Terms Of service atomicmortgage.com and its apps

By accessing The website "atomicmortgage.com" and its apps on Apple AppStore & Google Play (hereinafter "the Website"), you agree to the following terms:

The Website serves as a representative platform for "atomicmortgage.com", and you are invited to participate in it subject to your agreement to the terms of use detailed below.

In addition, the use of the Website, including all its content and services, file downloads, media such as images and videos, and various content offered to visitors, may change from time to time or depending on the type of content.

The Website’s management reserves the right to update the terms of use presented below from time to time without prior notice or special mention in the Website’s various channels.

Intellectual Property and Copyright

The Website, as well as all the information contained therein, including the Website’s design, code, media files such as calculators, graphics, videos, images, texts, downloadable files, and any other material displayed on the Website (hereinafter "the Information"), is wholly owned by the aforementioned Website and constitutes the exclusive intellectual property of "atomicmortgage.com". No use may be made of them without prior written permission from "atomicmortgage.com".

In addition, you may not distribute, copy, reproduce, publish, imitate, or process code snippets, calculators, graphics, videos, trademarks, or any other media and content without prior written permission.

Website Content and Disclaimer

The Website’s management strives to provide the information displayed on the Website without interruptions. However, due to technical considerations, third-party issues, or other reasons, there may be interruptions in the Website’s availability. Therefore, we cannot guarantee that the Website will be available to you at all times, and no financial or other compensation will be provided for service interruptions or the Website downtime.

Although efforts have been made to compile and process the content managed on the Website—articles, texts, pages, calculators, images, files, etc. (hereinafter "the Content")—errors may occur during their collection, processing, and publication. If you wish to use this Content, you must verify and validate it. Their publication does not constitute a recommendation or professional opinion and does not serve as a substitute for professional advice. Therefore, any decision regarding the use of the Content found on the Website is your sole responsibility.

The Content on the Website is provided as is (AS IS). It may change from time to time. It cannot be tailored to the needs of every individual. You will have no claim, demand, or lawsuit against the Website regarding the characteristics of the Content, its capabilities, limitations, suitability for your needs, or the reactions it may provoke.

Links to external websites do not guarantee that those websites are safe, high-quality, or reliable. Visiting them is at your sole discretion and falls under the exclusive responsibility of the Website’s user.

The Content offered on the Website is the exclusive property of "atomicmortgage.com", and no use may be made of it that contradicts these terms, except in cases where it is explicitly stated otherwise or where it is indicated that the copyrights belong to an external entity. In such cases, you must review the terms of use provided in the attached link and act according to the terms specified on the external website owning the Content.

If you are dissatisfied with the Information and/or Content of the Website, your sole remedy is to discontinue using the Website.

Use of Online Communities

The Website includes bulletin board services, comment sections (talkbacks), chat, forums, communities, and/or other messaging or communication services, or any other text or content integrated into the Website by users (collectively: "Communities"). You undertake to use the Communities solely for sending and receiving messages and materials appropriate for each specific forum. By way of example, and without limitation, you undertake not to take the following actions while using a Community:

Defamation, insult, harassment, stalking, threats, or any other violation of the legal rights of others (such as the right to privacy and publicity).
Publishing, uploading, or distributing content, topics, names, materials, or information that is offensive, obscene, defamatory, infringing, vulgar, indecent, or prohibited by law.
Uploading content, links, or any other material subject to third-party rights, including intellectual property rights, privacy rights, publicity rights, etc., unless those rights are under your control or you have obtained all necessary permissions.
Publishing links to other websites containing computer viruses of any kind, including Trojan horses, worms, or any other file that may damage, harm, alter, or transmit information belonging to another user without their knowledge or consent, faulty files, or any similar software or program that may cause damage or impair the operation of another computer.
Publishing or offering for sale goods or services for commercial purposes.
Conducting or distributing surveys, contests, pyramid schemes, or chain letters.
Downloading a file or other content published by another user in a forum, which you know, or should reasonably know under the law, is prohibited from being distributed in this manner.
Forging or deleting author attribution, legal or other notices, or any indication of exclusivity or designation indicating the source of content, articles, software, or other materials included in a file, text, or image uploaded or otherwise made available online.
Restricting or preventing another user’s use and enjoyment of the Communities.

Despite the Website management’s right to monitor, review, approve, remove, or delete content, messages, or information appearing in the various Communities, including any offensive or infringing content that violates these terms of use, the Website management does not undertake to review, supervise, or monitor the content integrated into the channel. Even if it conducts checks on such content, it does not guarantee that it will identify such content or remove it from the channel before it is exposed to Website users or at all.

The Website management is not responsible for the publication of such content or for any damages resulting from its publication, including but not limited to harm to users’ feelings or the publication of content that users find offensive, inappropriate, illegal, immoral, or contrary to public policy. The Website management bears no responsibility for the content of such materials.

The Website management does not endorse the publication of user-generated content. Such content does not reflect the position of the Website management, and its use is at the user’s sole discretion. It should not be regarded as any form of advice.

If inappropriate content as detailed above is found, it should be reported immediately via the Website’s Contact Form, and the Website management will address it accordingly.

You acknowledge that all Communities are public, not private, communications, and therefore your messages may be read by others without your knowledge. You should always exercise caution when publishing personally identifiable information about yourself, your financial details, or your children in any Community. Without detracting from the generality of the above, by posting messages, uploading files, entering data, or engaging in any other form of communication through the Website, you grant the Website management the following rights:

Use, modification, copying, distribution, transmission, public display, public performance, reproduction, publication, sublicensing, creation of derivative works, transfer, or sale of such communications.
Granting sublicenses to other parties, including the right to exercise, without limitation, the aforementioned rights in connection with such communications.

The above includes the right to exploit any proprietary rights in such communications, including but not limited to rights under copyright, trademark, service mark, or patent laws in any relevant jurisdiction.

User and Visitor Management

The Website management reserves the right to terminate your access to the Communities, in part or in whole, at any time and for any reason, without prior notice. It also reserves the right to disclose information as required to comply with applicable laws, regulations, legal proceedings, or requests from authorized authorities, and to edit, refuse to publish, or remove any information or material, in part or in whole, at its sole discretion.

The Website management reserves the right to block any user, whether by blocking the IP address of their computer, the MACID of their computer, or based on their country of origin, without needing to provide a reason acceptable to the user.

The Website management will make every effort to protect the details of registered users/subscribers. In cases where a third party gains access to this information, it is agreed that users, members, and visitors to the Website will have no claim, demand, or lawsuit against the "atomicmortgage.com" Website team.

Privacy Policy

You are invited to read the Website’s updated Privacy Policy, which forms an integral part of these terms of use. As the Privacy Policy may change from time to time, it is recommended that you review the policy document periodically.

Indemnification

You undertake to indemnify the Website’s owners and management, or anyone on their behalf, for any damage, loss, loss of profit, payment, or expense incurred by them—including attorney fees and legal costs—due to a breach of these terms of use. Additionally, you will indemnify the Website’s owners and management, or anyone on their behalf, for any claim, demand, or lawsuit brought against them by any third party as a result of content you provided for publication on the Website or links you made to the Website.

Jurisdiction

When using the Website, and in the event of any dispute, you agree that the above is subject to the exclusive jurisdiction of Israeli or USA law, with the Israeli or USA court system being the sole venue for resolving disputes.

Contact

If you encounter any issues related to the aforementioned Website, you can send a message via the Contact Page.

Extended Terms of Use for Apps (In the app stores and in the Website)

The use of the apps on Apple AppStore & Google Play (hereinafter "the Applications") and the services and information provided by the Applications are solely for planning and providing a general overview of the mortgages, loans or any kind of finance calculations you do. The information provided is not guaranteed to be accurate, and as you will discover when obtaining a mortgage or loan or any financial instrument from a bank, the data will certainly differ at the time of signing the financial service (mortgage, loan etc) with the bank. The likelihood that the data will be somewhat similar or accurate is entirely esoteric and unusual. The information presented in the Applications is partial and summarized for the viewer and user as an estimate for the financial calculation (mortgage, loan etc).

The use of the Applications and the services it currently offers or will offer in the future is subject to the following terms:

You, as a user or another user to whom you provide the phone or tablet on which the Applications are installed (hereinafter "the Device"), fully agree to all the provisions and terms in this section and all subsequent sections.
The information displayed in the Applications is temporary and partial and intended for display purposes only. You must consult designated sources for accurate and standard information and not rely on the aforementioned information.
The information calculated and processed as a result of entering your data (and that of other users on the Device) in the Applications does not constitute an actual finanacial structure/service provided by the bank or any other entity. It does not provide a recommendation, opinion, or substitute for your independent judgment. Any decision you make is your sole responsibility, and you should not rely on the Applications, its owners, or its developers. You acknowledge that no guarantees are provided for using the Applications, and therefore, no accusations can be made against the Applications owners or developers.
The Applications owners and/or developers are not responsible for the content and/or services on websites to which they are linked.
The Applications should not be regarded as guidance or advice for other financial information (such as capital markets, pensions, training funds, executive insurance, loans, current account management, etc.).
The Applications owners and developers are not a party to any transaction, in whole or in part, conducted directly or indirectly through the Applications (including referrals to financial consulting after submitting a request for consultation) between users of the Application and any third party. They are also not responsible for any matter between the parties to the transaction, in any form, including its approval, execution, terms, or nature.
As a user of the Applications, you acknowledge that the Applications stores information about your activity within the Applications and analyzes it, and you consent to this which is elaborated in the Privacy Policy. You also consent to the use of other technologies deemed appropriate by the Applications, such as localStorage, WebSQL, etc.
The Applications owners have the full right to update the Applications, partially or fully discontinue its operation, and/or sell it to any third party.