Firmixa Terms of Use

Last Updated: September 2026

These Terms of Use (“Terms”) govern your access to and use of Firmixa, including firmixa.com, company profiles, financial intelligence, scores, reviews, verification features, research tools, business features and related services (collectively, the “Services”).

By accessing or using Firmixa, you agree to these Terms.

If you do not agree with these Terms, you should not use the Services.

1. About Firmixa

Firmixa is an independent financial intelligence, research and company-comparison platform.

Firmixa is designed to help users discover, understand and evaluate financial-service companies through structured information, regulatory intelligence, evidence, verification, user experiences and proprietary assessments.

Firmixa may collect, structure, analyse and present information obtained from sources including:

regulatory authorities;
official company websites;
company disclosures;
public records;
publicly available information;
structured data sources;
user submissions;
supporting evidence;
Firmixa research and verification processes.

Firmixa is not a broker, financial adviser, investment adviser, bank, regulatory authority, asset manager or investment manager.

Firmixa does not hold or manage user funds.

Unless explicitly stated otherwise, Firmixa does not act as an agent or representative of companies appearing on the platform.

2. Informational Purpose

Firmixa provides information for research, comparison and informational purposes.

Nothing available through Firmixa constitutes:

investment advice;
financial advice;
legal advice;
tax advice;
personalised financial advice;
investment management;
an offer to purchase or sell a financial product;
a solicitation to invest;
a recommendation to deposit funds with a particular company;
a guarantee of safety;
a guarantee of profitability.

Users remain responsible for conducting their own research and making their own decisions.

Information that is important to a financial decision should be independently verified through appropriate official sources.

3. Access to Firmixa

Some Firmixa content may be accessible without creating an account.

Certain features may require:

account registration;
email verification;
third-party authentication;
security verification;
additional eligibility requirements.

Firmixa may modify which features require authentication.

4. User Accounts

Where Firmixa allows account creation, users are responsible for:

providing reasonably accurate information;
keeping account information current;
maintaining account security;
protecting authentication credentials;
avoiding unauthorised sharing of accounts.

Users must not create accounts using false identities or impersonate another person or organisation.

Firmixa may restrict or suspend accounts where reasonable security or abuse concerns exist.

5. Third-Party Sign-In

Firmixa may allow users to authenticate using Google or other supported authentication providers.

Use of third-party authentication may also be subject to the provider's own terms and privacy policies.

Firmixa does not receive the password you use with your external authentication provider.

FIRMXA SCORES

8. Scores and Assessments

Firmixa may publish proprietary assessments including:

Firmixa Score;
Trust Score;
Global Score;
regulatory assessments;
category assessments;
verification indicators;
evidence indicators;
warning indicators;
rankings;
comparative assessments.

Scores are analytical outputs produced according to Firmixa methodologies and information available at the relevant time.

9. Scores Are Not Guarantees

A Firmixa Score is not:

an investment recommendation;
financial advice;
a regulatory licence;
certification;
a guarantee of financial safety;
a prediction of future conduct.

A high score does not guarantee that:

a company will remain financially stable;
a company will remain authorised;
a regulator will not take action;
withdrawals will always be successful;
users will have a positive experience;
a company will honour every future obligation.

A low or withheld score should not automatically be interpreted as proof of fraud or misconduct.

10. Changes to Scores

Firmixa may update assessments when:

new evidence becomes available;
regulatory information changes;
company information changes;
errors are corrected;
methodology changes;
new scoring factors are introduced;
existing factors are modified.

A score viewed today may therefore differ from a score previously displayed.

REGULATORY INTELLIGENCE

11. Regulatory Information

Firmixa may collect and analyse information concerning:

licences;
registrations;
regulated entities;
regulatory authorisations;
company domains;
warnings;
suspensions;
restrictions;
revocations;
enforcement actions;
regulatory notices.

Firmixa may compare company claims with information from regulators and other reliable sources.

12. Regulatory Verification

Firmixa may classify information using statuses such as:

verified;
partially verified;
unverified;
unavailable;
conflicting;
under review.

Regulatory information can change at any time.

Users should verify regulatory status directly with the relevant regulator when making important decisions.

The appearance of a regulator's name or information on Firmixa does not mean that the regulator endorses or is affiliated with Firmixa.

REVIEWS

13. User Reviews

Firmixa may allow users to submit:

reviews;
ratings;
complaints;
reports;
comments;
supporting information;
other user-generated content.

Users must submit reviews honestly and in good faith.

14. Review Requirements

By submitting a review, you confirm that:

the review relates to a genuine experience;
the information is accurate to the best of your knowledge;
you are not deliberately misleading other users;
evidence has not been fabricated;
the content does not unlawfully violate another person's rights.

Users must not submit:

fake reviews;
purchased reviews;
coordinated review manipulation;
impersonated reviews;
fabricated evidence;
spam;
unlawful threats;
private credentials;
unnecessary sensitive personal information.

15. Verified Experience

Firmixa may apply a Verified Experience indicator when reasonable supporting evidence demonstrates that a relevant customer or business interaction occurred.

A Verified Experience label confirms only that Firmixa found reasonable evidence supporting the existence of the interaction.

It does not mean that Firmixa independently confirms every statement or opinion contained within the review.

16. Review Moderation

Firmixa may:

investigate reviews;
request additional evidence;
restrict content;
reject submissions;
remove fraudulent content;
remove unlawful content;
remove manipulation;
modify verification status.

Firmixa does not guarantee publication of every submission.

17. Company Responses

Companies may be permitted to respond to user reviews.

A company cannot purchase the removal of a legitimate negative review.

A paid relationship with Firmixa does not provide editorial control over independent user experiences.

COMPANY CLAIMS

18. Claiming a Company Profile

Firmixa may allow authorised business representatives to claim a company profile.

Firmixa may require reasonable evidence showing that the applicant is legitimately authorised to represent the relevant business.

Claiming a profile does not transfer ownership of Firmixa's research, profile structure, database or scoring systems to the company.

19. Company Corrections

Companies may submit:

factual corrections;
updated company information;
regulatory documents;
official website information;
supporting evidence.

Firmixa may:

accept the correction;
partially accept it;
reject it;
request additional evidence;
investigate further;
mark information as disputed.

A correction request does not guarantee that information will be changed.

FIRMXA BUSINESS

20. Business Features

Firmixa may offer optional services for companies through Firmixa Business.

These may include:

profile-management tools;
company verification;
review responses;
information updates;
business analytics;
additional visibility features;
communication tools;
other business functionality.

Additional terms may apply to Firmixa Business.

21. Editorial Independence

Purchasing a business service does not entitle a company to control:

Firmixa Score;
Trust Score;
Global Score;
regulatory assessments;
verification results;
evidence conclusions;
independent rankings;
legitimate reviews;
independent research conclusions.

Firmixa Scores cannot be purchased.

COMMERCIAL RELATIONSHIPS

22. Commercial Activity

Firmixa may generate revenue through activities including:

business services;
advertising;
sponsorship;
partnerships;
affiliate relationships;
referral arrangements;
research services;
data services;
licensing;
APIs.

23. Sponsored Content

Where appropriate, Firmixa may identify sponsored or commercial content through labels or disclosures.

Sponsored status does not automatically mean that Firmixa recommends the company.

Commercial participation does not automatically improve independent scores or assessments.

24. Affiliate Relationships

Firmixa may receive compensation when users follow certain links or complete eligible actions with third parties.

Affiliate compensation does not give a company the right to:

increase its independent Firmixa Score;
change its regulatory assessment;
remove legitimate negative reviews;
control independent verification;
manipulate rankings.

ACCEPTABLE USE

25. Permitted Use

Firmixa may be used for lawful:

personal research;
professional research;
company comparison;
business research;
informational purposes.

26. Prohibited Conduct

Users must not:

violate applicable law;
commit fraud;
impersonate another person;
submit fabricated evidence;
manipulate reviews;
attempt unauthorised access;
distribute malware;
interfere with platform security;
abuse platform features;
circumvent access restrictions;
intentionally damage Firmixa infrastructure.

AUTOMATED ACCESS AND SCRAPING

27. Automated Access

Except where expressly authorised by Firmixa, automated extraction or systematic collection of Firmixa content is prohibited.

This includes:

scraping;
crawling;
spidering;
automated harvesting;
bulk downloading;
automated copying;
systematic data mining;
database reconstruction.

28. Security Circumvention

Users must not attempt to bypass:

CAPTCHA;
bot-detection systems;
access controls;
authentication;
rate limits;
security challenges;
session restrictions.

Users must not use rotating accounts, proxies, devices or identifiers for the purpose of defeating Firmixa security controls.

29. Competing Databases

Without Firmixa's prior authorisation, Firmixa proprietary information may not be systematically extracted to create or improve a competing:

financial intelligence platform;
company comparison platform;
scoring service;
ranking database;
commercial research database;
data service.

30. Artificial Intelligence Use

Firmixa proprietary datasets may not be systematically extracted without authorisation for:

AI model training;
model fine-tuning;
commercial model evaluation;
machine-learning datasets;
reproduction of Firmixa proprietary classifications;
development of competing datasets.

Ordinary individual use of Firmixa information for personal research is not prohibited by this section.

31. Authorised Automated Access

Firmixa may provide authorised data access through:

official APIs;
commercial licences;
partnerships;
written agreements.

Separate terms may apply to such access.

INTELLECTUAL PROPERTY

32. Firmixa Content

Unless otherwise indicated, Firmixa owns or lawfully uses the intellectual property associated with its original platform content.

This may include:

Firmixa branding;
interface design;
original text;
proprietary datasets;
database organisation;
scores;
methodologies;
analytical models;
verification systems;
evidence classifications;
software.

33. Third-Party Intellectual Property

Company names, trademarks and logos displayed on Firmixa remain the property of their respective owners.

Their appearance on Firmixa does not automatically imply:

partnership;
sponsorship;
endorsement;
affiliation.

34. Linking and Reference

Users may ordinarily link to publicly accessible Firmixa pages.

Reasonable quotation may be permitted for purposes such as:

journalism;
commentary;
research;
reference.

Systematic commercial republication or redistribution may require prior permission.

THIRD-PARTY SERVICES

35. External Links

Firmixa may link to:

company websites;
regulatory websites;
business partners;
service providers;
other external platforms.

Firmixa does not control independent third-party services.

36. Third-Party Responsibility

Firmixa is not responsible for third-party:

content;
availability;
products;
fees;
security;
privacy practices;
contractual terms;
business conduct.

Users should review the terms and policies of third-party services before using them.

PLATFORM OPERATION

37. Service Availability

Firmixa aims to maintain reliable access but does not guarantee uninterrupted operation.

Firmixa may experience interruptions caused by:

maintenance;
updates;
technical failures;
external service interruptions;
security incidents;
circumstances outside reasonable control.

38. Changes to Firmixa

Firmixa may introduce, modify, replace, restrict or discontinue features.

Firmixa may also change:

profile structures;
categories;
verification systems;
scoring methods;
research processes;
platform functionality.

DISCLAIMERS

39. Information Disclaimer

Firmixa makes reasonable efforts to provide useful and reliable information.

However, Firmixa does not warrant that all information is:

complete;
continuously accurate;
continuously current;
error-free;
available at all times.

Users remain responsible for independently verifying information material to their decisions.

40. Financial Risk

Trading, investing and financial services can involve substantial risk.

Users may lose some or all of their money when using services offered by companies appearing on Firmixa.

Firmixa does not guarantee that any company is appropriate for a particular user.

A Firmixa Score should never be the sole basis for:

opening an account;
depositing money;
purchasing a trading programme;
selecting a financial provider;
making an investment decision.

41. No Guarantee Against Future Events

Firmixa research reflects information available at a particular point in time.

Firmixa cannot guarantee that a company will never:

experience financial difficulty;
change its operations;
change ownership;
become subject to regulatory action;
change policies;
fail to meet customer expectations.

Past verification does not guarantee future conduct.

LIABILITY

42. Limitation of Liability

To the fullest extent permitted under applicable law, Firmixa will not be responsible for indirect, incidental, special or consequential losses arising from the use of or reliance on Firmixa.

This may include losses relating to:

trading;
investments;
deposits;
account restrictions;
withdrawal issues;
company failures;
lost profits;
business interruption;
decisions made using Firmixa information.

Nothing in these Terms excludes liability that cannot legally be excluded.

43. User Responsibility

Users remain responsible for:

their own financial decisions;
conducting appropriate due diligence;
verifying important information;
protecting account credentials;
complying with applicable rules when using third-party financial services.

ENFORCEMENT

44. Suspension and Restriction

Firmixa may restrict or suspend access where reasonably necessary in response to:

violation of these Terms;
fraud;
fake reviews;
fabricated evidence;
scraping;
security threats;
abusive behaviour;
attempted system compromise.

Restrictions may be temporary or permanent depending on the circumstances.

45. Investigations

Firmixa may investigate suspected violations and may request additional information where reasonably necessary.

Firmixa may preserve relevant records where required for security, dispute resolution or platform integrity.

UPDATES

46. Changes to These Terms

Firmixa may update these Terms as:

the platform changes;
new services are introduced;
business practices evolve;
legal requirements change.

The latest version will be published with an updated Last Updated date.

Where appropriate, material changes may also be communicated through the platform.

47. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue to apply to the fullest extent permitted.

48. No Waiver

Failure by Firmixa to enforce a provision of these Terms does not automatically waive Firmixa's right to enforce that provision later.

49. Related Policies

These Terms should be read together with applicable Firmixa policies, including:

Privacy Policy
Cookie Policy
Reviews & Verification Policy
Firmixa Business Terms
Independence & Commercial Disclosure

50. Contact

Questions concerning these Terms may be sent to:

Firmixa Website: firmixa.com Email: contact@firmixa.com