Terms of Use

Terms of Use for the Application

These terms (hereinafter "the Terms") govern the relationship, rights and obligations between you, a private user, and Cantaio Ltd. (hereinafter "the Company"), which holds all rights in the Cantaio application and/or website (both hereinafter referred to as "the Application"), with respect to your downloading, installing and using the Application. Any use of the Application, including any updated version, modification, improvement, update and/or upgrade of the Application provided by the Company, is and shall at all times be subject to these Terms.

By clicking the "I agree" button and/or by the very use of the Application and/or by downloading and installing the Application on your mobile device or by registering through the website, you agree to these Terms in full and confirm that you have read and understood them and that you agree to be bound by them. You are therefore asked to read them very carefully before doing any of the above, and to act in accordance with them.

If you do not agree to all of these Terms, or if you do not wish to be bound by them, please click the "I do not agree" button and do not use the Application and/or do not install the Application or use the website, or, if you have installed it, delete it immediately from your mobile device and do not use it in any way or manner.

The Company reserves the right to make changes to these Terms at its sole discretion. Your continued use of the Application, including after the updated Terms are published, constitutes your consent to any such change.

Anything stated in this agreement in the masculine form is for convenience only and applies equally to the feminine.

The Application and Its Use

The Application is a platform for receiving mortgage offers from various financial institutions and for receiving mortgage advice and complementary services on behalf of Cantaio Ltd. The Application enables private and business clients to receive offers for mortgage loan terms from various financial institutions in a convenient, efficient and virtual manner, without needing to attend in person except for the final signing.

To use the services of the Application, you will need to open an account in the Application and provide us with details about yourself, including details of the borrowers, full names, dates of birth, place of residence, income and expenses, loans and liabilities, details of the property intended for purchase, email address, phone number, and a number of additional details that will help us tailor the recommendation for the right mortgage. All the details you provide will be stored and used in accordance with the provisions of the Privacy Policy.

Within the account you open, you will be able to perform actions such as viewing the information you provided, uploading information and materials, viewing mortgage loan offers, viewing a requested mortgage mix, requesting a change to the mortgage mix, viewing the status of negotiations with financial institutions, requesting an appointment to sign a contract with the bank, and contacting the Application team.

When opening the account, you will be required to register and enter details about yourself, some of which are mandatory and some optional. Your registration to the Application, as well as every login to the Application, will be based on your phone number and will require additional confirmation by receiving a one-time code, as is customary in the industry. You are prohibited from allowing any person other than yourself to access your account.

Every person who opens a user account must provide correct and accurate details in their account and must report any change in their details or requirements immediately when the change occurs. All responsibility for the data you provide lies with you, and you are therefore asked to make sure that all the data you entered is correct and accurate and that every detail you provide or transfer is correct and accurate. The data will be used in accordance with and subject to the terms of the privacy statement at the following link: https://cantaio.com/privacy-policy/

If you wish to receive price quotes for mortgage loans from banks or other financial institutions, you are required to carefully consider any information, files or materials you choose to upload to your account. I am aware that such information will be transferred to third parties such as banks and financial institutions or other financial bodies. Any information you choose to share with a third party will remain your property, but we are not responsible for the use made of it. You are required not to misuse any information you receive through the Application. We draw your attention to the fact that some of the information you choose to share may be sensitive information, and you should therefore consider seriously any information you choose to share with us or with any third party, and not share information beyond what is requested as part of your registration and/or your request for a mortgage loan quote.

Please note: entering false details is a criminal offense that may lead to legal proceedings being taken against you, including but not limited to a claim in tort for damages caused to the Company or to any third party, and may also lead to the cancellation of the offer given to you, at any stage.

It is clarified that use of the Application does not constitute any undertaking by the Company or its owners, managers or anyone on its behalf that you will in fact receive offers from various parties and/or that these offers will be to your satisfaction and/or that the bank or other financial institutions will enter into an agreement with you to take out a mortgage on these or other terms, and you understand and confirm that the foregoing depends on many factors that do not necessarily depend on the Company.

You are aware of and confirm that your final engagement when signing the contract is with the relevant bank or financial institution only, that the Application is solely a platform for receiving offers, comparing them and submitting them to the bank or to other financial institutions, and that the Company has no connection to the engagement between you and the bank or other financial institutions.

You are prohibited from contacting directly, other than through the Company, any party on whose behalf the Company provides you with offers, in connection with the offers we have passed on to you, and you are also prohibited from presenting the offers the Company provides you to any third party whatsoever. These offers shall be deemed confidential information that may not be disclosed or used in any way except in dealings with the Company.

It is clarified that the offers you receive through the Application from banks or other financial institutions for a mortgage loan are in the wording and on the terms provided by the banks or other financial institutions and were not given by the Company. The Company shall not be responsible for the accuracy of the details of the offers you receive from the banks or other financial institutions and/or for their nature or quality. Any change or update to these terms shall be made solely with the relevant bank or other financial institution, and the wording of the offers does not constitute an undertaking by the Company or by the relevant bank or other financial institution regarding its offer; only the binding wording of the documents signed with the bank or other financial institution shall bind the parties. You shall have no claims, suits or demands against the Company in any case in which you do not receive offers and/or do not receive attractive offers in connection with mortgage loans.

Restrictions and Prohibitions

As a condition for using the Application, including downloading the Application, you undertake that you are over the age of 18.

You undertake not to make any use of the Application for the purpose of: (a) uploading content and/or information that you do not own or have no right to use and/or that violates the law and/or any judicial order and/or that may infringe the proprietary rights of a third party; (b) interfering with, disrupting, restricting or preventing use of the Application; (c) uploading distorted, misleading or false content and information and/or content and information harmful to the Company and/or its managers and/or any third party; (d) uploading offensive, insulting, defamatory or threatening information, material that harms or infringes the proprietary rights of others, any pornographic or sexually explicit material or material that may offend public sensibilities and/or any material concerning minors that identifies them, and/or any illegal material, or material that encourages and/or supports and/or assists in committing an act that constitutes a criminal offense under the laws of the State of Israel, and/or any material that constitutes defamation of a person or invades privacy and/or any other information of a similar nature; (e) an unlawful purpose, or a purpose that contradicts the terms of engagement; (f) harassment or a false complaint; (g) harming any third party, including their privacy or private life; (h) business or commercial use of the Application or of any information transmitted through it; (i) performing any act that is contrary to law; (j) harming and/or infringing contractual rights, proprietary rights, copyrights, moral rights, quasi-proprietary rights, duties of care and trust, trade secrets, trademarks or patents.

You undertake not to use the Application and/or act in the Application in connection with the following actions: disclosing passwords and/or personal and/or intimate details about other users and/or harassing other users, impersonating another person, carrying out commercial advertising and/or sales promotion, political propaganda and/or promoting candidates and parties in elections, using crude and/or offensive language, collecting details about other users, copying details and/or advertisements from the Application and publishing or displaying them elsewhere for commercial purposes or in a manner that may harm the business of the Company, flooding the Application or any part of it with repeated messages, artificially promoting content, publishing false or misleading materials, publishing links and/or uploading sexual or pornographic content to the Application and/or content that will offend other users and/or is likely to cause them harm.

You undertake to refrain completely from any attempt to collect information about the Application, including by technological means, operating or assisting the operation of a computer application or any other means intended to scan and/or copy and/or retrieve and/or mine information, to refrain from making and/or causing any change to the Application, and not to interfere with the source code of the Application.

You undertake to refrain from any acts and/or omissions that may interfere with the operation of the Application and/or its users, including by disrupting and/or interfering with computer operations, such as "viruses", "worms" and other harmful applications, intrusion into computer material, editing and/or inserting software in a manner that may cause damage or disruption to a computer and/or computer material, deleting computer material, trespassing and the like.

You hereby declare that you are aware that the Company may take, against a user who breaches these Terms, all the measures available to it under law, including cancelling the account in the Application without any notice and transferring the details of that user to third parties.

User Content

As part of your use of the Application, you may from time to time provide information and data about yourself, including the type of device you own, the device version, the Application version, the time of use, email, phone number, full name, IP address and more, or generate outputs that include information regarding your use of the website and/or the Application and more (hereinafter: "User Content"). With respect to any content you provide to the Company through the Application, you undertake that there is no legal and/or contractual and/or other restriction preventing you from providing such content. Providing such information is of your own free will and is not mandatory.

You are aware that the Company, including its representatives, employees, managers and those acting on its behalf, is not responsible under any circumstances for the nature, reliability, correctness, completeness, currency, legality or functioning of User Content, and is not responsible for any reliance placed on User Content. Accordingly, full responsibility for User Content you provide to the Company shall be yours, and you hereby expressly release the Company, including its representatives, employees, managers and those acting on its behalf, from any responsibility and/or liability in connection with User Content you provide and with advice given to you based on it.

The Company does not undertake to check and/or review and/or monitor the User Content you provide through the Application, and you hereby fully and absolutely release the Company, including its shareholders and/or managers, from any responsibility for damage caused or that may be caused in connection with the provision or use of such User Content by the Company. The Company may, at its sole discretion, refuse to accept and/or delete and/or make changes, in full or in part, to User Content you transfer to it, without needing your consent and without prior notice, among other things due to a breach or suspected breach of the provisions of these Terms, the provisions of the law or the rights of third parties and/or due to an instruction from competent authorities and/or for technical reasons.

You are aware and confirm that any User Content you provide to the Company shall at all times be your exclusive property; however, by the very act of uploading User Content to the Application, you grant the Company, irrevocably and without consideration, a license to store all or part of this information on its computers and to use it, in accordance with and subject to applicable law and the provisions of this agreement, as follows: (a) to improve the performance of the Application; (b) to provide you with the services; (c) for statistical purposes, analyses and processing relating to all users of the Application; (d) to interest you in products or services that we believe suit you, and you authorize us to send you advertising messages about them; (e) so that we can provide you with better recommendations and service in the future in the best possible way.

Ownership and Proprietary Rights.

You are aware that all content appearing in the Application and/or in materials provided or delivered to you through the Application, including materials, text design, software, music, video, graphics, materials contained in advertisements or in messages sent to you or in commercial information offered to you by the Company, is the exclusive property of the Company and/or other third parties and shall remain their exclusive property at all times. All intellectual property rights (including, among others, copyrights, trade secrets, trademarks, patents and the like) existing in and/or embodied in the Application and/or attached to, related to and/or referring to the Application are owned exclusively by the Company and shall remain in its exclusive ownership as aforesaid. Nothing in these Terms transfers to you any right in or in connection with the Application and/or in materials transferred to you and/or photographed by you, other than a limited right to use them in accordance with these Terms and the provisions of the law. Nothing in these Terms constitutes a waiver of the intellectual property rights of the Company or of any third party under any law.

All content relating to you personally, including personal information you provide about yourself, that is prepared or transferred by you through the Application, shall belong to you, and by the very act of providing it to the Application you grant the Company a right of use to store it and to make various uses based on it in accordance with the provisions of these Terms of Use and the provisions of the Privacy Policy of the Application.

License

The Company hereby grants you, and you accept, a limited, personal, non-exclusive, non-assignable, non-commercial, non-sublicensable and fully revocable license to use the Application, all in accordance with the terms and provisions contained in these Terms. The Company reserves all rights in the Application that are not expressly granted under these Terms.

Prohibited Uses

Except as expressly permitted in these Terms, without the prior written consent of the Company, you agree not to: (i) use, modify or integrate the Application into other software, or create derivative works from any part of the Application; and (ii) sell, license (or sublicense), lease, assign, transfer, pledge or share your rights under these Terms with any other person; (iii) copy, distribute or reproduce the Application for the benefit of third parties; (iv) disclose the results of the performance of the Application, or use these results to develop a competing application; and/or (v) modify, disassemble, decompile, reverse engineer, update or improve the Application, or attempt to discover the source code of the Application.

Maintenance and Support

The Company has no obligation under these Terms to provide support, maintenance, upgrades, modifications or new versions of the Application. However, the Company may from time to time release upgraded versions of the Application and may electronically and automatically upgrade the version of the Application you use. You consent to such automatic upgrading and agree that these Terms shall apply to all such upgrades.

Disclaimer of Warranty

The Application is provided to you "as is", without any warranty of any kind, express or implied. The Company does not guarantee that the Application will meet your requirements or that the operation of the Application will be uninterrupted or error-free. To the extent permitted by law, the Company hereby expressly excludes any express warranty, including, among others, warranties of title or non-infringement, and any implied warranty, including, among others, implied warranties of merchantability and fitness for a particular purpose. The Company is not responsible for, and does not guarantee, the accuracy, completeness, usefulness or reliability of the results obtained through use of the Application or of any data or information otherwise obtained through use of the Application. You confirm that any information or data you download, obtain or receive through use of the Application shall be at your sole risk and discretion, and that the Company shall not be responsible and shall bear no liability for any damage caused to you or to your property.

The Company shall bear no responsibility for the content or substance of information provided by you or provided to you as part of using the Application, and all responsibility for the use or non-use of such information shall be exclusively yours.

The Company acts, as far as possible, to ensure that the information transmitted through the Application is as correct and accurate as possible; however, notwithstanding the foregoing, there may be a defect and/or error and/or inaccuracy in the information and/or in the manner of its transmission, and you hereby release the Company, including its representatives, employees, managers and those acting on its behalf, from any responsibility and/or liability in this regard.

The Company, including its representatives, employees, managers and those acting on its behalf, is not responsible for the availability of the Application, the services and the information, including their form, completeness, currency, the accuracy of the data, their suitability for the user in their nature, character and scope, possible defects, the content of the information, any mismatch of the data received on the computer of the Company, the data received by the user, loss of information and the like.

The Company, including its representatives, employees, managers and those acting on their behalf, shall not be liable for any damage, direct or indirect, caused to you and/or to any third party as a result of using the Application, including the services, information and content you receive through it and/or reliance on it, and/or as a result of the cancellation and/or discontinuation of any of the services offered in the Application, including due to disruptions and/or defects in the transmission of information, whether caused intentionally by any third party or caused by any malfunction.

The Application may also include various links to other applications or websites, including publications by other applications or websites, persons and parties other than the Company, as well as commercial content of third parties, including advertisements, banners, ads, pop-ups and the like (hereinafter: "Third-Party Content"). It is clarified that the Company, including its representatives, employees, managers and those acting on its behalf, is not responsible in any way for Third-Party Content and/or for any link and/or publication and/or information not published by the Application. Any use of Third-Party Content and/or of information from sources other than the Application, and/or reliance on it, shall be at the sole and full responsibility of the user alone.

It is made clear to you that the information in the Application may be updated and/or changed from time to time, that content that appeared in the Application may be deleted and/or changed without prior notice and without your consent, and that the Company, including its representatives, employees, managers and those acting on its behalf, is not responsible for any damage of any kind caused in such a case.

The Company does not undertake that use of the Application will not be disrupted, will be provided regularly without interruptions, will take place securely without errors, or will be immune to damage, breakdowns, malfunctions or failures, and you hereby release the Company, including its representatives, employees, managers and those acting on its behalf, from any responsibility and/or liability in this regard.

If you are not satisfied with any part of the Application, or with any of the Terms of Use, your sole and exclusive remedy is to stop using the Application and remove it.

The Company reserves the right to refuse access to the Application or parts of it to any user, at its sole discretion and without any prior notice.

The Company reserves the right to disclose at any time such information as may be required to comply with the requirements applicable under law, regulations or legal proceedings, or in accordance with a demand from a competent authority, all at the sole discretion of the Company in each case.

The Company may at any time, at its sole discretion, discontinue the operation of the Application in whole or in part, temporarily or permanently.

Exclusion of Consequential Damages.

In no event shall the Company or anyone on its behalf be liable for any direct or indirect damage, punitive damages, incidental, special or consequential damage, or any other damage of any kind whatsoever, whether to you or to any third party, arising from or related in any way to the content transmitted through the Application, to the use of the services of the Application, to the performance of the Application, to a delay in use or an inability to use the Application, to the provision or non-provision of services, or to any information, software, product, service and related graphics obtained through the Application, or otherwise arising in any way from the use of the Application, to the accuracy of the data, to their suitability for the user in their nature, character and scope, to possible defects, to the content of the information or to any other act or omission of the Company or anyone on its behalf, whether based on contract, tort, strict liability or anything else.

Limitation of Liability

If, despite the provisions of these Terms, it is determined that the Company is liable for damages, such damages shall not exceed one hundred New Israeli Shekels.

Termination

The Company may terminate the license granted under these Terms at any time and for any reason whatsoever. Without derogating from the foregoing, your breach of these Terms will terminate the license granted to you, and upon termination of the license you shall cease any further use of the Application and delete or destroy any information you provided or received as part of using the Application.

Governing Law; Jurisdiction

These Terms and their interpretation shall be governed solely by the laws of the State of Israel. The competent courts in the Tel Aviv district shall have exclusive jurisdiction over any dispute or disagreement that arises between the parties as a result of these Terms.

Indemnification

You agree to defend, indemnify and hold harmless the Company and its directors, officers, shareholders, employees, agents and representatives from and against any claims, losses, costs, damages, liabilities and expenses (including, among others, attorneys' fees) arising from any use of the Application by you in breach of these Terms.

Third-Party Software

If the Application includes any software supplied by third parties, such third-party software is provided "as is" without any warranty of any kind, and such software shall be subject to all the restrictions and terms required by that third party.

You acknowledge and agree that these Terms are concluded solely between you and the Company, and not with Google or Apple, and that Google and/or Apple shall bear no responsibility in connection with the Application. Your use of the Application shall be in accordance with, and subject to, the terms of use of Google and/or Apple, in addition to these Terms. You acknowledge that Google and/or Apple have no obligation whatsoever to provide any maintenance or support services in connection with the Application. You acknowledge and agree that Google and/or Apple, and the affiliates of Google and/or Apple, are third-party beneficiaries of these Terms, and that upon your acceptance of the terms and provisions of these Terms, Google and/or Apple will have the right to enforce these Terms against you as a third-party beneficiary of these Terms.

General

These Terms are governed by the laws of the State of Israel. You hereby agree that in any dispute arising from or related to the use of the Application, the courts in the city of Tel Aviv-Yafo shall have exclusive jurisdiction, and that shall be the exclusive place of jurisdiction. Should it be determined that any part of these Terms is invalid or unenforceable under the provisions of the relevant laws, including without limitation the disclaimer and limitation of liability clauses mentioned above, then the clauses held invalid or unenforceable shall be deemed replaced by valid and enforceable clauses whose content corresponds as closely as possible to the intent of the original clauses, while the remaining clauses of these Terms shall remain in effect. A waiver by one party, express or implied, of a right granted to it under this document in a particular case shall not be applied by analogy to any other case and shall not be deemed a waiver of the rights of that party under these Terms. A printed version of these Terms and of any notice transmitted in electronic form shall constitute admissible evidence in legal or administrative proceedings based on or related to them, to the same extent and under the same conditions as other business records and documents originally produced and kept in printed form. Any right not expressly granted in the Terms of Use is reserved.

For any question or clarification, please contact us at [email protected]