Arizona Tribune - TERMS OF SERVICE

TERMS OF SERVICE OF "ARIZONA TRIBUNE"

 

Provider and contracting party
These Terms of Service govern the provision and use of the services of "ARIZONA TRIBUNE", also referred to as “AZT”, where they have been properly incorporated into the relevant agreement. The service provider and the user’s contracting party is:

SCANDIC TRUST GROUP LLC
IQ Business Centre
Bolsunovska Street 13–15
01014 Kyiv / Ukraine
Email: [email protected]
Legal form: limited liability company incorporated under Ukrainian law, LLC.
Ukrainian registration entry: 1010351020000018952.

This address serves as the company’s operational and correspondence address. SCANDIC TRUST GROUP LLC is referred to below as the “provider”, “we” or “us”. "ARIZONA TRIBUNE" is the publication’s title and does not constitute a separate legal entity. The registration particulars identify the Ukrainian company; they are not an Arizona business registration, a United States incorporation number or a United States tax identification number.

 

Registered office and registered address

SCANDIC TRUST GROUP LLC
Oksamytova Street 1-b, Office 30
Sofiivska Borshchahivka
Kyiv Region - 08147 / Ukraine

 

Technical operation and administration

SCANDIC ASSETS FZCO
Dubai Silicon Oasis DDP
Building A1/A2
Dubai - 342001 / United Arab Emirates
Telephone: +971 54 221 5217.

SCANDIC ASSETS FZCO provides technical operation and administration within the scope of its appointment. Providing technical services does not, by itself, make that company the user’s contracting party. Responsibility for the provider’s contractual commitments remains with SCANDIC TRUST GROUP LLC. Each company’s responsibilities depend on its actual activities, obligations undertaken and applicable law. The involvement of a technical supplier, commercial intermediary or payment processor does not, by itself, transfer the provider’s contractual obligations to that person.

 

1. General provisions
1.1 Scope and formation of the contract
These Terms apply to the websites of "ARIZONA TRIBUNE" and to related applications, feeds, interfaces, software, downloads and other services where actually offered and expressly referring to these Terms. They are collectively referred to as the “services”. A user is a person using the services. Whether a person qualifies for a particular consumer protection depends on the definitions and scope of the applicable legislation. Before entering into an agreement, the user must receive reasonably conspicuous notice of the applicable terms and a reasonable opportunity to read and retain them. Acceptance must be established through conduct that clearly signifies agreement in the circumstances, such as an appropriately explained acceptance control during registration or ordering. Merely visiting a publicly accessible page does not create a payment obligation or establish acceptance of every contractual provision. A link in a website footer does not, by itself, establish informed agreement to undisclosed obligations. Individually negotiated provisions and clearly accepted service-specific conditions take precedence over inconsistent general provisions, subject to mandatory law. Obligations imposed by law apply independently of whether a contract has been formed.

 

1.2 Changes to these Terms
The provider may propose changes in response to developments in legislation, relevant case law or genuine changes to the services. Where a proposed change affects an existing agreement, the user will receive clear advance information about its substance, reason and proposed effective date in a form that can be retained, such as email. Except where a change follows directly from mandatory law or falls within a valid and sufficiently specific contractual provision, the user’s agreement is required. Publishing revised terms, remaining silent or continuing to use a service alone will not be treated under these Terms as acceptance of a contractual amendment. Users are not required to inspect the website continually to discover changes to an existing agreement. This provision does not authorize unrestricted price increases, new payment obligations, retroactive changes to accrued rights or the introduction of arbitration or other dispute restrictions without a valid agreement.

 

1.3 Rejection of proposed changes
If the user does not accept a proposed contractual change, the existing agreement continues on its previously agreed terms, except to the extent that mandatory law requires otherwise. The user may stop using the services and request account closure or subscription termination in accordance with section 10.1. Rejection of a proposed change does not, by itself, create a penalty or additional charge. Any right of either party to end the agreement must have a lawful basis and comply with the applicable contractual and statutory requirements. The provider may propose different terms for a genuinely new agreement or renewal, provided those terms are properly disclosed and accepted. Termination or renewal must not be used to evade accrued obligations, existing refund rights or the prohibition of deceptive practices.

 

1.4 Changes to digital content and services
The provider may make proportionate adjustments necessary to address security risks, comply with legal requirements or maintain compatibility with systems and interfaces used to deliver an agreed service. Such adjustments must not be used to impose undisclosed charges or remove material features promised to the user. Material changes will be explained in advance wherever reasonably practicable; urgent security measures may require immediate action. Under these Terms, if a provider-initiated change materially reduces the agreed benefit of a paid service, the user may terminate the affected agreement without an early termination charge and receive a refund for the prepaid portion no longer supplied. Further remedies available under applicable law remain unaffected. Free services may be modified or discontinued with reasonable notice where appropriate, subject to existing commitments. Changes in the ordinary selection of news, editorial subjects or individual articles do not, by themselves, amount to a failure to supply an agreed subscription.

 

2. Service content and copyright
2.1 Protected content
Articles, photographs, video, audio recordings, illustrations, graphics, compilations, software and other materials made available through the services are referred to as “content”. Unless a different license or permission applies, the provider’s permission to use protected content is limited to personal, noncommercial use. Copyright and other intellectual property rights belong to the provider or the relevant rights holders to the extent that legal protection exists. These Terms do not create exclusive rights in facts, events, ideas, public-domain material or other matter that the law leaves unprotected. A compilation may receive protection for original selection or arrangement without conferring ownership of the underlying facts. Access to a service or payment for a subscription does not transfer ownership of its content.

 

2.2 Conditions governing further use
Protected content must not be reproduced, adapted, translated, distributed, publicly displayed, publicly performed or otherwise used in a manner reserved to a rights holder without the necessary permission or a lawful basis. Fair use under section 107 of the United States Copyright Act remains available according to its statutory requirements. Assessment considers the purpose and character of the particular use, the nature of the protected work, the amount and substantiality used, and the effect on the potential market for or value of the work. Criticism, comment, news reporting, teaching, scholarship and research may qualify, but none automatically authorizes every use. There is no universal permitted word count or percentage, and attribution alone does not make copying lawful. Automated collection, text and data analysis, and the development or use of artificial intelligence must likewise respect applicable copyright, access restrictions, privacy obligations and valid contractual commitments. These Terms do not declare every automated use unlawful or every artificial-intelligence-related use fair. The permissions and restrictions in this section preserve uses independently permitted by applicable law.

 

2.3 Downloads, copies and links
Downloading or retaining copies for personal, noncommercial use is permitted to the extent authorized by the service’s functionality, an applicable license or the law. Copyright notices, credits and other rights information must be preserved where required. Permission to save an article does not generally authorize public redistribution, sale, systematic republication or sharing subscription credentials. Sharing a link to a publicly accessible article is permitted, provided the presentation does not misleadingly suggest endorsement, impersonate the publication or facilitate unlawful access. Public accessibility does not, by itself, place protected content in the public domain. Uses exceeding the permission granted require appropriate authorization unless the law permits them independently.

 

2.4 Third-party content
Some content may originate from news agencies, photographers, independent contributors or other suppliers. Applicable licensing restrictions must be respected where they bind the user and have been properly disclosed. These Terms do not grant rights that the provider does not possess. The use of third-party material does not automatically exclude responsibility for the provider’s own conduct, contractual commitments or involvement in unlawful publication. Protections available under section 230 of the Communications Act, 47 U.S.C. § 230, concern qualifying circumstances involving information provided by another information content provider; they do not create blanket immunity for the provider’s own content or for every type of claim. Copyright complaints are addressed separately under section 11.4.

 

3. User content, comments and reviews
3.1 Rules for submitting user content
This section applies only where a service allows users to submit content. Users must not submit unlawful material, actionable defamatory allegations, unlawful threats or harassment, material infringing intellectual property or privacy rights, child sexual abuse material, or nonconsensual intimate imagery, including unlawful digital fabrications. Fraud, harmful impersonation, malicious software, unsolicited bulk messages and repeated posts materially disrupting a discussion are prohibited. As participation rules, the services may also exclude pornography, targeted abuse, discriminatory personal attacks and other material incompatible with the stated purpose of a discussion area, even where the material is not independently unlawful. These contractual participation standards do not classify every offensive statement as a criminal offense. Lawful criticism, unfavorable consumer feedback and disagreement alone are not breaches of these Terms. Measures addressing a breach must comply with sections 3.4, 6.3 and 10.2.

 

3.2 Advertising within user content
User-contribution areas are primarily intended for discussion and other noncommercial participation. Advertisements, fundraising solicitations and offers to sell goods or services require prior permission where the relevant area is not intended for such activity. Genuine references to products, services or businesses may be made where relevant to the discussion and not presented as concealed advertising. Material commercial relationships, employment connections, sponsorship, gifts and other incentives must be disclosed clearly where necessary to avoid misleading readers. Permission to post does not replace applicable advertising, consumer protection, securities or other legal requirements. Advertising and promotional statements remain subject to the Federal Trade Commission Act and the Arizona Consumer Fraud Act within their respective scope.

 

3.3 Rights in user content
Users retain their rights in the content they submit. Submission grants the provider a nonexclusive, royalty-free license limited to storing, technically reproducing, formatting, transmitting and displaying the contribution within the service to which it was submitted. The license is worldwide because the service is accessible through the internet and continues for the period of authorized publication. Technical changes must not misleadingly alter the contribution’s meaning. Technical suppliers may handle the contribution only to the extent necessary to perform those functions on the provider’s behalf. This license does not transfer copyright ownership or grant a general right to sell the contribution, use it in unrelated advertising, license it for unrelated artificial intelligence training or exploit it through unrestricted future uses. A separate permission or other lawful basis is required for uses outside this license. Applicable attribution, integrity, privacy and other rights remain unaffected.

 

3.4 Restrictions on content and challenges to decisions
Where reasonable grounds indicate that a contribution breaches the law or the applicable participation rules, the provider may restrict its visibility, disable access or remove it. The response must be proportionate to the nature, seriousness and repetition of the breach. Where appropriate and legally permissible, the affected user will receive an explanation and an opportunity to challenge the decision through the contact details in section 11.4. Urgent action may be taken to protect people, systems, evidence or legal rights without advance notice. The provider retains lawful editorial discretion over the selection and presentation of material, subject to its contractual commitments and applicable law. These Terms do not promise publication of every submission or continuous monitoring of all contributions. Any protection for good-faith moderation under 47 U.S.C. § 230 depends on the statutory conditions; it does not replace obligations arising independently of that protection.

 

3.5 Removal and further retention
Users may request removal of their own contributions. Once a contribution is removed, the license under section 3.3 to display it publicly ends. Further retention is permitted only to the extent necessary and lawful, including compliance with legal obligations, preservation of evidence, the establishment or defense of legal claims and temporary backup retention under appropriate deletion arrangements. Retention does not, by itself, authorize republication. Removal from the provider’s service does not guarantee removal of copies lawfully retained or independently published by others. Requests concerning personal information will be considered under the applicable privacy requirements. Account closure, withdrawal of permission for public display and deletion of personal information are distinct matters; the provider will assist in clarifying the user’s request.

 

3.6 Reviews and conflicts of interest
Reviews must reflect genuine experiences or opinions. A person involved in producing, selling, distributing or promoting the subject of a review must not present a commercially connected contribution as an independent consumer assessment without the necessary disclosure. The same principle applies to reviews of competitors where a material conflict exists. Fabricated reviews, invented experiences, concealed insider testimonials, prohibited incentives conditioned on positive or negative sentiment, and manipulation of ratings are prohibited. Relevant business practices must comply with the Federal Trade Commission’s Rule on the Use of Consumer Reviews and Testimonials, 16 C.F.R. Part 465, and applicable law concerning endorsements. That rule does not impose a universal obligation to investigate every review merely because a business hosts it. These Terms do not prohibit protected consumer reviews, impose a fee for an unfavorable assessment or require transfer of the intellectual property rights in a review contrary to the Consumer Review Fairness Act, 15 U.S.C. § 45b. Lawful moderation of material falling within the Act’s exceptions remains available.

 

4. Use of the services
4.1 Technical requirements and protection of systems
Use of the services requires a suitable device, internet connection and compatible software. Features relying on email require access to the relevant email account. Material requirements concerning functionality, compatibility, technical protection measures or additional equipment must be disclosed before the user enters into the affected paid agreement. Unauthorized access to accounts, distribution of malicious code, interference with security, deliberate overloading and circumvention of access controls without permission or a lawful entitlement are prohibited. Automated access must respect applicable law and any validly agreed restrictions and must not materially impair the services. Properly authorized security testing and conduct independently permitted by law are not prohibited by this provision. A breach of a website rule does not automatically establish a criminal offense under the Computer Fraud and Abuse Act, 18 U.S.C. § 1030; criminal and civil liability under that Act depend on its statutory elements.

 

4.2 Advertising and third-party links
The services may contain advertisements, sponsored features, affiliate promotions and links to external websites. Their commercial nature and material relationships must be disclosed clearly where required to prevent deception. Paid promotion must not be presented misleadingly as independent editorial judgment. A purchase from another supplier is governed by the agreement with that supplier unless the provider is itself the seller or has undertaken an additional obligation. A link does not, by itself, guarantee every statement or service on the destination website. The provider remains responsible for its own commercial offers, representations, contractual commitments and breaches of applicable duties. Concerns about an advertisement, misleading promotion or external link may be reported through section 11.4.

 

5. Obligations, service quality and liability
5.1 User responsibility
Users must hold the necessary rights or have another lawful basis for content they submit or use. Responsibility for a breach is assessed under applicable law, taking account of the conduct concerned, the relevant duty, causation, loss and any applicable defenses. These Terms do not impose an unrestricted obligation on the user to indemnify the provider, its employees, suppliers or partners against every third-party claim. A claim for compensation or recovery of costs must have a valid legal basis and must not require payment for consequences for which the user is not legally responsible. The provider’s own misconduct or breach is not transferred to the user merely because a third party makes a complaint.

 

5.2 Performance and remedies for defective supply
The provider must supply the agreed content and services in accordance with the contract and applicable law. Express descriptions, material representations and commitments made as part of an accepted offer must be honored. Under these Terms, where a paid service materially fails to meet the agreement, the provider will investigate and, where reasonably possible, correct the deficiency within a reasonable time without an additional charge. Where correction is not reasonably possible, is not provided within a reasonable time or would not adequately address the failure, the user may request an appropriate refund for the affected service. A material failure may also justify termination, with a refund for prepaid service no longer supplied. These contractual remedies supplement other remedies available under applicable law. Maintenance, interruptions, cyber incidents or a supplier’s failure do not automatically eliminate responsibility. Any legal defense based on events beyond a party’s control must satisfy its own requirements. Archived reporting must be understood in its original time context; retaining an article is not a promise to update every historical statement continuously.

 

5.3 Compensation and liability
The provider’s liability is determined under applicable law, including the requirements governing contractual claims, negligence, publication-related claims and statutory remedies. These Terms do not impose a general monetary liability cap, exclude every category of consequential loss or require users to accept paid services entirely at their own risk. They do not exclude liability for fraud, intentional misconduct, gross negligence or liability that cannot lawfully be excluded. Whether a particular loss is recoverable depends on the applicable cause of action, proof, causation, foreseeability, mitigation and other legal requirements. No particular level of uninterrupted access, investment performance or other outcome is guaranteed unless expressly undertaken. General journalism and information do not constitute individualized legal, financial, medical or other professional advice. That description does not remove responsibility for unlawful publication, deceptive commercial statements or breach of an obligation actually undertaken.

 

5.4 Complaints and requests for remedies
A complaint may be submitted by email to [email protected] or by post to the provider’s correspondence address. Please identify the service, describe the problem, state the remedy requested and provide the information reasonably necessary for a response. The provider will acknowledge and assess the complaint within a reasonable time, taking account of its urgency and complexity, and explain the outcome. An investigation must not be used to postpone a refund beyond an applicable legal deadline. Refunds due under the agreement will be processed without unnecessary delay, ordinarily through the original payment method unless another appropriate method is agreed. A refund fee or compulsory store credit will not be imposed in place of money properly due. Contacting the provider does not suspend a statutory limitation period or a payment-dispute deadline unless the law or a valid agreement provides otherwise.

 

6. User accounts
6.1 Registration and account information
Where registration is available or required, users must provide accurate and current information limited to what is reasonably necessary for the relevant service. Mandatory information and the purpose of requesting it must be explained. Registration does not, by itself, create a paid subscription, authorize recurring charges or establish consent to unrelated marketing or unrestricted disclosure of personal information. A public display name need not disclose the user’s legal identity unless a legitimate requirement is clearly explained for the particular service. Identity verification must have an appropriate purpose and be proportionate to the circumstances. An identity document must not be demanded automatically where less intrusive verification is sufficient.

 

6.2 Protection of login credentials
Users must take reasonable steps to protect their login credentials and notify the provider where they reasonably suspect unauthorized access or misuse. Access must remain within the permissions granted for the relevant account or subscription. The provider must take appropriate steps to protect the account and assist with restoration of legitimate access. Responsibility for activity through an account depends on the actual circumstances and applicable law. The fact that another person used valid credentials does not automatically make the account holder liable for every resulting transaction or loss. Rights concerning unauthorized payments and errors in billing remain unaffected. Users should not include full payment-card details, passwords or unnecessary identity documents in ordinary complaint emails.

 

6.3 Temporary restrictions on accounts
Access may be temporarily restricted where specific circumstances indicate misuse, a material breach of these Terms or a security risk. Restrictions must be proportionate and last no longer than reasonably necessary to address the issue. Where appropriate and legally permissible, the user will receive reasons and an opportunity to challenge or remedy the matter. Restrictions must not be used to obstruct a legitimate complaint, cancellation, protected consumer review or refund request. Suspension does not automatically forfeit prepaid amounts or other accrued rights. If an account restriction prevents access to an ordinary cancellation facility, cancellation remains available through the provider’s published email address.

 

6.4 Users under 18
Publicly available news is not subject under these Terms to a general minimum reading age of 13. Contractual capacity is a separate matter from permission to read news or the rules governing children’s personal information. Eighteen is ordinarily the age of majority in Arizona; the enforceability of an agreement involving a younger person depends on applicable law and the circumstances, including any relevant exception. Where an adult contracting party is required for a paid service, that requirement must be disclosed. A parent or guardian does not become personally liable merely because of the relationship. The Children’s Online Privacy Protection Act and its implementing rule, 16 C.F.R. Part 312, apply to covered child-directed services and qualifying collection from children under 13 with actual knowledge. Where applicable, the provider must supply the required notices, obtain verifiable parental consent unless a statutory exception applies, and respect parental rights and security, retention and disclosure requirements. Separate parental consent must be obtained for third-party disclosures where the amended rule requires it. Acceptance of these Terms or an age statement alone does not displace those obligations.

 

7. Paid services and consumer rights
7.1 Orders and payment obligations
A payment obligation arises only under a valid agreement for an actually offered paid service. Before ordering, the user must receive clear information about the supplier, the principal characteristics of the service, the price, applicable taxes and unavoidable charges, the currency, payment method and frequency, performance arrangements, duration, renewal and cancellation conditions. A price stated in dollars must identify the applicable currency where the context could otherwise be misleading. Material technical requirements and restrictions on access must also be disclosed. Users must be able to review the order and correct input errors before submitting it. The ordering process must make the payment obligation clear and obtain an affirmative act of agreement. Preselected paid extras and the publication of revised terms do not, by themselves, authorize additional charges. The provider will supply confirmation of the order and the applicable terms in a form the user can retain. Where a third-party marketplace is the actual seller or administers billing, that role and the applicable cancellation arrangements must be disclosed before purchase; such arrangements do not eliminate the provider’s own obligations.

 

7.2 Cancellation rights, refunds and disputed payments
Rights to cancel, stop renewal, obtain a refund or dispute a payment depend on the applicable agreement and law. They are distinct and must not be presented as interchangeable. The following principles apply:

- Online purchases: federal law and Arizona law do not establish a general 14-day cancellation right for every online newspaper subscription or digital-content purchase. A contractual trial, refund promise or satisfaction guarantee is binding according to its valid terms and applicable law. Mandatory rights arising from another applicable jurisdiction remain available.
- Particular cooling-off rights: the Federal Trade Commission’s Cooling-Off Rule, 16 C.F.R. Part 429, concerns specified sales made at a buyer’s home or certain other locations and does not generally cover transactions conducted entirely online, by mail or by telephone. Any applicable Arizona home-solicitation or other transaction-specific cancellation right must be honored according to its own conditions.
- Defective supply and misleading transactions: the absence of a general change-of-mind cancellation period does not remove remedies for nonperformance, material breach, deceptive practices, misrepresentation or unauthorized charges. A description such as “nonrefundable” cannot validate a charge that was never authorized or defeat a refund otherwise required by law or these Terms.
- Ending future renewal: a user may stop an automatically renewing subscription as provided in sections 7.3, 7.4 and 10.1. Stopping renewal ordinarily leaves access available until the end of the paid subscription term. It does not automatically create a right to repayment for an otherwise properly supplied period, unless the offer, these Terms or applicable law provides one.
- Recurring account debits: where the Electronic Fund Transfer Act and Regulation E apply, preauthorized transfers must satisfy the applicable authorization requirements. Under 12 C.F.R. § 1005.10(b), the required authorization must be in a writing signed or similarly authenticated by the consumer, and the person obtaining it must provide a copy. Applicable rights to revoke authorization, stop payment and dispute transfers remain unaffected.
- Credit-card billing errors: rights under the Fair Credit Billing Act and Regulation Z remain available where applicable. The statutory billing-error procedure generally requires the creditor to receive the qualifying notice within 60 days after transmitting the first periodic statement reflecting the error. Contacting the provider does not replace a notice required to be sent to the creditor or extend that deadline. Different rules govern other payment methods and claims.
- Refund processing: amounts properly due will be refunded without unnecessary delay and within any applicable statutory deadline. The provider will explain any proposed deduction and its legal or contractual basis. A user will not be required to waive unrelated claims, withdraw a truthful review or accept promotional credit as a condition of receiving an undisputed refund.

 

7.3 How to cancel
A cancellation or nonrenewal notice may be sent by email to [email protected] or by post to the provider’s correspondence address. Any other legally permitted method or cancellation facility offered for the service may also be used. Under these Terms, a subscription entered into directly with the provider online will have an accessible online cancellation method; email remains an available alternative. A clear statement identifying the subscription and the decision to cancel or stop renewal is sufficient. The provider will not require an unnecessary telephone call, attendance in person, a handwritten signature or an identity document where proportionate verification is possible by other means. A retention offer may be made without delaying or obstructing cancellation and need not be accepted. The provider will confirm receipt and the effective date, but the validity of the notice does not depend on discretionary approval or prior confirmation. For contractual nonrenewal by email, a message reaching the published mailbox before the disclosed renewal deadline will be treated as timely even if processed later. More favorable statutory rules remain unaffected.

 

Optional cancellation notice
Complete and send this notice only if you wish to cancel a service, terminate an agreement or stop automatic renewal. Use of this form is not required.

To: SCANDIC TRUST GROUP LLC
IQ Business Centre
Bolsunovska Street 13–15
01014 Kyiv / Ukraine
Email: [email protected]

I give notice that I wish to cancel / terminate / stop automatic renewal of the following agreement:
Service or subscription:
Order or subscription reference, if available:
Order date or subscription commencement date, if known:
Name and email address associated with the account:
Requested effective date, if applicable:
Refund requested and reason, if applicable:
Date of notice:

Providing a reason is unnecessary when merely stopping renewal or exercising a right that does not require one. Please do not include passwords, full payment-card numbers or unnecessary identification documents.

 

7.4 Subscriptions, trial periods and services without a monetary charge
The duration of a subscription, billing intervals, charges, any minimum commitment, renewal arrangements and the method of stopping renewal must be clearly disclosed and agreed before enrollment. A billing interval is not necessarily the same as the subscription term: an annual commitment paid in monthly installments must be identified as such. A free or discounted trial may become a paid subscription only where the subsequent price, charging date, recurring nature and cancellation arrangements were clearly disclosed and expressly accepted in advance. Where section 4 of the Restore Online Shoppers’ Confidence Act, 15 U.S.C. § 8403, applies, material transaction terms must be clearly disclosed before billing information is obtained, express informed consent must be obtained before charging, and simple mechanisms must be provided to stop recurring charges. Under these Terms, the provider will send a reminder sufficiently before a trial becomes chargeable or an annual subscription automatically renews to allow a reasonable opportunity to cancel; any more specific applicable statutory reminder requirement must also be met. Renewal charges and price changes require a valid contractual basis and compliance with section 1.2. Providing personal information, registering an account or accepting a privacy notice does not authorize payment. Free services remain subject to applicable privacy, advertising and other legal requirements; the absence of a monetary charge does not authorize deceptive practices or unrestricted use of personal information.

 

8. Communications with users
8.1 Newsletters and marketing communications
Commercial email must comply with the Controlling the Assault of Non-Solicited Pornography and Marketing Act of 2003, commonly known as the CAN-SPAM Act, and applicable implementing rules. Requirements include accurate sender and routing information, nondeceptive subject lines, advertising identification where required, a valid physical postal address and a clear means of opting out. A qualifying opt-out request must be honored within 10 business days, without a fee or an unnecessary demand for additional personal information. Federal CAN-SPAM requirements do not establish a universal prior-consent rule for every commercial email; any consent requirement or more protective applicable rule must nevertheless be observed. Under these Terms, accepting the agreement does not itself subscribe the user to an optional promotional newsletter. Marketing calls and text messages, if offered, must separately comply with the Telephone Consumer Protection Act and applicable federal and state requirements; merely supplying a telephone number does not establish every legally required consent.

 

8.2 Operational and contractual notices
The provider may send communications genuinely necessary for performance of an agreement, account security, payment administration, complaint handling, lawful changes or compliance with a legal obligation. Such messages must remain limited to their purpose and must not be used to circumvent a marketing opt-out. Whether an email qualifies as transactional or relationship content under federal law depends on its actual content and primary purpose, not merely the label assigned to it. Opting out of advertising does not prevent essential service communications. A service message must not introduce an additional payment obligation that the user has not validly accepted.

 

8.3 Statistics and similar information
Analysis of service use must comply with applicable law and the relevant privacy disclosures. Aggregation, hashing or replacement of names with identifiers does not necessarily make information anonymous. Information must not be described as anonymous where individuals can reasonably be identified or linked to it in the circumstances. Cookies, pixels, advertising identifiers and similar technologies must be deployed consistently with applicable notice, consent, opt-out and communications-privacy requirements. These Terms do not provide blanket permission for targeted advertising, disclosure of viewing histories, interception of communications or sharing personal information with unrelated businesses. Where applicable law requires recognition of a browser-based opt-out signal or another privacy preference, that requirement must be honored. Requirements depend on the relevant jurisdiction, service and processing activity; a single rule is not represented as applying identically to every user.

 

8.4 Surveys and voluntary participation
Participation in surveys, polls and comparable voluntary activities is optional. The purpose, any incentive and the intended use of information must be explained before participation. Where personal information is collected, the applicable privacy disclosures and safeguards must be provided. Refusing an optional survey does not, by itself, remove rights under an existing agreement. A survey must not be used to conceal advertising, obtain an undisclosed recurring-payment authorization or create a misleading impression that an individual is required to participate. Any consent relied upon may be withdrawn in accordance with its terms and applicable law.

 

9. Software
9.1 License and statutory rights of lawful users
Where an application or other software is supplied as part of a service, the user receives a limited, nonexclusive license for the disclosed and agreed purpose. Material restrictions concerning devices, functionality, duration and permitted use must be explained before the relevant agreement is made. Restrictions on copying, modification, distribution or reverse engineering apply only within the scope of a valid agreement and applicable law. Statutory permissions and exceptions remain available according to their conditions, including qualifying rights under 17 U.S.C. § 117 for owners of copies of computer programs and applicable interoperability or other exceptions under 17 U.S.C. § 1201. Those provisions do not grant every licensee an unrestricted right to copy software or circumvent access controls. Open-source components remain subject to their applicable licenses. Contractual commitments concerning software quality, security and agreed updates remain unaffected.

 

10. Ending the contractual relationship
10.1 Termination by the user
A user may request closure of a free account at any time by emailing [email protected]. A rolling subscription may be stopped from renewing at the end of its current agreed term by timely notice; an expressly agreed fixed-term subscription may likewise be stopped from renewing. Earlier termination and refund rights arising under the law, these Terms or the particular agreement remain available. Any early termination charge must have been clearly disclosed and validly agreed and must not constitute an unenforceable penalty. These Terms do not automatically accelerate every remaining installment merely because a user requests termination. Account closure, subscription termination, revocation of a payment authorization and deletion of personal information are distinct matters, but the provider will help clarify an ambiguous request. Closing an account does not waive a refund or another accrued remedy. Stopping a payment instruction alone does not necessarily end an underlying contractual obligation; conversely, valid cancellation must be reflected in subsequent billing, and a revoked payment authorization must not be treated as continuing permission to debit an account.

 

10.2 Termination by the provider
The provider may terminate an agreement on a lawful or validly agreed ground, including a material breach by the user. The response must be proportionate to the nature and seriousness of the breach. Where the problem can reasonably be remedied and immediate action is unnecessary, the provider will explain it and allow a reasonable opportunity to correct it. Urgent security restrictions under section 6.3 do not automatically justify permanent termination. A paid fixed-term service will not be ended merely at the provider’s unrestricted discretion. Where discontinuance prevents supply of prepaid service, the unused portion must be refunded, without limiting further remedies. Termination must not be used to evade obligations concerning changes, complaints, protected reviews or refunds. Provisions that properly need to continue after termination, including accrued lawful payment obligations, necessary retention duties and resolution of existing claims, continue only to the extent required by their purpose and applicable law.

 

11. Further provisions
11.1 Governing law and jurisdiction
Agreements into which these Terms have been validly incorporated are governed by the laws of the State of Arizona and applicable federal law of the United States. This choice does not displace mandatory protections available under another applicable law through the relevant choice-of-law rules. The provider’s foreign incorporation does not, by itself, remove obligations arising from transactions or activities subject to United States or Arizona law. Courts with jurisdiction are determined under the applicable rules concerning subject-matter jurisdiction, personal jurisdiction and venue. These Terms do not require exclusive litigation in Berlin, Kyiv or Dubai. They do not impose mandatory arbitration, waive the right to a jury where otherwise available, prohibit qualifying collective proceedings or shorten statutory limitation periods. Any statutory procedural requirement remains applicable. Attorney fees and litigation costs are recoverable only on an applicable legal basis; these Terms do not create an automatic right for the provider to recover every expense of a dispute.

 

11.2 Personal information and privacy
The collection, use, disclosure, security and retention of personal information are governed by applicable federal and state law and the provider’s relevant privacy commitments. The Privacy Policy must explain the responsible entities, information practices, purposes, relevant recipients, retention arrangements and available rights in terms appropriate to the actual services. Acceptance of these Terms is not blanket consent to personal-information processing, behavioral advertising, sale or sharing of information, or unrestricted international disclosure. Rights under another state’s comprehensive privacy legislation or a foreign privacy law apply where that law’s own jurisdictional and substantive conditions are satisfied; they are not treated as universally applicable to every user. International operations and the involvement of overseas suppliers do not eliminate applicable duties. Where Arizona Revised Statutes §§ 18-551 and 18-552 apply, security incidents must be investigated promptly and qualifying breach notices must be given within the statutory period, generally 45 days after determination of a security system breach, subject to the statutory conditions and exceptions. Additional notifications may be required depending on the number of affected individuals. The existence of editorial activities does not create a general exemption for account administration, billing, marketing or analytics.

 

11.3 Delivery and legal notices
Contractual notices, complaints, cancellation requests and other communications may be sent to the provider’s published email or correspondence address, subject to additional methods required by law or offered for the service. Electronic records and signatures may have legal effect under the Electronic Signatures in Global and National Commerce Act and Arizona’s Electronic Transactions Act. Those statutes do not dispense with the need for contractual assent, authority, required disclosures or compliance with applicable consumer-consent requirements. Where a legally required written disclosure is to be supplied electronically, any applicable conditions concerning consent, access and retention must be met. Sending an email does not automatically establish that it has been read, and these Terms do not deem every notice received regardless of delivery circumstances. Special requirements governing service of court documents, subpoenas and other formal process remain applicable. Users are not required to surrender legal representation or treat an internal complaint as a universal prerequisite to approaching a court or competent authority.

 

11.4 Contact point, unlawful-content notices and complaints
Questions, complaints, correction requests, notifications of unlawful content and challenges to restrictions on an account or contribution may be sent to [email protected]. A notification should identify the precise page, material or decision, explain the concern, state the action requested and provide information reasonably necessary for a response. An ordinary correction or privacy complaint need not be presented as a copyright notice. A formal copyright notice under 17 U.S.C. § 512(c)(3) must substantially include the required signature, identification of the protected work and disputed material, information sufficient to locate the material, contact particulars, a good-faith statement and the required statement concerning accuracy and authority under penalty of perjury. Where the statutory counter-notice procedure applies, the affected contributor may submit a compliant counter-notice, including its required identification, statements, signature and limited consent to jurisdiction and service. Restoration under that procedure is subject to its conditions, including the statutory period and any qualifying notice of court proceedings. Knowingly material misrepresentations may create liability under 17 U.S.C. § 512(f). Eligibility for a copyright safe harbor depends on all applicable requirements, including any required registered agent designation and reasonably implemented repeat-infringer policy; this general contact address is not represented merely by its publication as a registered Digital Millennium Copyright Act agent. Reports of nonconsensual intimate imagery will be treated urgently. Where a service is a covered platform under the TAKE IT DOWN Act, Public Law 119-12, its required notice-and-removal procedure applies, including removal of qualifying material within 48 hours after receipt of a valid request and reasonable efforts to identify and remove known identical copies within that period. A person need not hold an account to submit such a request.

 

Provider and correspondence address

SCANDIC TRUST GROUP LLC
IQ Business Centre
Bolsunovska Street 13–15
01014 Kyiv / Ukraine
Email: [email protected]

 

Technical operation and administration

SCANDIC ASSETS FZCO
Dubai Silicon Oasis DDP
Building A1/A2
Dubai - 342001 / United Arab Emirates
Telephone: +971 54 221 5217.

 

11.5 Alternative resolution of consumer disputes
Users may contact the provider to seek resolution of a contractual dispute. The parties may agree to mediation or another appropriate voluntary process after a dispute arises, without surrendering rights unless they knowingly enter into a valid agreement providing otherwise. These Terms do not claim membership of an unidentified ombudsman, arbitration organization or consumer-resolution scheme. Concerns about deceptive commercial practices may be reported to the Arizona Attorney General or the Federal Trade Commission within their respective authority. Payment-related complaints may also be directed to the relevant financial institution or competent regulator. A regulatory complaint does not guarantee individual compensation or replace a court proceeding where one is necessary. Access to competent courts, including an available small-claims procedure, remains unaffected. Discussions or voluntary mediation do not suspend a limitation period or payment-dispute deadline unless the law or a valid agreement provides otherwise.

 

Relevant legislation and case law
The following legislation and decisions are relevant according to the nature of the particular service or agreement, their territorial scope and the provisions in force:

- The Arizona Consumer Fraud Act, Arizona Revised Statutes §§ 44-1521 through 44-1534, particularly § 44-1522: applicable prohibitions on deceptive or unfair commercial conduct, false promises, misrepresentations and specified concealment or omission of material facts. Section 5 of the Federal Trade Commission Act, 15 U.S.C. § 45, provides a separate federal framework for unfair or deceptive commercial practices.
- The Electronic Signatures in Global and National Commerce Act, 15 U.S.C. §§ 7001 through 7031, and Arizona’s Electronic Transactions Act, Arizona Revised Statutes §§ 44-7001 through 44-7051: recognition of qualifying electronic records, signatures and transactions, without eliminating the need for agreement or other substantive legal requirements.
- Darner Motor Sales, Inc. v. Universal Underwriters Insurance Co., 140 Ariz. 383, 682 P.2d 388 (1984), and Maxwell v. Fidelity Financial Services, Inc., 184 Ariz. 82, 907 P.2d 51 (1995): Arizona principles concerning standardized agreements, reasonable expectations and unconscionability. The application of those principles depends on the agreement and circumstances; not every standard term is invalid.
- Berman v. Freedom Financial Network, LLC, 30 F.4th 849 (9th Cir. 2022), and Douglas v. United States District Court, 495 F.3d 1062 (9th Cir. 2007): decisions addressing online notice, assent and attempted contractual amendments. They illustrate the significance of the actual interface and notice given; their state-law analyses must be understood in the context of the law applied in each case.
- Dobson Bay Club II DD, LLC v. La Sonrisa de Siena, LLC, Arizona Supreme Court, No. CV-16-0029-PR, decided April 25, 2017: agreed damages must satisfy Arizona’s requirements governing compensation and unenforceable penalties. A contractual label does not make every late-payment or termination charge enforceable.
- The Restore Online Shoppers’ Confidence Act, 15 U.S.C. §§ 8401 through 8405, particularly § 8403: disclosures, express informed consent and simple mechanisms for stopping recurring charges in covered online negative-option transactions.
- Custom Communications, Inc. v. Federal Trade Commission, 142 F.4th 1060 (8th Cir. 2025), and the Federal Trade Commission’s implementing action published at 91 Federal Register 6507 on February 12, 2026: the 2024 amendments commonly described as the federal “Click-to-Cancel” rule were vacated, and the earlier text of 16 C.F.R. Part 425 was restored. That development does not repeal the Restore Online Shoppers’ Confidence Act or remove obligations under other applicable law or these Terms.
- The Federal Trade Commission’s Cooling-Off Rule, 16 C.F.R. Part 429: cancellation rights for specified transactions made at a consumer’s home or certain other locations, subject to its thresholds and exclusions. It does not establish a general cooling-off period for purchases conducted entirely online.
- The Electronic Fund Transfer Act and Regulation E, including 12 C.F.R. § 1005.10, and the Fair Credit Billing Act and Regulation Z, including 12 C.F.R. § 1026.13: distinct protections concerning qualifying recurring debits, payment authorization, stop-payment instructions and credit billing errors. Their procedures and deadlines depend on the payment method and claim.
- The United States Copyright Act, Title 17 of the United States Code, including §§ 102, 106, 107 and 117: protection of qualifying expression, exclusive rights, fair use and specified permissions concerning computer programs. Facts and ideas do not become exclusively owned merely because they appear in a protected publication.
- Andy Warhol Foundation for the Visual Arts, Inc. v. Goldsmith, 598 U.S. 508 (2023): the purpose and character of the particular challenged use matter to the first fair-use factor; a claimed new meaning or aesthetic does not automatically resolve the analysis.
- Section 230 of the Communications Act, 47 U.S.C. § 230, and the Digital Millennium Copyright Act provisions in 17 U.S.C. § 512: separate, conditional frameworks relevant to third-party content and qualifying copyright safe harbors. Neither creates general immunity for every activity of an online publisher.
- The Consumer Review Fairness Act, 15 U.S.C. § 45b, and the Federal Trade Commission’s Rule on the Use of Consumer Reviews and Testimonials, 16 C.F.R. Part 465: protection against prohibited contractual restrictions on consumer reviews and regulation of specified false-review, testimonial, incentive and suppression practices.
- The Computer Fraud and Abuse Act, 18 U.S.C. § 1030, and Van Buren v. United States, 593 U.S. 374 (2021): statutory restrictions on unauthorized computer access, with important limits on treating improper purposes or violations of use policies as exceeding authorized access.
- The Children’s Online Privacy Protection Act, 15 U.S.C. §§ 6501 through 6506, and the Children’s Online Privacy Protection Rule, 16 C.F.R. Part 312, including the amendments whose general compliance deadline was April 22, 2026: applicable safeguards for covered collection, use and disclosure of children’s personal information, including parental consent, security and retention requirements.
- Arizona Revised Statutes §§ 18-551 and 18-552: investigation and notification requirements for qualifying personal-information security breaches, including statutory timing, notice contents, additional recipients and exceptions.
- The Controlling the Assault of Non-Solicited Pornography and Marketing Act of 2003 and its implementing rules: applicable commercial-email identification, accuracy, postal-address and opt-out requirements. Classification depends on the message’s actual primary purpose.
- The TAKE IT DOWN Act, Public Law 119-12, particularly section 3: notice-and-removal obligations for covered platforms concerning qualifying nonconsensual intimate depictions, including digital forgeries. The platform obligations became effective on May 19, 2026.
- Arizona Revised Statutes § 12-341.01: a court may award reasonable attorney fees to the successful party in a qualifying contested contractual action; the provision does not establish an automatic entitlement to every litigation expense.

 

Final provisions
These Terms must be interpreted consistently with applicable law, the parties’ valid agreement and the duty of good faith and fair dealing. Whether a provision is incorporated, enforceable, unconscionable or contrary to public policy is determined under the applicable legal standards. If a provision is invalid or unenforceable, the effect on the remaining agreement is determined by law; the provision is not automatically replaced with wording that most benefits the provider or reproduces an unlawful result. A failure to exercise a right on one occasion does not, by itself, waive that right for every future occasion. These Terms do not erase specific commitments forming part of the agreement, excuse fraud or misrepresentation, or make computer records conclusive proof of a disputed transaction. Mandatory rights remain available even where they are not expressly listed. A new version does not retrospectively amend an existing agreement merely because it is published.

 

Contact:
"ARIZONA TRIBUNE"
Email: [email protected]

 

© 2026 "ARIZONA TRIBUNE" - All rights reserved, subject to statutory exceptions.

 

Last updated: November 1, 2026.