Terms of Use

1. Acceptance and scope

These Terms of Use ("Terms") form a binding agreement between you and the operators of Financepedia ("Financepedia", "we", "us", "our"), the reference website available at financepedia.wiki, its Hebrew edition, and any sub-domain, feed, sitemap, embedded widget or machine-readable output we publish (together, the "Service"). By accessing, browsing, reading, searching, linking to, quoting, submitting content to, or otherwise using the Service, you confirm that you have read, understood and agree to be bound by these Terms, our Privacy Policy, our Cookie Policy, our Editorial Policy and our Methodology, each of which is incorporated by reference.

If you use the Service on behalf of an organisation, you represent that you are authorised to accept these Terms on its behalf, and "you" includes that organisation. If you do not agree to these Terms, you must not use the Service. These Terms apply to every visitor, including casual readers, registered editors, administrators, researchers, journalists, automated agents and anyone who submits a suggestion or correction.

Some features — such as the editorial review area — are subject to additional rules communicated at the time access is granted. Where those rules conflict with these Terms, the more specific rules prevail for that feature only.

2. Nature of the Service

Financepedia is a general-purpose reference work about financial institutions, regulators, people, products, funds, markets and concepts, with a focus on Israel and on selected global jurisdictions. Entries are written to be neutral, descriptive and source-backed. Each factual claim is intended to be linked to a cited source, and each change to an entry is stored as a separate, versioned revision.

The Service is not open for public editing. Readers may propose corrections and additions, but only authorised editors can approve and publish changes. The absence of a reader-editable model is deliberate and is part of how we try to keep content accurate; it does not mean that content is free of error.

Financepedia uses software tools, including automated drafting and research assistance, as part of its editorial process. Output from such tools is never published directly: every entry passes through sourcing, citation-checking and human review before it appears on the Service, as described in the Methodology. The use of tools does not change your rights or our obligations under these Terms.

3. No financial, investment, legal or tax advice

Nothing on the Service constitutes financial, investment, securities, pension, insurance, credit, legal, accounting or tax advice, or a recommendation, solicitation or offer to buy, sell, hold or subscribe for any financial product, or to engage any institution or person. Financepedia is not licensed as an investment adviser, investment marketer, portfolio manager, pension adviser, insurance agent or broker under the Israeli Regulation of Investment Advice, Investment Marketing and Portfolio Management Law, 5755-1995, or under equivalent laws in any other jurisdiction, and does not provide any service that requires such a licence.

Entries describe institutions and products in general terms. They do not take into account your personal circumstances, objectives, financial situation, risk tolerance, tax position or needs. Descriptions of returns, fees, ratings, performance, market share, capital ratios or other figures are historical and informational; past performance is not indicative of future results. Mention of an institution or product is not an endorsement, and omission is not a criticism.

Before making any financial decision you should obtain advice from an appropriately licensed professional and consult the primary documents of the relevant institution or product — for example prospectuses, regulatory filings, key information documents and official fee schedules. You alone are responsible for decisions you make, and you agree not to rely on the Service as the sole or primary basis for any decision.

4. Accuracy, errors and outdated information

We work to keep entries accurate, sourced and current, and each entry displays the date on which it was last verified. Nevertheless, financial information changes frequently — institutions merge, executives change, licences are granted or revoked, figures are restated and regulations are amended. Accordingly:

• Content may be incomplete, contain errors, or be out of date at the moment you read it.
• A figure or statement may be accurate as of the cited source's date but no longer accurate today. The "last verified" date refers to the entry's most recent review, not to every underlying fact.
• A cited source may itself contain errors, be later corrected by its publisher, or reflect one party's position in a dispute. A citation shows where a claim comes from; it does not guarantee that the claim is true.
• Translations between the English and Hebrew editions may differ in wording, emphasis or timing of updates. Where the editions conflict, neither is automatically authoritative; consult the cited sources.
• Automated conversions — currency, dates, numeric formatting and transliteration of names — may introduce rounding differences or variant spellings.

If you believe an entry is wrong, misleading, outdated or unfair, please use the "Suggest a correction" form on the entry. We review every correction request under the process described in the Editorial Policy. Where we confirm an error we correct it in a new revision, and where the correction is material we note it in the entry's change summary. We do not undertake to correct any particular item within any particular time, and a correction does not create liability for the prior version.

5. Sources, citations and unavailable sources

Entries cite external sources such as regulator publications, company filings, official statistics, court decisions, reputable news organisations and academic works. Sources are assigned trust tiers as described in the Methodology. You acknowledge that:

• Sources may become unavailable. External web pages may be moved, edited, placed behind a paywall, removed, blocked in your jurisdiction, or taken offline. Where we hold an archived copy we may link to it, but we cannot guarantee that an archive exists or remains accessible.
• Sources may change after citation. A publisher may update a page after we cite it. The cited version is the one we consulted at the time of the revision; the current version may differ.
• Sources are third-party content. We do not control, endorse or accept responsibility for external sites, their accuracy, their security, their privacy practices, or any product or service they offer. Following an external link is at your own risk, and that site's own terms apply.
• Paywalled or offline sources. Some citations refer to printed works, subscription databases or documents not freely available online. Their inclusion is valid even though you may not be able to access them without cost.

If you find a broken, misattributed or unreliable citation, please report it through the correction form. We may replace the source, add an archive link, downgrade its trust tier, or remove the claim it supports if no adequate replacement exists.

6. Availability of the Service

The Service is provided on an "as available" basis. We may, at any time and without notice, modify, suspend or discontinue any part of the Service, including specific entries, languages, search features or machine-readable outputs. We may also experience interruptions due to maintenance, updates, hosting-provider failures, network outages, denial-of-service attacks or events beyond our reasonable control.

We do not guarantee that the Service will be uninterrupted, timely, error-free or compatible with every device, browser, assistive technology or network configuration, although we aim for broad compatibility as described in our Accessibility Statement. We are not obliged to maintain historical versions of entries for public display, although we retain internal revision history.

7. Acceptable use

You agree to use the Service only for lawful purposes and in accordance with these Terms. You must not:

• Use the Service, or any content from it, to mislead others — including presenting an excerpt out of context to suggest a meaning the entry does not carry, or presenting Financepedia as endorsing a product, institution, person or investment.
• Use content to market, promote or sell financial products, or in connection with any fraudulent, manipulative or deceptive scheme, including market manipulation, "pump and dump" activity or impersonation of a financial institution.
• Access, or attempt to access, any non-public part of the Service, including the editorial area, database, administrative interfaces or other users' accounts, without authorisation.
• Probe, scan or test the vulnerability of the Service, or breach or circumvent any security or authentication measure, except as permitted under our responsible-disclosure terms below.
• Introduce malware, viruses, worms, trojans or any harmful code, or interfere with the proper working of the Service or of any user's device.
• Send automated requests at a volume that degrades the Service for others, or ignore the directives in our robots.txt file or any rate limit we apply.
• Submit suggestions that are spam, advertising, defamatory, harassing, discriminatory, obscene, threatening, or that infringe any third party's rights, or that contain personal data about other people without a lawful basis.
• Attempt to inject instructions, hidden text or other content intended to manipulate our editorial tools, search index, or any automated system that processes submissions.
• Impersonate any person, including a Financepedia editor or a representative of an institution described on the Service, or misrepresent your affiliation with any person or organisation.
• Use the Service in violation of any applicable law, regulation, sanction or export control.

We may investigate suspected violations and may, at our discretion and without liability, block access, reject submissions, suspend accounts, preserve evidence, and cooperate with law-enforcement authorities or affected parties where required or permitted by law.

8. Automated access, crawling and AI systems

Search engines and answer engines may index the Service in accordance with our robots.txt file. Limited automated access for research, archiving or indexing is permitted when it respects robots.txt, identifies itself with an honest user-agent, and does not degrade performance. Systematic bulk download of the Service, creation of a substitute database, or reproduction of substantial parts of the Service in another product requires our prior written consent.

Where an AI system, answer engine or other automated tool summarises or quotes Financepedia, we are not responsible for inaccuracies introduced by that system. If you rely on such a summary, verify it against the entry itself and its cited sources.

9. Reader suggestions and corrections

When you submit a suggestion, correction, source or other material ("Submission"), you confirm that it is accurate to the best of your knowledge, that you have the right to share it, and that it does not breach anyone's rights or any law. You grant Financepedia a worldwide, perpetual, irrevocable, royalty-free, non-exclusive licence to use, reproduce, adapt, translate, publish and incorporate the Submission into the Service, without attribution or compensation.

We are under no obligation to accept, act on, respond to or publish any Submission. Editors may accept, modify, partially adopt or decline a Submission at their discretion, and a declined Submission may be retained for audit purposes as described in the Privacy Policy.

If you represent an institution or person described in an entry, you may submit corrections, but you must disclose that relationship in your Submission. Undisclosed conflicts of interest may lead us to disregard a Submission. Being the subject of an entry does not grant a right to control its content; we will, however, consider factual corrections supported by reliable sources and will handle legally-grounded complaints under section "Complaints and takedown requests" below.

10. Editor accounts and security

Editor and administrator accounts are granted at our discretion. If you hold an account, you must keep your credentials confidential, use a strong unique password, not share your account, and notify us immediately of any suspected unauthorised access. You are responsible for all activity under your account until you notify us.

Editors must follow the Editorial Policy, must disclose conflicts of interest, and must not use their access to publish unsourced claims, promotional material or content favouring any party. We may revoke access at any time, and all changes made by editors are logged and attributable.

Responsible disclosure. If you discover a security vulnerability, please report it privately through the correction form marked "security", without accessing data beyond what is necessary to demonstrate the issue, without disrupting the Service, and without disclosing the issue publicly until we have had a reasonable opportunity to fix it. We will not pursue legal action against good-faith research that follows these rules.

11. Intellectual property

The Service, including its original text, structure, selection and arrangement of content, databases, design, logos, illustrations, software and trade marks, is owned by or licensed to Financepedia and is protected by copyright, database, trade-mark and other laws. The name "Financepedia" and the Financepedia logos may not be used without permission in any way that suggests affiliation or endorsement.

You may read and print entries for personal, non-commercial use, and you may quote brief excerpts for commentary, criticism, news reporting, teaching or research, provided you attribute Financepedia, link to the relevant entry, and do not alter the meaning of the excerpt. Any other reproduction, distribution, modification, public display or commercial use requires our prior written permission.

Names, logos and trade marks of institutions described on the Service belong to their respective owners and are used for identification only. Quoted material from cited sources remains the property of its owners and is used under applicable exceptions such as fair use or fair dealing.

12. Complaints and takedown requests

If you believe content on the Service infringes your copyright, is defamatory, violates your privacy, or is otherwise unlawful, submit a request through the correction form on the relevant entry, marked "legal", including: your contact details; the exact URL and passage concerned; the legal basis of your complaint; supporting evidence; and a statement that the information in your request is accurate.

We review such requests promptly and may temporarily restrict the content while reviewing. We will balance your request against the public interest in accurate reference information and freedom of expression. We may decline requests that are unsupported, that seek to remove accurate and well-sourced information of public interest, or that are made in bad faith. Knowingly false requests may expose the requester to liability.

13. Disclaimer of warranties

To the maximum extent permitted by law, the Service and all content are provided "as is" and "as available", without warranties of any kind, whether express, implied or statutory, including warranties of accuracy, completeness, timeliness, reliability, merchantability, fitness for a particular purpose, non-infringement, security, or that the Service will be free of viruses or harmful components. No advice or information obtained from the Service creates any warranty not expressly stated in these Terms.

14. Limitation of liability

To the maximum extent permitted by law, Financepedia, its operators, editors, contributors and service providers will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for any loss of profits, revenue, investments, savings, data, goodwill or business opportunity, arising out of or relating to your use of, or inability to use, the Service, any content on it, any error or omission, any unavailable source, any external site, or any unauthorised access to our systems — whether based on contract, tort (including negligence), statute or otherwise, and even if we were advised of the possibility of such damages.

Because the Service is provided free of charge, our total aggregate liability for any claim relating to the Service is limited to one hundred Israeli new shekels (ILS 100). Nothing in these Terms excludes liability that cannot be excluded by law, including liability for fraud or for death or personal injury caused by negligence.

15. Indemnity

You agree to indemnify and hold harmless Financepedia and its operators, editors and service providers from any claim, demand, loss, liability, cost or expense (including reasonable legal fees) arising out of your breach of these Terms, your misuse of the Service, your Submissions, or your violation of any law or of any third party's rights.

16. Governing law and jurisdiction

These Terms are governed by the laws of the State of Israel, without regard to conflict-of-laws rules. The competent courts in Tel Aviv-Yafo have exclusive jurisdiction over any dispute arising from or relating to these Terms or the Service, except that we may seek injunctive relief in any competent court. If you are a consumer resident elsewhere, you retain any mandatory protections afforded by the law of your country of residence.

17. Changes, severability and general terms

We may amend these Terms from time to time. The "Last updated" date shows the current version. Material changes will be highlighted on this page. Your continued use of the Service after a change takes effect constitutes acceptance of the amended Terms.

If any provision of these Terms is held invalid or unenforceable, it will be enforced to the maximum extent permissible and the remaining provisions will remain in full force. Our failure to enforce any provision is not a waiver. You may not assign your rights under these Terms; we may assign ours in connection with a reorganisation or transfer of the Service. These Terms, together with the documents incorporated by reference, are the entire agreement between you and us regarding the Service. Where these Terms are made available in more than one language, the English version prevails to the extent of any inconsistency.

18. Contact

Questions about these Terms can be sent through the correction form on any entry, marked "legal".