Terms of Service

Acceptance of Terms

Welcome to CipherForest Ltd. These Terms of Service ("Terms") govern your use of our website, services, and any related applications or platforms provided by CipherForest Ltd ("CipherForest," "we," "our," or "us"). By accessing or using our services, you agree to be bound by these Terms and our Privacy Policy.

If you do not agree to these Terms, please do not use our services. We reserve the right to modify these Terms at any time, and such modifications will be effective immediately upon posting. Your continued use of our services after any changes constitutes acceptance of the new Terms.

Description of Services

CipherForest provides financial advisory services specifically designed for digital nomads and location-independent professionals. Our services include but are not limited to:

• International banking guidance and solutions
• Tax planning and compliance services
• Investment management and portfolio advisory
• Financial planning and wealth management
• Business formation and structure advisory
• Insurance and protection planning

All financial advice provided is general in nature and should not be considered as personal advice without a formal consultation. We are authorised and regulated by the Central Bank of Ireland for the provision of financial services.

User Obligations

By using our services, you agree to:

• Provide Accurate Information: Supply truthful, accurate, and complete information about yourself and your financial situation
• Maintain Confidentiality: Keep any login credentials secure and not share access to your account
• Comply with Laws: Use our services in compliance with all applicable laws and regulations
• Respect Others: Not engage in any activity that could harm other users or our reputation
• Pay Fees: Pay all applicable fees for services in accordance with our fee schedule
• Update Information: Keep your contact and financial information current and accurate

Prohibited Uses

You may not use our services for any unlawful purpose or to solicit others to perform unlawful acts. You may not:

• Violate any applicable laws or regulations
• Transmit any harmful or malicious code
• Attempt to gain unauthorised access to our systems
• Use our services for money laundering or other financial crimes
• Provide false or misleading information
• Interfere with or disrupt our services

Financial Services Disclaimer

CipherForest provides financial advisory services, but we do not guarantee any specific investment returns or outcomes. All investments carry risk, and past performance does not guarantee future results. You acknowledge that:

• Financial markets are subject to volatility and risk
• Investment values can go down as well as up
• You may not get back the full amount you invest
• Tax treatment depends on individual circumstances and may change
• Regulatory rules and tax laws may change

Before making any financial decisions, you should carefully consider your financial situation, objectives, and risk tolerance. We recommend seeking independent legal and tax advice where appropriate.

Fees and Payment

Our fees are clearly outlined in our service agreements and fee schedules. By engaging our services, you agree to pay all applicable fees. Payment terms include:

• Fees are payable as specified in your service agreement
• Late payment may result in suspension of services
• Refunds are provided only as specified in individual service agreements
• Fee changes will be communicated with reasonable notice

Intellectual Property

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

You are granted a limited, non-exclusive, non-transferable licence to access and use our services for their intended purpose. You may not:

• Copy, modify, or distribute our content without permission
• Use our trademarks or logos without authorisation
• Create derivative works based on our content
• Reverse engineer any software or systems
• Remove any copyright or proprietary notices

Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal data is governed by our Privacy Policy, which forms part of these Terms. By using our services, you consent to our data practices as described in our Privacy Policy.

We implement appropriate security measures to protect your personal and financial information, but you acknowledge that no method of transmission over the internet is 100% secure.

Limitation of Liability

To the fullest extent permitted by law, CipherForest, its directors, employees, and agents 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 or inability to use our services
• Any unauthorised access to or alteration of your data
• Any third-party conduct or content on our services
• Any interruption or cessation of our services
• Market volatility or investment losses

Our total liability to you for all claims arising from or relating to these Terms or our services shall not exceed the amount you have paid to us in the twelve months preceding the claim.

Indemnification

You agree to indemnify, defend, and hold harmless CipherForest and its officers, directors, employees, and agents from and against any 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
• Your violation of any third-party rights
• Any false or misleading information you provide

Governing Law

These Terms are governed by and construed in accordance with the laws of Ireland. Any disputes arising from or relating to these Terms or our services shall be subject to the exclusive jurisdiction of the courts of Ireland.

If you are a consumer resident in the European Union, you may also have the right to bring proceedings in the courts of your country of residence, and nothing in these Terms affects your rights as a consumer under applicable consumer protection laws.

Dispute Resolution

Before initiating any formal legal proceedings, we encourage you to contact us directly to resolve any disputes. We are committed to working with you to find a satisfactory resolution.

If you are not satisfied with our response, you may refer your complaint to the Financial Services and Pensions Ombudsman in Ireland or the relevant financial ombudsman service in your jurisdiction.

Termination

Either party may terminate the service relationship at any time with reasonable notice. We reserve the right to suspend or terminate your access to our services immediately if:

• You breach these Terms or any service agreement
• You engage in fraudulent or illegal activities
• You provide false or misleading information
• We are required to do so by law or regulation
• We decide to discontinue our services

Upon termination:

• Your right to use our services will cease immediately
• We will provide you with any relevant documentation or information
• You remain liable for any outstanding fees
• Provisions that should survive termination will continue to apply

Force Majeure

We shall not be liable for any failure or delay in performance under these Terms that is due to fire, flood, earthquake, pandemic, government action, war, terrorism, or other causes beyond our reasonable control.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the remaining Terms will otherwise remain in full force and effect.

Entire Agreement

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

Contact Information

If you have any questions about these Terms or our services, please contact us:

Regulatory Information

CipherForest Ltd is authorised and regulated by the Central Bank of Ireland. We are registered in Ireland with company number CRO618543. Our registered office is at Eyre Square 177, Dublin, D91 2207, Ireland.

We are committed to treating our clients fairly and in accordance with the Consumer Protection Code and other applicable regulations. If you have a complaint about our services, please contact us using the information above.