Terms & Conditions
Talentix Mobile Application
Introduction
These Terms and Conditions govern access to and use of the mobile application called "Talentix" (hereinafter, the "Application"), developed and managed by Talentix Impresa Sociale Srl, as well as the contractual relationship between the Supplier and Users who access the Service.
The Application is a digital platform intended for educational purposes and to support learning about the use of cash. It can be used by adult Users and by minors exclusively through registration by a Parent or Legal Guardian, in accordance with these Terms and Conditions.
These Terms and Conditions, together with the Privacy Policy, govern the use of the Application and apply to all Users who access it, regardless of the type of Account or role held.
The Supplier reserves the right to modify these Terms and Conditions and the Privacy Policy at any time. Any changes will be communicated to Users via the Application or by other appropriate means. Use of the Application after the publication of the changes implies acceptance of the same.
The Application is not an e-commerce site, does not manage payments or cash flows, and does not provide financial or intermediation services. Any economic relations between Users and third parties take place outside the Application and under the sole responsibility of the parties involved.
Art. 1 – Definitions
For the purposes of these Terms and Conditions, the terms listed below shall have the meanings specified herein:
Supplier
Talentix Impresa Sociale Srl, registered office Piazza Carlo Felice, Turin 10121, VAT number 12471440011, email info@talentix.it, the entity that develops, manages and makes the Application available.
Application / App
The mobile application called "Talentix", available on official stores, accessible only after registration, intended for educational purposes and to support cash management.
Service
The digital service for education and support in learning how to use cash, aimed at promoting autonomy and awareness in purchases, intended for adult Users, underage Users and vulnerable individuals. The Service does not constitute a financial, payment or money brokering service, nor does it constitute economic or financial advice.
User
Any person who accesses the Application for any reason.
Adult User
A natural person who is at least 18 years of age, registers independently with the Application and accepts these Terms and Conditions on their own behalf.
Minor User
A natural person under the age of 18 who uses the Application exclusively through an Account created and managed by a Parent or Legal Guardian. The Minor User does not independently enter into a contract with the Supplier nor does he/she assume any direct contractual obligations.
Parent / Legal Guardian
The person who exercises parental responsibility or legal guardianship over the Minor User and who registers with the Application, accepting these Terms and Conditions and the Privacy Policy also in the name and on behalf of the minor.
Caregiver
The person authorised by the Parent/Legal Guardian or adult User to access the Application in a limited and non-operational mode, mainly for viewing purposes. The Caregiver is not a party to the contract and does not assume any obligations towards the Supplier.
Seller / Merchant
The third party who joins the Application by uploading products and related QR codes, enabling the use of the Service for educational purposes during purchases. The Seller operates independently and does not establish any relationship of representation, collaboration, association or economic intermediation with the Supplier.
Account
The personal profile created within the Application, associated with login credentials and User data, as well as, where applicable, linked profiles (minor User, Caregiver).
Wallet
The virtual and conceptual representation of the User's cash, used exclusively for educational and learning support purposes. The Wallet does not constitute a payment account, electronic wallet or money holding instrument, and the Supplier does not manage or hold User funds.
Artificial Intelligence System / Support System
The technological system integrated into the Application that uses artificial intelligence techniques to recognise images of coins and banknotes and to suggest amounts, with the sole function of supporting and assisting the User. The Support System is not decision-making, may be subject to errors and always allows for verification and correction by the User.
Art. 2 – Subject of the Contract
These Terms and Conditions govern access to and use of the "Talentix" Application and regulate the contractual relationship between the Supplier and adult Users and/or Parents or Legal Guardians who register underage Users.
The Application is designed to offer a basic financial education programme aimed at supporting individuals who have difficulty using cash, including vulnerable individuals, through digital learning support tools.
The Service is also aimed at vulnerable individuals and underage Users and is based on technological support tools, including artificial intelligence systems, which operate exclusively for educational and assistance purposes, without replacing human judgement or guaranteeing the absence of errors.
The Supplier does not provide payment services, does not manage cash flows, does not hold User funds and does not act as a financial intermediary or guarantor of transactions between Users and Sellers.
Access to the Application is only permitted after registration and creation of an Account, in accordance with the procedures set out in these Terms and Conditions.
Art. 3 – Methods of Accessing the Service
The Application can be used free of charge, with limited functionality, or on a subscription basis, which allows access to additional features. The characteristics of the different access modes are indicated within the Application.
In any case, the Supplier does not manage payments or cash flows on behalf of Users.
Art. 4 – Registration, Accounts and Roles
Registration with the Application
Access to the Application is only permitted after registration and creation of a personal Account. Registration requires the entry of true, complete and up-to-date personal data and acceptance of these Terms and Conditions and the Privacy Policy.
The data requested during registration may include, by way of example, name, surname, residence, city and a unique disability code, treated as special data pursuant to Article 9 of the GDPR.
It is prohibited to:
- Provide false data or data relating to persons other than the User
- Register on behalf of third parties without the appropriate legal title
- Use other Users' Accounts
Registration of adult Users
Adult Users may register independently on the Application by providing the data requested during registration. By creating an Account, adult Users declare that they are over 18 years of age and have full capacity to act.
The adult fully accepts these Terms and Conditions and the Privacy Policy and assumes all responsibility related to the use of the Application and the Service.
Registration of underage Users
Minors cannot register independently on the Application. Account registration must be initiated by a Parent/Legal Guardian, who:
- Creates a personal Account
- Enters the minor's data in accordance with the procedures provided for by the Application
- Declares, under their own responsibility, that they exercise parental responsibility or legal guardianship over the minor
- Accepts these Terms and Conditions and the Privacy Policy also in the name and on behalf of the minor User
Role of the Parent or Legal Guardian
The Parent or Legal Guardian has the right to manage the Account settings, authorise or revoke access to specific features, view information relating to the use of the Service and authorise, where applicable, the geolocation of the minor User.
The Parent or Legal Guardian undertakes to supervise the minor's use of the Application and to provide them with adequate instructions and support.
Caregivers
The Parent or Legal Guardian, as well as the adult User, may authorise one or more Caregivers to access the Application in limited mode. The Caregiver:
- Accesses only the features expressly authorised
- Operates in non-operational mode and mainly for viewing purposes
- Cannot perform dispositive actions on the Account
- Does not assume any contractual obligations towards the Supplier
Access credentials and security
The login credentials for the Account are personal and non-transferable. The User, or the Parent/Legal Guardian in the case of a minor User Account, is responsible for the safekeeping of the credentials and for any activity carried out through the Account.
In the event of loss or unauthorised use of the credentials, the User is required to notify the Supplier promptly.
Account cancellation
Adult Users or Parents/Legal Guardians may request the deletion of the Account at any time using the functions provided in the Application. Account deletion entails the deactivation of access to the Service and the deletion of data in accordance with the Privacy Policy.
Restrictions and suspension
The Supplier reserves the right to suspend or limit access to the Account in the event of a breach of these Terms and Conditions, misuse or use contrary to the educational purposes of the Service and/or technical or security requirements.
Art. 5 – Operation of the Service and Wallet
The Application allows the User to use digital tools to support learning and cash management during simulations or real purchase transactions made with participating Vendors.
The Service is designed for educational and support purposes only and does not in any way replace the control, supervision or human judgement of the User, Parent/Legal Guardian or other responsible parties.
The User uses the Application in relation to real money at their sole disposal, used directly for purchases from Vendors, without such money ever being managed, held or intermediated by the Supplier.
The Wallet is populated by the User by scanning QR codes relating to the amounts used in purchases. The Supplier does not hold, receive, transfer or manage Users' money, and all payment transactions take place outside the Application and under the sole responsibility of the User and the Seller.
The Supplier assumes no responsibility for the availability, use or loss of cash by the User.
Art. 6 – Artificial Intelligence and Transaction Verification
The Application incorporates an Artificial Intelligence System that recognises images of coins and banknotes and provides suggestions regarding the amounts to be used and any change. The Supplier declares that the Artificial Intelligence System:
- Operates exclusively as a support tool
- Does not make autonomous decisions
- Does not approve or reject financial transactions
- May be subject to recognition or suggestion errors
User responsibilities
The User is always required to verify the accuracy of the information provided by the Support System and may modify or correct it before completing the transaction.
The completion of an operation implies that the User has verified the amount, checked the correctness of the information displayed and knowingly confirmed the operation.
The Supplier is not responsible for any errors resulting from failure to verify by the User, misuse of the Service, incorrect confirmation of amounts or data.
Data and image processing
During the use of the Service, the Application may acquire images and technical data relating to the recognition of coins and banknotes. Such data is processed in anonymised form, is not directly associated with the User's identity, and may be used exclusively for the purposes of improving and training the Support System, as indicated in the Privacy Policy.
Responsibilities of Parents/Legal Guardians
The Parent or Legal Guardian acknowledges that the Service may be subject to technical limitations and errors. The Parent or Legal Guardian is required to assess the suitability of the Service in relation to the conditions and abilities of the minor or vulnerable person, undertakes to ensure adequate supervision, and remains responsible for the decisions and operations carried out by the minor through the Application.
The Supplier does not guarantee the absence of errors in image recognition, the absolute correctness of suggestions, or the achievement of specific educational or behavioural results.
Art. 7 – Temporary Storage of the Last Screenshot
In order to provide the User with an additional level of control and awareness of the transaction carried out, the Application may store the last screenshot uploaded by the User in relation to the individual verification transaction, making it temporarily viewable to the User and, in the case of a minor or vulnerable User, to the Parent/Legal Guardian.
This storage is carried out exclusively for the purpose of allowing verification of the amount, facilitating understanding of the transaction carried out, and allowing the correction of any errors.
The screenshot does not constitute proof of payment, is not used for commercial purposes and is not shared with third parties. It is stored for a limited period of time and in accordance with the Privacy Policy.
Art. 8 – Third-Party Services, Firebase Analytics and Absence of Advertising
The Application uses technological services provided by third parties, including the Google Firebase platform, exclusively for the purposes of development, technical management, security, diagnostics and statistical analysis of the Application's functioning.
In particular, the use of Firebase Analytics is limited to the collection of aggregate and technical data relating to the use of the Application, in order to improve performance, identify anomalies and ensure an adequate user experience.
The Application does not use advertising systems, does not carry out personalised advertising, does not perform commercial profiling activities and does not use User data for promotional or marketing purposes. The Supplier does not transfer User data to third parties for advertising purposes nor does it allow the insertion of advertising content within the Application.
Art. 9 – Geolocation, Sellers and Third-Party Services
The Application may include geolocation features to allow the display of participating Sellers in the vicinity and, subject to authorisation, the display of the User's location to the Parent/Legal Guardian or Caregiver.
Geolocation is optional and disabled by default. It can be enabled or disabled at any time via the device or Application settings. Enabling geolocation requires the express consent of the adult User or, in the case of a minor User, the Parent/Legal Guardian.
The Supplier does not guarantee the absolute accuracy of the location detected and is not responsible for any inaccuracies, interruptions or malfunctions of the geolocation service.
Sellers
The Sellers displayed through the Application are independent third parties who have joined the Service to allow the use of the Application for educational purposes. The Supplier does not control or verify the products, prices or operating methods of the Sellers and does not intervene in commercial relations between the User and the Seller. Any disputes relating to purchases made from Sellers must be resolved directly between the User and the Seller.
Art. 10 – User Obligations and Proper Use
The User, or the Parent/Legal Guardian in the case of a minor User, undertakes to use the Application in a lawful and correct manner and in accordance with the educational purposes of the Service. In particular, the User undertakes to:
- Provide truthful, complete and up-to-date data
- Use the Application exclusively for personal and educational purposes
- Remain responsible for all activities carried out through their Account
- Not use the Application for purposes other than those intended for educational purposes
- Not circumvent or attempt to circumvent the security measures of the Application
- Not interfere with the technical functioning of the Service
- Not use the Application in such a way as to cause damage to third parties
Consequences of violations
Any use of the Application contrary to these Terms and Conditions, the purposes of the Service or applicable law may result, at the Supplier's discretion, in the temporary limitation of functionality, the suspension of the Account and/or the permanent cancellation of the Account.
Art. 11 – Limitations of Liability of the Supplier
To the extent permitted by applicable law, the Supplier shall not be liable for any direct or indirect, pecuniary or non-pecuniary damage suffered by the User or third parties in connection with the use of the Application and the Service, except in cases of wilful misconduct or gross negligence.
The Service is provided as an educational support tool and does not guarantee results. The Supplier shall not be liable for:
- Payment errors or misuse of cash
- Financial losses or differences between suggested amounts and amounts actually paid
- Decisions, actions or omissions made by the User based on the suggestions provided by the Support System
- The suitability of the Service with respect to the User's personal circumstances
- Lack of or insufficient supervision by the Parent/Legal Guardian
- Interruptions to the Service due to maintenance, technical malfunctions or force majeure
- Content, products or services offered by Sellers
Art. 12 – Intellectual Property
All content of the Application, including but not limited to text, images, graphics, logos, trademarks, interfaces, features, software and artificial intelligence systems, is the exclusive property of the Supplier or the legitimate rights holders.
The User does not acquire any intellectual property rights over the Application or its contents, but only a personal and non-transferable right of use, within the limits of these Terms and Conditions.
It is forbidden to copy, modify, reproduce, distribute or use the contents of the Application for purposes other than those provided for without the prior written consent of the Supplier.
Art. 13 – Suspension, Termination and Cancellation
The Supplier reserves the right to suspend or terminate, in whole or in part, the provision of the Service for technical, security or maintenance reasons or for reasons of force majeure.
The Supplier may also suspend or cancel the User's Account in the event of a breach of these Terms and Conditions or misuse of the Application.
The User may request the cancellation of their Account at any time in accordance with the procedures set out in the Application.
The termination of the Service or the cancellation of the Account does not entitle the User to any compensation or indemnity, except as provided for by law.
Art. 14 – Changes to the Terms and Conditions
The Supplier reserves the right to amend these Terms and Conditions at any time. Users will be notified of any amendments via the Application or by other appropriate means.
Use of the Application after the publication of the amendments implies acceptance of the same.
Art. 15 – Processing of Personal Data
The processing of Users' personal data is carried out in compliance with EU Regulation 2016/679 (GDPR), Legislative Decree 196/2003 as amended and applicable legislation on the protection of personal data.
The Data Controller is Talentix Impresa Sociale Srl, with registered office in Piazza Carlo Felice, Turin 10121, VAT number 12471440011, email info@talentix.it.
The types of data processed include common personal data and data relating to underage Users and may include name, surname, residence, city and a unique disability code, processed as special category data pursuant to Article 9 of the GDPR with enhanced security measures.
No automated decisions are made pursuant to Article 22 of the GDPR. Geolocation features are optional, disabled by default and can only be enabled with express and revocable consent.
The User declares that they have read the Privacy Policy, made available within the Application, which forms an integral part of these Terms and Conditions.
Art. 16 – Applicable Law and Jurisdiction
These Terms and Conditions are governed by Italian law.
Any dispute relating to the validity, interpretation, execution or termination of these Terms and Conditions shall be settled by the Court of the place of residence or domicile of the User, if they qualify as a consumer, and in all other cases, the Court of the place where the Supplier is based.
Art. 17 – Communications
For any communication or request relating to the Application and the Service, the User may contact the Supplier at the following e-mail address: Talentix Impresa Sociale Srl — info@talentix.it
Art. 18 – Alternative Dispute Resolution (ADR)
Pursuant to Articles 141 et seq. of the Consumer Code (Legislative Decree 206/2005), Customers who qualify as consumers may use alternative dispute resolution (ADR) tools to settle any disputes arising in relation to the services covered by this contract.
To this end, the Customer may contact one of the ADR bodies listed in the specific register kept by the Ministry of Enterprise and Made in Italy, which can be consulted at: www.mimit.gov.it.
This is without prejudice to the Customer's right to bring the matter before the competent ordinary courts.
Art. 19 – Acceptance of Terms and Conditions
The Customer declares that they have carefully read, understood and fully accepted these Terms and Conditions. Acceptance is made by selecting the appropriate confirmation box at the time of registration and constitutes, to all intents and purposes, the signing of this contract.
Pursuant to and for the purposes of Articles 1341 and 1342 of the Italian Civil Code, the Customer also declares that they have read, understood and expressly accepted the following articles: Art. 5 – Operation of the Service and the Wallet; Art. 6 – Artificial Intelligence and verification of transactions; Art. 7 – Temporary storage of the last screenshot; Art. 8 – Third-party services and absence of advertising; Art. 9 – Geolocation, Vendors and Third-Party Services; Art. 11 – Limitations of Liability of the Supplier; Art. 13 – Suspension, Termination and Cancellation; Art. 14 – Changes to the Terms and Conditions; Art. 16 – Applicable Law and Jurisdiction.