Website terms

1. Acceptance of terms

By accessing or using this website (https://private-wealth-advisory.com), you agree to be bound by these Website Terms (the "Terms"), our Privacy Notice, and our Cookie Policy. If you do not agree to any part of these Terms, you must immediately cease all use of this website. These Terms constitute a legally binding agreement between you (the "User", "you") and PWA Advisory Ltd. ("PWA", "we", "us", "our"). We reserve the right to update these Terms at any time; the "Last updated" date at the top of this page reflects the most recent revision. Continued use of the website after changes are posted constitutes acceptance of the revised Terms.

2. About this website

This website is operated by PWA Advisory Ltd., trading as PWA — Private Wealth Advisory. The purpose of this website is to describe our advisory services and to enable qualified inquiries from prospective clients. This website does not constitute a platform for the provision of financial services, the execution of transactions, or the management of assets.

3. No regulated advice

Nothing on this website constitutes investment advice, tax advice, legal advice, accounting advice, fiduciary services, insurance advice, estate planning advice, or any recommendation to buy, sell, or hold any financial instrument, security, insurance product, or other asset. PWA is not a regulated investment manager, broker-dealer, custodian, trustee, registered investment adviser, insurance broker, or tax preparer. PWA does not hold, manage, or have custody of client assets at any time.

No content on this website should be construed as a solicitation, offer, or invitation to engage in any investment activity or to enter into any transaction. Where regulated advice is required, PWA assists clients in identifying and engaging appropriately licensed specialists in the relevant jurisdiction. Users should always seek independent professional advice before making financial, tax, legal, or insurance decisions.

4. No client relationship

Use of this website — including browsing content, submitting inquiry forms, booking calls, or engaging in any other interaction — does not by itself create an advisory, fiduciary, or client relationship between you and PWA. No duty of care, duty of loyalty, or other fiduciary obligation arises from your use of this website.

An advisory engagement with PWA begins only upon the execution of a written engagement letter signed by both parties, which will set out the scope of services, fees, and governing terms. Until such engagement letter is fully executed, PWA owes no professional obligations to any website user.

5. No guarantees or representations

PWA makes no warranty, guarantee, or representation regarding investment results, financial outcomes, or the performance of any strategy, approach, or recommendation. Past performance is not indicative of future results. Any case studies, examples, scenarios, or illustrative materials presented on this website are for informational purposes only and do not represent guarantees of similar outcomes.

No representation is made that the services described on this website will achieve any particular financial, tax, or legal outcome. All advisory work is subject to the specific terms of the applicable engagement letter.

6. Accuracy and completeness

The content on this website is provided "as is" and may contain errors, omissions, or inaccuracies. PWA makes no guarantee as to the timeliness, currentness, accuracy, or completeness of any information presented. Market conditions, regulations, tax laws, and industry practices change frequently; content on this website may not reflect the current state of affairs at the time of reading.

PWA reserves the right to modify, update, or remove any content on this website at any time without prior notice. Statements about our services describe our usual approach and methodology and are not contractual offers.

7. Eligibility

You must be at least 18 years of age and possess the legal capacity to enter into binding agreements in your jurisdiction of residence in order to use this website. By accessing or using this website, you represent and warrant that you meet these eligibility requirements.

8. Acceptable use

You agree not to use this website in any manner that is unlawful, harmful, or inconsistent with these Terms. Without limitation, the following activities are expressly prohibited:

• Scraping, crawling, data mining, or automated extraction of content or data from this website;
• Reverse engineering, decompiling, or disassembling any part of this website;
• Attempting unauthorised access to any systems, servers, or networks connected to this website;
• Introducing viruses, malware, trojans, worms, or any other harmful or malicious code;
• Using this website or its content to develop, operate, or market competing services;
• Framing, mirroring, or otherwise reproducing any part of this website on another platform;
• Circumventing, disabling, or otherwise interfering with security features of this website;
• Using any content from this website to train artificial intelligence or machine learning models without prior written consent from PWA Advisory Ltd.;
• Any other use that violates applicable local, national, or international law or regulation.

9. Intellectual property

All content on this website — including but not limited to the wordmark "PWA", the trademark "Private Wealth Advisory", the design system, diagrams, illustrations, images, text, code, and all other materials — is the intellectual property of PWA Advisory Ltd. and is protected by applicable copyright, trademark, and other intellectual property laws. All rights are expressly reserved.

No content may be reproduced, republished, distributed, displayed, scraped for AI or machine learning training, or used commercially without the prior written consent of PWA Advisory Ltd.. Brief quotations for journalistic, academic, or research purposes are permitted provided that proper attribution is given and a hyperlink to the original source page on https://private-wealth-advisory.com is included.

10. User submissions

Any information, data, or materials you submit to PWA through this website — including via inquiry forms, booking requests, or other communications — is not considered confidential until a formal engagement letter has been executed by both parties. By submitting information, you acknowledge that no confidentiality obligation exists prior to the establishment of a formal advisory relationship.

PWA may use submission data solely for the purpose of responding to your inquiry and evaluating whether a potential engagement is appropriate. PWA does not accept unsolicited submissions of intellectual property, business plans, or proprietary materials, and assumes no obligation with respect to any such submissions.

11. Third-party links and services

This website may contain links to third-party websites, platforms, and services — including but not limited to Cal.com (used for appointment scheduling), LinkedIn, and other external resources. These links are provided for your convenience only and do not constitute an endorsement, sponsorship, or recommendation by PWA.

PWA has no control over and accepts no responsibility for the content, privacy practices, terms of use, or availability of any third-party websites or services. Your use of third-party services is governed by their respective terms and privacy policies, and you access them at your own risk.

12. Disclaimer of warranties

This website is provided on an "AS IS" and "AS AVAILABLE" basis. To the maximum extent permitted by applicable law, PWA Advisory Ltd. expressly disclaims all warranties, whether express, implied, statutory, or otherwise, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy.

PWA does not warrant that this website will be available at all times, that access will be uninterrupted or error-free, that defects will be corrected, or that the website or its servers are free of viruses, malware, or other harmful components.

13. Limitation of liability

To the maximum extent permitted by applicable law, PWA Advisory Ltd., its officers, directors, employees, agents, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages — including but not limited to loss of profits, data, goodwill, or other intangible losses — arising out of or in connection with: (a) your access to or use of (or inability to access or use) this website; (b) any reliance on content, information, or materials presented on this website; (c) any conduct or content of any third party on or linked from this website; or (d) unauthorised access, use, or alteration of your data or transmissions.

The total aggregate liability of PWA Advisory Ltd. for all claims arising out of or related to these Terms or the use of this website shall not exceed one hundred euros (€100). Nothing in these Terms excludes or limits liability that cannot be lawfully excluded or limited, including liability for death or personal injury caused by negligence or for fraud or fraudulent misrepresentation.

14. Indemnification

You agree to indemnify, defend, and hold harmless PWA Advisory Ltd., its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or in connection with: (a) your use of this website; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; or (d) your infringement of any third-party rights, including intellectual property rights.

15. Force majeure

PWA Advisory Ltd. shall not be liable for any failure or delay in the performance of its obligations under these Terms where such failure or delay results from events beyond its reasonable control, including but not limited to: natural disasters, acts of God, war, armed conflict, terrorism, civil unrest, pandemic, epidemic, government orders or sanctions, power failure, internet or telecommunications disruption, cyberattack, or any other event that could not have been reasonably foreseen or prevented.

16. Severability

If any provision of these Terms is found by a court of competent jurisdiction to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving the original intent of the parties, or, if modification is not possible, it shall be severed from these Terms.

17. Governing law and dispute resolution

These Terms are governed by and construed in accordance with the laws of the jurisdiction in which PWA Advisory Ltd. is incorporated, without regard to its conflict of law principles.

In the event of any dispute arising out of or in connection with these Terms, the parties agree to first attempt resolution through good-faith mediation before commencing any legal proceedings. If mediation fails to resolve the dispute within sixty (60) days, either party may submit the matter to the exclusive jurisdiction of the courts of the jurisdiction in which PWA Advisory Ltd. is incorporated.

Nothing in this section shall prevent either party from seeking interim or injunctive relief from a court of competent jurisdiction where necessary to protect its rights. These provisions are subject to any mandatory consumer protection laws of your country of residence that cannot be overridden by contract.

18. Entire agreement, waiver, and contact

These Terms, together with the Privacy Notice and the Cookie Policy, constitute the entire agreement between you and PWA Advisory Ltd. with respect to your use of this website. These Terms supersede all prior or contemporaneous communications, proposals, and agreements, whether oral or written, relating to the subject matter herein.

The failure of PWA Advisory Ltd. to exercise or enforce any right or provision of these Terms shall not operate as a waiver of such right or provision. No amendment or modification of these Terms shall be effective unless made in writing and signed by an authorised representative of PWA Advisory Ltd..

If you have any questions about these Terms, please book a meeting with our team.