Terms of Service

Acceptance of Terms

By accessing and using the website and services provided by Jexovia AB ("we", "us", or "our"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

These terms apply to all users of our website, including without limitation users who are browsers, vendors, customers, merchants, and contributors of content. Your access to and use of our services is conditioned on your acceptance of and compliance with these terms.

Description of Services

Jexovia provides professional behavioural finance consulting and legal services to individuals and businesses. Our services include but are not limited to:

• Behavioural finance analysis and consulting
• Legal advisory services and compliance guidance
• Investment behaviour assessment and improvement strategies
• Risk management and decision-making framework development
• Financial education and training programmes
• Corporate finance advisory services

All services are provided in accordance with Swedish law and European Union regulations. Specific terms for individual services may be outlined in separate service agreements.

User Obligations

By using our services, you agree to:

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

You are responsible for all activities that occur under your account and for maintaining the confidentiality of any sensitive information shared during our professional relationship.

Professional Relationship and Confidentiality

Our professional services create a confidential relationship between Jexovia and our clients. We are committed to maintaining the highest standards of professional conduct and confidentiality in accordance with Swedish professional standards and applicable laws.

Information shared during consultations and service delivery is treated as confidential and will not be disclosed to third parties except:

• With your explicit written consent
• As required by law or legal process
• To comply with regulatory requirements
• To protect our legal rights or the rights of others

Intellectual Property

The content, features, and functionality of our website and services, including but not limited to text, graphics, logos, images, software, and methodologies, are owned by Jexovia AB and are protected by international copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of our proprietary content without our prior written consent, except as permitted by law or as expressly provided in these terms.

Any feedback, suggestions, or ideas you provide regarding our services may be used by Jexovia without restriction or compensation to you, unless otherwise agreed in writing.

Payment Terms and Fees

Payment terms for our services will be specified in individual service agreements or invoices. Unless otherwise agreed:

• Fees are due within 30 days of invoice date
• All fees are exclusive of applicable taxes, which will be added as required by law
• Late payment may result in suspension of services and additional charges
• Disputed charges must be raised within 30 days of invoice date

We reserve the right to modify our fees with reasonable notice. Continued use of our services after fee changes constitutes acceptance of the new fees.

Limitation of Liability

To the maximum extent permitted by Swedish law, Jexovia AB shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of our services.

Our total liability to you for all claims arising out of or relating to these terms or our services shall not exceed the amount paid by you to Jexovia in the twelve months preceding the claim.

We provide our services "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

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

Professional Standards Disclaimer

While we strive to provide accurate and current information, our services are provided for informational and advisory purposes. Financial and legal advice should always be considered in the context of your specific circumstances.

Past performance and historical data do not guarantee future results. All financial decisions involve risk, and you should carefully consider your financial situation before acting on any advice or recommendations.

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of Sweden, without regard to its conflict of law provisions. Any disputes arising under or in connection with these terms shall be subject to the exclusive jurisdiction of the Swedish courts.

For clients located within the European Union, you may also have rights under the laws of your country of residence. Nothing in these terms affects your rights as a consumer under applicable EU consumer protection laws.

If any provision of these terms is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

Termination

Either party may terminate the service relationship at any time with reasonable notice. Jexovia reserves the right to terminate or suspend access to our services immediately, without prior notice or liability, for any reason, including but not limited to:

• Breach of these Terms of Service
• Non-payment of fees
• Violation of applicable laws or regulations
• Conduct that may harm Jexovia or other clients

Upon termination:

• Your right to use our services will cease immediately
• You remain liable for all fees incurred up to the termination date
• Confidentiality obligations will survive termination
• We will return or destroy your confidential information as required by law

Changes to Terms

Jexovia reserves the right to modify or replace these Terms of Service at any time. If a revision is material, we will provide at least 30 days notice prior to any new terms taking effect.

Notice of changes will be provided by:

• Posting the updated terms on our website
• Email notification to registered users
• Notice during your next service interaction

Your continued use of our services after the effective date of any changes constitutes acceptance of the new terms. If you do not agree to the new terms, you should discontinue use of our services.

Contact Information

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

Entire Agreement

These Terms of Service, together with our Privacy Policy and any additional service agreements, constitute the entire agreement between you and Jexovia AB regarding the use of our services and supersede all prior and contemporaneous written or oral agreements between the parties.