Terms and Conditions of Use

Welcome to FIPNEXT, a private digital information and reporting platform designed to provide authorized users with access to their data.

FIPNEXT is not a public platform and is accessible only to pre-identified and contractually counterparties.

The platform does not operate as an exchange, broker, custodian, marketplace, or financial intermediary of any kind.

FIPNEXT is a read-only reporting and monitoring dashboard. The platform's sole purpose is to allow authorized users to:

• Access their stored data
• Access schedules
• Review periodic statements and reports
• Access documents shared by counterparties

FIPNEXT does NOT:

• Facilitate or execute transactions
• Accept or solicit investments from unknown public
• Buy, sell, trade, exchange, or transfer any assets
• Provide crypto, virtual digital asset, or token-related services
• Provide wallet, custody, escrow, or fund-handling services

All arrangements exist independently outside the platform.

Access to FIPNEXT is strictly limited to users who:

• Have been independently identified and approved
• Have entered into separate private contractual arrangements outside the platform
• Have been granted access credentials by the platform administrator

FIPNEXT does not permit open registration and does not accept participation from unknown or unsolicited members of the public.

FIPNEXT does not act as:

• A lender or borrower
• A loan arranger or loan broker
• A peer-to-peer (P2P) lending platform
• A collective investment scheme
• A program, scheme, or offering for public participation

The platform does not match counterparties, negotiate terms, or influence contractual outcomes.

FIPNEXT does not:

• Collect, pool, route, transmit, safeguard, or disburse funds
• Control or manage bank accounts, escrow accounts, or assets
• Participate in settlement, clearing, or enforcement

All fund movements occur outside the platform through arrangements agreed directly between the contracting parties.

All data displayed on FIPNEXT is provided for informational and monitoring purposes only. Users cannot:

• Initiate transactions
• Issue financial instructions
• Modify contractual terms
• Enforce rights or remedies

The platform functions purely as a post-facto reporting interface.

FIPNEXT does not provide any services related to:

• Virtual Digital Assets (VDAs)
• Cryptocurrencies or crypto-assets
• Token issuance, trading, transfer, or custody
• Control of cryptographic keys or blockchain assets

Accordingly, FIPNEXT does not operate as a Virtual Digital Asset Service Provider.

Any interest, repayment, or yield associated with a lending arrangement is governed exclusively by the underlying lender–borrower agreement.

FIPNEXT:

• Does not guarantee repayment
• Does not guarantee performance
• Does not assure returns or timelines

Users agree to:

• Access the platform only for its intended informational purpose
• Maintain confidentiality of access credentials
• Ensure compliance with applicable laws relevant to their own activities
• Rely on independent contractual documentation for all financial rights and obligations

FIPNEXT shall not be liable for:

• Decisions taken based on information displayed on the platform
• Delays, inaccuracies, or omissions originating from external counterparties
• Any loss arising from contractual relationships to which FIPNEXT is not a party

FIPNEXT is a technology-based information system and is not regulated as an exchange, broker, custodian, financial intermediary, or virtual digital asset service provider.

Any regulatory obligations apply, if at all, to the underlying contracting parties and not to the platform itself.

Access to the platform is provided for an indefinite period and may be suspended or terminated at any time at the discretion of the platform administrator, including for compliance, security, or contractual reasons.

These Terms and Conditions shall be governed by and construed in accordance with the laws of the Czech Republic.