Terms & Conditions

Terms and Conditions

This page (together with the documents referred to on it) tells you the terms and conditions on which we supply any of the Services (as defined below) listed on our website www.wagobank.com to you. Please read these terms and conditions carefully and make sure that you understand them, before ordering any Services from our site. You should understand that by ordering any of our Services, you agree to be bound by these terms and conditions.

You should print a copy of these terms and conditions for future reference.

Please click on the button marked “I Accept” at the end of these terms and conditions if you accept them. Please understand that if you refuse to accept these terms and conditions, you will not be able to order any Services from our site.

1. General

1.1 WAGO Bank Ltd. (“WAGO”) operates the website www.wagobank.com. WAGO is a company duly incorporated and registered in the Union of Comoros under company registration number 16117. The registered office of the Company is situated at Hamchako, Mutsamudu, on the Autonomous Island of Anjouan, Union of Comoros. The Company holds a valid banking license under number L16117/WB, and its date of incorporation is 14 August 2025.

2. Interpretation

2.1 The definitions and rules of interpretation in this clause apply in these terms and conditions (Conditions).

• Account Holder: The holders of credit accounts, the terms of which are set out in clause 6.
• Applications: An application, filing, notice or other communication which is made or sent by WAGO to the Appropriate Authorities.
• Appropriate Authorities: The Companies Registry or any other government or regulatory authority or other third party.
• Client: The person, firm or company who purchases the Services from WAGO.
• Client Company: The company owned legally or beneficially by the Client in respect of which WAGO are providing the Services.
• Company Formation Service: the services are not offered at this stage.
• Disbursements: the disbursements, tax, duties, fees that the Client shall be liable to pay to third parties as a result of WAGO performing the Services and which WAGO pays on behalf of the Client.
• Fees: the amounts payable by the Client to WAGO for the Services as published on its site at the time of the Order and confirmed in the Order Acceptance or as amended by subsequent communications from WAGO to the Client.
• Order: the order or orders which the Client places with WAGO through our site for the Services.
• Order Acceptance: the confirmation by WAGO of such acceptance of an Order sent by e-mail to the Client confirming that the Service has commenced.
• MLR: the Money Laundering Regulations 2007 and Proceeds of Crime Act 2002.
• Excluded Services: WAGO does not provide the Client at this stage with company formation, company administration, company secretarial, registered office, banking, trademark, consultancy, or any other related services.

2.2 Headings in these Conditions shall not affect their interpretation.

2.3 A person includes a natural person, corporate or unincorporated body (whether or not having separate legal personality).

2.4 A reference to legislation is a reference to it as it is in force for the time being, taking account of any amendment, extension, or re-enactment and includes any subordinate legislation for the time being in force made under it.

2.5 A reference to writing or written includes faxes and e-mail.

2.6 Any obligation in the Contract on a person not to do something includes, without limitation, an obligation not to agree, allow, permit or acquiesce in that thing being done.

3. Your status

3.1 By placing an order through our site, you warrant that:

1. (a) you are legally capable of entering into binding contracts; and
2. (b) you are at least 18 years old.

4. How the Contract is formed and cancellation rights

4.1 After placing an Order, you will receive an e-mail from us acknowledging that we have received your Order. Please note that this does not mean that your Order has been accepted. Your Order constitutes an offer to us to buy a Service.

4.2 All Orders are subject to acceptance by us, and we will confirm such acceptance to you by sending you an Order Acceptance. The contract between us (Contract) will only be formed when we send you the Order Acceptance.

4.3 Unless agreed otherwise (and with the exception of the Credit Analysis Service detailed within clause 19), WAGO’s performance of the Service to the Client will commence at the point of sending the Client the Order Acceptance.

4.4 The Consumer Protection (Distance Selling) Regulations 2000 permits consumers to cancel a contract after it has been entered into subject to certain limitations and requirements. The Client’s will only have the right to cancel the Contract within 14 working days, starting the day after the date of receipt of the Order Acceptance but only if WAGO has not started to provide its Service. If WAGO has started to perform its Service to the Client when it sends the Order Acceptance, the Client will have no rights of cancellation.

4.5 If you have the right to cancel then:

1. 4.5.1 you will need to send a notice in writing to us stating that you wish to cancel the Contract. To cancel the Contract you will need to send a letter to us. You can send the letter by post, email or facsimile or by personal delivery. Contact details for where to send the letter are set out in this clause. If you cancel the Contract orally, you will need to confirm the oral cancellation in writing and send it to us by one of the means just specified; and
2. 4.5.2 you will need to send us the notice of cancellation within 14 working days, with the 14-day period starting with the day after you receive the Order Acceptance;
3. 4.5.3 you can send us the notice of cancellation by e-mail to info@wagobank.com or by post to WAGO Bank Ltd., Hamchako, Mutsamudu, on the Autonomous Island of Anjouan, Union of Comoros.marked for the attention of Customer Service;
4. 4.5.4 after we receive your notice of cancellation, we will refund the money you have paid to us within 7 working days.

5. Application of Conditions

5.1 These Conditions shall:

1. (a) apply to and be incorporated into the Contract; and
2. (b) prevail over any inconsistent terms or conditions contained, or referred to, in the Order, specification or other document supplied by the Client, or implied by trade custom, practice or course of dealing.

5.2 The Client acknowledges and accepts that WAGO is subject to the MLR and that in placing an Order or paying the Fees the Client is authorizing WAGO to carry out such checks as WAGO considers to be necessary in connection with WAGO’s obligations under the MLR.

6. Provision of the Services

6.1 WAGO shall use reasonable endeavors to complete the Services including making Applications by any deadlines specified by the Appropriate Authorities. WAGO will not be in breach of its obligations to perform the Services (or any part of the Services) with reasonable care and skill where:

1. (a) the Client has not provided or supplied any information or documentation by any date or time specified by WAGO in order for WAGO to perform its Services or make any Application by any deadline;
2. (b) the Client has not provided information required by WAGO in order to comply with MLR;
3. (c) there is a failure of electronic communication technology or electrical supply, where WAGO uses electronic communication technology to perform the Services or make any Application (such as, but not limited to, applying to form a company, making a filing or application); or
4. (d) any Application made by WAGO is received by an Appropriate Authority but is not processed, actioned or otherwise delayed.

6.2 The Services shall be performed by such employees or agents that WAGO may choose as most appropriate to carry out those Services. Where the Services involve an off shore company then WAGO reserve the right to use off shore company formation agents and also to make referral to professional service providers in the UK as necessary.

6.3 The Supplier shall use reasonable endeavors to meet any dates for completion of the Services specified in the Order, but any such dates shall be estimates only and time shall not be of the essence for performance of the Services. WAGO shall not be liable for any penalty, loss, claims, damages or expenses directly or indirectly resulting from any delay by WAGO in the performance of the Services.

6.4 WAGO does not warrant that the Services are fit for any particular purpose, whether made known to WAGO or not and the Client must not rely upon WAGO’s skill or judgement in relation to the fitness of the Services for any particular purpose unless WAGO confirm in writing signed by a director of WAGO that the Services are fit for a particular purpose.

7. Client’s Warranties

7.1 The Client warrants to WAGO as follows:

1. (a) that any Order placed by the Client will not cause WAGO to infringe the law of any country;
2. (b) that the Client will promptly provide to WAGO such documentation as WAGO may need in order to comply with the MLR;
3. (c) that all information given to WAGO by the Client is complete, accurate and up to date;
4. (d) that where shares or company appointments are held by any representative of WAGO (which may be WAGO itself) in connection with the formation of a company for the Client, then unless WAGO agrees to provide nominee director or shareholder services in accordance with clause 13 and clause 14 immediately following receipt of the necessary documents by the Client all necessary steps will be taken to:
   1. complete the transfer of any shares held by a representative of WAGO to the beneficial owner;
   2. implement the resignations of any representative of WAGO from the appointments in question and substitute the appointees of the beneficial owner of the new company; and
   3. if applicable thereafter complete the necessary statutory formalities in connection with the appointment of officers, registered office and issue of shares.
5. (e) Where documents are supplied by the Client to WAGO for printing that any material contained in them is free of all defamatory matter and copyright or other legal restrictions and the Client shall fully indemnify WAGO against any actions, demands, costs, charges, penalties or expenses imposed upon WAGO or its employees as a result of any claim made against it or any of them in respect of the contents of such document.

8. Exclusions from the Services

8.1 The Services that WAGO provides to the Client may involve tax or legal implications or necessitate the consideration of tax planning strategies. WAGO is not qualified to advise and is not providing advice to the Client on the legal or tax implications of the Services. IN PARTICULAR PLEASE NOTE THAT WAGO DOES NOT ADVISE ON THE FOLLOWING:

1. (a) ACCOUNTANCY ISSUES INCLUDING TAXATION MATTERS;
2. (b) INSURANCE; AND
3. (c) LEGAL ISSUES.

It is important that the Client always seeks advice from other professionals in these areas. WAGO is willing to introduce the Client to appropriately qualified professionals including professional service providers in the Comoros such as accountants.

9. Company Formation Service

WAGO does not provide any Company Formation Services at this stage

10. Money Laundering Regulations

10.1 Until such time as the Client and any other party to the transaction (including directors or shareholders of the Client) as WAGO deem necessary have satisfactorily passed the MLR checks carried out by WAGO then WAGO shall not release any documentation relating to the Services to the Client.

10.2 In the event that on completion of the MLR checks undertaken by WAGO, WAGO are unable to verify the identity of the Client or any other party to the transaction (including directors or shareholders of the Client) and the Client refuses or unreasonably delays in producing information to verify identity as requested by WAGO then WAGO reserve the right to treat the Client’s actions as a repudiatory breach of contract. In these circumstances any Fee paid by the Client to WAGO shall be retained by WAGO as damages for the Client’s breach of contract.

10.3 In the event that WAGO agree in its absolute discretion that the Client is entitled to a refund of Fees (in full or in part) then no refund of Fees shall be made until such time as the identity of the Client or any other party to the transaction (including directors or shareholders of the Client) as WAGO deem necessary to be subject to MLR checks, has been established to WAGO’s satisfaction.

11. Fees and Payment of Fees

11.1 The payment of the relevant Fees (and Disbursements and/or Post Costs) for the Services ordered shall be made by the Client to WAGO at the time the Services are ordered and in advance of the performance of the Services unless the Services ordered are from an Account Holder.

11.2 The Client shall pay WAGO’s charges for the Services at the rates prevailing from time to time as stated on WAGO’s site.

11.3 Except where specifically stated to include VAT, all amounts are exclusive of VAT and any other applicable taxes, which will be charged in addition at the rate in force at the time the Client is required to make payment.

11.4 For Account Holders, invoices are due for payment 30 days from their date. If the Account Holder does not make a payment by any due date or the date stated in an invoice or as otherwise provided for in the Contract, WAGO shall be entitled to:

1. (a) charge interest on the outstanding amount at the rate of 4% per year above the base lending rate of HSBC Bank plc, accruing daily;
2. (b) require the Account Holder to pay, in advance, for any Services (or any part of the Services) which have not yet been performed; and
3. (c) not perform any further Services (or any part of the Services).

11.5 Following the Establishment of an overseas Client Company, or a Trust or Foundation, Fees in relation to the annual renewals of said entities shall be invoiced directly to the Client Company, Trust or Foundation, including also any ancillary Services provided to the Client Company, Trust or Foundation.

12. Data Protection

12.1 The Client and any other party to the transaction (including directors or shareholders of the Client) hereby consents to WAGO collecting and processing their ‘personal data’ (as defined in the Data Protection Act 1998) and if required for the performance of the Services to transfer their personal data to third parties and/or countries within or outside of the European Economic Area (EEA) which may have laws which give less protection to an individual’s personal data than the laws of the UK for the express purpose or as part of providing the service or services ordered.

12.2 The Client is advised to read:

1. (a) WAGO’s privacy policy which sets out how WAGO collect, use and process personal data; and
2. (b) WAGO’s cookies policy which sets out how WAGO recognizes the different uses of the website and counts the number of online visitors.
3. (c) WAGO’s terms of use policy which governs the correct and acceptable use of the site

13. Confidentiality

13.1 WAGO shall keep the confidential information of the Client which is disclosed to WAGO in relation to the performance of the Services confidential and secret. WAGO shall only use the confidential information of the Client for the Services and for performing WAGO’s obligations under the Contract. WAGO shall inform its officers, employees and agents of its obligations under the provisions of this clause 24, and ensure that WAGO’s officers, employees and agents meet the obligations.

13.2 The obligations of clause 24 shall not apply to any information which:

1. (a) was known or in the possession of WAGO before it was provided to WAGO by the Client;
2. (b) is, or becomes, publicly available through no fault of WAGO;
3. (c) is provided to WAGO without restriction or disclosure by a third party, who did not breach any confidentiality obligations by making such a disclosure;
4. (d) was developed by WAGO (or on its behalf) who had no direct access to, or use or knowledge of the confidential information supplied by the Client; or
5. (e) is required to be disclosed by order of a court of competent jurisdiction or any governmental organization with powers to require WAGO to disclose information held by WAGO on the Client or the Client Company; or
6. (f) that WAGO is required to disclose to comply with MLR.

13.3 This clause 24 shall survive termination of the Contract for a period of 3 years.

14. Use of Sub-Contractors

14.1 WAGO is permitted to use other persons to provide some or all of the Services.

14.2 WAGO shall be responsible for the work of a sub-contractor to the same standard as stated in the Contract. However, the Parties acknowledge and agree that some sub-contractors have their own terms and conditions on which they trade and which are more restrictive than those in this Contract. For example, without limiting the generality of the foregoing, a sub-contractor may have more restrictive wording as to the standard they will reach in work they perform (as to timing or quality), what is to happen if that standard is not reached or met, issues concerning the restriction and exclusion of liability, and so on). Where the terms and conditions of a sub-contractor are more restrictive or exclusory than the provisions of this Contract, the Parties agree that for work provided by a sub-contractor will be governed by the terms and conditions of the sub-contractor rather than the provisions of this Contract.

15. Warranties and Indemnities

15.1 WAGO warrants that it will use reasonable care and skill in performing the Services and the Services will be performed to the standard generally accepted within the industry, sector or profession in which WAGO operates for the type of Services provided by WAGO.

15.2 WAGO warrants that any company supplied by it pursuant to an Order placed by a client (except where otherwise agreed by written authorization of a director of the Company) is free of charges, duly incorporated and has not traded.

15.3 If WAGO performs the Services (or any part of the Services) negligently or materially in breach of this Contract, then if requested by the Client, WAGO will re-perform the relevant part of the Services. The Client’s request must be made within 14 days of the date WAGO completed performing the Services.

15.4 WAGO provides no warranty that any result or objective can be or will be achieved or attained at all or by a given date for the completion of the performance of the Services or any other date, whether stated in this Contract or elsewhere.

15.5 The Client shall indemnify and hold harmless WAGO from and against all Claims and Losses arising from loss, damage, liability, injury to WAGO, its employees and third parties, infringement of third party intellectual property, or third party losses by reason of or arising out of any information supplied to the Client by WAGO, its employees or consultants, or supplied to WAGO by the Client within or without the scope of this Contract. ‘Claims‘ shall mean all demands, claims, proceedings, penalties, fines and liability (whether criminal or civil, in contract, tort or otherwise); and ‘Losses‘ shall mean all losses including without limitation financial losses, damages, legal costs and other expenses of any nature whatsoever.

15.6 Each of the Parties acknowledges that, in entering into the Contract, it does not do so in reliance on any representation, warranty or other provision except as expressly provided in the Contract, and any conditions, warranties or other terms implied by statute or common law are excluded from the Contract to the fullest extent permitted by law. Nothing in the Contract excludes liability for fraud.

16. Liability

16.1 This clause 27 sets out the entire financial liability of WAGO (including any liability for the acts or omissions of its employees, agents, consultants, and subcontractors) to the Client in respect of:

1. (a) any breach of the Contract;
2. (b) any use made by the Client of the Services, or any part of them; and
3. (c) any representation, statement or tortious act or omission (including negligence) arising under or in connection with the Contract.

16.2 All warranties, conditions and other terms implied by statute or common law are, to the fullest extent permitted by law, excluded from the Contract.

16.3 Nothing in the Contract limits or excludes the liability of WAGO:

1. (a) for death or personal injury resulting from negligence; or
2. (b) for any damage or liability incurred by the Customer as a result of fraud or fraudulent misrepresentation by WAGO.

16.4 Subject to clause 27.2 and clause 27.3

1. (a) WAGO shall not be liable for:
   1. loss of profits; or
   2. loss of business; or
   3. depletion of goodwill and/or similar losses; or
   4. loss of anticipated savings; or
   5. loss of goods; or
   6. loss of contract; or
   7. loss of use; or
   8. loss of corruption of data or information; or
   9. any special, indirect, consequential or pure economic loss, costs, damages, charges or expenses.
2. (b) WAGO’s total liability in contract, tort (including negligence or breach of statutory duty), misrepresentation, restitution or otherwise arising in connection with the performance, or contemplated performance, of the Contract shall be limited to the Fees paid for the Services plus damages limited to 50% of the same amount for any additional costs directly reasonably and necessarily incurred by the Client in obtaining alternative services.

17. General

17.1 Neither party shall have any liability under or be deemed to be in breach of the Contract for any delays or failures in performance of the Contract which result from circumstances beyond the reasonable control of that party. The party affected by such circumstances shall promptly notify the other party in writing when such circumstances cause a delay or failure in performance and when they cease to do so. If such circumstances continue for a continuous period of more than 6 months, either party may terminate the Contract by written notice to the other party.

17.2 We have the right to revise and amend these Conditions from time to time. You will be subject to the policies and terms and conditions in force at the time that you order from us, unless any change to those policies or these Conditions is required to be made by law or governmental authority (in which case it will apply to Orders previously placed by you), or if we notify you of the change to those policies or these Conditions before we send you the Order Acceptance (in which case we have the right to assume that you have accepted the change to the Conditions, unless you notify us to the contrary within seven working days of receipt by you of the Service).

17.3 Subject to clause 25 and the following sentence, neither party may assign, delegate, sub-contract, mortgage, charge or otherwise transfer any or all of its rights and obligations under the Contract without the prior written agreement of the other party. A party may, however, assign and transfer all its rights and obligations under the Contract to any person to which it transfers all or part of its business, provided that the assignee undertakes in writing to the other party to be bound by the obligations of the assignor under the Contract.

17.4 This Contract contains the whole agreement between the parties in respect of the Services and supersedes and replaces any prior written or oral agreements, representations or understandings between them. The parties confirm that they have not entered into the Contract on the basis of any representation that is not expressly incorporated into the Contract. Nothing in the Contract excludes liability for fraud.

17.5 No failure or delay by WAGO in exercising any right, power or privilege under the Contract shall impair the same or operate as a waiver of the same nor shall any single or partial exercise of any right, power or privilege preclude any further exercise of the same or the exercise of any other right, power or privilege. The rights and remedies provided in the Contract are cumulative and not exclusive of any rights and remedies provided by law.

17.6 This Agreement shall not constitute or imply any partnership, joint venture, agency, fiduciary relationship or other relationship between the Parties other than the contractual relationship expressly provided for in the Contract. Except where otherwise agreed in these terms and conditions neither party shall have, nor represent that it has, any authority to make any commitments on the other party’s behalf.

17.7 Each Client shall at WAGO’s request and at its own expense execute and do any deeds and other things reasonably necessary to carry out the provisions of the Contract or to make it easier to enforce.

17.8 If any provision of the Contract is prohibited by law or judged by a court to be unlawful, void or unenforceable, the provision shall, to the extent required, be severed from the Contract and rendered ineffective as far as possible without modifying the remaining provisions of this agreement, and shall not in any way affect any other circumstances of or the validity or enforcement of the Contract.

18. Rights of Third Parties

A person who is not a party to the Contract shall not have any rights under or in connection with it.

19. Notices

19.1 Any notice required to be given under the Contract shall be in writing and shall be delivered personally, or sent by pre-paid first-class post, recorded delivery or by commercial courier to the other party.

19.2 Any notice shall be deemed to have been duly received if delivered personally, when left at the address, if sent by pre-paid first-class post or recorded delivery, at 9.00 am on the second working day after posting, or if delivered by commercial courier, on the date and at the time that the courier’s delivery receipt is signed.

19.3 This clause 30 shall not apply to the service of any proceedings or other documents in any legal action.

19.4 A notice required to be given under the Contract shall not be validly served if sent by e-mail.

20. Governing Law and Jurisdiction

20.1 The Contract, and any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims), shall be governed by, and construed in accordance with, the law of England and Wales.

20.2 The parties irrevocably agree that the courts of England and Wales shall have non-exclusive jurisdiction to settle any dispute or claim that arises out of, or in connection with, the Contract or its subject matter or formation (including non-contractual disputes or claims). The parties’ submission to this jurisdiction does not limit the rights of WAGO to commence any proceedings arising out of this Agreement in any other jurisdiction it may consider appropriate.

TERMS OF WEBSITE USE

This page (together with the documents referred to on it) tells you the terms of use on which you may make use of our website https://www.wagobank.com (our site), whether as a guest or a registered user. Please read these terms of use carefully before you start to use the site. By using our site, you indicate that you accept these terms of use and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using our site.

Information About Us

https://www.wagobank.com is a site operated by WAGO International BANK. WAGO is a company duly incorporated and registered in the Union of Comoros under company registration number 16117. The registered office of the Company is situated at Hamchako, Mutsamudu, on the Autonomous Island of Anjouan, Union of Comoros. The Company holds a valid banking license under number L16117/WB, and its date of incorporation is 14 August 2025.

Accessing Our Site

Access to our site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our site without notice (see below). We will not be liable if for any reason our site is unavailable at any time or for any period.

From time to time, we may restrict access to some parts of our site, or our entire site, to users who have registered with us.

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these terms of use.

You are responsible for making all arrangements necessary for you to have access to our site. You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms, and that they comply with them.

Intellectual Property Rights

We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from our site for your personal reference and you may draw the attention of others within your organization to material posted on our site.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of material on our site must always be acknowledged.

You must not use any part of the materials on our site for commercial purposes without obtaining a license to do so from us or our licensors.

If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Reliance on Information Posted

Commentary and other materials posted on our site are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our site, or by anyone who may be informed of any of its contents.

Our Site Changes Regularly

We aim to update our site regularly, and may change the content at any time. If the need arises, we may suspend access to our site, or close it indefinitely. Any of the material on our site may be out of date at any given time, and we are under no obligation to update such material.

Our Liability

The material displayed on our site is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby expressly exclude:

• All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.
• Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our site or in connection with the use, inability to use, or results of the use of our site, any websites linked to it and any materials posted on it, including, without limitation any liability for:
  • loss of income or revenue;
  • loss of business;
  • loss of profits or contracts;
  • loss of anticipated savings;
  • loss of data;
  • loss of goodwill;
  • wasted management or office time; and for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable, provided that this condition shall not prevent claims for loss of or damage to your tangible property or any other claims for direct financial loss that are not excluded by any of the categories set out above.

This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.

Information About You and Your Visits to Our Site

We process information about you in accordance with our Privacy Policy. By using our site, you consent to such processing and you warrant that all data provided by you is accurate.

Transactions Concluded Through Our Site

Contracts for the supply of services formed through our site or as a result of visits made by you are governed by our Terms and Conditions.

Uploading Material to Our Site

Whenever you make use of a feature that allows you to upload material to our site, you must comply with the content standards set out in this policy. You warrant that any such contribution does comply with those standards, and you indemnify us for any breach of that warranty.

Any material you upload to our site will be considered non-confidential and non-proprietary, and we have the right to use, copy, distribute and disclose to third parties any such material for any purpose. We also have the right to disclose your identity to any third party who is claiming that any material posted or uploaded by you to our site constitutes a violation of their intellectual property rights, or of their right to privacy.

We will not be responsible, or liable to any third party, for the content or accuracy of any materials posted by you or any other user of our site.

Viruses, Hacking & Other Offences

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorized access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack.

By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any material posted on it, or on any website linked to it.

Linking to Our Site

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

You must not establish a link from any website that is not owned by you.

Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page. We reserve the right to withdraw linking permission without notice.

If you wish to make any use of material on our site other than that set out above, please address your request to info@wagobank.com.

Links from Our Site

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.

Jurisdiction and Applicable Law

The Comoran courts will have exclusive jurisdiction over any claim arising from, or related to, a visit to our site although we retain the right to bring proceedings against you for breach of these conditions in your country of residence or any other relevant country.

These terms of use and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales.

Variations

We may revise these terms of use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we made, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our site.

WAGO and its affiliates do not provide tax, legal or accounting advice. Material on this page is for informational purposes only and is not advice. Consult your own advisors for tax, legal or accounting matters.