Terms & Conditions

1. Website Operator: Digital Ledger OÜ

1.1 The website https://osom.finance/ (hereafter the “Website”) is operated by Digital Ledger OÜ, whose seat is registered at Tartu maantee 43, 10128 Tallinn, Estonia, under Commercial registry number: 14632235 (hereinafter “Digital Ledger”, “we” or “us”).

1.2 Digital Ledger is developing a personal financial management service under the brand name “OSOM” to be offered to users via the Website and a mobile App (hereinafter the “App”).

1.3 These Terms and Conditions (hereinafter the Terms and Conditions) are directed at all public users of the Website (hereinafter the “Visitor(s)” or “you”).

2. The Website’s Content

2.1 The Website, including any information, graphics, aesthetic, technical, and/or other effect, is aimed at informing you of all developments linked to Digital Ledger’s products and/or services (hereinafter the “Content”).

2.2 Digital Ledger has the right to adapt or otherwise modify the Content at its sole discretion and without previous notice.

2.3. Digital Ledger will use all reasonable efforts to keep the Content up to date and correct. However, not all information may be current or complete. Digital Ledger does not guarantee the accuracy of the Content.

2.4 Any examples that are referred to in the Content are purely illustrative. We do our best to ensure that they accurately reflect Digital Ledger’s present or future products and services. However, products and services may differ in practice.

3. Restrictions on Use

3.1 The Website is made publicly and freely available to all Visitors. You agree to use the Website and the Content solely for lawful purposes. The Content may only be used for non-commercial and private purposes.

3.2 Any use of the Website is only authorized in accordance with these Terms and Conditions and our Privacy and Cookies Policies, available on our Website and App. We advise you to read these Policies before accessing the Website.

3.3 By accessing the Website, you acknowledge having been informed of and explicitly agree to these Terms and Conditions as well as the Privacy and Cookies Policies. Should you disagree with these Terms and Conditions or Policies you are kindly requested to leave the Website.

3.4 You may not, knowingly or unknowingly, use any harmful software or introduce any harmful programs or files (i.e. a virus) to access the Website, distort the Content, or disrupt services. You will exercise reasonable care to avoid and prevent any of the foregoing. You may not distort, modify or otherwise manipulate the Website or Content in any manner whatsoever.

4. Hyperlinks

4.1 Unless otherwise specified, should you wish to include a link to the Website from another website or app (for example a blog of Your own), you must first request permission from [email protected] to do so. Any permission so granted can be revoked at any time at Digital Ledger’s discretion.

4.2 Digital Ledger bears no liability in connection to the third party websites and does not condone any content made available through them. The content of any third party websites or apps is the exclusive liability of those third party operators.

4.3 Digital Ledger will erase any links to third party websites, which to Digital Ledger’s knowledge, make illegal content available or carry out any type of illegal activity.

5. Intellectual Property

5.1 The text, layout, illustrations on the Website or any other Content are protected by Digital Ledger’s copyright, trademark, or other rights (intellectual property and other). All Content is Digital Ledger’s exclusive property or has been validly licensed to Digital Ledger. Thus, all Content remains Digital Ledger’s property even once downloaded.

5.2 Unless otherwise specified, information (textual or numeric) may be used freely so long as it is correctly referenced (i.e. Digital Ledger is mentioned as the source) and only for non-commercial and non-advertising purposes (i.e. scientific, educational, or purely private ends). However, any use of other aspects of Content, such as the images, sound or layout, is strictly prohibited without Digital Ledger’s prior written approval.

6. Exclusion and Limitation of Liability

6.1 To the extent permitted by law, Digital Ledger will not be held liable for any damage that may result directly or indirectly from using the Website.

6.2 The use of any information obtained from or through the Website is done at the Visitor’s own risk. To the extent permitted by law, Digital Ledger declines any liability relative to decisions made on the basis of information obtained from or through the Website.

6.3 Digital Ledger does not guarantee the Website’s effective operation and functional performance. To the extent permitted by law, Digital Ledger declines all liability in the case of any defect or unavailability, or in the case of any other direct or indirect damage that may arise in connection to accessing or using the Website. Digital Ledger is not liable for any damage owing to any service interruptions, technical errors, viruses or any other factors beyond Digital Ledger’s control.

7. Privacy Policy

7.1 Digital Ledger may process your personal data as agreed and described in its Privacy Policy. Any data protection inquiries can be made to [email protected] or through written request to our offices (see below “contact us”).

8. Cookie Policy

8.1 The Website uses a certain number of Cookies, as agreed to and described in its Cookie Policy.

9. Changes to Terms and Conditions

9.1 Digital Ledger reserves the right, at its sole discretion, to amend, complete or otherwise modify these Terms and Conditions at any time and without notice.

10. Severability

10.1 Should any provision of these Terms and Conditions be found invalid and/or unenforceable, for any reasons whatsoever, the remaining provisions of these Terms and Conditions will remain valid and enforceable as if the invalidated provision had not been included therein. The invalidated provision will be replaced with a provision that adequately reflects the parties’ initial intention.

11. Non-Waiver

11.1 Any activity or behaviour contrary to these Terms and Conditions or Digital Ledger’s failure to enforce them can never be deemed a waiver of Digital Ledger’s rights under said Terms and Conditions.

12. Applicable Law and Jurisdiction

12.1 By accessing the Website you agree to these Terms and Conditions, and further accept the application of Estonian law.

12.2 Any dispute arising in connection to these Terms and Conditions and/or the Website is the exclusive jurisdiction of the Harju County Court in Tallinn, Estonia, unless otherwise required by mandatory law.

13. Contact Us

13.1 If you have any questions or comments about these Terms and Conditions, please contact us here:  

By email to [email protected] or by postal mail to Customer Support, Digital Ledger OÜ, Tartu maantee 43, 10128 Tallinn, Estonia