RisCo - Terms and Conditions


By accessing www.risco.ro (RisCo), you agree with the Terms and Conditions listed below (the "Agreement"). These are the terms and conditions under which you are allowed to use the RisCo portal and its sub-domains, as well as the content and online services available on it, the newsletters, databases and other information as displayed or transmitted through the RisCo system (herewith called collectively "the Services").


By further using our services, you agree to abide to the Terms and Conditions of this Agreement. If you don't agree to these Terms and Conditions, RisCo is not in the position to offer you access to its services, and accordingly please do not further access these services any longer.


1. Updates to this agreement. RisCo can modify on occasions parts of this Agreement, at its full discretion. You will be informed about those changes and the new form of the Agreement through the website, when entering your personal account. If you don't accept the changes to the Agreement, you will not be able to access our services any longer. You are therefore advised to read from time to time the Agreement, in order to be updated with the changes. By using the Services, you agree with the changes that occurred within the Agreement.


2. Supplementary conditions. Some of the Services offered or part of them might be governed by supplementary conditions of use, which are properly described on the respective pages or in the contract drafts as displayed on the website. Your agreement to the general conditions include an agreement to the special conditions. If they are in conflict, then the specific supplementary conditions have priority against the general conditions as set in this document.


3. Contracts. The Users can sign contracts with Risco Servicii Financiare SRL for some services offered through the website, which contain specific particular or negotiated conditions. If such conditions are in conflict with the provisions of this Agreement, then the contracts signed between parties will prevail.


4. RisCo. RisCo represents an online service offered through the website www.risco.ro and its sub-domains, allowing for clients to get reports, data and information about the financial and legal standing of Romanian companies.


5. Propriety, General limitations of use

5.1. Propriety. RisCo represents an online service provided through the website www.risco.ro and its sub-domains, which offer the possibility to users to obtain reports, data and information regarding the financial and legal situation of companies registered in Romania.

5.2. Registered trade mark. RisCo - Companies Checking and Monitoring is a registered trade mark of the company Risco Servicii Financiare SRL, according to the Trade Registration paper no 129973 of 01.11.2013, issued by the National Office for Inventions and Marks.

SellNet este marca inregistrata a Risco Servicii

5.3. General limitations of use. With the exception of the case when you have our prior consent, you don't have the right to reproduce, sell, publish, distribute, transmit, broadcast, display, offer or exploit for commercial purposes, the Content available through these Services, with the following exception: if we offer you email or other type of transmission Services associated to a certain article of the Services, you can use the email or otherwise transmission, in order to distribute the information to other people.

5.4. Modification of Content. You agree not to modify or re-arrange the Content. You agree not to use parts of the Content, titles or pieces of it in order to be used within another website or service, or to use the Content to commercial purposes. You agree not to try to upload, display or send any Content offered by the Services to blogs, groups, email lists, electronic newsletters, with the exception of Services offered by RisCo (for example of RSS Feed type), or only after we provide you our written consent to do so.

5.5. Public Information According to Romanian legislation, RisCo has the right to display or use any public information as long as there is no official regulation to restrict / limit / ban the usage.


6.- Confidentiality

6.1. In order to gain access to certain functionalities and Services, you need to be registered as a Client of the www.risco.ro portal (to open a Client Account). When registering, you need to offer real and complete information about yourself as requested. Any information you complete during the registration process or we obtain during your registration is ruled by the principle of data confidentiality. When you register, you need to use a user name and a password, which are unique.

6.2. We reserve our right to refuse allocating to you a user name and a password, should we consider that the user name represents a personification of someone else, or either the user name or the password are not appropriate. It is your responsibility to chose an appropriate password.

6.3. Risco.ro is exonerated by any liability in case another person is using your identity for the Services. In case you have such suspicion, or if you have any evidence that another person is using your password without your consent, please contact immediately the support service of Risco.

6.4. RisCo reserves the right to limit of block the access of any User to the Services, in case we find out that the User is parsing or scanning the site, or using any other means of automatic download of the information presented on the site. Users agree that in case of any suspicion of automatic data downloading, Risco.ro has the full right to introduce automatic programs of recognition of the human character of the operator (CAPTCHA systems), through which it can determine whether the User is a human or a software application.

6.5. Users expressly agree not to use specialized computer software in order to scan/ parse the content and information presented on Risco.ro. Using the site's facilities through launching successive requests, before previous requests have been completed, will be considered as a ""Denial of Service"" or similar attack, and treated as such.

6.6. Users expressly accept not to initiate or deploy any actions that could restrict the free access of any other users to the Risco.ro platform, or the proper use of the Services.


7. Paid Services.

7.1. RisCo provides two types of services: Free Services , which can be accessed and used unlimited by any user, and Paid Services , which can be accessed only based on a price paid for the respective service.

7.2. Details of the Paid Services and the prices are displayed on the website in the page corresponding to each service, respectively and the contractual terms are detailed in the draft contracts as displayed on the respective pages.

7.3. For the acquisition of the Paid Services there is no need to sign a contract between parties. The use of services can legally be performed only on the basis of the fiscal invoice issued after the purchase of the Service.

7.4. Risco credits are valid for 12 months from their purchase date. On expiry of the validity of their system automatically delete all loans existing at that time in the customer account.

7.5. Pentru achizitionarea Creditelor RisCo nu este obligatorie

7.6. Abonamentele Recurente sunt abonamente de servicii RisCo

7.7. Contractul pentru serviciile si abonamentele RisCo este Contract RisCo

7.8. According to Romanian Law no. 227/2015 Art 319, alin. 4 and 24, the users of the www.risco.ro website and the beneficiaries of all Risco Servicii Financiare SRL accept that the invoices will be issued only in electronic format and will be sent only by email to the email address used for opening the account.

7.9. Facturile transmise prin email conform art. 7.8 si necontestate in termen de 5 (cinci) zile de la transmitere sunt considerate a fi acceptate la plata de catre Utilizator.

7.10. RisCo va trimite mesaje automate, cu frecvente

7.11. In conformitate cu Legea 72/2013 privind plata

7.12. RisCo are dreptul de a suspenda furnizarea serviciilor


8. Pricing Policy.

8.1. RisCo has the full and total right to modify, in any manner and at any time, the price of any report offered, according with the costs associated with the acquisition of the reports from various sources, and the operating costs of the service. RisCo cannot be bound to justify in any way or for any reason those changes, nor to fulfill any other formalities against the user of RisCo system.

8.2. RisCo can apply discounts or bonuses to the prices of Services according to its marketing policies.

8.3. In case of Services acquired based on contracts signed with the company Risco Servicii Financiare SRL and valid at the respective date, prices and terms specified in those contracts are valid no matter the changes made over the Services, as displayed on the website.

8.4. Users can ask for the reimbursement of the amounts paid for the acquisition of Credits within 14 (fourteen) days from the acquisition date, in case those services or part of them have not been used. After the expiration of that term, Risco Servicii Financiare SRL will no longer reimburse any amount of money, in full or in part, and Credits remain at the disposal of the User for the entire duration for which they were purchased initially.


9. Stocarea Serviciilor si a Facturilor in Conturile de Utilizator

9.1. Istoricul tuturor serviciilor utilizate este afisat in pagina "Tranzactii Credite" din Dashboard in contul de utilizator. Istoricul este disponibil pe o perioada de 12 luni in urma.

9.2. Rapoartele efectuate si vizualizarile de pagini cu rapoarte NU sunt stocate ca fisiere in contul de utilizator, ci sunt afisate doar ca inregistrari in pagina "Tranzactii Credite".

9.3. Existenta inregistrarilor aferente servciilor in pagina "Tranzactii Credite" reprezinta totodata dovada efectuarii si livrarii serviciilor catre Client.

9.4. Facturile emise sunt afisate in pagina "Facturi Emise" din Dashboard si sunt stocate permanent conform legislatiei in vigoare.


10. Limitarea Rspunderii

10.1. RisCo Services have a purely informative character and DO NOT constitute an advice, recommendation, offer or invitation to buy or subscribe to certain products and/or services, neither does it offer the basis for the termination or cease of any contract or engagement of any kind, nor does it represent a guarantee for the minimization or ellimination of certain risks associated with the activity of the User.

10.2. Using the information contained in the RisCo reports is done solely on the risk of the User. RisCo only represents an electronic interface, through which reports are obtained from different institutions. RisCo reports have an informative purpose for their Users and cannot be used as official documents.

10.3. Neither RisCo, nor any of its employees, assumes any liability regarding:
- Economic losses, including but not limited to, loss of income, profits, contracts, use, opportunity, business or anticipated economies;
- Loss of goodwill, image or reputation;
- Special or incidental losses or damages, direct or indirect, incurred or realised in liaison with the use of the website www.risco.ro and the respective reports;


11. Dreptul de Distribuire a Informatiei

11.1. Users have the full right to use the information and reports, as obtained through the RisCo service, to their personal use or to distribute it for free to third parties, but only in the form supplied to them by the RisCo service.

11.2. With the exception of having our prior written consent, Users do NOT have the right to resell the information/ data/ reports from RisCo, either in the form supplied by the system, or in any other altered form.

11.3. Users agree NOT to modify or re-arrange the content or the information supplied through the Service. Users agree NOT to delete/ remove/ hide through any means the identification signs of RisCo, specifically the RisCo logo and the watermark "RisCo.ro".


12. Continut generat de Utitlizatori

12.1. Continut generat de Utilizatori. Within some of the Services offered, you can tag, rate, vote, make comments or chat regarding various themes of discussion. Any content, information, graph, audio or video recording, images and links you send as part of your client profile or linked to your activities is called ""User generated content"" within this Agreement and is subject to the terms and conditions as detailed below.

12.2. Precautii legate de alti Utitlizatori si Continut generat de Utitlizatori. The Users content include information, opinions and recommendations from many people and organizations, and is destined to help them gain the necessary information to take their own decisions. Users are fully responsible of the decisions they make, as well as for verifying the accuracy of the information they base those decisions on. RisCo does not guarantee any recommendation or opinion expressed by any User. RisCo does not verify continuously the Content received from its Users. However, we reserve the right to monitor or to exclude at any time from our Services any Content from Users, without any prior notice. You need to understand that some Users can impersonate other persons, than their actual identity. RisCo does not continuously control the identity and personal data of Users. We cannot guarantee that the profiles as enrolled by Users are absolutely correct. You need to understand that some Users might use our Services for their own benefit. Accordingly, we advise you to treat messages received with a doses of caution. The Content received from Users might sometimes be erroneous or deceiving.

12.3. Distribuirea Informatiei Utilizatorilor. If you upload, display or send any Content from Users regarding any Services, RisCo assumes that you have the legal rights to do so and that you do not breach any law or other right of any person in this respect. By uploading, displaying or sending Content to RisCo Services you offer us a non-exclusive, transferrable, irrevocable right to use, distribute, publish, show, reproduce and create materials based on the Content received on any media support, in full or in part, without any obligation from RisCo to remunerate you for that. You offer us also the right to authorize the use of the Content by any other Users according to the terms and conditions of this Agreement, including the rights to visualize by other Users the Content displayed by you, including through an instrument of the RSS Feed type.

12.4. Excluderea. RisCo has the right to exclude/ delete any Content from Users for any reasons and without notifying you in advance. This right include all materials related with the use of the Users Services, including the Client Accounts, postings, profiles or other personalized information which you have created since you use the Services.

12.5. Reguli de conduita: All Clients and Users of Services need to comply with the following conduct rules:
- You will not stoke or harm any other User of the website.
- You will not interfere in the use of the Services by other Users, including by interruption of other Users' sessions by using programs, automated or manually to make it difficult to them the use of the Services, or through any other way which negatively affects the access to the Services by other Users,
- You will not try to take over any name or email address for commercial purposes, and will not collect or deposit personal information about any User from the Services section,
- You will not use Services for any illegal purpose and will not download, display or propose any Content generated by Users which is obscene or offending from a racial, ethnic, sexual or other reasons, which is harming, vulgar or disagreeable, which is injurious, or invades the privacy or property rights of another person,
- You will not take over the identity of any person or company, change a relationship with another person or another entity, you will not impersonate a fake identity for deceiving or frauding another person,
- You will not upload, display or propose any Content generated by the Users, which contain viruses, trojans, damaging software or any other software or computer programs conceived so as to interrupt the Services provided by RisCo, the ability of the Users to benefit of Services or the proper functioning of any software, hardware, equipment or materials used in connexion with the Services,
- You will show due respect to other Users. In case that you will not agree with an opinion expressed in the Services, you have the option to express your own opinion. It is advisable, however, to refrain yourself from personal attack against the person who posted his opinions.
- You will not breach any local, national or international laws or regulations of any type of national authority,
- You will not download, display, propose or make available in any other way any Content over which you don't have the legal right to do so under the law or any fiduciary or contractual agreement (such as privileged information, confidential information obtained as part of your employment relations, or under confidentiality agreements),
- You will not download, display, propose or make available in any other way any Content which breaches any authorization, trade mark, commercial secret, copyright or other property rights of any other person,
- You will not download, display or propose irrelevant or improper messages.

12.6. Termeni si Conditii SellNet: avand in vedere ca SellNet reprezinta o retea in cadrul careia Termeni si Conditii SellNet


13. Termination.

13.1. RisCo can interrupt or change in full or in part the Services, or their availability to you, immediately and unilaterally at any time. RisCo can terminate this Agreement and your access to the Services in full, or any part of them, at any time without justifying the reasons to you.

13.2. In case RisCo has decided to unilaterally terminate your agreement and stop your access to the Paid Services, the Users who contracted and paid for RisCo Credits in advance are entitled to receive back the amount corresponding to the unused Credits, in 45-60 days from the date or services termination. If Credits have been acquired at discounted prices, repayment for unused Credits will take place using the same discount rate from acquisition.


14. Site Modification

14.1. RisCo isi rezerva dreptul de a modifica, in baza unor motive obiective without any obligation to justify in any way the change, and without the need of any prior notice or any other formalities given to Users.

14.2 RisCo isi rezerva dreptul de a introduce in orice moment servicii noi,de a actualiza si imbunatatii serviciile existente

14.3. RisCo isi rezerva dreptul de a elimina in orice or to suspend for a duration decided at its discretion the right of the User to use the Services, in part or in full, or to access the site or sections of it, from any reasons including, but without limitation to any reclaim or accusation from third parties or authorities, or in any other case when Risco considers that the User has breached the present Terms and Conditions, or there are any suspicions in this respect. In all cases when Risco.ro will apply any of the measures indicated above, it will have the right, but not the obligation, to justify to the User why such measure has been taken.

14.4. Utilizatorii accepta, in mod expres, ca simpla utilizare In any cases when the Users have objections or reserves as to any of the provisions contained in the present Terms and Conditions, they have the obligation to cease immediately using the website and the Services.


15. Oferirea serviciului "asa cum este"

15.1. Serviciile oferite de catre RisCo sunt puse la dispozitia and with no responsibility whatsoever of RisCo, related with these reports.

15.2. RisCo nu garanteaza accesul sigur, continuu si neintrerupt la serviciile sale. Risco.ro cannot be held liable for any problem or dysfunctionality of the phone or data infrastructure, online internet systems, servers, internet services providers, equipment, software or computers, or any other factor that could harm the User's computer while using this site.

15.3. RisCo va face toate eforturile rezonabile Users accept that incidentally the Services can become unavailable, for reasons including but not limited to malfunctioning of equipment or networks, periodic maintenance or repairing, or other reasons beyond the control of RisCo.

15.4. RisCo nu ofera niciun fel de garantie si nu are nicio raspundere, for the Content offered by its partners or the Users. RisCo.ro cannot be held liable, by any means or extent, for the correctness of these information, for any delays, inaccuracies, errors or omissions with regard to the information presented, or for the transmission or publishing in full or in part of those information, for the results obtained through any kind of use of the information or Services provided through the website, for the compliance with copyright laws or the legal nature or information published on the website, or which have any link with it.

15.5. Site-ul RisCo poate contine legaturi catre alte site-uri sau alte resurse. Because RisCo has no control over those websites and resources, by using the website you agree that RisCo is not responsible of their availability and does not guarantee or endorse any content, publicity, products or other materials from or available on those sites or resources.

15.6. Prin accesarea site-ului www.RisCo.ro sunteti de acord and to cover by yourself any court expenses that might arise from your breaching any of the clauses of the current agreement.


16. Forta majora

16.1. RisCo, in calitate de Furnizor, nu va fi raspunzator

16.2. In cazul existentei unui contract, atat inceputul


17. Notificari

17.1. Orice comunicare, notificare sau avizare adresata

17.2. In cazul in care comunicarea, notificarea sau avizarea


18. Nota de informare privind protectia datelor personale

18.1. RisCo va dedica toate resursele si eforturile necesare pentru

18.2. Politica de Confidentialitate ce contine toate detaliile privind prelucrarea datelor Politica de confidentialitate iar Politica de Utilizare Cookies la adresa Informatii Cookies.

18.3. La optiunea dvs., ne furnizati unele date personale www.risco.ro.

18.4. Drepturi Utilizator: Regulamentul general privind protectia datelor

Aveti posibilitatea ca in orice moment sa va exercitati urmatoarele drepturi:

Dreptul la informare: poti solicita informatii privind activitatile de prelucrare a datelor tale personale;

Dreptul la rectificare: poti rectifica datele personale inexacte sau le poti completa;

Dreptul la stergerea datelor: (dreptul de a fi uitat) poti obtine stergerea datelor;

Dreptul la restrictionarea prelucrarii: poti solicita restrictionarea prelucrarii in cazul;

Dreptul de opozitie: poti sa te opui, in special, prelucrarilor;

Dreptul la portabilitatea datelor: poti primi, in anumite conditii, datele personale pe care;

Dreptul de a depune plangere: poti depune plangere fata de modalitatea de prelucrare a datelor personale;

Dreptul de retragere a consimtamantului: in cazurile in care prelucrarea se intemeiaza pe consimtamantul;

Drepturi suplimentare aferente deciziilor automate: poti cere si obtine interventia umana cu privire.

18.5. Pentru exercitarea acestor drepturi puteti face o cerere in scris

18.6. Daca unele dintre datele dvs. sunt incorecte, va rugam sa ne informati cat mai curand posibil.

18.7. RisCo.ro certifica faptul ca indeplineste cerintele minime


19. Comunicari Comerciale

19.1. RisCo isi rezerva dreptul de a transmite catre toti.

19.2. Orice utilizator se poate dezabona de la comunicarile.

19.3. RisCo nu va transmite comunicari comerciale.


20. General

20.1. This Agreement contains the full and final understanding between parties, regarding the use of Services, and replace all other prior and current Agreements, in oral or in writing, regarding the use of the Services. This Agreement is personal, which means that you cannot cease the rights and obligations from this Agreement to any other third party. No third party is or may be the beneficiary of this Agreement.

20.2. These Terms and Conditions will be used along with the applicable laws of Romania. Up to the limit of the applicable jurisdiction, parties agree that Romanian courts have the exclusive and full competence to judge any litigation between parties, that could arise in conjecture with these Terms and Conditions, and irrevocably agree therefore to the legal competence to judge any litigation to the competent Romanian authorities.


Prezentul Acord a fost actualizat in data de 2 Febraurie 2019 si intra in vigoare la data de 1 Martie 2019.

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