Terms & Conditions

Aug. 5, 2026

Last Updated: October 2026

These Terms and Conditions (“Terms”) govern your use of the BBA FinTech website, products, services, applications, and related services provided by BBA FinTech (“BBA FinTech”, “BBA”, “we”, “us”, or “our”).

By accessing or using our website or services, you agree to be bound by these Terms.

If you do not agree with these Terms, please do not use our website or services.

1. Use of Our Website and Services

You agree to use the BBA FinTech website and services only for lawful purposes and in accordance with these Terms.

You must not use our website or services:

For any unlawful purpose
To violate applicable laws or regulations
To interfere with or compromise the security or operation of our systems
To attempt unauthorized access to systems, data, or accounts
To transmit malicious or harmful material
In a manner that infringes the rights of BBA FinTech or another party

2. Products and Services

BBA FinTech provides technology, analytics, artificial intelligence, advisory, modelling, training, fraud intelligence, pricing, asset-liability management, and related services.

Descriptions of products and services on our website are provided for general informational purposes and may be subject to separate agreements, statements of work, subscription agreements, or other contractual terms.

Where a separate written agreement applies to a product or service, that agreement will govern to the extent of any conflict with these Terms.

3. Communications

By providing your contact information to BBA FinTech, you authorize us to use that information for purposes reasonably related to your enquiry, account, service relationship, or other interaction with us, subject to applicable law and our Privacy Policy.

Where communications require express consent, BBA FinTech will obtain that consent in accordance with applicable requirements.

4. SMS and Mobile Messaging Terms

4.1 Consent to Receive Messages

If you expressly opt in to receive SMS or MMS messages from BBA FinTech, you agree to receive text messages from BBA FinTech at the mobile telephone number you provide.

Messages may include:

Fraud alerts
Security notifications
Service notifications
Account-related communications
Customer support communications
Other messages specifically identified at the time of opt-in

Your consent applies only to the BBA FinTech messaging program for which you expressly opted in.

4.2 Message Frequency

Message frequency varies depending on the applicable messaging program and your interactions with BBA FinTech.

Message and data rates may apply.

4.3 No Purchase Required

Your consent to receive SMS or MMS messages is not a condition of purchasing any product or service from BBA FinTech.

4.4 Opting Out

You may opt out of SMS or MMS messages at any time by replying:

STOP

to a BBA FinTech message.

After receiving an opt-out request, BBA FinTech will process the request in accordance with applicable messaging requirements.

4.5 Help

For assistance with BBA FinTech SMS or MMS messaging, reply:

HELP

or contact:

contact@bbafintech.com

4.6 Mobile Information and Consent

BBA FinTech does not sell, rent, share, or otherwise provide your mobile telephone number, SMS/MMS opt-in information, or messaging consent data to third parties or affiliates for their own marketing or promotional purposes.

Your SMS/MMS consent is specific to BBA FinTech and is not transferred or sold to another business for marketing or promotional purposes.

Where a third-party communications provider is used to deliver messages on behalf of BBA FinTech, that provider may process the relevant information solely to provide the messaging service to BBA FinTech and may not use the information for its own marketing or promotional purposes.

4.7 Changes or Termination

BBA FinTech may modify, suspend, or terminate a messaging program where reasonably necessary, including for technical, operational, regulatory, or security reasons.

5. Intellectual Property

Unless otherwise stated, the BBA FinTech website, content, trademarks, logos, designs, software, methodologies, models, documentation, and other materials are owned by or licensed to BBA FinTech and are protected by applicable intellectual property laws.

You may not reproduce, distribute, modify, reverse engineer, or commercially exploit BBA FinTech intellectual property without prior written authorization.

6. Confidentiality

Information submitted to BBA FinTech through the website should not be considered confidential unless BBA FinTech has expressly agreed to treat the information as confidential through a separate agreement.

Customers using BBA FinTech products and services may be subject to separate confidentiality and data-processing obligations.

7. Third-Party Services

BBA FinTech may use third-party technology, hosting, analytics, communications, security, artificial intelligence, and other service providers to operate its business and provide services.

Such providers may process information on behalf of BBA FinTech in accordance with applicable contractual and legal requirements.

8. Links to Third-Party Websites

Our website may contain links to third-party websites or services.

BBA FinTech does not control and is not responsible for the content, availability, security, or privacy practices of third-party websites.

9. Disclaimer

Information provided through the BBA FinTech website is provided for general informational purposes and does not constitute legal, financial, investment, accounting, regulatory, or other professional advice unless expressly provided under a separate engagement.

BBA FinTech does not guarantee that information available through the website will always be complete, accurate, current, or uninterrupted.

10. Limitation of Liability

To the maximum extent permitted by applicable law, BBA FinTech will not be liable for indirect, incidental, special, consequential, or punitive damages arising from or related to the use of the website or services.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited.

11. Privacy

Your use of the BBA FinTech website and services is also subject to our Privacy Policy.

Our Privacy Policy explains how we collect, use, protect, and disclose personal information.

Privacy Policy:

https://www.bbafintech.com/priv-policy

12. Changes to These Terms

BBA FinTech may update these Terms from time to time.

Updated Terms will be posted on this page with a revised “Last Updated” date.

Your continued use of the website following publication of updated Terms constitutes acceptance of the updated Terms to the extent permitted by applicable law.

13. Governing Law

These Terms shall be interpreted and governed in accordance with applicable law and any jurisdiction specified in a separate agreement governing the relevant BBA FinTech product or service.

14. Contact

Questions concerning these Terms may be directed to:

BBA FinTech

Email: contact@bbafintech.com

Website: www.bbafintech.com

Terms & Conditions

Aug. 5, 2026

Last Updated: October 2026

​

These Terms and Conditions (“Terms”) govern your use of the BBA FinTech website, products, services, applications, and related services provided by BBA FinTech (“BBA FinTech”, “BBA”, “we”, “us”, or “our”).

By accessing or using our website or services, you agree to be bound by these Terms.

If you do not agree with these Terms, please do not use our website or services.

​

1. Use of Our Website and Services

​

You agree to use the BBA FinTech website and services only for lawful purposes and in accordance with these Terms.

You must not use our website or services:

For any unlawful purpose

To violate applicable laws or regulations

To interfere with or compromise the security or operation of our systems

To attempt unauthorized access to systems, data, or accounts

To transmit malicious or harmful material

In a manner that infringes the rights of BBA FinTech or another party

​

2. Products and Services

​

BBA FinTech provides technology, analytics, artificial intelligence, advisory, modelling, training, fraud intelligence, pricing, asset-liability management, and related services.

Descriptions of products and services on our website are provided for general informational purposes and may be subject to separate agreements, statements of work, subscription agreements, or other contractual terms.

Where a separate written agreement applies to a product or service, that agreement will govern to the extent of any conflict with these Terms.

​

3. Communications

​

By providing your contact information to BBA FinTech, you authorize us to use that information for purposes reasonably related to your enquiry, account, service relationship, or other interaction with us, subject to applicable law and our Privacy Policy.

Where communications require express consent, BBA FinTech will obtain that consent in accordance with applicable requirements.

​

4. SMS and Mobile Messaging Terms

​

4.1 Consent to Receive Messages

If you expressly opt in to receive SMS or MMS messages from BBA FinTech, you agree to receive text messages from BBA FinTech at the mobile telephone number you provide.

Messages may include:

Fraud alerts

Security notifications

Service notifications

Account-related communications

Customer support communications

Other messages specifically identified at the time of opt-in

Your consent applies only to the BBA FinTech messaging program for which you expressly opted in.

​

4.2 Message Frequency

​

Message frequency varies depending on the applicable messaging program and your interactions with BBA FinTech.

Message and data rates may apply.

​

4.3 No Purchase Required

​

Your consent to receive SMS or MMS messages is not a condition of purchasing any product or service from BBA FinTech.

​

4.4 Opting Out

You may opt out of SMS or MMS messages at any time by replying:

STOP

to a BBA FinTech message.

After receiving an opt-out request, BBA FinTech will process the request in accordance with applicable messaging requirements.

​

4.5 Help

For assistance with BBA FinTech SMS or MMS messaging, reply:

HELP

or contact:

contact@bbafintech.com

​

4.6 Mobile Information and Consent

​

BBA FinTech does not sell, rent, share, or otherwise provide your mobile telephone number, SMS/MMS opt-in information, or messaging consent data to third parties or affiliates for their own marketing or promotional purposes.

Your SMS/MMS consent is specific to BBA FinTech and is not transferred or sold to another business for marketing or promotional purposes.

Where a third-party communications provider is used to deliver messages on behalf of BBA FinTech, that provider may process the relevant information solely to provide the messaging service to BBA FinTech and may not use the information for its own marketing or promotional purposes.

​

4.7 Changes or Termination

​

BBA FinTech may modify, suspend, or terminate a messaging program where reasonably necessary, including for technical, operational, regulatory, or security reasons.

​

5. Intellectual Property

​

Unless otherwise stated, the BBA FinTech website, content, trademarks, logos, designs, software, methodologies, models, documentation, and other materials are owned by or licensed to BBA FinTech and are protected by applicable intellectual property laws.

You may not reproduce, distribute, modify, reverse engineer, or commercially exploit BBA FinTech intellectual property without prior written authorization.

​

6. Confidentiality