Terms of Service

Acceptance of Terms

By accessing and using the services provided by Zyqentra AG ("Company", "we", "our", or "us"), you ("User", "you", or "your") agree to be bound by these Terms of Service ("Terms"). These Terms constitute a legally binding agreement between you and Zyqentra. If you do not agree to these Terms, please do not use our services or access our website.

Description of Services

Zyqentra provides personal finance education and consultation services designed for beginners. Our services include but are not limited to:

• Financial education and literacy training
• Budgeting guidance and strategies
• Saving and investment advice
• Debt management consultation
• Personal finance planning assistance
• Educational resources and materials

Our services are educational in nature and do not constitute financial advice as regulated under applicable financial services legislation. We do not provide investment management, tax advice, or legal counsel.

User Obligations

By using our services, you agree to:

• Provide accurate and complete information when requested
• Use our services only for lawful purposes and in accordance with these Terms
• Respect the intellectual property rights of Zyqentra and third parties
• Not interfere with or disrupt our services or servers
• Not attempt to gain unauthorised access to any part of our services
• Maintain the confidentiality of any login credentials
• Notify us immediately of any unauthorised use of your account

Educational Nature of Services

You acknowledge and understand that Zyqentra's services are educational in nature. We provide information, guidance, and strategies to help you better understand personal finance concepts. Our services do not constitute personalised financial advice, investment recommendations, or professional financial planning services. You are responsible for making your own financial decisions based on your individual circumstances and should consult with qualified professionals when appropriate.

Payment Terms

Payment terms for our services will be clearly communicated before any service agreement is finalised. All fees are payable in advance unless otherwise agreed in writing. We reserve the right to modify our pricing with reasonable notice. Refunds, if applicable, will be handled according to our refund policy as communicated at the time of service purchase.

Intellectual Property

All content, materials, and intellectual property provided by Zyqentra, including but not limited to text, graphics, logos, images, software, and methodologies, are owned by or licensed to Zyqentra and are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from our content without our express written permission. You are granted a limited, non-exclusive, non-transferable licence to access and use our materials solely for your personal, non-commercial use.

Privacy and Data Protection

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

Limitation of Liability

To the maximum extent permitted by applicable law, Zyqentra shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses, resulting from your use of our services. Our total liability to you for any claims arising from or related to these Terms or our services shall not exceed the amount you have paid to us for services in the twelve months preceding the claim. This limitation applies regardless of the legal theory on which the claim is based.

Disclaimers

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied. We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that our services will be uninterrupted, error-free, or completely secure. You use our services at your own risk.

Indemnification

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

Governing Law

These Terms shall be governed by and construed in accordance with the laws of Germany, without regard to conflict of law principles. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Essen, Germany. If you are a consumer resident in the European Union, you may also bring proceedings in the courts of your country of residence.

Termination

We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason, including if you breach these Terms. You may terminate your use of our services at any time by discontinuing access to our website and services. Upon termination, your right to use our services will cease immediately, but provisions of these Terms that by their nature should survive termination will remain in effect.

Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes by posting the updated Terms on our website and updating the "last updated" date. Your continued use of our services after such modifications constitutes your acceptance of the updated Terms. It is your responsibility to review these Terms periodically for changes.

Severability

If any provision of these Terms is found to be unenforceable or invalid under applicable law, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published on our website, constitute the entire agreement between you and Zyqentra regarding your use of our services and supersede all prior agreements and understandings, whether written or oral.

Contact Information

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