Terms & Conditions
1. Introduction
Ephelia Group operates https://www.epheliagroup.com
(the “Site”). The Site provides general information about Ephelia Group’s Fintech‑as‑a‑Service platform and related business activities. According to the company overview on the Site, Ephelia Group is a global Fintech‑as‑a‑Service provider that delivers innovative financial solutions in areas such as payments, electronic money, investments and compliance.
The ultimate holding company of the group is Vigh29 Holding Ltd. These Terms and Conditions (“Terms”) govern your use of the Site.
2. Acceptance of Terms
By accessing or using the Site you agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use the Site. Ephelia Group may change these Terms at any time by posting an updated version on the Site. Your continued use of the Site after any changes have been posted constitutes your acceptance of the new Terms.
3. Intellectual Property Rights
The Site and its content, including text, logos, graphics, photographs, icons, images, software and other materials (“Content”), are owned by Ephelia Group or its licensors and are protected by copyright, trade‑mark and other intellectual‑property laws. Except for the limited licence granted in these Terms, you do not have any right, title or interest in or to any Content. You may view, download and print Content for your personal, non‑commercial use only. Any other use of the Site or Content – including reproduction, modification, distribution, transmission, republication, display or performance – without Ephelia Group’s prior written consent is strictly prohibited.
4. Permitted Use
You may use the Site solely for legitimate purposes and in accordance with these Terms.
You may access and read Content for informational purposes. The Site does not offer the ability to register user accounts, purchase services or products, or conduct financial transactions.
You may link to the Site provided that your link does not portray Ephelia Group, its affiliates or their products or services in a false, misleading, derogatory or otherwise offensive manner, and provided that you immediately remove any link if requested by Ephelia Group.
5. Prohibited Conduct
You agree not to:
Use the Site or Content for any unlawful purpose or in any way that breaches any applicable law or regulation.
Copy, reproduce, distribute, publish, display, perform, modify or create derivative works from the Content without written permission.
Use the Site to transmit or upload any material that is defamatory, offensive, obscene, discriminatory or otherwise objectionable.
Interfere with or disrupt the Site or servers/networks connected to the Site, including by introducing viruses, malware or other harmful code.
Attempt to gain unauthorised access to any portion of the Site, other accounts, computer systems or networks connected to the Site through hacking, password mining or any other means.
6. Disclaimer
The information provided on the Site is for general informational purposes only. Ephelia Group strives to ensure that the information presented is accurate and up‑to‑date; however, the Company does not warrant or guarantee the accuracy, completeness or usefulness of any information. In particular, the Site’s description of Ephelia Group as a global Fintech‑as‑a‑Service provider is intended to give a general overview and does not constitute an offer to provide regulated financial services. Nothing on the Site constitutes legal, financial, investment or other professional advice. You should not rely on any information on the Site as a substitute for professional advice. Ephelia Group disclaims all liability and responsibility arising from any reliance placed on such materials.
7. Limitation of Liability
To the fullest extent permitted by law, Ephelia Group, Vigh29 Holding Ltd and their directors, officers, employees and agents will not be liable for any direct, indirect, special, incidental, consequential or punitive damages arising out of or relating to your use of, or inability to use, the Site or Content. This includes loss of profits, business interruption, loss of data or other intangible losses. Your sole and exclusive remedy for dissatisfaction with the Site or these Terms is to stop using the Site.
Ephelia Group does not guarantee that the Site will be secure or free from bugs or viruses. You are responsible for configuring your technology to access the Site and should use your own virus protection software.
8. Links to Third‑Party Websites
The Site may contain links to external websites that are not owned or controlled by Ephelia Group. These links are provided for convenience only. Ephelia Group has no control over, and assumes no responsibility for, the content, privacy policies or practices of any third‑party sites. Inclusion of a link does not imply endorsement of the linked site or any association with its operators. You access any third‑party sites at your own risk.
9. Governing Law and Jurisdiction
These Terms and any dispute or claim arising out of or in connection with them (including non‑contractual disputes or claims) are governed by and construed in accordance with the laws of England and Wales. You irrevocably agree that the courts of England and Wales have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with these Terms.
10. Changes to These Terms
Ephelia Group may revise these Terms at any time. When we do so, we will update the “Last Updated” date at the top of the Terms and, if the changes are material, we will take reasonable steps to notify users. You should regularly review these Terms to ensure that you understand the terms that apply at the time you access the Site. Your continued use of the Site following the posting of revised Terms means that you accept and agree to the changes.
11. Contact Us
If you have any questions about these Terms or the Site, or you wish to exercise any rights related to your personal data, please contact Ephelia Group at:
Email: privacy@epheliagroup.com
Postal Address: Vigh29 Holding Ltd, 7 Manchester Square, London, United Kingdom.
Data Protection Officer: dpo@epheliagroup.com