📜 TERMS OF SERVICE

VitaAvanza

Last updated: [20/01/2026]

1. Acceptance of Terms

By accessing or using VitaAvanza, you agree to these Terms of Service.

If you do not agree, you should not use the platform.

2. Description of the Service

VitaAvanza is a life-navigation platform designed to:

• help users organize complex situations
• provide structured guidance
• support access to institutional services
• present a non-financial development posture through DVI

VitaAvanza is not:

• a bank
• a financial advisor
• a healthcare provider
• a legal authority

3. Eligibility

You must:

• be legally able to enter into a contract
• provide accurate information
• use the service for lawful purposes only

4. User Responsibilities

You agree to:

• provide truthful information
• use the service respectfully and lawfully
• not misuse or attempt to reverse-engineer the system
• not impersonate others

You remain responsible for decisions made based on information provided by the platform.

5. No Professional Advice

Information provided by VitaAvanza:

• is for guidance and organizational purposes only
• does not constitute financial, medical, or legal advice

You should seek qualified professionals where appropriate.

6. Availability and Changes

We may:

• update features
• modify or discontinue parts of the service
• suspend access for maintenance or security reasons

We do not guarantee uninterrupted availability.

7. Intellectual Property

All platform content, software, and design elements are the property of VitaAvanza or its licensors.

You may not copy, modify, or redistribute without permission.

8. Termination

You may stop using the service at any time.

We may suspend or terminate access if:

• these terms are violated
• misuse or abuse is detected
• required by law

9. Limitation of Liability

To the maximum extent permitted by law:

• VitaAvanza is not liable for indirect or consequential damages
• use of the service is at your own risk

Nothing limits liability where exclusion is prohibited by law.

10. Governing Law

These Terms are governed by the laws of the European Union and applicable national law.

Jurisdiction shall be determined according to applicable regulations.

11. Changes to Terms

We may update these Terms from time to time.

Continued use constitutes acceptance of the updated Terms.

12. Contact

For legal or contractual questions: hello@vitaavanza.com