Terms of use.

1 Company details

The Website is run by the following company.

2 Eligibility and acceptable use

Use of the Website is permitted only where it complies with all laws and regulations that apply to you.

You undertake that you will not:

• misuse the Website, or try to gain access to it without authorisation;
• disrupt how the Website operates or compromise its security;
• introduce or spread malware or any other harmful code;
• scrape or extract data with bots or other automated tools unless we have given permission;
• infringe anyone’s intellectual property or other proprietary rights.

Where we identify misuse, unlawful activity or a security concern, we may suspend or restrict your access to the Website.

3 Privacy and personal data

We are committed to keeping your personal data protected and to handling it in a responsible, transparent and secure way. Where they apply, we act in accordance with:

• General Data Protection Regulation (EU) 2016/679 (“GDPR”);
• Cyprus Data Protection Law 125(I)/2018;
• any other data protection legislation that applies.

Lawful bases for processing

We only process personal data when a lawful basis allows it. Those bases include:

• your consent;
• the need to perform a contract;
• compliance with our legal obligations;
• our legitimate business interests;
• guarding against fraud, abuse and threats to security.

Your rights

Depending on the jurisdiction that applies to you, you may be entitled to:

• access your personal data;
• have inaccurate information corrected;
• ask for your data to be deleted;
• restrict processing, or object to it;
• withdraw your consent;
• ask to receive your data in a portable form;
• complain to a supervisory authority.

The Privacy Policy and the Cookie Policy explain in more detail how personal information is collected, used, stored, shared and protected.

We use appropriate technical and organisational controls designed to stop your information from being accessed, disclosed, altered or destroyed without authorisation.

4 General information only

Everything published on this Website is provided for general information only. None of it amounts to:

• investment advice;
• tax advice;
• legal advice;
• financial advisory services;
• a solicitation or recommendation to buy or sell any securities or financial instruments.

Take independent professional advice before you rely on anything presented here.

5 Accuracy of content

We try to keep the information on this Website correct and current, but we give no guarantee that all of it is complete, reliable or accurate. Some information may come from third-party sources that we have not verified independently. We may change, update, suspend or remove any content on the Website whenever we choose, without giving notice.

6 Links to third parties

Purely for your convenience, the Website may link to websites or services that third parties run.

A.B. GOVERLA has no control over, gives no endorsement of, and takes no responsibility for:

• the content those third parties publish;
• their security practices;
• their privacy policies;
• whether their external services are available or reliable.

You use third-party resources at your own risk; check their terms and policies for yourself.

7 Intellectual property

Applicable intellectual property laws protect everything on the Website, all of which belongs to A.B. GOVERLA or its licensors. That includes, without limitation:

• text;
• articles;
• graphics;
• visual design;
• logos;
• trademarks;
• software;
• other proprietary materials.

You may access and use material from the Website only for lawful personal purposes or for the internal purposes of your business. Without our prior written consent, you may not reproduce, modify, distribute or commercially exploit it, or create derivative works based on it.

8 Security

We keep reasonable technical and organisational protections in place for the Website and for user information. Even so, no website or means of transmitting data online can be guaranteed to be entirely secure. When you access the Website, keeping your own devices, systems and credentials secure is your responsibility.

9 No warranties

The Website, and everything on it, is made available “as is” and “as available”.

To the fullest extent the law allows, A.B. GOVERLA disclaims every warranty, whether the warranty is express, implied, statutory or arises in any other way, including any implied warranty of:

• fitness for a particular purpose;
• merchantability;
• non-infringement;
• uninterrupted availability.

Any right that applicable consumer protection law does not permit to be excluded remains unaffected by these Terms.

10 Limits on liability

So far as applicable law allows, neither A.B. GOVERLA nor any of its affiliates will be liable for:

• punitive, special, indirect, incidental or consequential damages;
• loss of data, goodwill, revenue, profits or business opportunities;
• any damage that results from relying on material published on the Website;
• unauthorised access, viruses, delays or interruptions.

Where liability cannot lawfully be excluded, it is limited to the lowest level that applicable law permits.

These Terms do not exclude liability for fraud, gross negligence or wilful misconduct, or any other liability which the law of Cyprus or of the European Union does not permit to be limited or excluded.

11 Jurisdiction and regulatory limits

In some jurisdictions the Website may be unavailable, or its use may be inappropriate. It is your responsibility to make sure that accessing and using it is lawful under the local laws and regulations that apply where you reside.

Nothing on the Website should be understood as offering or soliciting anything in a jurisdiction where doing so would be unlawful.

12 Changes to these Terms

We may amend or revise these Terms periodically. When we make a material change, we will update the “Last updated” date at the top of this page and, where appropriate, give further notice on the Website.

If you keep using the Website after a change, you are treated as accepting the Terms as revised.

13 Governing law and disputes

These Terms, and the way they are interpreted, are governed by the law of the Republic of Cyprus, disregarding any conflict-of-laws principles.

The courts of Cyprus have exclusive jurisdiction over any dispute that arises out of or in connection with these Terms or the Website, unless mandatory European Union consumer protection law requires otherwise.

14 Severability

Should any provision of these Terms be held invalid, illegal or unenforceable, that does not affect the validity of the remaining provisions, which continue to apply in full.

15 Contact us

Send any question about these Terms to the address that fits your enquiry.