The terms of this disclaimer apply to this website financialprivacytech.com of the Netherlands Organization for Applied Scientific Research TNO. Different terms may apply to other websites of TNO. By using the website you agree with this disclaimer.


Unauthorized or improper use of the website or its content may breach intellectual property rights, regulations in respect of privacy, publication and/or communication in the broadest sense of the word. You are responsible for everything you send from the website. It is not allowed to disrupt the normal operation of this site or to undermine its integrity, which includes changing the content and hacking the website. TNO reserves the right to end, for whatever reason, the availability of the website and/ or of certain services on the web page, or to restrict access to them. Although TNO has exercised due care to ensure the correctness of the information as stated on the website, TNO does not accept any responsibility for it. All content is provided 'as is' and 'as available'. Decisions which you take on the basis of this information will be at your own expense and risk. TNO does not give any guarantee in respect of the security of this website. Although TNO will do everything which is in reason possible to keep this website free of viruses, it cannot give any guarantee for this.

TNO does not guarantee that this website will function faultless and without interruption.

Exclusion of liability

With the exception of statutory liability on the grounds of mandatory legal provisions, TNO, its directors, managers and employees will never be liable in respect of direct and/or indirect, immaterial or consequential damage including lost profit or income and loss of contracts or orders which in any way results from or is connected with, but does not have to be limited to:

  • - defects, viruses or other faults in equipment and other software in connection with access to or use of this website;
  • the information which is offered on or via this website;
  • the interception, modification or improper use of information sent to TNO or to you;
  • the operation or unavailability of this website;
  • misuse of this website;
  • loss of data;
    downloading or using software made available through this website, or
  • claims of third parties in connection with the use of this website.

The exclusion of liability also applies if TNO has been informed of the possibility that such damage may occur.

Intellectual property rights

TNO, or the entitled party, will reserve all rights (including copyrights, domain names, trademark rights, patents and other intellectual property rights) in respect of all information offered on or through this website, including software, audio, video, text, logos and pictures. Apart from personal, not commercial, use it is not allowed to copy, download or publish in any way, distribute or multiply information on this website without the prior written permission of TNO or the entitled party. It is not allowed to copy, multiply or adapt the information and/or design.

Information from third parties

This website may include hyperlinks to other websites which are not supervised by TNO. These hyperlinks have only been included for your convenience and do not imply that information, products or services offered on or through these websites are recommended by TNO. The use of such hyperlinks is fully at your own risk. TNO does not accept any responsibility or liability in respect of the content, use or availability of such websites.

Use of software

The applicable license agreement applies to software which may be downloaded from this website. Except insofar as provided otherwise in the applicable license agreement the software is only provided for use by end users and any further copying, reproduction or redistribution of the software is expressly forbidden. Any warranties with respect to such software will only apply as explicitly set forth in the applicable license agreement. TNO expressly disclaims any further warranties of any kind, including warranties of merchantability, fitness for any particular purpose or the non-infringement with respect to the software.


TNO may at any time amend the terms of the disclaimer. Amendments will be effective upon posting on this website. TNO reserves the right to change or terminate the website at its discretion and at any moment it desires, without any prior warning. TNO will not be liable for the consequences of amendment or termination.


This disclaimer has been translated into English. If the English version shows discrepancies or leads to differences of interpretation, the version in the Dutch language will be decisive.

This website and disclaimer are governed by the laws of the Netherlands. All disputes in connection with this website or disclaimer will be submitted for exclusive settlement to the competent court in The Hague. Personal data provided or collected through or in connection with this website will exclusively be used in accordance with the terms of TNO’s privacy statement. Questions and complaints concerning the website should be addressed to TNO. You may contact us online via info@tno.nl or by telephone: +31 88 866 08 66