Terms of Service

Last updated: 15th January 2026

Acceptance of Terms

By accessing our website at molvia.world, engaging our services, or contacting molvia GmbH, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing our services.

These terms apply to all visitors, users, and clients of molvia's website and services. We reserve the right to update or modify these terms at any time without prior notice. Your continued use of our services following any changes constitutes acceptance of the new terms.

Company Information

molvia GmbH is a limited liability company registered in Austria with the following details:

• Legal Name: molvia GmbH
• Registration Number: FN463820k
• VAT Number: ATU71239048
• Registered Address: Graben 22, 9558 Villach, Carinthia, Austria
• Business Type: Financial Advisory Services

Services Description

molvia provides professional financial advisory services including but not limited to investment advice, financial planning, wealth management, risk assessment, and related financial consulting services. Our services are provided in accordance with Austrian financial services regulations and applicable European Union directives.

All financial advice and recommendations are based on the information you provide and our professional analysis. Investment decisions and their consequences remain your responsibility. Past performance does not guarantee future results, and all investments carry inherent risks.

User Obligations

When using our services, you agree to:

• Provide accurate, complete, and truthful information about your financial situation, goals, and circumstances
• Update us promptly of any material changes to your financial position or objectives
• Use our services only for lawful purposes and in accordance with these terms
• Not attempt to gain unauthorised access to our systems or interfere with our website's functionality
• Respect the confidentiality of our proprietary methods and information
• Comply with all applicable laws and regulations regarding financial services and investments

You are responsible for maintaining the confidentiality of any account information and passwords associated with our services. You must notify us immediately of any unauthorised use of your account or any other breach of security.

Intellectual Property

The content, design, graphics, compilation, magnetic translation, digital conversion, and other matters related to our website and services are protected under applicable copyright, trademark, and other intellectual property laws. All content on our website, including but not limited to text, graphics, logos, images, audio clips, digital downloads, and data compilations, is the property of molvia GmbH or its content suppliers.

You may not reproduce, distribute, display, sell, lease, transmit, create derivative works from, translate, modify, reverse-engineer, disassemble, decompile, or otherwise exploit any content from our website or services without our express written permission. You may print or download portions of the material from our website solely for your own non-commercial use, provided that you agree not to change or delete any copyright or proprietary notices from the materials.

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 forms part of these Terms of Service. By using our services, you consent to the collection and use of your information as outlined in our Privacy Policy.

We implement appropriate security measures to protect your personal and financial information. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security of your information.

Financial Disclaimers

All financial advice and investment recommendations provided by molvia are based on our professional analysis and the information you provide. However, financial markets are inherently unpredictable, and we cannot guarantee the performance of any investment or strategy.

You acknowledge that:

• All investments carry risk, including the potential loss of principal
• Past performance does not indicate future results
• Market conditions can change rapidly and unpredictably
• Tax implications of investments may vary based on individual circumstances
• You should consider your financial situation and consult multiple sources before making investment decisions

Limitation of Liability

To the fullest extent permitted by applicable law, molvia GmbH, its directors, employees, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from or related to your use of our services or website. This includes but is not limited to damages for loss of profits, data, or other intangible losses.

Our total liability to you for any claims arising from these terms or your use of our services shall not exceed the total amount of fees you have paid to molvia in the twelve months preceding the claim. Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for consequential or incidental damages, so the above limitations may not apply to you.

We make no warranties or representations about the accuracy, completeness, or suitability of the information contained on our website or in our services. All information is provided "as is" without warranty of any kind.

Indemnification

You agree to indemnify, defend, and hold harmless molvia GmbH, its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable legal fees) arising from your use of our services, your violation of these Terms, or your violation of any rights of another party.

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of Austria, without regard to its conflict of law principles. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Austria.

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

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 of Service.

You may terminate your relationship with molvia at any time by providing written notice. Upon termination, your right to use our services will cease immediately. However, certain provisions of these Terms shall survive termination, including but not limited to intellectual property rights, liability limitations, and governing law provisions.

In the event of termination, we will work with you to ensure an orderly transition of your financial affairs, subject to applicable regulations and professional standards.

Regulatory Compliance

molvia GmbH operates under the regulatory oversight of Austrian financial authorities and complies with applicable European Union financial services directives. Our services are provided in accordance with professional standards and regulatory requirements applicable to financial advisory services in Austria.

You acknowledge that financial advisory services are regulated activities and that our relationship is subject to applicable professional conduct rules, client protection measures, and regulatory oversight.

Force Majeure

molvia shall not be liable for any failure or delay in performance under these Terms which is due to fire, flood, earthquake, elements of nature or acts of God, acts of war, terrorism, riots, civil disorders, rebellions or revolutions, or any other cause beyond our reasonable control.

Entire Agreement

These Terms of Service, together with our Privacy Policy and any other legal notices published on our website, constitute the entire agreement between you and molvia GmbH concerning the use of our website and services. No other agreement, oral or written, will be deemed to exist or bind either party.

Contact Information

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

These Terms of Service are effective as of the date last updated above and will remain in effect until modified or terminated in accordance with the provisions herein.