Terms and Conditions

Please review these Terms and Conditions carefully before using www.privanext.com website operated by YAWLFIN SARLs, company incorporated in Luxembourg, with its registered address at 9 LOUVIGNY, L-1946 LUXEMBOURG and company registration number Reg. B273319.

Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These terms apply to all visitors and users who access or use the Service. By using or accessing the Service you agree to be bound by these terms and conditions and agree that you are responsible for compliance with any applicable local laws. If you disagree with any part of the terms, then you may not access the Service.

1. Interpretation

• “The company” refers to YAWLFIN SARLs.
• "The term 'Service' or 'Services' refers to the provision of a wealth management platform and, in the context of specific subscriptions, the transmission of information via email, SMS, or notifications."
• “User” refers to any legal entity or person accessing to the site or using the services.
• “Site” refers to the Privanext accessible at www.privanext.com.
• “Platform” refers to the Site and Services jointly.
• “Subscription Period” refers to the period for which the subscription is active.
• “Subscription Fee” refers to the price of the subscription for the selected Subscription Period.

2. Intellectual Property Rights

• 2.1. All company names and logos are registered trademarks or trademarks of their respective owners. Their use does not imply any affiliation, endorsement, or sponsorship by these entities. This website and the services provided herein are not affiliated with, associated with, endorsed by, or sponsored by any company mentioned on this page, nor have they been reviewed, tested, or certified by any such company.
• 2.2. Nothing contained within the website should be construed as granting any right or license to use any trademark without the prior written consent of YAWLFIN SARLs.
• 2.3. Users agree to not modify, copy, sell, loan, distribute or generate derivative works based on the Platform, Site, Services and/or Content, in whole or in part, expect as expressly authorized by Privanext.

3. General Terms of Sale and Service

3.1. Eligibility to access

Users under the age of 18, or otherwise not legally capable of entering a binding contract, are expressly prohibited from accessing the website. If a legal entity is accessing or using the service, the person acting on its behalf represents and warrants the holding of power of attorney to bind such corporate entity to these Terms.

3.2. Account Registration

Users must register by providing their first name, last name, phone number, country, email address, and create a password to use the service. Users agree to provide and maintain accurate, truthful, complete, and up-to-date information about themselves. Failure by users to provide and maintain accurate, complete, and up-to-date personal data (including having an invalid or expired payment method) may result in users being unable to access and use the Platform and/or Services. In any case, YAWLFIN SARL reserves the right, at its sole discretion, to approve or refuse the registration of a user.

The confidentiality of all login credentials is the responsibility of users, who must keep them confidential. In the event of unauthorized use of the personal space or a security breach, users agree to inform YAWLFIN SARL immediately. The company will not be responsible for any loss or damage resulting from users' failure to comply with this provision.

3.3. Description of The Service

Privanext offers an online platform where users can input their wealth-related information. Based on this information, features enable them to manage their wealth. Furthermore, the platform provides guided and personalized assistance to create a standard financial portfolio. All tracking and personal data shared shall remain the property of the users, who are responsible for providing accurate and complete information. The Company shall not be held liable for any service failure resulting from inaccurate or incomplete information provided by the user. The Company serves as an intermediary in the search and publication of information related to financial products. As such, it is not responsible for the accuracy or truthfulness of the financial information listed or any information published under regulatory frameworks governed by local or international authorities. Furthermore, the Company is not liable for any damages, whether resulting from errors or fraud in the information provided.

3.4. Subscription, Subscription Period and Renewal

3.4.1 The subscription model will be chosen by the user from the options available on the website at the time of the first search and subsequent registration.

3.4.2 Subscription Period starts on the Effective Date and ends on the same day in the month in which the selected duration of Subscription Period expires. In case the month in which the Subscription Period expires does not have the date which matches Effective Date, Subscription Period will end on the last day in that month. If the Subscription Period is calculated in hours, Subscription Period expires after all the hours in selected Subscription Period expire.

3.4.3 Each subscription will automatically and continuously renew at the end of the current Subscription Period for further term equal to the original Subscription Period. Users acknowledge and agree that Privanext is authorized to charge the applicable Subscription Fee through the chosen Payment Method automatically before each renewal period until the Subscription is cancelled before a subscription is due for renewal.

4. Prices and Payment terms

4.1 The price of the applicable service will be as listed on the website at the time of subscription.

4.2 Users will choose the method of payment when registering on the Site. Users paying by credit card must provide accurate and valid information to process the payment. If for any reason the payment cannot be made, the subscription will be cancelled immediately.

4.3 YAWLFIN SARLs reserves the right to revise the amount and/or rate of Subscription Fee from time to time in its sole discretion provided, however, such revisions shall not apply to Users during their applicable Subscription Period but shall apply to the renewal of a Subscription. Any such revision will be communicated to Users in advance via e-mail or published on the Site and will take effect in the renewal of a Subscription.

5. Right of withdrawal

In accordance with the provisions of the European Directive on Consumers Rights 2011/83/EU:

• 5.1. This contract is considered as a “distance contract” as defined in Article 2, point 7: A "distance contract" refers to any agreement made between a trader and a consumer within an organized system for distance sales or service provision, where the trader and consumer are not physically present together, and the contract is concluded exclusively through one or more means of distance communication.
• 5.2. In accordance with Article 16. a), exceptions from the right of withdrawal, the user acknowledges that the execution of the Services provided by the company will be conducted before the end of the statutory withdrawal period and therefore expressly waives his legal right of withdrawal.
• 5.3. The user nevertheless has a period of fourteen (14) days from the validation of the order within the framework of the promotional trial period to contact the company by telephone or email to exercise the right of withdrawal in respect of the monthly subscription.
• 5.4. To exercise the right of withdrawal, the user must inform YAWLFIN SARLs of his/her decision to withdraw from this contract by an unequivocal statement by email at support. The user may use the model withdrawal form below (point 11), but it is not obligatory.
• 5.5. If the user withdraws from this contract, YAWLFIN SARLs shall reimburse to the user all payments received, without undue delay and in any event no later than 14 days from the day on which the company is informed about the user decision to withdraw from this contract. YAWLFIN SARLs will conduct such reimbursement using the same means of payments as the user used for the initial transaction, unless he/she has expressly agreed otherwise; in any event, the customer will not incur any fees because of such reimbursement.

6. Refund, Cancellation and Complaints

• 6.1. The user may be entitled to a refund if the subscription is cancelled within fourteen (14) days of the initial registration for the monthly subscription plan. For the Subscription period calculated in hours no refund will be provided. If the first subscription was calculated in hours and it is changed to monthly subscription, 14 days period is calculated from the moment of changing to monthly subscription. The refund may only cover the last payment made; no partial refund will be paid to the user except in those cases, at the company’s discretion, where the user can demonstrate that the service was not available.
• 6.2. Users may cancel their subscription at any time, without notice and without penalty, simply by deactivating their account in the account settings. Upon deactivating, the subscription will terminate immediately and Privanext will stop billing the user for future monthly fees. The user acknowledges and agrees that the subscription fee is due and payable at the beginning of each Subscription Period, and no refund or credit will be issued for any unused portion of the Subscription Period.
• 6.3. If the user is not satisfied with the service, has a complaint, or requires assistance with unsubscribing or any other matter, contact our customer support by email at support.

7. Rules of Use, Obligations and Restrictions

• 7.1. Users may only use the Platform in compliance with applicable laws and for legitimate purposes. Users agree to comply with these Terms, all local rules, and laws regarding the use of the Site and its services, including User’s online conduct, which are applicable in their jurisdictions.
• 7.2. In using the Site, Platform, Services and/or content, users must not:
  • a) use the Site or Platform in any manner that could damage, disable, or impair Privanext servers, or interfere with other Users’ access or use of the Site or Platform and security related features of the Site or Platform.
  • b) modify, reverse engineer, disassemble, decompile, or create derivative works based on Privanext technology, including any software, applications, updates, or hardware contained within or accessible through the Site.
  • c) post or send commercial communications or content which is obscene, hateful, illegal, incites violence, defamatory, invasive of privacy or infringing of intellectual property rights.
  • d) collect Site users’ information or content, or otherwise access the Site, using automated means (such us spiders, scrapers, or bots).
  • e) obtain or attempt to access or otherwise obtain any materials or information through any means not intentionally made available or provided for through the Platform.
• 7.3 Users will implement security systems and procedures that are at least as stringent as those used to (i) prevent unauthorized access to or disruption of their own systems and servers, and (ii) protect their own confidential and/or sensitive data. Users must inform YAWLFIN SARL of any changes to their security or IT systems that could negatively impact the security of the Platform.
• 7.4 User will indemnify and hold harmless YAWLFIN SARLs from and against any disputes, demands, claims, damages, losses, liabilities, and expenses and costs, including, without limitation reasonable legal and accounting fees arising out of or in any way connected with the user’s access to or use of the Site and the Services, content which the user provides, or violation of these Terms.

8. Warranty Disclaimers and Limitation of Liability

• 8.1 This site and its services are provided for informational purposes only; this site is not responsible for the accuracy, usefulness or availability of any information transmitted or made available via this site and shall not be liable for any errors or omissions in such information.
• 8.2 Privanext provides the site, platform and services on an "as is" and "as available" basis. Users agree that use of the site, platform and/or services is at their sole risk. Privanext expressly disclaims all warranties of any kind, including, but not limited to, (i) the implied warranties of merchantability, (ii) fitness for a particular purpose and non-infringement, (iii) security, reliability, performance and accuracy of the service, (iv) that the site, platform and/or services will be continuous, uninterrupted and/or error-free, (v) the accuracy or truthfulness of any content or user’s content, and (vi) the truth or accuracy of tracking events, performance indicators or other content made available via the site or platform. No advice or information, whether oral or written, obtained from YAWLFIN SARLs or through the site or platform will create any warranty not expressly made herein.
• 8.3 YAWLFIN SARLs has no responsibility whatsoever for any arrangements that Users make with any third party as result of using the Site, Platform and/or services.
• 8.4 To the fullest extent permitted by law, in no event shall YAWLFIN SARLs be liable for any direct, indirect, incidental, special, punitive, exemplary or consequential damages or any damages or losses of any kind in any manner in connection with or arising out of these terms or the site, platform, services or content, regardless of the form of action or the basis of the claim or whether or not we have been advised of the possibility of such damages, including, without limitation, damages for loss of profits or opportunity, business interruption or any other commercial damages or losses. If applicable law does not allow the exclusion of warranties stated herein or the limitation of liability stated herein, then users expressly agree that in no event will YAWLFIN SARLs’s liability for any claim for damages hereunder exceed the aggregate amounts paid by the relevant user to YAWLFIN SARLs in respect of the services that are the subject of that user’s claim.

9. Final provisions

• 9.1 Privanext reserves the right, in its sole secretion, to modify any parts of these Terms at any time. Users should periodically visit this page to review the current Terms so that they are aware of any revision by which they are bound. In the event of any changes to these Terms, Privanext will post the changes on the Platform and update the “Last Updated” date of these Terms or notify Users of such changes by email at the email address registered. Users continued use of the Platform and/or Services after any such changes constitutes acceptance of the latest terms and conditions. However, any changes will not apply retrospectively.
• 9.2 If any users are dissatisfied with the Site, Platform and/or Services, or do not agree with any part of these Terms or have any other dispute or claim with or against the company or another user with respect to these Terms or the Site or Platform, users’ sole recourse is to discontinue use of the Site, Platform and/or services.
• 9.3 If any provision of these Terms is prohibited by law or judged by a court to be unlawful, void or unenforceable, the provision shall, to the extent required be severed from these Terms and rendered ineffective as far as possible without modifying the remaining provision of these Terms and shall not in any way affect any other circumstances of or the validity or enforcement of these Terms.
• 9.4 Save as otherwise specifically provided in these Terms, the Parties hereunder shall not be liable for failures or delays in performing their obligations hereunder arising from any Event of Force Majeure, and in the event of any such delay, the time for all Parties’ performance shall be extended for a period equal to the time lost by reason of the delay which shall be remedied with all due dispatch in the circumstances.

10. Governing Law and Jurisdiction

Irrespective of the country from which Users access or use the Site, to the extent permitted by law, these Terms and Users’ use of the Site, Platform and/or Services shall be governed in accordance with the Luxembourg law. Any dispute or claim arising that cannot be settled by mutual understanding and negotiation between the user and the Company will be subject to the exclusive authority of the courts of the Republic of Luxembourg.

11. Model withdrawal form

Please complete and return this form only if you wish to withdraw from the subscription to the Services:

YAWLFIN SARLs
9 LOUVIGNY, L-1946 LUXEMBOURG
Dear,
I, the undersigned [first name, last name], hereby give notice that I withdraw from the subscription to the Services referenced below:

• Ordered on [date]
• First name and last name of the user [to be completed]
• User ID/ Email address [to be completed]
• User’s signature (only if this form is notified on paper)
• Date

Last Update: 06/01/2025