Terms of Service

1. Acceptance of Terms

By accessing and using the website and services of Qexoria SARL ("Qexoria", "we", "our", or "us"), you accept and agree to be bound by the terms and provision of this agreement. These Terms of Service govern your use of our website located at qexoria.top and all related services, features, and content offered by Qexoria. If you do not agree to abide by these terms, you are not authorised to use or access our services.

2. Description of Service

Qexoria provides open finance ecosystem consultation services, including but not limited to open banking guidance, API integration services, compliance consultation, and financial technology advisory services. Our services are designed to help businesses navigate the complex landscape of open finance and regulatory compliance within the European Union. All services are subject to separate service agreements and these Terms of Service.

3. User Obligations

When using our website and services, you agree to:

• Provide accurate and complete information when requested
• Maintain the 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 services
• Not use our services to transmit harmful, offensive, or illegal content
• Comply with all applicable laws and regulations in your jurisdiction
• Respect the intellectual property rights of Qexoria and third parties

4. Intellectual Property

All content, materials, information, and intellectual property available through our website and services, including but not limited to text, graphics, logos, images, software, and methodologies, are the exclusive property of Qexoria or its licensors and are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise exploit any of our intellectual property without our express written permission.

5. Service Availability

We strive to maintain continuous availability of our website and services, but we cannot guarantee uninterrupted access. Our services may be temporarily unavailable due to maintenance, updates, technical issues, or circumstances beyond our control. We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice. We will not be liable for any inconvenience or damages resulting from service interruptions.

6. 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 of Service by reference. By using our services, you consent to the collection and use of your information as described in our Privacy Policy. We comply with applicable data protection laws, including the General Data Protection Regulation (GDPR).

7. Limitation of Liability

To the fullest extent permitted by law, Qexoria shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to 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 from or related to our services shall not exceed the amount paid by you to Qexoria in the twelve months preceding the claim. Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for consequential damages, so some of these limitations may not apply to you.

8. Indemnification

You agree to defend, indemnify, and hold harmless Qexoria, its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney's fees) arising from your use of our services, your violation of these Terms of Service, or your violation of any third-party rights.

9. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of Luxembourg, without regard to its conflict of law principles. Any disputes arising from or relating to these terms or our services shall be subject to the exclusive jurisdiction of the courts of Luxembourg. You agree to submit to the personal jurisdiction of such courts for the purpose of litigating any such claims or disputes.

10. Termination

Either party may terminate these Terms of Service at any time with or without cause. Upon termination, your right to use our services will immediately cease. Qexoria reserves the right to 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 of Service. All provisions which by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

11. Modifications to Terms

We reserve the right to modify or replace these Terms of Service at any time at our sole discretion. If a revision is material, we will 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. Your continued use of our services after any such changes constitutes your acceptance of the new Terms of Service.

12. Severability

If any provision of these Terms of Service is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if such modification is not possible, such provision shall be severed from these terms. The invalidity of any provision shall not affect the validity or enforceability of the remaining provisions.

13. Entire Agreement

These Terms of Service, together with our Privacy Policy and any other legal notices published by us on our website, constitute the entire agreement between you and Qexoria concerning our services. No other agreements, representations, or warranties, whether oral or written, shall be binding upon the parties unless specifically incorporated herein.

14. Contact Information

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