Terms of Service

Acceptance of Terms

By accessing and using the Klyvorium website and services, you accept and agree to be bound by the terms and provision of this agreement. These Terms of Service ("Terms") constitute a legally binding agreement between you and Klyvorium S.A. ("Company", "we", "us", "our"). If you do not agree to these Terms, you must not use our website or services.

These Terms apply to all visitors, users, and others who access or use our services, including our website, consultation services, and any related communications or materials.

Description of Services

Klyvorium provides sustainable finance consulting services, including but not limited to ESG investment analysis, green finance solutions, sustainability reporting, market intelligence, and strategic advisory services. Our services are designed for professional clients including asset managers, financial institutions, corporations, and other organisations seeking expertise in sustainable finance.

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice, although we will endeavour to provide reasonable advance notice of material changes that may affect our clients.

User Obligations

When using our services, you agree to:

• Provide accurate, current, and complete information when requested
• Maintain the confidentiality of any login credentials or access information
• 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
• Respect the intellectual property rights of Klyvorium and third parties
• Comply with all applicable laws and regulations

You are responsible for all activities that occur under your account and for maintaining the security of your account information.

Intellectual Property

The Klyvorium website, services, and all content, features, and functionality are owned by Klyvorium S.A. and are protected by international copyright, trademark, patent, trade secret, 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 content without our prior written consent, except as permitted by law or as expressly provided in these Terms.

Any feedback, comments, or suggestions you provide regarding our services may be used by Klyvorium without restriction or compensation to you.

Professional Advice Disclaimer

The information and services provided by Klyvorium are for educational and informational purposes. Whilst we strive to provide accurate and up-to-date information, our content should not be considered as specific investment advice, legal advice, or regulatory guidance for your particular situation.

You should consult with qualified professional advisors before making any investment decisions or implementing any strategies discussed in our materials. Past performance does not guarantee future results, and all investments carry risk of loss.

Limitation of Liability

To the fullest extent permitted by applicable law, Klyvorium S.A. 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.

In no event shall Klyvorium's total liability to you for all damages, losses, and causes of action exceed the amount paid by you to Klyvorium in the twelve (12) months preceding the claim, or €1,000, whichever is greater.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.

Indemnification

You agree to defend, indemnify, and hold harmless Klyvorium S.A. and its officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees arising out of or relating to your violation of these Terms or your use of our services.

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.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of Portugal, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms will be brought exclusively in the courts of Portugal, and you hereby consent to personal jurisdiction and venue therein.

If you are a consumer resident in the European Union, you retain the right to bring proceedings in your country of residence, and these Terms do not affect any mandatory consumer protection laws that apply to you.

Termination

We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.

Upon termination, your right to use our services will cease immediately. All provisions of these Terms which by their nature should survive termination shall survive, including without limitation ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

You may terminate your use of our services at any time by discontinuing your use of our website and services.

Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our services after those revisions become effective, you agree to be bound by the revised Terms.

Severability

If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions will remain in effect. The invalid or unenforceable provision will be deemed modified to the extent necessary to make it valid and enforceable.

Entire Agreement

These Terms constitute the entire agreement between you and Klyvorium regarding the use of our services, superseding any prior agreements between you and Klyvorium relating to your use of the services.

Contact Information

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