Terms of Service

1. Introduction

Welcome to Øresund. These Terms of Service ("Terms") govern your access to and use of our website and services (collectively, the "Services") provided by Topblog LLC ("we", "our", or "us").

By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Services.

2. Eligibility

To use our Services, you must:

• Be at least 18 years of age
• Be a resident of a country where our Services are available
• Have the legal capacity to enter into a binding agreement
• Not be prohibited from using financial services under applicable law
• Provide accurate and complete registration information

3. Account Registration

To access certain features of our Services, you may need to create an account. When creating an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Keep your login credentials secure and confidential
• Notify us immediately of any unauthorized access to your account
• Accept responsibility for all activities under your account

We reserve the right to suspend or terminate accounts that violate these Terms or are used for fraudulent or illegal purposes.

4. Our Services

Øresund provides sustainable financial services, including:

• Credit card services with carbon footprint tracking
• Real-time CO2 emissions monitoring for purchases
• Sustainability rewards and incentives program
• Carbon offset matching services
• Environmental impact analytics and reporting

Our Services are subject to availability and may be modified, suspended, or discontinued at any time without prior notice.

5. Waitlist

By joining our waitlist, you:

• Consent to receive updates about our product launch and Services
• Understand that waitlist position does not guarantee access
• Acknowledge that we may prioritize access based on various factors
• Can unsubscribe at any time by following the link in our emails

6. Financial Services Terms

Our credit card and financial services are subject to additional terms and conditions that will be provided upon application. These include:

• Credit agreement and cardholder terms
• Fee schedules and interest rate disclosures
• Rewards program terms and conditions
• Identity verification requirements (KYC)

7. Carbon Footprint Tracking

Our carbon tracking feature provides estimates based on:

• Merchant category codes and transaction data
• Industry-standard emission factors and methodologies
• Third-party environmental data providers

Carbon footprint calculations are estimates and may not reflect actual emissions. We continuously work to improve accuracy but do not guarantee the precision of these calculations.

8. Acceptable Use

You agree not to use our Services to:

• Violate any applicable laws or regulations
• Engage in fraudulent, deceptive, or misleading activities
• Infringe on intellectual property rights of others
• Transmit malware, viruses, or other harmful code
• Attempt to gain unauthorized access to our systems
• Interfere with the proper functioning of the Services
• Use automated systems to access the Services without permission
• Launder money or finance illegal activities
• Circumvent any security measures or access controls

9. Intellectual Property

All content, features, and functionality of our Services, including but not limited to text, graphics, logos, icons, images, audio, video, software, and the overall design, are owned by Øresund or our licensors and are protected by copyright, trademark, and other intellectual property laws.

You may not copy, modify, distribute, sell, or lease any part of our Services without our prior written consent.

10. Privacy

Your privacy is important to us. Our collection and use of personal information is described in our Privacy Policy, which is incorporated into these Terms by reference.

11. Disclaimers

12. Limitation of Liability

To the maximum extent permitted by law:

• Øresund shall not be liable for any indirect, incidental, special, consequential, or punitive damages
• Our total liability shall not exceed the amount you paid us in the twelve months preceding the claim
• We are not liable for losses resulting from circumstances beyond our reasonable control

Some jurisdictions do not allow limitation of liability for certain damages. In such cases, our liability will be limited to the fullest extent permitted by applicable law.

13. Indemnification

You agree to indemnify, defend, and hold harmless Øresund and its officers, directors, employees, agents, and affiliates from any claims, damages, losses, liabilities, costs, and expenses (including legal fees) arising from your use of the Services, violation of these Terms, or infringement of any third-party rights.

14. Term and Termination

These Terms remain in effect until terminated. We may terminate or suspend your access to the Services at any time, with or without cause, with or without notice.

Upon termination, your right to use the Services will immediately cease. Provisions that by their nature should survive termination will survive, including intellectual property, disclaimers, limitation of liability, and indemnification.

15. Changes to These Terms

We may modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website and updating the "Last updated" date. Your continued use of the Services after changes become effective constitutes acceptance of the modified Terms.

16. Governing Law and Jurisdiction

These Terms are governed by the laws of the State of Wyoming, United States, without regard to conflict of law principles.

Any disputes arising from these Terms or the Services shall be subject to the exclusive jurisdiction of the courts in Wyoming, USA. If you are a consumer residing in the EU, you may also bring proceedings in the courts of your country of residence.

17. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.

18. Entire Agreement

These Terms, together with our Privacy Policy and any additional agreements you enter into with Øresund, constitute the entire agreement between you and Øresund regarding the Services and supersede all prior agreements and understandings.

19. Contact Us

If you have any questions about these Terms, please contact us: