Terms of Service

Last updated: January 2026

These Terms of Service ("Terms") govern your use of the website and services provided by Kynvoria AG ("we," "us," or "our"). By accessing or using our website and services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our website or services.

Acceptance of Terms

By accessing and using our website at kynvoria.top and engaging with our digital finance transformation services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. These Terms constitute a legally binding agreement between you and Kynvoria AG. If you are using our services on behalf of an organisation, you represent and warrant that you have the authority to bind that organisation to these Terms.

Description of Services

Kynvoria provides digital finance transformation guidance and consulting services, including but not limited to:

• Digital strategy consulting for financial services transformation
• Technology integration and implementation guidance
• Change management support and training
• Compliance advisory services
• Performance analytics and optimisation

User Obligations

When using our website and services, you agree to:

• Provide accurate and complete information when requested
• Use our services only for lawful purposes and in accordance with these Terms
• Not interfere with or disrupt our website or services
• Not attempt to gain unauthorised access to our systems or networks
• Respect the intellectual property rights of Kynvoria and third parties
• Maintain the confidentiality of any login credentials or access information
• Comply with all applicable laws and regulations in your use of our services

Intellectual Property

All content on our website, including but not limited to text, graphics, logos, images, software, and other materials, is the property of Kynvoria or our licensors and is protected by copyright, trademark, and other intellectual property laws. You may not:

• Copy, modify, distribute, or reproduce any content without our written permission
• Use our trademarks, logos, or branding without authorisation
• Create derivative works based on our content
• Remove or alter any copyright, trademark, or other proprietary notices

You retain ownership of any content you provide to us, but grant Kynvoria a licence to use such content as necessary to provide our services.

Service Availability

While we strive to maintain continuous availability of our website and services, we do not guarantee uninterrupted access. Our services may be temporarily unavailable due to maintenance, technical issues, or circumstances beyond our control. We reserve the right to modify, suspend, or discontinue any aspect of our services at any time with reasonable notice.

Payment Terms

Payment terms for our services will be specified in individual service agreements or proposals. Unless otherwise agreed, payments are due within 30 days of invoice date. Late payments may be subject to interest charges as permitted by law. We reserve the right to suspend services for overdue accounts.

Confidentiality

We understand that you may share confidential information with us in the course of our business relationship. We commit to maintaining the confidentiality of such information and will not disclose it to third parties without your consent, except as required by law or necessary to provide our services.

Limitation of Liability

To the maximum extent permitted by law, Kynvoria 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 for any claims related to our services shall not exceed the amount paid by you for the specific services giving rise to the claim.

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability, so these limitations may not apply to you. In such cases, our liability will be limited to the greatest extent permitted by applicable law.

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 warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that our services will be error-free, secure, or continuously available.

Indemnification

You agree to indemnify and hold harmless Kynvoria, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of our services, violation of these Terms, or infringement of any third-party rights.

Termination

Either party may terminate the service relationship at any time with reasonable notice. We reserve the right to terminate or suspend access to our website and services immediately if you violate these Terms. Upon termination, your right to use our services will cease, but provisions regarding intellectual property, confidentiality, limitation of liability, and governing law will survive termination.

Governing Law

These Terms are governed by the laws of Austria, without regard to conflict of law principles. Any disputes arising from these Terms or your use of our services will be subject to the exclusive jurisdiction of the courts in Austria. If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

Changes to Terms

We reserve the right to modify these Terms at any time. We will provide notice 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 changes constitutes acceptance of the modified Terms.

Contact Information

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

Severability

If any provision of these Terms is held to be invalid or unenforceable, such provision will be struck and the remaining provisions will be enforced to the fullest extent under law.

Entire Agreement

These Terms, together with our Privacy Policy and any additional service agreements, constitute the entire agreement between you and Kynvoria regarding the use of our website and services, and supersede all prior agreements and understandings.