These Terms and Conditions of Use (the Terms) govern your access to and use of the Website. By accessing or using the Website, you agree to be bound by these Terms. If you do not agree, you must not use the Website.

1. Purpose of the Website

The Website is provided solely to present general information and descriptive materials. The content is intended for informational and analytical purposes only and is not tailored to any person’s situation, objectives, or financial circumstances.

2. No investment advice, no recommendation, no offer

Nothing on the Website constitutes, and it must not be interpreted as:

• investment advice, legal advice, tax advice, accounting advice, or any other professional advice,

• a personal recommendation,

• an invitation, offer, solicitation, or inducement to buy or sell any financial instrument or to enter into any investment strategy,

• discretionary portfolio management, reception and transmission of orders, brokerage, placement, custody, investment research intended to prompt transactions, or any other regulated investment service or activity,

• marketing of any financial product or service.

Any references to strategies, risk management, models, allocation approaches, or market commentary are generic descriptions or opinions provided for information only.

3. No client relationship

Use of the Website does not create any client, advisory, fiduciary, employment, agency, or other professional relationship with the Website operator. No duties of care or fiduciary obligations are assumed through your use of the Website.

4. Portfolio-related work only under formal appointment

If the Website describes portfolio or investment-related activities, such descriptions are not an offer of services to the public. Any portfolio-related work (if any) may be performed only where a relevant entity has formally appointed an individual to act on its behalf (for example as an employee, officer, or mandated function). In such cases, the relevant entity remains solely responsible for decisions, governance, and outcomes.

5. No reliance and independent verification

- You should not rely on Website content as the basis for any decision. You remain solely responsible for:

verifying information independently,

- assessing risks, suitability, and consequences of any action,

- obtaining independent professional advice as needed.

6. Accuracy, completeness, and timeliness

While reasonable efforts may be made to keep the content accurate, the Website is provided “as is” and “as available”. No representation or warranty is given that the content is accurate, complete, current, error-free, or fit for any purpose. Content may become outdated and may be changed or removed at any time without notice.

7. Limitation of liability

To the maximum extent permitted by applicable law, the Website operator shall not be liable for any loss or damage arising out of or in connection with:

- your access to or use of the Website, or inability to access or use it,

- any reliance on Website content,

- any errors, omissions, interruptions, delays, or inaccuracies,

- any decisions or actions taken by you or any third party based on the Website,

- viruses, malware, or other harmful components that may affect your equipment or data,

- third-party websites, tools, or services linked from the Website.

This limitation applies to direct, indirect, incidental, consequential, special, punitive, and economic losses, including loss of profits, loss of opportunity, loss of data, business interruption, and reputational harm.

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under mandatory law.

8. Third-party links

The Website may contain links to third-party websites or resources. These links are provided for convenience only. The Website operator does not control third-party websites and is not responsible for their content, policies, security, or practices. A link does not imply endorsement.

9. Intellectual property

All content on the Website (including text, graphics, logos, visuals, layout, and downloadable materials) is protected by intellectual property rights. You may view and print content for your personal, non-commercial use. You may not copy, reproduce, distribute, modify, publish, transmit, sell, license, create derivative works from, or exploit the content for commercial purposes without prior written permission, except where permitted by mandatory law.

10. Acceptable use

You agree not to:

- use the Website in any way that violates applicable laws or regulations;

- attempt to gain unauthorized access to systems or data;

- interfere with the Website’s operation (including by scraping, probing, or overloading);

- introduce malware or harmful code;

use the Website in a misleading way, including implying regulatory approval, endorsement, or a client relationship.

11. Privacy and cookies

If the Website processes personal data (for example via contact forms, email communications, analytics, or cookies), such processing is governed by the Website’s Privacy Notice and Cookie Notice (if published), which form part of the Website’s legal information. Where required, cookie consent mechanisms may be used.

12. Security and availability

Access to the Website may be suspended or restricted at any time for security, legal, maintenance, or operational reasons. No guarantee is made that the Website will be available without interruption.

13. Changes to the Terms

These Terms may be updated at any time. The “Last updated” date will reflect the latest revision. Continued use of the Website after changes means you accept the updated Terms.

14. Severability

If any provision of these Terms is held invalid or unenforceable, the remaining provisions shall remain in full force and effect.

15. Governing law and jurisdiction

These Terms and any dispute arising out of or relating to the Website shall be governed by the laws of Luxembourg. The courts of Luxembourg shall have jurisdiction, subject to any mandatory consumer protection jurisdiction rules that may apply.

16. Contact

For legal or general enquiries about the Website, use the contact details provided on the Website.

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CIM Management provides reliable business process management and consulting solutions. We help companies optimize operations, improve efficiency, and achieve sustainable growth through a tailored, expert-driven approach.