Terms & Conditions

1. AGREEMENT TO TERMS

These Terms of Use constitute a legally binding agreement made between you, whether personally or on behalf of an entity (“you”) and Tornaado Agency OU (“Company,” “we,” “us,” or “our”), concerning your access to and use of the tornaado-adv.com as well as any other media form, media channel, mobile website or mobile application related, linked, or otherwise connected thereto (collectively, the “Site”). We are registered in Estonia and have our registered office at Harju maakond, Tallinn, Põhja-Tallinna linnaosa, Kopli tn 27, 10412, Estonia. You agree that by accessing the Site, you have read, understood, and agreed to be bound by all of these Terms of Use. IF YOU DO NOT AGREE WITH ALL OF THESE TERMS OF USE, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SITE AND YOU MUST DISCONTINUE USE IMMEDIATELY.

Supplemental terms and conditions or documents that may be posted on the Site from time to time are hereby expressly incorporated herein by reference. We reserve the right, in our sole discretion, to make changes or modifications to these Terms of Use from time to time. We will alert you about any changes by updating the “Last updated” date of these Terms of Use, and you waive any right to receive specific notice of each such change. Please ensure that you check the applicable Terms every time you use our Site so that you understand which Terms apply. You will be subject to, and will be deemed to have been made aware of and to have accepted, the changes in any revised Terms of Use by your continued use of the Site after the date such revised Terms of Use are posted.

The information provided on the Site is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Site from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable.

The Site is intended for users who are at least 18 years old. Persons under the age of 18 are not permitted to use or register for the Site.

2. INTELLECTUAL PROPERTY RIGHTS

Unless otherwise indicated, the Site is our proprietary property and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Site (collectively, the “Content”) and the trademarks, service marks, and logos contained therein (the “Marks”) are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws and various other intellectual property rights and unfair competition laws of the Estonia, international copyright laws, and international conventions. The Content and the Marks are provided on the Site “AS IS” for your information and personal use only. Except as expressly provided in these Terms of Use, no part of the Site and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.

Provided that you are eligible to use the Site, you are granted a limited license to access and use the Site and to download or print a copy of any portion of the Content to which you have properly gained access solely for your personal, non-commercial use. We reserve all rights not expressly granted to you in and to the Site, the Content and the Marks.

3. USER REPRESENTATIONS

By using the Site, you represent and warrant that: (1) all information you submit will be true, accurate, current, and complete; (2) you will maintain the accuracy of such information and promptly update such information as necessary; (3) you have the legal capacity and you agree to comply with these Terms of Use; (4) you are not a minor in the jurisdiction in which you reside; (5) you will not access the Site through automated or non-human means, whether through a bot, script, or otherwise; (6) you will not use the Site for any illegal or unauthorized purpose; and (7) your use of the Site will not violate any applicable law or regulation.

In case you wish to book a service, you may be required to fill in the Contact Us form on the Site. If you provide any information that is untrue, inaccurate, not current, or incomplete, under no circumstances we will be held liable for not providing you with a feedback, or answer any e-mails or requests you have sent in this way.

4. PROHIBITED ACTIVITIES

You may not access or use the Site for any purpose other than that for which we make the Site available. The Site may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us.

As a user of the Site, you agree not to:

  • Systematically retrieve data or other content from the Site to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.
  • Trick, defraud, or mislead us and other users, especially in any attempt to learn any sensitive information.
  • Circumvent, disable, or otherwise interfere with security-related features of the Site, including features that prevent or restrict the use or copying of any Content or enforce limitations on the use of the Site and/or the Content contained therein.
  • Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Site.
  • Use any information obtained from the Site in order to harass, abuse, or harm another person.
  • Make improper use of our support services or submit false reports of abuse or misconduct.
  • Use the Site in a manner inconsistent with any applicable laws or regulations.
  • Engage in unauthorized framing of or linking to the Site.
  • Upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material, including excessive use of capital letters and spamming (continuous posting of repetitive text), that interferes with any party’s uninterrupted use and enjoyment of the Site or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Site.
  • Engage in any automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools.
  • Delete the copyright or other proprietary rights notice from any Content.
  • Attempt to impersonate another person.
  • Upload or transmit (or attempt to upload or to transmit) any material that acts as a passive or active information collection or transmission mechanism, including without limitation, clear graphics interchange formats (“gifs”), 1×1 pixels, web bugs, cookies, or other similar devices (sometimes referred to as “spyware” or “passive collection mechanisms” or “pcms”).
  • Interfere with, disrupt, or create an undue burden on the Site or the networks or services connected to the Site.
  • Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Site to you.
  • Attempt to bypass any measures of the Site designed to prevent or restrict access to the Site, or any portion of the Site.
  • Copy or adapt the Site’s software, including but not limited to Flash, PHP, HTML, JavaScript, or other code.
  • Except as permitted by applicable law, decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Site.
  • Except as may be the result of standard search engine or Internet browser usage, use, launch, develop, or distribute any automated system, including without limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses the Site, or using or launching any unauthorized script or other software.
  • Use a buying agent or purchasing agent to make purchases on the Site.
  • Make any unauthorized use of the Site, including collecting usernames and/or email addresses of users by electronic or other means for the purpose of sending unsolicited email, or creating user accounts by automated means or under false pretenses.
  • Use the Site as part of any effort to compete with us or otherwise use the Site and/or the Content for any revenue-generating endeavor or commercial enterprise.

5. SUBMISSIONS

You acknowledge and agree that any information (“Submissions”) provided by you to us via Contact Us form will be kept confidential. At that we shall be entitled to the unrestricted use and dissemination of these Submissions for any lawful purpose, commercial or otherwise, without acknowledgment or compensation to you. You agree there shall be no recourse against us for any alleged or actual infringement or misappropriation of any proprietary right in your Submissions.

6. ADVERTISERS

We may allow advertisers to display their advertisements and other information in certain areas of the Site, such as sidebar advertisements or banner advertisements. If you are an advertiser, you shall take full responsibility for any advertisements you place on the Site and any services provided on the Site or products sold through those advertisements. Further, as an advertiser, you warrant and represent that you possess all rights and authority to place advertisements on the Site, including, but not limited to, intellectual property rights, publicity rights, and contractual rights. We simply provide the space to place such advertisements, and we have no other relationship with advertisers.

7. SITE MANAGEMENT

We reserve the right, but not the obligation, to: (1) monitor the Site for violations of these Terms of Use; (2) take appropriate legal action against anyone who, in our sole discretion, violates the law or these Terms of Use, including without limitation, reporting such user to law enforcement authorities; (3) in our sole discretion and without limitation, notice, or liability, to remove from the Site or otherwise disable all files and content that are excessive in size or are in any way burdensome to our systems; and (4) otherwise manage the Site in a manner designed to protect our rights and property and to facilitate the proper functioning of the Site.

8. PRIVACY POLICY

We care about data privacy and security. Please review our Privacy Policy: tornaado-adv.com/privacy-policy/. By using the Site, you agree to be bound by our Privacy Policy, which is incorporated into these Terms of Use. Please be advised the Site is hosted in Estonia. If you access the Site from any other region of the world with laws or other requirements governing personal data collection, use, or disclosure that differ from applicable laws in Estonia, then through your continued use of the Site, you are transferring your data to Estonia, and you agree to have your data transferred to and processed in Estonia.

9. COPYRIGHT INFRINGEMENTS

We respect the intellectual property rights of others. If you believe that any material available on or through the Site infringes upon any copyright you own or control, please immediately notify us using the contact information provided below (a “Notification”). Please be advised that pursuant to applicable law you may be held liable for damages if you make material misrepresentations in a Notification. Thus, if you are not sure that material located on or linked to by the Site infringes your copyright, you should consider first contacting an attorney.

10. TERM AND TERMINATION

These Terms of Use shall remain in full force and effect while you use the Site. WITHOUT LIMITING ANY OTHER PROVISION OF THESE TERMS OF USE, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SITE (INCLUDING BLOCKING CERTAIN IP ADDRESSES), TO ANY PERSON FOR ANY REASON OR FOR NO REASON, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE TERMS OF USE OR OF ANY APPLICABLE LAW OR REGULATION.

11. MODIFICATIONS AND INTERRUPTIONS

We reserve the right to change, modify, or remove the contents of the Site at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Site. We also reserve the right to modify or discontinue all or part of the Site without notice at any time. We will not be liable to you or any third party for any modification, suspension, or discontinuance of the Site.

We cannot guarantee the Site will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Site, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Site at any time or for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Site during any downtime or discontinuance of the Site. Nothing in these Terms of Use will be construed to obligate us to maintain and support the Site or to supply any corrections, updates, or releases in connection therewith.

12. GOVERNING LAW

These conditions are governed by and interpreted following the laws of Estonia.

13. DISPUTE RESOLUTION

You agree to irrevocably submit all disputes related to Terms or the relationship established by this Agreement to the jurisdiction of the Estonia courts. Tornaado Agency OU shall also maintain the right to bring proceedings as to the substance of the matter in the courts of the country where you reside or, if these Terms are entered into in the course of your trade or profession, the state of your principal place of business.

14. CORRECTIONS

There may be information on the Site that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Site at any time, without prior notice.

15. DISCLAIMER

THE SITE IS PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SITE AND OUR SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SITE AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SITE’S CONTENT OR THE CONTENT OF ANY WEBSITES THAT MAY BE LINKED TO THE SITE AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE SITE, (3) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SITE, (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SITE BY ANY THIRD PARTY, AND/OR (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SITE. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE THAT MAY BE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SITE, ANY HYPERLINKED WEBSITE, OR ANY WEBSITE OR MOBILE APPLICATION FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND WE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND ANY THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES.

16. INDEMNIFICATION

You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, made by any third party due to or arising out of: (1) your use of the Site; (2) breach of these Terms of Use; (3) any breach of your representations and warranties set forth in these Terms of Use; or (4) your violation of the rights of a third party, including but not limited to intellectual property rights. Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it.

17. USER DATA

We will maintain certain data that you transmit to the Site for the purpose of managing the performance of the Site, as well as data relating to your use of the Site. Although we perform regular routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the Site. You agree that we shall have no liability to you for any loss or corruption of any such data, and you hereby waive any right of action against us arising from any such loss or corruption of such data.

18. ELECTRONIC COMMUNICATIONS

Visiting the Site, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communication be in writing.

19. MISCELLANEOUS

These Terms of Use and any policies or operating rules posted by us on the Site or in respect to the Site constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Terms of Use shall not operate as a waiver of such right or provision. These Terms of Use operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of a provision of these Terms of Use is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Terms of Use and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment or agency relationship created between you and us as a result of these Terms of Use or use of the Site. You agree that these Terms of Use will not be construed against us by virtue of having drafted them. You hereby waive any and all defenses you may have based on the electronic form of these Terms of Use and the lack of signing by the parties hereto to execute these Terms of Use.

We Value Your Privacy

This site uses consent-requiring cookies and third-party technologies to integrate certain features. When you click the "Accept All" button, these features are enabled (consent). After consent is given, we and the involved third-party companies process your personal data for various purposes. Detailed information on purpose, legal basis and third party companies can be found on the Cookie Policy page.

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      Privacy Policy

      Privacy Policy

      As of 10 January 2025

      CRABSI PAYMENTS CORP. (hereinafter referred to as “CRABSI”), a company established under the laws of Canada, is registered at 80 Atlantic Ave, Toronto, Ontario, Canada, M6K1X9 under the registration number 1000491725.

      This Privacy Policy, together with the Terms and Conditions and other material parts thereof, governs the collection, processing, and use of your Personal Data by CRABSI. 

      CRABSI acts as a data controller in accordance with this Privacy Policy, which defines how the company may use your Personal Data.

      CRABSI and its affiliates (if any) are committed to protecting your privacy. The information collected about you is used to fulfill contractual obligations and improve customer service. This Privacy Policy provides clear and transparent information about how we collect, use, and protect your data in compliance with Canadian data protection laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and the General Data Protection Regulation (GDPR), and other relevant international laws for users outside of Canada and the EU.

      If you are located outside of Canada, the EU, or a jurisdiction with specific privacy regulations, we will process your Personal Data in line with international privacy standards, applying reasonable measures to protect your information as outlined in this Privacy Policy.

      Please read this document carefully to understand our approach to handling your Personal Data.

      For any questions or concerns, you can contact us at:

      Email: [email protected]

      1. Data We Collect

      Information You Provide

      You may provide information directly to us by completing forms on our website or contacting us via phone, email, video conference, or other methods. This includes:

      • Personal Identification: Name, surname, photographs, videos (for verification purposes under the AML/CFT Policy), residential address, citizenship, date and place of birth, and tax residency.
      • Government-Issued Identification: Passport, driver’s license, or other identification documents.
      • Contact Information: Phone number, email address, and login credentials.
      • Financial Data: Bank details, account numbers, payment details, and Foreign Account Taxation Act (FATCA/CRS) information.
      • Professional Details: Education, work experience, and place of employment.
      • Other Information: Politically exposed person (PEP) status, sources and amounts of income, account status, balance sheets, and transaction details.

      Crabsi does not collect or process sensitive personal data, such as racial or ethnic origin, political opinions, religious beliefs, or health data, unless explicitly provided by you in public forums on our website.

      Information We Collect Automatically

      When you visit our website or use our services, we may collect:

      • Technical Data: IP address, browser type and version, time zone settings, and operating system.
      • Usage Data: Pages visited, site interactions, errors encountered, and geolocation data.
      • Financial Activity: Transaction details, account activity, and accrued commissions.

      Information From Third Parties

      We may receive data from external sources, such as:

      • Financial Institutions: For deposits and withdrawals.
      • Verification Services: To confirm details you provide.
      • Credit Agencies and Partners: Data regarding your financial status.

      2. Use of Cookies

      Please refer to our Cookie Policy for details on how we use cookies and manage your consent.

      3. Why We Use Your Personal Data

      To Provide Services

      • Fulfill contractual obligations and deliver requested products or services.
      • Maintain security and administer the website.
      • Resolve complaints and support queries.

      To Improve Services

      • Enhance the website experience and evaluate advertising effectiveness.
      • Analyze usage data for internal research and development.

      To Ensure Legal Compliance

      • Verify identities to prevent fraud.
      • Comply with AML/CFT regulations and other legal requirements.

      For Marketing

      • Inform you about products or services similar to those you’ve used or searched for.
      • With your consent, share your data with third parties for marketing purposes.

      4. Disclosure of Personal Data

      We may share your data with:

      • Service Providers: Business partners, subcontractors, and analytics providers.
      • Marketing Networks: To optimize advertisements (aggregated data only).
      • Legal Obligations: If required by law, court orders, or to protect CRABSI’s rights and property.
      • Corporate Transactions: During mergers, acquisitions, or asset sales.

      5. Security and Retention of Personal Data

      Security Measures

      We implement robust security measures to safeguard your data from loss, misuse, or unauthorized access. Only authorized personnel have access to your data, and all data transfers comply with international security standards.

      Retention Period

      Your data will be retained:

      • For a minimum of five (5) years after account closure, in compliance with legal requirements.
      • Longer, if required for legal investigations or disputes.
      • Email addresses from unsubscribed users will be stored in an inactive list.

      6. Basis for Processing Personal Data

      We process your data based on:

      • Consent: Provided explicitly for specific purposes.
      • Contractual Obligations: Necessary to fulfill agreements with you.
      • Legal Compliance: To meet regulatory requirements.
      • Legitimate Interests: To prevent fraud, enhance security, and improve services.

      You may withdraw your consent at any time.

      7. Your Rights

      You have the right to:

      • Request deletion, correction, or restriction of your data.
      • Access your data and receive a copy in a machine-readable format.
      • Object to data processing for marketing purposes.

      To exercise these rights, contact us at [email protected]. Note that exercising certain rights may impact our ability to provide services to you.

      8. Access to Personal Data

      Under PIPEDA and GDPR, you may request access to the data we hold about you by submitting a written request to [email protected].

      9. Storage of Personal Data

      We store and process Personal Data using secure repositories and best practices throughout its lifecycle. For individuals outside Canada and the EU, we ensure that data processing complies with this Privacy Policy and applicable international privacy standards.

      Data Transfers Outside Canada, the EU, and Your Jurisdiction

      Your data may be transferred to and stored in a jurisdiction outside your country of residence, including countries where data protection laws may differ from those in your region. In such cases:

      • We apply appropriate safeguards to protect your Personal Data, including but not limited to contractual agreements with service providers.
      • Data transfers comply with adequacy decisions (where applicable) or recognized mechanisms such as Standard Contractual Clauses (SCCs).

      By using our services, you consent to these data transfers.

      10. Changes to This Privacy Policy

      This Privacy Policy may be updated periodically, with the most recent revision date displayed at the top of the document. Any updates will be posted on our website to ensure transparency.

      For significant changes, we may choose to notify you using the contact information available to us. However, it remains your responsibility to review this Privacy Policy regularly to stay informed about how your Personal Data is being handled.

      If you disagree with any updates, you should discontinue using our services and reach out to us with your concerns. By continuing to use our services after updates are published, you accept the revised Privacy Policy.