Terms of Service

Acceptance of Terms

By accessing and using the services provided by Novyqra Ltd ("Company", "we", "us", or "our"), you ("Client", "you", or "your") agree to be bound by these Terms of Service ("Terms"). These Terms constitute a legally binding agreement between you and Novyqra Ltd. If you do not agree to these Terms, you must not use our services.

1. Company Information

Novyqra Ltd is a company incorporated under the laws of Cyprus with registration number HE354982. Our registered office is located at Grivas Digenis Avenue 63, 6019 Larnaca, Cyprus. We provide financial independence advisory services throughout the European Union.

2. Services Description

Novyqra provides financial independence advisory services including but not limited to wealth building strategies, financial planning, retirement planning, investment advisory, and related educational services. Our services are designed to help clients achieve their financial independence goals through personalised strategies and expert guidance.

3. User Obligations

When using our services, you agree to:

• Provide accurate, complete, and up-to-date information
• Use our services only for lawful purposes
• Comply with all applicable laws and regulations
• Maintain the confidentiality of any account credentials
• Not interfere with or disrupt our services or servers
• Not use our services for any fraudulent or unauthorised purpose
• Respect the intellectual property rights of Novyqra and third parties

4. Financial Advisory Disclaimer

Our services constitute general financial education and advisory services. We do not provide specific investment advice tailored to individual circumstances without a formal advisory relationship. All financial decisions remain your responsibility, and you should consider your personal financial situation and consult with qualified professionals before making investment decisions.

5. Client Responsibilities

As our client, you acknowledge and agree that:

• You are responsible for implementing any strategies or recommendations
• Past performance does not guarantee future results
• All investments carry inherent risks
• You will make independent decisions about your financial affairs
• You will inform us of any material changes to your circumstances

6. Intellectual Property

All content, materials, and intellectual property associated with Novyqra's services, including but not limited to text, graphics, logos, software, and methodologies, are owned by or licensed to Novyqra Ltd. This includes our proprietary financial planning methodologies, educational materials, and analytical frameworks. You may not reproduce, distribute, modify, or create derivative works from our intellectual property without express written permission.

You retain ownership of any personal information and financial data you provide to us, while granting us a licence to use such information solely for the purpose of providing our services to you.

7. 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. By using our services, you consent to the processing of your personal data in accordance with our Privacy Policy and applicable data protection laws.

8. Payment Terms

Payment terms for our services will be specified in separate service agreements or invoices. All fees are due and payable according to the agreed terms. We reserve the right to suspend or terminate services for non-payment. You are responsible for any applicable taxes, duties, or fees related to your use of our services.

9. Limitation of Liability

To the maximum extent permitted by applicable law, Novyqra Ltd 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 or relating to your use of our services. Our total liability to you for any claims arising from these Terms or your use of our services shall not exceed the amount of fees paid by you to us in the twelve months preceding the claim.

This limitation applies regardless of the legal theory on which the claim is based, including contract, tort, negligence, strict liability, or otherwise. Some jurisdictions do not allow the limitation of liability for incidental or consequential damages, so these limitations may not apply to you.

10. Indemnification

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

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Cyprus and the applicable laws of the European Union. Any disputes arising from or relating to these Terms or your use of our services shall be subject to the exclusive jurisdiction of the courts of Cyprus. Both parties consent to the jurisdiction and venue of such courts.

12. Dispute Resolution

In the event of any dispute arising from these Terms or our services, the parties agree to first attempt to resolve the matter through good faith negotiations. If such negotiations are unsuccessful, disputes may be resolved through mediation or arbitration as agreed by both parties, or through the courts of Cyprus as specified above.

13. Termination

Either party may terminate the service relationship at any time with appropriate notice as specified in individual service agreements. We reserve the right to terminate or suspend your access to our services immediately, without prior notice, if you violate these Terms or engage in conduct that we determine to be harmful to our business or other users.

Upon termination, your right to use our services will cease immediately. Provisions of these Terms that by their nature should survive termination shall remain in effect, including but not limited to intellectual property rights, limitation of liability, and governing law clauses.

14. Modifications 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 modifications constitutes your acceptance of the updated Terms.

15. 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 these Terms will otherwise remain in full force and effect and enforceable.

16. Entire Agreement

These Terms, together with our Privacy Policy and any specific service agreements, constitute the entire agreement between you and Novyqra Ltd regarding your use of our services and supersede all prior or contemporaneous understandings and agreements, whether written or oral.

17. Force Majeure

Neither party shall be liable for any failure or delay in performance under these Terms which is due to fire, flood, earthquake, pandemic, government action, war, terrorism, or other causes beyond the reasonable control of such party.

18. Contact Information

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