Terms of Service

Acceptance of Terms

By accessing and using the NovaMethod website and services, you accept and agree to be bound by these Terms of Service. These terms constitute a legal agreement between you and NovaMethod AS, a company incorporated in Denmark with registration number CVR84652319. If you do not agree to these terms, you should not use our website or services. Your continued use of our services constitutes acceptance of any modifications to these terms.

Description of Services

NovaMethod provides personal finance advisory services, including but not limited to wealth building strategies, tax optimisation guidance, retirement planning, and financial protection advice. Our services are designed specifically for individuals and families in Denmark, taking into account Danish financial regulations and tax laws. All advice is provided for informational and educational purposes and should be considered alongside other professional advice appropriate to your circumstances.

User Obligations

You agree to provide accurate, current, and complete information when using our services. You are responsible for maintaining the confidentiality of any account information and for all activities that occur under your account. You must not use our services for any unlawful purpose or in any way that could damage, disable, overburden, or impair our website or services. You agree to comply with all applicable laws and regulations when using our services.

Professional Relationship

The establishment of a formal advisory relationship requires a signed agreement between you and NovaMethod. Initial consultations and general information provided through our website do not constitute a formal advisory relationship. All financial advice is provided based on the information you provide to us, and you are responsible for the accuracy and completeness of this information. We reserve the right to decline to provide services at our discretion.

Intellectual Property

All content on the NovaMethod website, including text, graphics, logos, images, software, and other materials, is the property of NovaMethod AS and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works of our content without our express written permission. You may view and download content for personal, non-commercial use only, provided you keep all copyright and other proprietary notices intact.

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 of Service by reference. By using our services, you consent to the collection and use of your information as described in our Privacy Policy. We comply with all applicable data protection laws, including the General Data Protection Regulation (GDPR).

Fees and Payment

Fees for our services are as published on our website or as agreed in writing. All fees are quoted inclusive of applicable VAT. Payment is due as specified in your service agreement. We reserve the right to change our fees at any time, but such changes will not affect services already contracted. Refunds are provided in accordance with our refund policy as communicated at the time of service purchase.

Limitation of Liability

To the fullest extent permitted by law, NovaMethod AS shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or use, arising out of or relating to your use of our services. Our total liability to you for all claims arising from or relating to our services shall not exceed the amount you have paid to us for services in the twelve months preceding the claim. This limitation applies regardless of the legal theory upon which the claim is based.

Disclaimers

Our services and website are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee that our services will be uninterrupted, error-free, or completely secure. Financial markets are inherently unpredictable, and past performance does not guarantee future results. All financial decisions carry risk, and you should consider your personal circumstances and seek additional professional advice where appropriate.

Indemnification

You agree to indemnify, defend, and hold harmless NovaMethod AS, its officers, directors, employees, and agents from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including legal fees) arising from your use of our services, your violation of these Terms of Service, or your violation of any rights of another party.

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of Denmark. Any disputes arising from or relating to these terms or our services shall be subject to the exclusive jurisdiction of the Danish courts. If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

Termination

Either party may terminate the service relationship at any time with appropriate notice as specified in the service agreement. We reserve the right to terminate or suspend your access to our services immediately, without prior notice, if you breach these Terms of Service. Upon termination, your right to use our services will cease immediately, but the provisions of these terms that by their nature should survive termination will remain in effect.

Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective when posted on our website with an updated "Last updated" date. Your continued use of our services after any such changes constitutes your acceptance of the new terms. We encourage you to review these terms periodically to stay informed of any updates.

Regulatory Compliance

NovaMethod AS operates in compliance with all applicable Danish financial services regulations. Our services are provided in accordance with professional standards and regulatory requirements. We maintain appropriate professional indemnity insurance and follow industry best practices for client protection and service delivery.

Contact Information

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

These Terms of Service constitute the entire agreement between you and NovaMethod AS regarding the use of our services and supersede all prior agreements and understandings, whether written or oral, relating to the subject matter herein.