finSPOT — Terms of Use

The website finspot.ge and the services offered through it (the Service) are operated by finSPOT LLC (შპს ფინსპოტი), a limited liability company, registered in Georgia under identification number 405751878, with its registered/business address at Georgia, Tbilisi, Saburtalo District, Guram Panjikidze I Lane, No. 7, Floor 3, Apartment No. 5 (finSPOT, we, us).

For support, corrections, permissions, complaints, legal notices and privacy requests, contact info@finspot.ge. Please identify the relevant page and explain your request.

These Terms describe the conditions on which we offer access to the Service, including its company profiles, financial tables, comparisons, sector information, articles, videos and any interfaces we expressly make available to you.

You agree to these Terms when you affirmatively select the acceptance control presented during registration, account activation or a request to accept an updated version, or when you enter into a licence incorporating them. You can read and save the Terms before accepting. You may correct registration information before submitting it. Account access becomes available once authentication and required acceptance are complete.

For visitors who have not affirmatively accepted, these Terms provide notice of our permitted uses and rights reservations. Any contractual effect of browsing depends on applicable law and the circumstances; publication alone does not establish that every visitor or automated client has agreed. Statutory rights apply independently of contractual acceptance.

If you do not agree, do not activate or continue using an account feature that requires acceptance. You may still contact us, read legal notices and exercise rights provided by law. If you act for an organisation, you must have authority to accept for it; otherwise, any permission granted to you is personal.

finSPOT organises information about businesses, including information obtained from publicly available financial filings and other sources. We may standardise presentations, classify companies, calculate metrics, select peer groups and add our own analysis. A reference to a company does not imply its endorsement, sponsorship or affiliation.

The Database is the organised collection of company records, financial information, classifications, comparative information and related materials made individually accessible through the Service. Content includes our articles, commentary, charts, videos, visual designs and software, as well as material made available with third-party permission.

We reserve the copyright, database-producer rights and other rights that we own or are authorised to exercise. These include rights in original expression and protectable selection or arrangement, and rights in the Database where the requirements of Georgian law are met, including the required substantial investment in obtaining, acquiring, verifying or presenting its contents.

We do not claim exclusive ownership of public facts, independently obtained source information, mathematical formulas, general methods, or every individual financial figure. A calculated value or classification is not automatically a separate copyrighted work. Third-party filings, logos, trademarks and other materials remain subject to their owners’ rights. Our permission does not grant rights that belong to others.

Public availability of a source filing does not by itself grant permission to copy a protected finSPOT compilation or our original commentary. No ownership is transferred to you by viewing the Service, creating an account or paying for access.

Subject to these Terms and any additional written licence, you may:

• View, search, compare and analyse information through the features made available to you for personal, academic and professional purposes, including internal business research.
• Incorporate limited extracts, individual figures and brief quotations into your own reports, presentations, articles and client work, including commercial work, where they support your own analysis and do not reproduce a substantial part of the Database or substitute for the Service.
• Link to publicly accessible finSPOT pages and use normal browser caching, printing and accessibility functions for permitted purposes.

For uses relying on our permission, identify finSPOT as the source and, where practical, link to the relevant page. Retain relevant dates, units, reporting basis and qualifications so that an extract is not misleading. Do not imply that finSPOT endorses your conclusions.

These permissions do not create a numerical safe harbour. Qualitative importance, cumulative extraction and context matter. Section 8 preserves uses allowed by law, including where permission or attribution is not legally required.

Our permission for ordinary use does not include automated harvesting, bulk downloading, scripted extraction or the operation of agents that systematically collect Service data. Obtain a written licence before undertaking those activities unless an applicable legal exception permits them.

We permit operators of general-purpose search engines to crawl publicly accessible pages at reasonable rates for conventional search indexing and to display links and limited search-result snippets, provided they respect applicable robots.txt directives and actual access restrictions. Ordinary social-link previews are also permitted on that limited basis. This permission excludes authenticated content, bulk data feeds, database replication and model-training datasets.

Search permission does not grant a general licence for AI answer services, retrieval databases or model training. Use beyond conventional indexing and snippets requires a separate written licence, subject to Section 8. A permissive robots.txt rule describes crawler access; it does not grant ownership or unrestricted reuse rights. Neither robots.txt nor a user-agent string establishes identity or constitutes an authentication system.

Assistive technologies, browser translation, password managers and ordinary browser functionality used to assist an individual’s permitted use are allowed. They must not be used as a means of systematic extraction or circumvention.

Except with our written permission or as preserved by Section 8, you must not:

1. Extract, transfer, reproduce or make available the whole or a qualitatively or quantitatively substantial part of the Database, including by collecting company records separately over time.
2. Repeatedly or systematically extract or reuse small portions in a manner that conflicts with normal exploitation of the Database and unjustifiably prejudices the producer’s legitimate interests.
3. Harvest or reconstruct the Database through scripts, crawlers, headless browsers, automated agents, shared accounts or coordinated manual collection.
4. Resell, sublicense, syndicate or distribute protected Database content, or use it to supply a substitute database, competing data feed or lookup service. Competition based on independently obtained information is not prohibited by this clause.
5. Build model-training or fine-tuning datasets, evaluation datasets, embedding indexes, vector stores or retrieval corpora from protected Content or Database material through systematic collection, or use substantial portions for those purposes. This clause does not prohibit lawful use of isolated facts or uses expressly preserved by Section 8.
6. Evade an access denial, authentication requirement, rate limit or verification challenge, including by rotating identities, accounts, proxies or IP addresses for that purpose; obtain another user’s credentials; or access non-public systems without authorisation.
7. Deliberately misrepresent the identity or purpose of an automated client, impersonate another person, interfere with security, introduce malicious code or impose an unreasonable load on the Service.
8. Remove rights-management information, attribution or ownership notices from protected material, or misrepresent our material as your own.
9. Reverse engineer protected software beyond what applicable law permits, or facilitate another person’s prohibited use.

These contractual restrictions do not determine whether conduct is a civil infringement or a criminal offence. That depends on the applicable legal requirements and evidence.

Nothing in these Terms excludes or restricts rights that applicable law does not allow us to exclude or restrict. In particular, we preserve lawful users’ rights concerning insignificant parts of a publicly available database under Article 55 of the Law of Georgia on Copyright and Related Rights, subject to the statutory conditions and third-party rights.

Applicable exceptions, including qualifying teaching, scientific-research, public-security and administrative or judicial uses, remain available within their legal scope. The personal-use exception for a substantial part of a non-electronic database is not represented here as a general exception for downloading an electronic database.

This section prevails over any conflicting restriction in these Terms, including attribution, automation and AI-related restrictions. No licence purchase is required solely to exercise a use that the law permits without our permission.

Provide accurate registration information and keep your access credentials secure. Accounts are for the named user unless an organisational licence expressly provides otherwise. Do not share credentials or sell or transfer account access.

You must have the legal capacity or authority required to enter into the agreement. Contact us promptly if you suspect unauthorised access. You are responsible for your conduct and for access you knowingly authorise; you are not automatically responsible for every unauthorised act involving your account irrespective of fault.

Registration and sign-in do not grant bulk-access, redistribution or API rights. Technical availability of an endpoint does not establish permission to use it.

These Terms do not themselves start a subscription, impose a payment or authorise automatic renewal. Any paid service, organisational access, API access or bulk-use permission requires a separate offer and acceptance stating its scope, permitted users, total price and applicable taxes, duration, cancellation and refund terms, and any renewal arrangements.

Before a consumer purchase, we will supply the information and any withdrawal or cancellation rights required by applicable law. Any legally required consent to early performance or acknowledgment concerning a withdrawal right must be collected separately where applicable. A statement in these Terms does not waive those rights.

A separately agreed licence prevails for its specific subject matter where it expressly differs from these Terms. Payment for one permission does not imply permission for other uses.

We take reasonable care in presenting information, but source filings may contain errors, estimates, later restatements or omissions. Our normalisations, peer selections and classifications involve judgment and may differ from other analyses. Check the relevant reporting period, currency, units, consolidated or standalone basis and source documents before relying on a figure.

The Service supplies general information and analysis. It is not a personalised investment recommendation, audit opinion, or financial, legal, tax or accounting advisory engagement, and is not an offer or solicitation to transact. Seek qualified advice where your decision requires it.

Please report suspected errors with the page link and supporting information. We may correct or update material and explain material revisions. We do not guarantee uninterrupted availability or that every item is current at all times, subject always to mandatory law and any express service commitment.

Third-party links, sign-in services and optional embedded media may be subject to their providers’ terms and privacy notices. We do not control those services. The Privacy Policy explains related data processing and choices.

If you send us corrections, feedback or material for a company profile, you retain your rights and must have authority to share it. You give us a non-exclusive permission to review it and use it to address your request. Public reproduction of your submitted text, images or other protected material requires your publication instruction or a separate agreement; sending a confidential document does not grant us an unrestricted publishing licence. We may independently verify and correct factual information.

Our Privacy Policy explains personal-data processing, providers, retention and your rights. Contract acceptance is separate from consent to optional analytics, external media or marketing.

We may use proportionate authentication, bot detection, rate limits and technical access records to secure the Service and investigate suspected misuse. Relevant records may be preserved or disclosed for lawful claims or legal obligations, subject to applicable privacy requirements. A bot score or network address alone is not conclusive proof of a person’s wrongdoing.

We may limit or suspend access where reasonably necessary to address a suspected breach, a security risk, unlawful use or a legal requirement. Measures may include challenges, rate limits and account or network restrictions. We will seek to make them proportionate to the risk.

Where practicable, we will explain an account restriction and allow you to respond or remedy a breach. We may act without advance notice where delay would create a security or legal risk. You may request human review at info@finspot.ge.

You may stop using the Service and request account closure at any time. Closure does not cancel accrued lawful obligations or erase records that we have a lawful reason to retain. If we discontinue a paid service or terminate it without user breach, applicable refund rights and the agreed paid-service terms remain effective.

Where supported by the facts and applicable law, we may seek cessation of infringement, protective court measures, damages or other available remedies, including remedies for database producers under Georgian law. We will comply with any applicable notice and procedural requirements.

Unauthorized use does not automatically create a purchased licence, an agreed debt or a fixed penalty. Any compensation claim must have an applicable contractual or statutory basis. Genuine comparable licensing arrangements may be relevant evidence of value; a price list is not conclusive proof of damages. We do not claim cumulative recovery of remedies that the law treats as alternatives.

Each party remains responsible for its breaches in accordance with applicable law. To the extent permitted by law, we do not guarantee a business or investment outcome from using the Service, and are not responsible for losses caused solely by independent third-party services or decisions outside our reasonable control.

Nothing in these Terms excludes liability for intentional misconduct, gross negligence, infringement of mandatory consumer rights or any other liability that cannot lawfully be excluded or limited. These Terms do not impose a blanket consumer indemnity or an automatic monetary cap on all claims. Any negotiated business-service allocation of risk must be set out in the relevant separate agreement and comply with applicable law.

We publish the current Terms with their version and effective date and retain prior versions. We will give at least 30 days’ advance notice of material contractual changes through a prominent account notice or email, unless a shorter period is reasonably necessary for a legal or security requirement, in which case we will explain it where lawful.

Where material changes require acceptance, we will request it before continued use of affected account features. Silence, scrolling, cookie acceptance or historical browsing is not treated as that affirmative acceptance. Changes do not retrospectively impose new obligations on completed use. You may stop using the affected features if you do not agree; mandatory rights and any existing paid-service rights remain protected.

Georgian law governs these Terms, without depriving a consumer of mandatory protections applicable to them. For business users, disputes under these Terms are submitted to competent courts in Tbilisi, Georgia, insofar as that choice is lawful. Consumers retain any mandatory venue and complaint rights. Either party may seek appropriate protective relief in another competent court where the law permits it.

Contact info@finspot.ge to raise a complaint. This does not require you to complete an internal process before exercising a statutory right or seeking urgent relief.

The Terms are available in Georgian and English. The Georgian text prevails in a discrepancy to the extent permitted by law; this does not remove rights arising from mandatory disclosure or consumer-protection requirements.

If a provision is invalid, the remaining provisions continue insofar as legally possible; mandatory law governs the affected matter. A failure to enforce a provision once is not a waiver of future enforcement. Any transfer of our contractual position must comply with law and must not reduce mandatory user protections; we will notify affected users where required.

These Terms and any applicable separately agreed licence govern use of the Service. The Privacy Policy explains processing and does not operate as blanket consent. Rights provisions, accrued claims and those obligations that by their nature should continue survive account closure only to the extent appropriate and lawful.