Terms of Service

Last Updated: 15th January 2026

Acceptance of Terms

By accessing and using the website and services of Zyphorix AG ("Company", "we", "our", or "us"), 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 Zyphorix AG. If you do not agree to these Terms, you must not use our website or services.

Company Information

Services Description

Zyphorix AG provides finance governance consulting services, including but not limited to:

• Regulatory compliance auditing and assessment
• Risk management and mitigation strategies
• Governance training and professional development
• Regulatory consulting and advisory services
• Process optimisation and workflow improvement
• Ongoing support and monitoring services

User Obligations

By using our services, you agree to:

• Provide accurate, complete, and current information when requested
• Maintain the confidentiality of any login credentials or account information
• Use our services only for lawful purposes and in accordance with these Terms
• Not interfere with or disrupt the operation of our website or services
• Not attempt to gain unauthorised access to our systems or networks
• Comply with all applicable laws and regulations in your jurisdiction
• Respect the intellectual property rights of Zyphorix AG and third parties

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 methodologies, are owned by or licensed to Zyphorix AG and are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works of our intellectual property without our express written permission. Any feedback, suggestions, or ideas you provide to us may be used by Zyphorix AG without compensation or attribution.

Service Terms and Conditions

Specific terms for our consulting services include:

• Services are provided based on individual agreements and proposals
• Payment terms and schedules will be specified in service agreements
• Confidentiality obligations apply to both parties as outlined in separate agreements
• Service delivery timelines are estimates and may be subject to change
• Additional terms may apply for specific services as outlined in service agreements

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 fullest extent permitted by law, Zyphorix AG 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 related to your use of our services. Our total liability for any claims arising from or related to these Terms or our services shall not exceed the amount paid by you for the specific services giving rise to the claim. This limitation applies regardless of the legal theory on which the claim is based.

Professional Disclaimer

Our services are provided for informational and consulting purposes. While we strive to provide accurate and current information, we make no warranties or representations about the completeness, accuracy, or suitability of our advice for your specific circumstances. You should always consult with qualified legal and financial professionals before making decisions based on our recommendations. Zyphorix AG is not responsible for any decisions made or actions taken based on our advice or recommendations.

Indemnification

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

Governing Law

These Terms shall be governed by and construed in accordance with the laws of Germany. Any disputes arising from or related to these Terms or our services shall be subject to the exclusive jurisdiction of the courts of Cologne, Germany. The application of the United Nations Convention on Contracts for the International Sale of Goods is expressly excluded.

Termination

Either party may terminate these Terms at any time with or without cause. Upon termination, your right to use our services will cease immediately. Zyphorix AG reserves the right to suspend or terminate your access to our services if you violate these Terms or engage in conduct that we deem harmful to our business or other users. Provisions that by their nature should survive termination shall remain in effect after termination of these Terms.

Force Majeure

Zyphorix AG shall not be liable for any failure or delay in performance under these Terms that is due to fire, flood, earthquake, pandemic, governmental action, war, terrorism, or other causes beyond our reasonable control. In such events, we will make reasonable efforts to minimise any disruption to our services.

Modifications to Terms

Zyphorix AG reserves the right to modify these Terms at any time. We will notify you 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 any modifications constitutes acceptance of the updated Terms. If you do not agree to the modified Terms, you must discontinue use of our services.

Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be replaced with a valid provision that most closely reflects the intent of the original provision.

Entire Agreement

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

Contact Information

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