User Terms and Conditions
By using the Testing Portal (“Service”) you agree to be bound by the following terms and conditions (“Terms of Service”). “The Service Provider” is the BFAA – the Baltic Financial Advisers Association, an NGO established under the Latvian law; the Latvian commercial registry code 40008245091; domiciled at Doma Square 8A-6, Riga, Latvia. The Service Provider reserves the right to update and change the Terms of Service from time to time without notice. Any new features that augment or enhance the current Service, including the release of new tools and resources, shall be subject to the Terms of Service. Continued use of the Service after any such changes shall constitute your consent to such changes. You can review the most current version of the Terms of Service at any time at: Violation of any of the terms and conditions below will result in the termination of your Account.
You acknowledge and agree that the form and nature of the Service may change from time to time without prior notice due to the improvement of the Service by the Service Provider.
If you do not agree, you should decline this Agreement and immediately stop using the Service. Access to the Service is permitted only to those that fully agree with the terms and conditions of this Terms of Service agreement.

Account Terms
Your login may only be used by one person – a single login shared by multiple people is not permitted.
You are responsible for maintaining the security of your account and password. The Service Provider shall not be held liable for any loss or damage resulting from your failure to comply with this security requirement.
The Service Provider undertakes to maintain full confidentiality over the passwords related your Account. If you become aware of any unauthorized use of your password or Account, you must notify the Service Provider immediately at

Content Terms
The Service Provider’s Content is protected by copyright. You may not copy, distribute, modify, rent, lease, loan, sell distribute, create derivative works, reverse engineer, decompile or otherwise attempt to extract the source code of the Service or any part thereof without the copyright owner’s respective license.

Cancellation and Termination
Cancellation of an account is only carried out by the representative of an Affiliated Company of the BFAA directly. Service Provider will, however, keep your records in the database for the next 5 years.

General Terms
The Service is provided on an “as is” and “as available” basis.
You understand that the Service Provider uses third party vendors and hosting partners to provide the necessary hardware, software, networking, storage, and related technology required to run the Service.
You agree that the Service Provider may provide you with notices, including those regarding any changes to the Agreement, by email, regular mail, or postings on the Service.
The failure of the Service Provider to exercise or enforce any right or provision of the Terms of Service shall not constitute a waiver of such right or provision.
The Agreement is governed by the Latvian law.
Any disputes related to the Agreement shall be solved by means of negotiations. If the dispute cannot be solved by means of negotiations, the dispute shall be solved in the Riga Court, Latvia.