Terms of Service

Acceptance of Terms

By accessing and using the website xandiora.world and the services provided by Xandiora AS ("Company," "we," "our," or "us"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by these Terms of Service, you are not authorised to use or access our services.

Company Information

These Terms of Service govern your use of services provided by Xandiora AS, a Norwegian company with registration number 576231469, VAT number NO578214369MVA, located at Thereses gate 10, 4627 Kristiansand, Agder, Norway. For enquiries regarding these terms, contact us at legal@xandiora.world.

Description of Services

Xandiora provides investment finance education services designed for beginners. Our services include educational programmes, consultations, and resources related to investment fundamentals, financial planning, portfolio management, and wealth-building strategies. All services are provided for educational purposes and do not constitute financial advice or investment recommendations.

User Obligations

By using our services, you agree to:

• Provide accurate and complete information when registering or using our services
• Use our services only for lawful purposes and in accordance with these Terms
• Respect the intellectual property rights of Xandiora and third parties
• Not engage in any activity that could damage, disable, or impair our services
• Not attempt to gain unauthorised access to our systems or networks
• Maintain the confidentiality of your account credentials
• Notify us immediately of any unauthorised use of your account

Educational Nature of Services

Our services are strictly educational in nature. Nothing provided by Xandiora constitutes financial advice, investment recommendations, or solicitation to buy or sell any financial instruments. You acknowledge that investment decisions carry inherent risks, and you should consult with qualified financial professionals before making any investment decisions. Xandiora does not provide personalised financial advice or manage investments on behalf of clients.

Intellectual Property

All content, materials, and intellectual property on our website and in our services, including but not limited to text, graphics, logos, images, software, and educational materials, are the exclusive property of Xandiora or its licensors and are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from our content without explicit written permission from Xandiora.

Payment Terms

Payment for our services is due in advance unless otherwise agreed in writing. All fees are quoted in Euros and are non-refundable unless otherwise specified in our refund policy. We reserve the right to modify our pricing with reasonable notice. Failure to pay fees when due may result in suspension or termination of services.

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 by reference. By using our services, you consent to the collection and use of your information as described in our Privacy Policy.

Limitation of Liability

To the maximum extent permitted by applicable law, Xandiora shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, or other intangible losses, resulting from your use of our services. 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 Xandiora in the twelve months preceding the claim.

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

Indemnification

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

Termination

We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason, including breach of these Terms. You may also terminate your account at any time by contacting us. Upon termination, your right to use our services ceases immediately, and any provisions of these Terms that by their nature should survive termination shall remain in effect.

Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify users of any material changes by posting the updated Terms on our website and updating the "Last updated" date. Your continued use of our services after such modifications constitutes acceptance of the updated Terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of Norway, 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 Norway, specifically the courts of Kristiansand, Agder.

Severability

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 the remaining provisions shall remain in full force and effect.

Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published by us on our website, constitute the entire agreement between you and Xandiora concerning our services and supersede all prior or contemporaneous communications and proposals.

Contact Information

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