Terms and Conditions

Last updated: 01.03.2025

1. Acceptance of Terms

Welcome to Mamytova Consulting (“Company,” “we,” “us,” or “our”). By accessing or using this website (the “Site”), you acknowledge that you have read, understood, and agree to abide by these Terms and Conditions (“Terms”). If you do not agree with these Terms, you should immediately discontinue use of the Site.

2. General Information and Educational Purpose Only

  1. No Financial Services:
    The material on this Site is provided solely for general informational and educational purposes. We do not offer or promote any licensed financial services or investment advice.
  2. Local Regulations:
    You are responsible for complying with all local laws and regulations applicable in your jurisdiction. If the content on this Site conflicts with your country’s regulations, you must stop using the Site immediately.
  3. No Professional Advice:
    None of the content on this Site constitutes legal, tax, accounting, investment, or professional advice. Always consult qualified professionals before making decisions related to your financial or legal affairs.

3. Intellectual Property and Use of Content

  1. Copyright Ownership:
    All content, text, graphics, logos, images, and other materials on this Site (“Content”) are owned by or licensed to Mamytova Consulting, unless otherwise indicated.
  2. Prohibited Copying or Distribution:
    You may not copy, reproduce, distribute, publicly display, or otherwise exploit the Content without our prior written consent.
  3. Conditions for Approved Use:
    • If we grant you written permission to use or republish any part of our Content, you must include a clear, indexable link back to the original source on our Site.
    • You may not modify the Content in a way that misrepresents our original material.

4. Payments and Fees

  1. Consultation Fees:
    We may require payment for certain consulting services provided by Mamytova Consulting (“Services”). Our fees will be communicated in advance to you (the “Client”).
  2. Invoicing and Payment:
    • Upon completion of the Services or based on a milestone agreed upon in writing, we will issue an invoice to you.
    • You agree to pay the invoice within five (5) working days from the date the invoice is sent.
    • Payment methods will be specified in our communication (e.g., bank transfer, PayPal, credit card).
  3. Late Payments:
    If payment is not received within the specified period, we reserve the right to charge late fees and/or suspend further services until payment is fulfilled.

5. Compensation from Partners and Affiliate Links

  1. Referral Fees:
    We may be compensated by our banking or business partners when we refer clients, or we may receive introducer/partner fees for successful introductions.
  2. Affiliate Links:
    Certain links on this Site may be affiliate links. By clicking on them, we may earn a small commission if you purchase or use the linked products/services. However, we are not responsible for the content, usage terms, or performance of such external products/services.
  3. No Liability for Affiliate Products:
    You agree that Mamytova Consulting shall not be liable for any loss, damage, or dispute arising out of or in connection with your use of any affiliate or referral partner’s products or services.

6. Disclaimer of Warranties

  1. “As Is” Basis:
    This Site and all Content are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including but not limited to any implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
  2. No Guarantee:
    While we strive to ensure the accuracy and reliability of the information presented, we make no representations or warranties as to the completeness, correctness, or timeliness of any information on this Site.
  3. Third-Party Websites:
    Our Site may include links to third-party websites. We do not endorse or assume any responsibility for the content, accuracy, privacy policies, or practices of such third-party sites.

7. Limitation of Liability

  1. No Liability for Damages:
    To the maximum extent permitted by applicable law, Mamytova Consulting and its owners, employees, or affiliates shall not be liable for any direct, indirect, incidental, consequential, or special damages— including but not limited to loss of profits, loss of data, or business interruption—arising out of or in any way connected with your use of or inability to use this Site or its Content.
  2. User Responsibility:
    You assume full responsibility for any decisions made based on the information provided on this Site. Mamytova Consulting does not accept any liability for the results of your decisions.

8. Indemnification

You agree to indemnify, defend, and hold harmless Mamytova Consulting and its affiliates, officers, directors, agents, and employees from and against any claims, liabilities, damages, judgments, awards, losses, costs, or expenses (including reasonable attorneys’ fees) resulting from or arising out of your breach of these Terms or misuse of the Site.

9. Termination

  1. Right to Terminate:
    We reserve the right to terminate or restrict your access to the Site and/or services at our sole discretion, without notice, and without liability to you, if we believe you are violating these Terms or applicable laws.
  2. Survival of Provisions:
    All provisions relating to intellectual property, disclaimers, indemnification, and limitations of liability shall survive any termination of these Terms.

10. Modifications to Terms

We may update or revise these Terms at any time without prior notice. Any changes will be effective upon posting to the Site. Your continued use of the Site following the posting of revised Terms means you accept and agree to the changes.

11. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with Swiss law, without regard to its conflict-of-law provisions. Any disputes arising out of or in connection with these Terms shall be submitted to the exclusive jurisdiction of the courts in the canton of Graubünden, Switzerland, unless otherwise required by mandatory legal provisions.

12. Contact Information

For questions about these Terms and Conditions, or if you wish to discuss any matter related to the Site, please contact us:

  • Mamytova Consulting
  • Address: Saegenstrasse 22, 7000 Chur, Switzerland
  • Email: asel@mamytova.com
  • Phone: +41 79 657 78 70

Final Note

By using this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree, you should stop using this Site immediately.

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