Terms of Service

Acceptance of Terms

These Terms of Service ("Terms") govern your access to and use of the website and services provided by Xenqorix Lda. ("Xenqorix", "we", "our", or "us"), a Portuguese company with registration number 618253497, located at Rua do Carmo 245, 3879-908 Aveiro, Portugal.

By accessing our website at xenqorix.pro or using our finance technology adoption services, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use our website or services.

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services after any changes constitutes acceptance of the new Terms.

Description of Services

Xenqorix provides finance technology adoption strategies and related consulting services to businesses. Our services include but are not limited to:

• Digital transformation consulting for financial operations
• Technology integration and implementation services
• Regulatory compliance solutions and guidance
• Data analytics and business intelligence services
• Training and change management support
• Strategic technology planning and roadmap development

Specific service details, deliverables, timelines, and pricing are outlined in separate service agreements between Xenqorix and individual clients.

User Obligations

When using our website and services, you agree to:

• Provide accurate and complete information when requested
• Maintain the confidentiality of any account credentials
• Use our services only for lawful business purposes
• Comply with all applicable laws and regulations
• Respect the intellectual property rights of Xenqorix and third parties
• Not attempt to gain unauthorised access to our systems or data
• Not use our services to transmit harmful, offensive, or illegal content
• Cooperate with our security and investigation procedures

Violation of these obligations may result in immediate termination of your access to our services and potential legal action.

Intellectual Property

All content, materials, and intellectual property on our website and in our services, including but not limited to text, graphics, logos, software, methodologies, and documentation, are owned by Xenqorix or our licensors and are protected by copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable licence to access and use our website and services for their intended business purposes. This licence does not include the right to:

• Reproduce, distribute, or publicly display our content
• Modify, adapt, or create derivative works
• Use our content for commercial purposes without written consent
• Reverse engineer or attempt to extract source code
• Remove or alter any proprietary notices or labels

Any unauthorised use of our intellectual property may result in legal action and claims for damages.

Service Availability and Performance

While we strive to provide reliable and continuous access to our website and services, we do not guarantee uninterrupted availability. Our services may be temporarily unavailable due to:

• Scheduled maintenance and updates
• Technical difficulties or system failures
• Third-party service provider issues
• Force majeure events beyond our control

We will make reasonable efforts to provide advance notice of planned downtime and to restore services as quickly as possible in case of unexpected interruptions.

Payment Terms and Fees

Service fees, payment terms, and billing arrangements are specified in individual service agreements. General payment terms include:

• Fees are due according to the agreed payment schedule
• Late payments may incur additional charges
• All fees are exclusive of applicable taxes unless otherwise stated
• Refunds are subject to the specific terms of your service agreement
• We reserve the right to suspend services for non-payment

Any disputes regarding fees or billing should be raised within 30 days of the invoice date.

Confidentiality and Data Protection

We recognise the confidential nature of the information shared during our business relationship. Both parties agree to:

• Maintain strict confidentiality of proprietary information
• Use confidential information solely for authorised purposes
• Implement appropriate security measures to protect data
• Comply with applicable data protection regulations including GDPR
• Return or destroy confidential information upon request

For detailed information about our data handling practices, please refer to our Privacy Policy.

Limitation of Liability

To the maximum extent permitted by law, Xenqorix 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:

• Your use of or inability to use our services
• Any errors, omissions, or inaccuracies in our content
• Unauthorised access to or alteration of your data
• Third-party actions or services
• Force majeure events or circumstances beyond our control

Our total liability for any claims related to our services shall not exceed the total amount paid by you for the specific services giving rise to the claim in the 12 months preceding the claim.

This limitation of liability applies regardless of the legal theory on which the claim is based and even if we have been advised of the possibility of such damages.

Indemnification

You agree to indemnify, defend, and hold harmless Xenqorix, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising from:

• Your violation of these Terms or applicable laws
• Your misuse of our services or website
• Your breach of any representations or warranties
• Any content or data you provide to us
• Your negligent or wrongful conduct

We reserve the right to assume the exclusive defence and control of any matter subject to indemnification by you.

Termination

Either party may terminate the service relationship in accordance with the terms specified in individual service agreements. We reserve the right to immediately terminate or suspend your access to our services if:

• You breach any provision of these Terms
• Your account becomes delinquent
• You engage in fraudulent or illegal activities
• We determine that continued service provision is not feasible
• Required by law or regulatory authorities

Upon termination, your right to access and use our services will cease immediately. We may, but are not obligated to, delete your account and data.

Provisions of these Terms that by their nature should survive termination will remain in effect, including intellectual property rights, confidentiality obligations, and limitation of liability.

Governing Law

These Terms and any disputes arising from or relating to our services shall be governed by and construed in accordance with the laws of Portugal, without regard to conflict of law principles.

Any legal action or proceeding arising under these Terms will be brought exclusively in the courts of Portugal, and you hereby consent to the personal jurisdiction and venue of such courts.

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions will continue to be valid and enforceable to the fullest extent permitted by law.

Dispute Resolution

We encourage the amicable resolution of any disputes through direct communication. If a dispute cannot be resolved through negotiation, the parties agree to attempt mediation before pursuing litigation.

For consumer disputes, you may also have the right to use alternative dispute resolution platforms provided by the European Commission or Portuguese consumer protection authorities.

Force Majeure

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

The affected party shall promptly notify the other party and use reasonable efforts to remedy the situation.