1. About these Terms
1.1 These Terms of Use govern your access to and use of the website at https://goodface.agency and its sub-pages and sub-domains (the "Website"), operated by Goodface company OÜ, a private limited company incorporated in Estonia under registry code 17411090, with its registered office at Vesivärava tn 50-201, 10152 Tallinn, Estonia ("Goodface", "we", "us").
1.2 By accessing or using the Website you agree to these Terms. If you do not agree, please do not use the Website.
1.3 Further information about us is set out in the Legal Notice.
1.4 The Website is an information and business development resource. It presents our services, our published work and our editorial content. It is not a marketplace, a platform for user-generated content, a payment service or a regulated financial service.
1.5 The Website is aimed at businesses. It is not directed at consumers and is not intended for anyone under 16. Where a mandatory consumer protection rule of your country of residence nevertheless applies to you, nothing in these Terms limits that rule.
2. Changes to these Terms and to the Website
2.1 We may amend these Terms from time to time. The current version and its date are shown at the top of this page. Amendments take effect when published, and your continued use of the Website after publication means you accept them.
2.2 We may change, suspend or withdraw all or part of the Website, and any content on it, at any time and without notice. We do not guarantee that the Website or any content will always be available or uninterrupted.
3. Access
3.1 Access to the Website is free. You are responsible for the arrangements you need to access it, including your device and internet connection, and for ensuring that anyone accessing the Website through your connection is aware of these Terms.
3.2 Certain material, such as our fintech eBook and other gated content, is made available in exchange for the information you provide on the relevant form. We may withdraw access to gated material at any time.
4. Acceptable use
4.1 You may use the Website only for lawful purposes and in accordance with these Terms.
4.2 You must not:
- use the Website in any way that breaches applicable law, or for any fraudulent or harmful purpose;
- transmit or attempt to transmit any malware, or any material designed to interrupt, damage or limit the functioning of any software, hardware or equipment;
- attempt to gain unauthorised access to the Website, the server on which it is stored, or any server, computer or database connected to it;
- attack the Website by means of a denial-of-service attack or a distributed denial-of-service attack;
- use any robot, spider, scraper or other automated means to access, monitor, copy or index the Website or any content on it, other than a search engine crawler operating in accordance with our robots.txt file;
- circumvent, disable or interfere with any security-related feature of the Website, or any feature that restricts use or copying of content, or that enforces limits on use;
- use the Website, or any content on it, to develop a competing service, or to compile a database or dataset;
- remove, obscure or alter any copyright, trade mark or other proprietary notice.
4.3 We may report any breach of this section to the relevant law enforcement authorities and will cooperate with them, including by disclosing your identity where we are able to.
5. Text and data mining reservation
5.1 Goodface expressly reserves all rights in respect of text and data mining of the Website and its content, including for the purpose of training, fine-tuning, evaluating or grounding any artificial intelligence or machine learning model or system.
5.2 This reservation is made under Article 4(3) of Directive (EU) 2019/790 on copyright and related rights in the Digital Single Market and its national transpositions, and under any equivalent provision of the law of any other jurisdiction. It applies to reproduction and extraction by any means, including automated crawling.
5.3 This reservation is also expressed in machine-readable form, through directives in our robots.txt file addressed to known AI crawlers and through a TDM Reservation Protocol signal.
5.4 Any use of the Website or its content for text and data mining without our prior written permission is a breach of these Terms and an infringement of our rights.
6. Intellectual property
6.1 We own or are licensed to use all intellectual property rights in the Website and in the material published on it, including its text, design, layout, graphics, illustrations, photographs, video and code. Those rights are protected by copyright, trade mark and other laws.
6.2 The word mark "Goodface" is registered as a European Union trade mark under no. 019339622, registered on 10 July 2026 in classes 35 and 42, and as a United Kingdom trade mark under no. UK00004365310, entered on the register on 26 June 2026 with effect from 30 March 2026, in the same classes. Both are owned by Maksym Yakubovych and are used by the companies in the group with his permission.
6.3 You may view, download and print extracts of Website content for your own internal business use or personal information. You must not modify the content, and you must not use any illustration, photograph, video or graphic separately from the accompanying text.
6.4 You must acknowledge us as the author of the content whenever you use it under clause 6.3.
6.5 All other use requires our prior written permission. You must not use any part of the Website for commercial purposes without a licence from us.
6.6 Trade marks, logos and product names of third parties appearing on the Website belong to their respective owners and are used to identify the organisation or product concerned. Their appearance does not imply any endorsement of Goodface by that owner, except where we say so expressly.
7. Case studies, client work and group experience
7.1 The Website presents case studies and portfolio material describing projects. Each case study is published with the permission of the client organisation concerned, and any individual named, quoted or shown in a case study has consented to that use.
7.2 Goodface is a single brand under which two companies operate, and case studies describe the work of the group as a whole rather than of one company. The Legal Notice identifies the companies in the group and states which of them contracts with clients in each market.
7.3 Awards, ratings, project counts and similar figures presented on the Website relate to the Goodface group, not to any single company in it.
7.4 Case studies describe past engagements. They are not a representation or warranty that the same approach, scope, timeline or outcome will apply to your project. Metrics quoted in case studies were achieved in the specific circumstances of that engagement.
7.5 Intellectual property in the products and materials described in a case study belongs to the client concerned or to Goodface as set out in the relevant engagement contract. Nothing on the Website transfers any right in a client's product to you.
8. Material you submit to us
8.1 The Website lets you send us information through the contact form, the project brief and the gated content forms, including by attaching files.
8.2 You must not submit through the Website:
- information that is confidential, or that you are not entitled to disclose to us;
- personal data relating to other people, unless you have a lawful basis for providing it to us and have informed them;
- special category personal data, such as health data or biometric data;
- any client production data, credentials, security keys or access tokens;
- material that infringes anyone's intellectual property rights, or that is unlawful, defamatory or offensive.
8.3 If you need to share confidential material with us before we have signed a non-disclosure agreement, please tell us and we will arrange one. We will not treat material sent through the Website as confidential unless we have agreed in writing to do so.
8.4 By submitting material through the Website you grant us a non-exclusive, royalty-free licence to use it for the purpose of assessing your enquiry, preparing a proposal and communicating with you. That licence ends when we no longer need the material for that purpose.
8.5 You warrant that any material you submit is accurate, that you are entitled to submit it, and that it does not infringe anyone's rights.
8.6 We may receive proposals, ideas or suggestions that are similar to work we are already doing or are considering. Submitting an idea to us does not create any obligation on us to keep it confidential, to compensate you for it, or to refrain from developing something similar, unless we have agreed otherwise in writing.
8.7 How we handle personal data you submit is explained in our Privacy Policy.
9. Content is not professional advice
9.1 The Website, including our eBook, articles, insights and case studies, is provided for general information about our services and our field. It is not advice and must not be relied on as advice.
9.2 In particular, nothing on the Website is financial, investment, banking, payment services, regulatory, legal, tax or accounting advice, and nothing on the Website should be treated as a recommendation to adopt any product design, technology, architecture or compliance approach in your own regulated business.
9.3 You are responsible for determining whether any approach described on the Website is suitable and compliant for your business, and for obtaining your own professional and regulatory advice before acting.
9.4 Goodface is not authorised or regulated by any financial services regulator, and does not provide regulated financial services.
10. Third-party links, tools and content
10.1 The Website links to third-party websites and embeds third-party tools, including a booking tool, video players and social media content.
10.2 We do not control those third parties and we are not responsible for their content, their availability, or their processing of your data. Links and embeds do not imply endorsement.
10.3 Your use of an embedded third-party tool is subject to that provider's own terms and privacy notice.
11. AI-assisted content
11.1 Some content on the Website is produced with the assistance of artificial intelligence tools, subject to human review before publication. Where required, such content is labelled.
11.2 Our AI Transparency Note explains where and how we use AI, and how human oversight is applied.
11.3 No chatbot or AI assistant is deployed on the Website. If we deploy one, we will tell you that you are interacting with an AI system before or at the point of first interaction, explain what it can and cannot do, give you a route to a human, and state that its responses may be inaccurate and are not advice.
12. Disclaimers
12.1 The Website is provided on an "as is" and "as available" basis. To the fullest extent permitted by law, we exclude all conditions, warranties, representations and other terms that might otherwise be implied by statute, common law or equity.
12.2 We take reasonable care to ensure that the information on the Website is accurate when published, but we do not warrant that it is accurate, complete or up to date.
12.3 We do not guarantee that the Website will be secure or free from bugs or viruses. You are responsible for configuring your own information technology and platform to access the Website, and for using your own virus protection software.
13. Liability
13.1 Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, for intentional misconduct or gross negligence, or for any other liability that cannot be excluded or limited under applicable law.
13.2 Subject to clause 13.1, we will not be liable to you for any loss of profit, loss of business, loss of revenue, business interruption, loss of anticipated savings, loss of goodwill, or any indirect or consequential loss arising out of or in connection with your use of, or inability to use, the Website or any content on it.
13.3 Subject to clause 13.1, our total aggregate liability arising out of or in connection with the Website and these Terms is limited to EUR 1,000. This limit reflects the fact that access to the Website is free of charge.
13.4 These limitations do not apply to our liability under any separate written services agreement, which contains its own liability provisions.
13.5 If you are a consumer, and mandatory consumer protection law in your country of residence gives you rights that these Terms would otherwise restrict, those rights prevail.
14. Indemnity
You agree to indemnify us against any loss, damage, cost or expense we incur arising out of your breach of clause 4 (acceptable use), clause 5 (text and data mining) or clause 8 (material you submit).
15. Suspension of access
We may restrict, suspend or terminate your access to the Website, without notice, if we reasonably consider that you have breached these Terms.
16. Privacy and cookies
Our Privacy Policy and Cookie Policy explain how we handle personal data and how we use cookies and similar technologies. They are incorporated into these Terms by reference.
17. General
17.1 Entire agreement. These Terms, together with the documents referred to in them, constitute the entire agreement between you and us in relation to your use of the Website. They do not affect any separate written agreement between us.
17.2 No waiver. If we do not insist that you perform any of your obligations under these Terms, or if we delay in enforcing our rights, that does not mean we have waived those rights.
17.3 Severability. If any provision of these Terms is found to be unlawful, invalid or unenforceable, the remaining provisions continue in full force.
17.4 Assignment. We may transfer our rights and obligations under these Terms to another organisation, including within our group. You may not transfer yours without our written consent.
17.5 No third-party rights. No one other than you and us has any right to enforce any of these Terms.
17.6 Force majeure. We are not liable for any failure or delay in making the Website available where that failure or delay is caused by events outside our reasonable control.
17.7 Language. These Terms are published in English. If we publish a translation, the English version prevails in the event of a conflict, except where mandatory law provides otherwise.
18. Governing law and jurisdiction
18.1 These Terms and any dispute or claim arising out of or in connection with them, their subject matter or formation, including non-contractual disputes or claims, are governed by the law of the Republic of Estonia.
18.2 The courts of the Republic of Estonia have exclusive jurisdiction, and the court of first instance is Harju County Court.
18.3 If you are a consumer, clauses 18.1 and 18.2 do not deprive you of the protection of the mandatory rules of the law of your country of habitual residence, and you may bring proceedings in the courts of that country.
19. Contact
Questions about these Terms should be sent to fintech@goodface.agency, or by post to Goodface company OÜ, Vesivärava tn 50-201, 10152 Tallinn, Estonia.
