Terms of Use

SmartLoC (the “Website”; www.SmartLoC.link) is owned and operated by Smart Letter of Credit GmbH a limited Company, with its principal address at Zur grünen Brücke 18, 23843 Bad Oldesloe, Germany, registered under number HRB 21406 HL (“SmartLoC”, “us” or “we”).
These terms of use (“Terms of Use”) define the legal framework governing access to and use of the Website.

Access to and use of the Website and the services provided through the Website (Services) are subject to your acceptance of these Terms of Use, as they may be amended from time to time by SmartLoC. Please click on the “I agree” button before accessing the Website to express your consent to these Terms of Use. If you do not accept these Terms of Use, you are not permitted and will not be able to access or use the Website. Please read carefully these Terms of Use, as well as our Privacy Policy on: http://www.smartloc.link/privacy-policy, before using the Website.

You hereby represent and warrant that you have the authority, if you are registering as an authorized representative of a Company, to legally bind the Company you represent, and that you are duly authorized to enter into this Agreement on behalf of it (User Company) or, if you register as an individual, that you are the same person (User). The Service is provided to you at the Website: www.SmartLoC.link and subdomains (the “Website”). The Website, the Service and any other services provided by us through the Website are intended for use only by Users and / or Users Company and these terms are binding and constitute part of the agreement for the Services you are receiving (Agreement).

Use of the Website

Subject to your full and perfect compliance with these Terms of Use, we grant you a personal, non-exclusive, non-transferable and revocable right of access and use of the Website and its content, including without limitation, any designs, images, animations, videos, audio files, fonts, logos, illustrations, compositions, artworks, interfaces, text, literary works and any other materials (“Content”) for the sole purpose of using the Website and receiving the Services. Any other rights are expressly excluded except otherwise provided in a specific written agreement that follows.

Therefore, you shall not, and shall not authorize a third party to, without limitation, (i) modify, reproduce, represent, adapt and/or translate all or any part of the Website and/or the Content; (ii) extract, all or any part of the Website and/or the Content or create any derivative work from all or part of the Website and/or the Content; (iii) reverse engineer, compile, decompile, disassemble or transform, in any way the object code of the Website and/or the Content into source code; (iv) publish and/or make any use of the Content on any website, media, network or system other than those provided by SmartLoC and as expressly permitted under these Terms of Use; (v) use the Website to store or transmit files, materials, data, text, audio, video, images or other content that infringes on any person’s intellectual property rights or is otherwise unlawful; (vi) distribute, license, sublicense, assign, share, sell, resell, rent, lease, loan, transfer, assign, time share or otherwise commercially exploit in any way the Website, the Services and/or the Content; (vii) delete or modify any droit d’auteur, copyright, trademark or any other proprietary rights relating to the Website and/or the Content, which we or our licensors own; or (viii) use the Website, the Services and/or the Content for purposes other than those expressly authorized by these Terms of Use.

In addition, it is strictly prohibited to (i) extract, by permanent or temporary transfer, or re-use all or part of the Content of our Website to another medium, by any means and in any form; (ii) bypass or circumvent any measures employed to prevent or limit access to our Website; (iii) link to any portion of our Website for any purpose; and (v) use any device, software or routine that interferes or attempts to interfere with the normal operation of our Website or take any action that imposes an unreasonable load on our equipment.

We reserve the right to modify all or part of the Website, at any time, including, without limitation, the right to delete, modify and/or vary any elements, features and functions of the Website.

You recognize that you will be able to use the Website only if your device is connected to the Internet network. Traffic or access fees charged to you due to the use of the Website are subject to the general terms concluded with you Internet service provider or mobile network operator. You understand the risks associated with the use of the Internet, including, without any limitation, unavailability of the Website, non-confidentiality or loss of integrity of the data transmitted, potential virus attacks, etc.

Term And Termination

As long as you use the Website, these Terms of Use shall be applicable between you and us.
In the event we consider that your use of the Website is unlawful and/or unauthorized, and/or violates these Terms of Use, we reserve the right to undertake any procedure we deem necessary, including to terminate as of right (de plein droit) your access to the Website and cease the provisions of any Service and to take any legal action we deem appropriate.

Proprietary Rights

The Website, the Services and its Content as well as, without limitation, all copyrights, droits d’auteur, trademarks, trade names, drawings, pictures, databases and any other intellectual property rights in and to the Website, the Services and Content are the property of SmartLoC or its licensors.

Access to and use of the Website, the Services and/or the Content shall not be construed as assigning nor granting any license in respect of any kind of these proprietary rights. We reserve any rights related to the Website that are not expressly granted to you hereunder.


Unauthorised use of this Website, the Services and/or Content may give, apart to any other rights, rise to a claim for damages and/or be a criminal offence.

SmartLoC, its officers, employees, contractors, or content providers shall not be liable for any loss or damage arising from or otherwise in connection with your use of this Website or any information, Services or Content on this Website.

You will be responsible for any loss we suffer as a result of your violation of these Terms of Use. You agree to indemnify and hold harmless SmartLoC and its affiliates, successors, assigns, employees, agents, directors, officers and shareholders, managers, licensors and insurers, from and against all losses, expenses, damages and costs, including reasonable attorneys’ fees, resulting from any violation by you of these Terms of Use.

To the extent permitted by applicable laws, the Website, the Services and its Content are made accessible on an “as is” and “as available” basis. SmartLoC gives no warranty nor represents, without limitation, that (i) the Website and its supporting elements will meet your requirements, (ii) the same will be uninterrupted, timely, or default and error free, (iii) the result that may be displayed through the Website will be accurate, up to date or reliable, (iv) the quality of any data, information or other material obtained will meet your expectations and that such data, information and other material will be default and error free, or that any errors will be corrected. We reserve the right to correct any errors or omissions on our Website. Although we intend to take reasonable steps to prevent the introduction of viruses, worms, “trojan horses” or other destructive materials to our Website, we do not guarantee or warrant that our Website or materials that may be downloaded from our Website do not contain such destructive features. We are not liable for any damages or harm attributable to such features. If you rely on our Website and any materials available through our Website, you do so solely at your own risks.

We reserve the right at any time and from time to time to modify or discontinue, temporarily or permanently, our Website (or any part thereof) with or without notice. You agree that we shall not be liable to you or any third party for any such modification, suspension or discontinuance of our Website.

Links To Third-Party Websites

The Website may contain hyperlinks to websites operated by parties other than SmartLoC. Such hyperlinks are provided for your reference only. We are not responsible for (i) the availability or the content of other services that may be linked to our Website, or (ii) the privacy or other practices of such websites.

Because we have no control over such services, you acknowledge and agree that we are not responsible for the availability of such external services, and that we do not endorse or approve and are not responsible or liable for any content, accuracy, quality, advertising, products, services or other materials on or available from such services. You further acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any content, goods or services available on or through such service.

Modification of The Terms Of Use

We may modify or adapt these Terms of Use at any time, for the future. We will inform you of any substantial modification by placing a notice on the Website. Your continued access and use of the Website after a modification or adaptation of these Terms of Use will be deemed as your acceptance of any modified terms.
If you disagree with any modification or adaptation of the Terms of Use, you must cease accessing and using the Website and consequently the Services.

Governing Law and Disputes

These Terms of Use are governed by and construed in accordance with German law.
In case of dispute, we encourage you to contact us first at legal@smartloc.link, in order to find an amicable solution. If no amicable solution can be reached, any dispute arising in connection with these Terms of Use shall be subject to the jurisdiction of the courts of Germany.


These Terms of Use form the entire agreement between you and us with respect to the subject matter hereof, and supersede the terms of any other communications or advertising with respect to the Website. These Terms of Use shall coexist with, and shall not supersede, our Privacy Policy [http://www.smartloc.link/privacy-policy] and the Agreement.

If any provisions hereof are determined to be illegal, invalid or otherwise unenforceable, in whole or in part, by reason of the laws of any state or country in which these provisions are intended to be effective, then to the extent and within the jurisdiction in which such provisions are illegal, invalid or unenforceable, they shall be severed and deleted from these Terms of Use and the remaining provisions shall survive and continue to be binding and enforceable.

Failure by any party to exercise or enforce any right or provision of these Terms of Use shall not constitute a waiver of such right or provision.