Terms of Service

Acceptance of Terms

These Terms of Service ("Terms") govern your use of the website qyvanta.pro and the services provided by Qyvanta S.A. ("Company", "we", "our", or "us"). By accessing our website or using our services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our website or services. We reserve the right to modify these Terms at any time, and your continued use of our services constitutes acceptance of any changes.

Company Information

Qyvanta S.A. is a company incorporated under the laws of Spain with registration number B94563287 and VAT number ESB94825361. Our registered office is located at Calle Real 149, 48703 Bilbao, Basque Country, Spain. We specialise in providing behavioural finance decision-making insights and related services to legal and financial professionals.

Services Description

Qyvanta provides behavioural finance analysis, risk assessment, compliance consulting, strategic insights, expert consultation, and training services. Our services are designed for legal and financial professionals seeking to understand and apply behavioural finance principles in their decision-making processes. All services are provided subject to these Terms and any additional terms specified in individual service agreements.

User Obligations

By using our website and services, you agree to:

• Provide accurate, current, and complete information when required
• Maintain the confidentiality of any account credentials
• Use our services only for lawful purposes and in accordance with these Terms
• Not interfere with or disrupt the operation of our website or services
• Not attempt to gain unauthorised access to our systems or data
• Respect the intellectual property rights of Qyvanta and third parties
• Comply with all applicable laws and regulations
• Not use our services to transmit harmful, offensive, or illegal content

Professional Services

Our behavioural finance services are provided for informational and analytical purposes. While we strive to provide accurate and useful insights, our services do not constitute financial advice, legal advice, or investment recommendations. You should consult with qualified professionals before making any financial or legal decisions based on our analysis. We do not guarantee specific outcomes or results from the use of our services.

Payment Terms

Payment terms for our services will be specified in individual service agreements. Unless otherwise agreed, payments are due within 30 days of invoice date. Late payments may incur interest charges at the rate of 1.5% per month or the maximum rate permitted by law, whichever is lower. We reserve the right to suspend services for overdue accounts and to engage collection agencies or legal action to recover unpaid amounts.

Intellectual Property

All content on our website and in our services, including but not limited to text, graphics, logos, images, software, and methodologies, is the property of Qyvanta or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from our content without express written permission. Our proprietary analysis methods and frameworks remain our exclusive property even when applied to your specific data or circumstances.

Confidentiality

We understand the sensitive nature of financial and legal information. We maintain strict confidentiality regarding all client information and data shared with us in the course of providing services. We will not disclose confidential information to third parties without your express consent, except as required by law or court order. This confidentiality obligation continues even after the termination of our service relationship.

Data Protection and Privacy

We are committed to protecting your personal data in accordance with the General Data Protection Regulation (GDPR) and other applicable privacy laws. Our collection, use, and protection of personal data is governed by our Privacy Policy, which forms part of these Terms. By using our services, you consent to the processing of your personal data as described in our Privacy Policy.

Limitation of Liability

To the maximum extent permitted by applicable law, Qyvanta's total liability for any claims arising from or related to our services shall not exceed the amount paid by you for the specific service giving rise to the claim during the twelve months preceding the claim. We shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, even if we have been advised of the possibility of such damages. This limitation applies regardless of the legal theory upon which the claim is based.

Indemnification

You agree to indemnify, defend, and hold harmless Qyvanta, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from or related to your use of our services, your violation of these Terms, or your violation of any rights of another party.

Force Majeure

We shall not be liable for any failure or delay in performance under these Terms that is due to fire, flood, earthquake, pandemic, government action, war, terrorism, or other causes beyond our reasonable control. In such circumstances, we will make reasonable efforts to notify you and to resume performance as soon as practicable.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of Spain, without regard to its conflict of law principles. Any disputes arising from or relating to these Terms or our services shall be subject to the exclusive jurisdiction of the courts of Bilbao, Spain. If you are a consumer resident in another EU member state, you may also have rights under the consumer protection laws of your country of residence.

Dispute Resolution

We encourage the resolution of disputes through direct communication. If a dispute cannot be resolved through discussion, we are willing to participate in mediation through a recognised mediation service. For EU consumers, you may also access the European Commission's Online Dispute Resolution platform at ec.europa.eu/consumers/odr.

Termination

Either party may terminate the service relationship at any time with reasonable notice. Qyvanta reserves the right to immediately terminate or suspend access to our services if you violate these Terms or engage in conduct that we determine, in our sole discretion, to be harmful to our business or other users. Upon termination, your right to use our services ceases immediately, but provisions regarding confidentiality, intellectual property, limitation of liability, and governing law shall survive termination.

Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, such provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect. The failure of either party to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

Entire Agreement

These Terms, together with our Privacy Policy and any additional terms specified in individual service agreements, constitute the entire agreement between you and Qyvanta regarding the use of our services. These Terms supersede all prior agreements, understandings, and communications, whether written or oral, relating to the subject matter herein.

Contact Information

If you have any questions about these Terms of Service, please contact us: