Legal Notice

This website (formacash.com) is published by: FormaCash OU Company form: Private limited company (Osauhingud) registered under Estonian law Commercial register: 16284759 (Centre of Registers and Information Systems of Estonia) VAT identification number: Pending attribution Share capital: 15,000 EUR Registered office: Parnu mnt 148, 11317 Tallinn, Estonia Email: contact@formacash.com Publication Director: the Managing Director of FormaCash OU, in their capacity as the legal representative of the company. FormaCash OU is a professional training company specialising in professional training programmes in digital technology and business skills.

This website is hosted by: VMCloud OU (Operating on Vercel infrastructure) Registered office: Parnu mnt 148, 11317 Tallinn, Estonia Email: support@vmcloud.ee Server locations: - Paris, France (EU) - Amsterdam, Netherlands (EU) - Frankfurt, Germany (EU) All data is stored and processed exclusively on servers located within the European Union, in full compliance with Regulation (EU) 2016/679 (GDPR). VMCloud OU implements industry-standard security measures, including TLS encryption, firewalls, access controls, and regular security audits, to ensure the integrity, confidentiality, and availability of hosted data. Vercel infrastructure provides high-availability, globally distributed edge computing with automatic failover between EU data centres, ensuring consistent performance and uptime for users across Europe.

FormaCash OU is a registered professional training provider. Training activity declaration number: Pending attribution. Quality certification: FormaCash OU is in the process of obtaining relevant quality certifications for its training management system and processes. FormaCash's training programmes are eligible for professional funding within the European Union, including employer-funded training plans, public vocational training programmes, and European Social Fund (ESF) co-financed initiatives. The specific eligibility of each programme for public or private funding depends on the funding body's criteria and the Student's individual circumstances. FormaCash is committed to continuous improvement of its training programmes and maintains rigorous quality assurance processes, including regular programme reviews, Student satisfaction surveys, employment outcome tracking, and independent quality audits.

The entire content of this website, including but not limited to texts, graphics, images, photographs, videos, audio files, animations, logos, icons, software, code, page layout, and design, is the exclusive property of FormaCash OU or its licensors and is protected by applicable intellectual property laws, including Estonian, European Union, and international copyright, trademark, and database laws. The FormaCash name, logo, and associated branding elements are registered trademarks of FormaCash OU. Any reproduction, representation, modification, adaptation, or exploitation of these trademarks, in whole or in part, without the prior written authorisation of FormaCash OU, is strictly prohibited and constitutes trademark infringement. Any unauthorised reproduction, representation, modification, distribution, republication, or exploitation of any content from this website, by any means and in any form, is strictly prohibited and may constitute copyright infringement punishable under the Estonian Copyright Act (Autorioisiguse seadus) and applicable EU Directives, including Directive 2001/29/EC on the harmonisation of certain aspects of copyright and related rights in the information society. Fair use: short quotations from the website's content are permitted for the purposes of criticism, review, news reporting, or academic research, provided that the source is clearly attributed to FormaCash OU and a hyperlink to the original content is included. Such use must not adversely affect the commercial exploitation of the content or suggest endorsement by FormaCash. Infringement penalties: FormaCash actively monitors for unauthorised use of its intellectual property and reserves the right to take all legal measures available, including seeking injunctive relief, statutory damages, and the recovery of legal costs, against any person or entity that infringes its intellectual property rights.

This website may contain hyperlinks to external third-party websites. These links are provided for informational purposes and convenience only. FormaCash does not control the content, accuracy, or availability of these external websites and assumes no responsibility or liability for their content, privacy practices, or any damages that may arise from their use. The presence of a hyperlink on this website does not imply endorsement, sponsorship, or affiliation with the linked website or its operators. FormaCash regularly reviews outbound links for relevance and appropriateness but cannot monitor all linked content on an ongoing basis. If you discover a broken or inappropriate link on our website, please report it to contact@formacash.com. Creating hyperlinks to this website: any third party wishing to create a hyperlink to formacash.com or any page thereof must obtain prior written authorisation from FormaCash by contacting legal@formacash.com. Authorisation may be granted subject to the following conditions: the link must not be used in a manner that is misleading, defamatory, or damaging to FormaCash's reputation; the link must not suggest any form of endorsement, partnership, or affiliation where none exists; and the link must not be placed within a frame or in any way that obscures FormaCash's branding. FormaCash reserves the right to revoke any linking authorisation at any time and without notice.

FormaCash is committed to ensuring that its website and Platform are accessible to all users, including persons with disabilities. We strive to comply with the Web Content Accessibility Guidelines (WCAG) 2.1 at the AA conformance level, as recommended by the European Accessibility Act (Directive (EU) 2019/882) and international best practices. Our accessibility efforts include: - Semantic HTML markup for compatibility with screen readers and assistive technologies. - Sufficient colour contrast ratios for text and interactive elements. - Keyboard navigability for all interactive features. - Alternative text for images and non-text content. - Resizable text without loss of content or functionality. - Consistent and predictable navigation. - Captions and transcripts for video and audio content where feasible. We continuously work to improve the accessibility of our website and Platform. If you encounter any accessibility barriers or have difficulty accessing any content or feature on our website, please contact us so that we can assist you and work to resolve the issue: Email: contact@formacash.com Subject line: Accessibility Issue Please provide a description of the issue, the page URL, and your preferred method of contact. We will make reasonable efforts to respond within five (5) business days and to provide the content or service in an accessible alternative format.

In accordance with Directive 2013/11/EU on alternative dispute resolution for consumer disputes and Regulation (EU) No 524/2013 on online dispute resolution for consumer disputes, FormaCash provides the following information regarding consumer dispute resolution. Consumer Disputes Committee (Tarbijakaebuste komisjon): Consumers who are unable to resolve a dispute with FormaCash through our internal complaint procedure may refer the matter to the Consumer Disputes Committee, an independent alternative dispute resolution body. Contact details: Consumer Disputes Committee Endla 10A 10122 Tallinn, Estonia Website: https://komisjon.ee The mediation procedure is free of charge for consumers. The Committee will examine the complaint and issue a recommendation within ninety (90) days of receiving the complete file. FormaCash commits to participating in good faith in any mediation proceedings initiated by a consumer. Online Dispute Resolution (ODR) Platform: Consumers may also submit complaints through the European Commission's Online Dispute Resolution platform, which is designed to help consumers and traders resolve disputes arising from online purchases of goods or services within the EU. ODR platform: https://ec.europa.eu/odr To use the ODR platform, you will need to provide FormaCash's email address: legal@formacash.com. FormaCash encourages all consumers to first contact our customer service team at legal@formacash.com to attempt to resolve any issue before initiating formal dispute resolution proceedings.

Website design and user interface: Designed by the FormaCash creative team. Website development: Developed by the FormaCash engineering team using Next.js, React, and Tailwind CSS, deployed on Vercel infrastructure via VMCloud OU. Icons and illustrations: - Lucide Icons (https://lucide.dev) — open-source icon library, MIT License. - Heroicons (https://heroicons.com) — by Tailwind Labs, MIT License. - Custom illustrations and graphics by FormaCash OU, all rights reserved. Photography: Stock photography sourced from licensed providers. All images used in compliance with applicable licence terms. Fonts: Inter (designed by Rasmus Andersson) — SIL Open Font License. All third-party assets used on this website are credited to their respective authors and used in accordance with their applicable licences. If you believe that any content on this website infringes your intellectual property rights, please contact legal@formacash.com with details of the alleged infringement.