site.

Third-Party Terms of Use” means the terms of use applicable to any Third-Party Content that Users may access through the Site.

User” means any person who accesses and uses the Website.

Website” (or "Site") is the website and any of its subdomains.


Changes may be made to the Terms at any time without notice, by updating this posting.

Changes may be made to the Content at any time without notice.

Changes may be made to the Website without notice.

The Website may include inaccuracies or typographical errors.

You agree to review the Terms regularly and your continued access or use of the Website shall mean that you agree to any changes.

The Content of the Articles and Glossary is registered and copyrighted with the U.S. Patent Office and Trademark Office. All rights reserved.  Except where otherwise noted, Content on this Site is also licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International license.


Pecunica provides the Website and its Content on an “as is” basis and does not make any express or implied warranties, representations, endorsements or conditions with respect to the Website or the Content, including without limitation, warranties as to merchantability, operation, non-infringement, usefulness, completeness, accuracy, currentness, reliability and fitness for a particular purpose.  Although every reasonable effort is made to present current and accurate information, Pecunica makes no such guarantees of any kind.

The Content of the Website is for information purposes only and is not intended to provide to the User specific financial, investment, tax, legal or accounting advice and should not be relied upon in that regard.  The User shall not act or rely on any Content without seeking the advice of a professional.

Pecunica does not review, monitor, control, endorse, approve or guarantee any Content created by external sources or information contained in links to external websites nor does it endorse any views expressed or products or services offered therein nor is Pecunica responsible for the content of those external sites.  Pecunica is providing these links to the User solely as a convenience.

Pecunica does not represent or warrant that the Website shall meet the requirements of the User, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to the User’s computer system.  The User has sole responsibility for adequate protection and backup of data and/or equipment and to take reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

Unless otherwise explicitly stated, the Content on the Website is provided “as is”.  All express or implied conditions, representations and warranties, including any implied warranty of fitness for a particular purpose, or non-infringement are disclaimed, except to the extent that such disclaimers are held to be legally invalid.

In the event the User is referred to another party by Pecunica at the User’s request, Pecunica gives no warranty or undertaking whatsoever with regard to the professional competency of the person to which the User is referred.

Products provided by third-parties has have not been independently authenticated by Pecunica.

Limitation of Liability

The User accepts that it makes use of the Content provided on the Website and/or Products provided by Pecunica at the User’s own risk.

Pecunica shall not in any event be held responsible or liable to the User or anyone else for any direct, indirect, incidental, special, consequential, exemplary or punitive damages arising out of or in connection with the User’s use of or inability to use the Website or the Content or any action or decision made by the User in reliance on the Website or the Content or any unauthorized use or reproduction of the Website or the Content.

Pecunica shall not in any event be held responsible or liable to the User or anyone else for any direct, indirect, incidental, special, consequential, exemplary or punitive damages arising out of or in connection with the use of or reliance on any content, goods or services available on or through any external sites or resource linked to or from the Website.

The Trial User agrees to hold Pecunica harmless from and undertakes not to sue Pecunica for any claims based on use of the Website.

Any unprotected e-mail communication over the Internet is not confidential, subject to possible interception or loss and subject to possible alteration.  Therefore, Pecunica is not responsible for and shall not be held liable to anyone for any damages in connection with an e-mail sent by the User to or an e-mail sent by Pecunica to the User at the User’s request.

The Customer must comply with all applicable laws and regulations of the country for which the Products are destined.  Pecunica will not be liable for any breach by the Customer of any such laws.

Protection of Intellectual Property Rights

The Content of all of the Articles and the Glossary is registered and copyrighted with the U. S. Patent Office and Trademark Office.  All Rights Reserved.  Unauthorized use and/or duplication of this material without express and written permission from the Content owner is strictly prohibited.  Excerpts and links may be used provided that full and clear credit is given to Pecunica only with appropriate and specific direction to the original content.  Except where otherwise noted, Content on this Site is also licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International license.

All Content is provided by or to Pecunica is the copyrighted work of Pecunica or the Content Provider.  The User shall ensure that no Content be copied, mirrored, photocopied, reproduced, modified, uploaded, distributed or transmitted in any form or by any means, including, but not limited to, electronic, mechanical, photocopying, recording or otherwise, without the prior express written permission of the copyright owner.  Any unauthorized use of the Content is strictly prohibited and constitutes a copyright infringement.  Any User found in breach of this term shall have their account suspended immediately and violation of this term may lead to prosecution.

Nothing on this Website shall be construed as conferring any license or permission under any of the Website’s or any Content Provider’s intellectual property rights, whether by implication, or otherwise.  The User shall acknowledge sole responsibility for obtaining any such permission.

Permission is granted to display and download Materials on this Website provided that: (1) the use of the Materials is solely for personal, non-commercial and informational use and will not be copied or posted on any networked computer or broadcast in any media; and (2) no modifications of any of the Materials are made.  This permission terminates automatically without notice upon breach of any of these Terms by the User. Upon termination, the User will immediately destroy any downloaded and printed Materials.  Any unauthorized use of any Materials contained on this Website may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

Pecunica may, at its sole discretion, remove Materials that it suspects may infringe or otherwise violate intellectual property rights of others.

Access to Linked Sites and Use of Third-Party Content

You acknowledge your understanding and agree that access to any Linked Sites and Third-Party Content is provided to Site Users for information purposes only and made available by Pecunica to Users without cost (free of charge).  You also acknowledge your understanding and agree that Pecunica is not responsible for, and has no obligation to control, monitor or correct Third-Party Content.

While every care has been taken by Pecunica in providing all Content on this Site, such data, information and materials are provided on an “as-is” and “as available” basis without any warranty of any kind whatsoever, either express or implied.  In particular, no warranty regarding accuracy, validity, sequence, timeliness, completeness, continued availability, fitness for a particular purpose, noninfringement, security or freedom from computer virus is given in conjunction with Linked Sites and Third-Party Content.  Pecunica shall not be held liable for any errors or delays in accessing Linked Sites and Third-Party Content or for any actions taken by Users in reliance thereon.

Pecunica does not undertake any duty to update the content on Linked Sites or otherwise advise Users of changes in Third-Party Content.

No Content on the Site is intended to provide professional advice and shall not be relied upon in that regard.  Site Users are advised to obtain appropriate professional advice when necessary.

Users accessing Linked Sites and Third-Party Content are required to inform themselves about and observe the terms of use of the relevant Linked Site and Third-Party Content.  For further information on the accessing and use of Linked Sites and Third-Party Content can be found in our Terms of Use.

Products and services referred to on the Pecunica Site are offered only in jurisdictions where and when they may be lawfully offered by Pecunica.  Site Content is not intended for use by persons located or resident in jurisdictions that restrict the distribution of such content by us.  Persons accessing the Site are required to inform themselves about any relevant restrictions and observe them.

Non-Disclosure of Confidential Information

The User undertakes to treat confidentially any information obtained or received from Pecunica to the extent that at the time of such disclosure such information is not within the public domain.  The User shall not divulge or communicate such confidential information in whole or in part to any unauthorized person other than to those whose province it is to know the same or upon explicit approval of Pecunica and shall use his/her best endeavors to prevent the publication or disclosure of any such confidential information by any other person.  This restriction will cease to apply to information that comes into the public domain – other than through the User's breach of the Terms – and will continue indefinitely


Any information obtained from the User when communicating with Pecunica or otherwise is stored by Pecunica.  This information is collected solely for the purposes of communicating with the User, processing registrations, creating and maintaining user records, keeping Users informed of upcoming events and products, and assisting Pecunica in improving services.  Under no circumstances shall this confidential information be passed by Pecunica to a third party, except with the explicit approval of the User or as may be required by law, court order or governmental regulation or if such disclosure is otherwise necessary in support of any criminal or other legal investigation or proceeding.

See Privacy Policy for detailed information on Our privacy policy.

Governing Law

This Agreement between Pecunica and the User shall be governed and construed in accordance with the laws applicable to Pecunica LLC.

© 2015-2020 Pecunica LLC.  All rights reserved.