Terms of Service

Last updated: 15th January 2026

Acceptance of Terms

By accessing and using the website and services of Zyvorex AG ("Company", "we", "our", or "us"), you ("Client", "you", or "your") accept and agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you must not use our website or services.

These Terms constitute a legally binding agreement between you and Zyvorex AG, a company registered in Austria with registration number FN291647a, having its registered office at Josefstädter Straße 198, 5034 Salzburg, Austria.

Description of Services

Zyvorex AG provides retirement finance security planning services, including but not limited to:

  • Retirement assessment and financial planning consultation
  • Legal structuring and regulatory compliance advice
  • Investment management and portfolio advisory services
  • Tax planning and optimisation strategies
  • Estate planning and pension optimisation services
  • Ongoing support and plan monitoring

All services are provided in accordance with Austrian and European Union financial services regulations and are subject to separate service agreements that will detail specific terms, conditions, and fees for individual engagements.

User Obligations

As a user of our website and services, you agree to:

  • Provide accurate, complete, and up-to-date information when requested
  • Maintain the confidentiality of any login credentials or account information
  • Use our website and services only for lawful purposes and in accordance with these Terms
  • Not attempt to gain unauthorised access to any part of our website or systems
  • Not use our services for any fraudulent or illegal activities
  • Comply with all applicable laws and regulations in your jurisdiction
  • Notify us immediately of any unauthorised use of your account or any security breach

Professional Relationship and Advice

The information provided on our website is for general informational purposes only and does not constitute personalised financial or legal advice. A professional advisory relationship is established only upon execution of a formal service agreement and appropriate due diligence procedures.

All financial advice and recommendations are based on information provided by the client and market conditions at the time of consultation. Past performance does not guarantee future results, and all investments carry inherent risks that may result in loss of capital.

Intellectual Property

All content, materials, and intellectual property on our website and in our services, including but not limited to text, graphics, logos, images, software, and methodologies, are the exclusive property of Zyvorex AG or our licensors and are protected by Austrian and international copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable licence to access and use our website and services for their intended purpose. You may not copy, modify, distribute, transmit, display, reproduce, or create derivative works from any content without our express written permission.

Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal data is governed by our Privacy Policy, which forms part of these Terms. By using our services, you consent to the collection and use of your information as described in our Privacy Policy.

Fees and Payment Terms

Fees for our services will be specified in individual service agreements. Unless otherwise agreed in writing, fees are payable in advance and are non-refundable. We reserve the right to modify our fees with reasonable notice to existing clients.

Late payment may result in suspension of services and may incur additional charges as specified in the relevant service agreement.

Limitation of Liability

To the fullest extent permitted by Austrian law, Zyvorex AG 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, arising from your use of our website or services.

Our total liability to you for any claims arising from or related to our services shall not exceed the total fees paid by you to Zyvorex AG in the twelve months preceding the claim.

Nothing in these Terms shall exclude or limit our liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be excluded or limited under applicable law.

Disclaimers

Our website and services are provided "as is" and "as available" without any representations or warranties of any kind, whether express or implied. We disclaim all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that our website will be uninterrupted, error-free, or free from viruses or other harmful components. You acknowledge that investment and financial planning involve risks, and we cannot guarantee any particular outcome or result.

Indemnification

You agree to indemnify, defend, and hold harmless Zyvorex AG, its officers, directors, employees, and agents from and against any and all claims, damages, losses, costs, and expenses (including reasonable legal fees) arising from your use of our services, violation of these Terms, or infringement of any third-party rights.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of Austria, without regard to its conflict of law provisions. Any disputes arising from or relating to these Terms or our services shall be subject to the exclusive jurisdiction of the courts of Salzburg, Austria.

If you are a consumer resident in another EU member state, you may also bring proceedings in the courts of your country of residence, and these Terms shall not deprive you of the protection afforded by mandatory provisions of consumer protection laws in your jurisdiction.

Termination

Either party may terminate the professional relationship and any service agreements with reasonable notice as specified in the relevant service agreement. We reserve the right to terminate or suspend your access to our website immediately, without prior notice, if you breach these Terms.

Upon termination, your right to use our website and services will cease immediately. Provisions of these Terms that by their nature should survive termination shall survive, including but not limited to intellectual property rights, limitation of liability, and governing law clauses.

Severability

If any provision of these Terms is found to be unenforceable or invalid under applicable law, such provision shall be modified to the minimum extent necessary to make it enforceable, or if modification is not possible, it shall be severed from these Terms. The remainder of these Terms shall remain in full force and effect.

Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the updated Terms on our website and updating the "Last updated" date. Your continued use of our website or services after such modifications constitutes acceptance of the updated Terms.

Contact Information

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

Entire Agreement

These Terms, together with our Privacy Policy and any applicable service agreements, constitute the entire agreement between you and Zyvorex AG regarding your use of our website and services, and supersede all prior and contemporaneous agreements, representations, and understandings.