Terms of use

1. About these terms

These terms of use (the “Terms”) govern your access to and use of the website at beacon.enon.mdand any subdomain, the The Beacon public REST API, email newsletters, the Telegram channel, the X (Twitter) account, and any other interface through which The Beacon publishes content (together, the “Service”). By accessing the Service you agree to these Terms in full. If you do not agree, do not use the Service.

The Service is operated as an independent editorial product. Operator information is published on the imprint page. The phrase “we”, “us” and “our” refers to the operator named there.

2. Nature of the Service — not advice

The Service aggregates and republishes publicly available information from financial-services regulators worldwide. Items surfaced by the Service are journalism, not advice. Nothing published on the Service constitutes legal advice, regulatory advice, tax advice, investment advice, a recommendation to buy, hold or sell any financial instrument, a solicitation to engage with any regulated activity, or an invitation to participate in any market.

The Service does not establish an adviser-client, attorney-client, fiduciary, or any other professional relationship between you and us. You are responsible for your own decisions and for obtaining qualified professional advice where appropriate.

3. Sources and attribution

Every news item on the Service links to a primary public source — the regulator’s own press room, register, decision page, plenary statement, or equivalent. Where we paraphrase or translate a source, the original remains the authoritative version and a link to it is published with the item. Translations are produced by a combination of automated translation tooling and editorial review; we do not warrant their accuracy and recommend consulting the original where exact wording matters.

Bank Pulse scores are computed from public sources (including FDIC call reports, FFIEC FR Y-9C filings, EBA disclosures, and end-of-day market data). The full methodology is published. FATF status follows what the Financial Action Task Force itself publishes in its plenary outcome statements.

4. Editorial independence and corrections

We do not accept payment in exchange for editorial coverage or in exchange for the omission of editorial coverage. Sponsor placements (where present) are clearly labelled and segregated from editorial content; sponsors have no input into what we publish editorially.

If you believe an item misrepresents a regulator, omits material context, or identifies a person or firm in error, write to info@enon.md. We review every request and respond within two business days. Our full editorial standards and corrections policy are published on the editorial policy page.

5. Intellectual property

The selection, arrangement, headlines, summaries, scoring methodology, software, and design of the Service are either owned by us or licensed to us, and are protected by copyright, database-right, and trademark laws. The underlying public records that we link to remain the property of the issuing regulator or copyright holder.

What you may do:read the site, link to individual items, quote short excerpts with attribution (“The Beacon” and a link to the item page), and subscribe to the public RSS feed for personal and editorial use.

What you may not do without a written licence: systematically copy or republish the site or any substantial part of it, train machine-learning models on the site or its API output, scrape the site at volume, redistribute API output beyond your own organisation, remove attribution or methodology links, present our scores or rankings as your own analysis, or use our name, marks, or design elements in a way that implies endorsement of an unaffiliated product.

DMCA and equivalent take-down notices may be sent to info@enon.md; see the copyright complaints policy for the form.

6. API and acceptable use

Access to the public API requires an API key tied to an account. Use of the API is subject to the per-key rate limits and tier requirements published on the API page and to any commercial agreement entered into for paid tiers.

You agree not to:

• circumvent, disable, or otherwise interfere with any security, authentication, or rate-limit feature;
• probe the Service for vulnerabilities except as expressly permitted under a published responsible- disclosure programme;
• transmit malware, attempt unauthorised access, conduct denial-of-service activity, or use the Service to harm any third party;
• use the Service for direct marketing to individuals named in our records, for litigation discovery against individuals named in our records without a lawful basis, or to construct a database of natural persons for resale;
• represent yourself as the originator of content retrieved through the Service, or strip attribution;
• use any automated client (scraper, crawler, headless browser) that ignores our robots.txt, our published rate limits, or our explicit refusals.

We reserve the right to suspend access — with or without notice — where we reasonably believe these obligations have been breached.

7. Accounts

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. Notify us at info@enon.md of any suspected unauthorised use. You may close your account at any time from the account settings page; closure requests are processed within 30 days, after which we retain only the data required to comply with our legal obligations (see the privacy policy).

8. Paid services and refunds

Paid subscriptions (Bank Pulse Pro, API Pro, sponsor packages) renew automatically until cancelled. You can cancel at any time from your account settings; cancellation takes effect at the end of the current billing period. We do not pro-rate refunds for unused time except where applicable consumer-protection law requires it.

EU/EEA/UK consumers retain their statutory right of withdrawal within 14 days of purchase, provided the digital content has not yet been actively used. By starting to use a Pro tier within that 14-day window you acknowledge that you waive the right of withdrawal in respect of the digital content already supplied. Sponsor and enterprise agreements are governed by their own commercial terms.

9. Disclaimer of warranties

To the maximum extent permitted by applicable law, the Service is provided “as is” and “as available”, without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, currency, or uninterrupted availability. Nothing in these Terms excludes or limits any liability that cannot lawfully be excluded or limited — including, for consumers in the EU/EEA/UK, statutory rights and any implied terms that cannot be excluded.

10. Limitation of liability

To the maximum extent permitted by applicable law:

• we are not liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenues, goodwill, or data, arising out of or in connection with your use of the Service, whether based in contract, tort, statute, or any other legal theory;
• our aggregate liability for all claims arising out of or relating to the Service in any 12-month period is limited to the greater of (a) the fees you paid us for the Service during that period and (b) EUR 100.

We do not exclude or limit our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot lawfully be excluded under applicable law. Nothing in this section affects the statutory rights of consumers.

11. Indemnification

If your use of the Service in breach of these Terms gives rise to a third-party claim against us, you agree to indemnify and hold us harmless from the reasonable legal costs of defending that claim, save where the claim arises from our own breach or negligence. This clause does not apply to consumers acting outside their trade, business, craft, or profession.

12. Third-party content and links

The Service links to third-party websites and republishes excerpts from third-party sources. We do not control, and are not responsible for, the content, policies, or practices of any third party. A link from the Service is not an endorsement.

13. Changes to the Service or these Terms

We may change, suspend, or discontinue any part of the Service at any time. Where a change has a material adverse effect on registered users we will give at least 30 days’ notice by email or on-site notice before the change takes effect. Updated versions of these Terms are posted on this page with a revised “last updated” date; continued use of the Service after a revision constitutes acceptance.

14. Governing law and jurisdiction

These Terms and any non-contractual obligations arising out of or in connection with them are governed by the laws of the jurisdiction in which the operator is established, as identified on the imprint page, without regard to its conflict-of-law rules. The courts of that jurisdiction have exclusive jurisdiction to settle any dispute, save that nothing in this clause restricts the mandatory right of consumers domiciled in the EU/EEA to bring proceedings in the courts of their place of residence under Article 18(1) of Regulation (EU) No 1215/2012.

15. Severability and entire agreement

If any provision of these Terms is held unenforceable, that provision is severed and the remainder remains in full force. These Terms (together with the linked policies they reference — privacy, cookies, editorial, DMCA) form the entire agreement between you and us regarding the Service and supersede any prior agreement on the same subject.

16. Contact

General: info@enon.md
Corrections: info@enon.md
Legal & copyright: info@enon.md
Security: info@enon.md