Intellectual Property Policy

1. Introduction

This Intellectual Property Policy explains the ownership and permitted use of the Bankario platform, including our website, mobile applications, software, branding, content, and related services (the "Services").

By accessing or using Bankario, you agree to respect our intellectual property rights and those of our licensors.

2. Ownership

Unless otherwise stated, all intellectual property rights in the Services are owned by Bankario or its licensors.

This includes, but is not limited to:

• The Bankario name, logo, and branding;
• Website and application design;
• User interface (UI) and user experience (UX);
• Software and source code;
• APIs and integrations developed by Bankario;
• Databases and system architecture;
• Graphics, illustrations, icons, animations, and visual assets;
• Text, documentation, and educational materials;
• Features, functionality, and proprietary technology.

All rights not expressly granted are reserved.

3. Limited License

Subject to these Terms, Bankario grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Services solely for their intended purpose.

This license does not transfer ownership of any intellectual property.

4. Restrictions

You may not:

• Copy, reproduce, or distribute any part of the Services without prior written permission;
• Reverse engineer, decompile, or attempt to extract source code except where permitted by applicable law;
• Modify, create derivative works, or commercially exploit the Services;
• Remove copyright, trademark, or proprietary notices;
• Use Bankario branding without written authorization;
• Use automated systems to scrape or extract data from the Services;
• Misrepresent Bankario or imply any affiliation without permission.

5. Trademarks

"Bankario," our logos, branding, product names, graphics, and associated marks are trademarks or proprietary assets of Bankario.

Nothing in the Services grants any right to use our trademarks without prior written consent.

6. Copyright

All content made available through the Services is protected by applicable copyright laws and international intellectual property treaties.

Unauthorized copying or redistribution may result in legal action.

7. User Content

You retain ownership of any content, information, or materials you submit through the Services.

By submitting content, you grant Bankario a worldwide, non-exclusive, royalty-free license to use, store, reproduce, process, and display such content solely as necessary to operate, maintain, secure, improve, and provide the Services.

You represent that you have all necessary rights to submit such content.

8. Feedback

If you provide suggestions, feature requests, comments, or other feedback regarding the Services, you grant Bankario a perpetual, worldwide, irrevocable, royalty-free license to use, modify, implement, and commercialize that feedback without restriction or compensation.

9. Third-Party Intellectual Property

Certain features of the Services rely on technology, software, trademarks, or services provided by third parties.

All third-party intellectual property remains the property of its respective owners and is used under applicable licenses or agreements.

10. Copyright Infringement

If you believe that material available through the Services infringes your intellectual property rights, please contact us with:

• Your contact information;
• A description of the copyrighted work;
• The location of the allegedly infringing material;
• Evidence supporting your claim;
• A statement that you believe the use is unauthorized.

We will investigate and, where appropriate, remove or disable access to infringing content.

11. Open Source Software

Some components used within the Services may be licensed under open-source licenses.

Where required, those licenses apply only to the relevant open-source components and do not affect ownership of the remaining proprietary portions of the Services.

12. Enforcement

Bankario reserves the right to investigate and take appropriate legal action against any unauthorized use of its intellectual property, including seeking injunctive relief, damages, or other remedies available under applicable law.

13. Changes to this Policy

We may update this Intellectual Property Policy from time to time.

Any changes become effective when published on our website or within the Services.