1. YoWealth (yowealth.com) provides information for general purposes only and does not serve as a recommendation, offer, or solicitation to enter into any contract or agreement with us.

2. By accessing our website, mobile applications, or other platforms, you acknowledge that your visit and any requests for information are entirely self-initiated, without prior direct communication from us.

3. The content on our website is not intended for users in jurisdictions where making such information available would be restricted by law. If you reside outside Gibraltar, you should consult a professional advisor or local regulator to ensure compliance with local regulations.

4. Additionally, no services mentioned on our website are available in jurisdictions where such activities are prohibited. In particular, we do not extend any offers or invitations to U.S. persons, including residents, partnerships, or corporations established under U.S. laws or its territories.

Who We Are

1. This website ("Website") is owned and operated by YoWealth. Any references to "we" or "us" refer to YoWealth.

Terms of Use

2. By accessing and using this Website, you agree to abide by these Terms of Use. If you do not agree to these terms, you should not use the Website.

3. The following additional policies apply:

• a. Privacy Policy: Explains how we collect, process, and use your personal data. By using the Website, you consent to this and confirm that any data you provide is accurate.
• b. Cookie Policy: Details the types of cookies we use and their purpose.
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Our Rights and Changes to Terms

4. We reserve the right to update these Terms of Use at any time. Changes will be communicated through reasonable means, such as posting the revised terms on the Website. Please review the Terms of Use regularly to stay informed.

We may also:

• 5. Restrict or withdraw your access to the Website or specific sections, especially if you violate these terms.
• Update or change the Website to meet regulatory requirements, improve services, or align with business needs.
• Suspend or withdraw the Website, fully or partially, with reasonable notice.

6. While we strive to keep the Website available and secure, we cannot guarantee uninterrupted access or that it will always be error-free or free from bugs and viruses.

7. All intellectual property rights related to the Website, including text, images, videos, and other content, are owned by us or our licensors. You are not permitted to print, copy, or reproduce any content without our explicit prior approval.

8. The Website is provided on an "as is" basis, and we do not guarantee the accuracy, completeness, or quality of the content available. We reserve the right to suspend, withdraw, or restrict access to any part of the Website at our sole discretion, though we will make reasonable efforts to provide prior notice.

9. We may also update or modify the Website to comply with legal and regulatory requirements, improve our services, or align with business priorities. When making significant changes, we will try to give you reasonable notice.

Our Liability

10. To the fullest extent permitted by law, we expressly exclude:

•       a. Any conditions, warranties, or other terms that may otherwise be implied by law into these Terms of Use.
•       b. Any liability related to your use or inability to use the Website, whether under these Terms of Use or otherwise.

11. This limitation applies to all types of damages, including but not limited to direct, indirect, or consequential damages, loss of data, income, or profit, damage to property, and third-party claims.

12. However, nothing in these Terms of Use is intended to exclude or limit any liability that cannot legally be excluded. In particular, we do not limit your statutory consumer rights or our liability for death or personal injury caused by our negligence or that of our employees or agents.

Your Use of the Website

13. Your permission to use the Website is personal, non-transferable, and strictly for non-commercial purposes. Your use is subject to compliance with these Terms of Use, and you agree not to:

• a. Use the Website for any fraudulent, illegal, or unauthorized purposes.
• b. Engage in defamation, harassment, stalking, threats, or any activity that violates our rights or the rights of others, including privacy and publicity rights.
• c. Impersonate any individual or entity, misrepresent your affiliation, or falsely imply our endorsement of your statements.
• d. Disrupt or interfere with the Website’s operations, servers, or networks, or violate any related policies and regulations.
• e. Introduce harmful code, such as viruses, worms, or trojans, that could damage or monitor the Website’s operation.
• f. Copy, reproduce, sell, resell, or exploit any part of the Website for commercial purposes.
• g. Modify, adapt, reverse engineer, decompile, or disassemble any portion of the Website. If you require interoperability data, you must contact us for verification before any such request is considered.
• h. Remove copyright, trademark, or other proprietary notices from Website content.
• i. Frame or mirror any part of the Website without our prior written consent.
• j. Create a database by systematically storing or downloading Website content.
• k. Use automated or manual tools to collect Website content, bypass navigation structures, or replicate the Website’s layout without our prior written consent. However, public online search engine operators are granted limited permission to index Website materials solely for search purposes.

We reserve the right to revoke any exceptions granted, whether generally or in specific instances.

14. You are responsible for all access to the Website through your internet connection, even if accessed by someone else.

Links to Third-Party Websites

15. The Website may include links to external websites and online resources. We do not endorse, approve, or take responsibility for any third-party content. Your use of such external sites is entirely at your own risk.

16. We may block links to or from the Website and require you to remove any link that is deemed unfair, illegal, damaging to our reputation, or misleadingly suggests an association with us.

Termination of Access

17. These Terms of Use remain effective until terminated. We may, at our sole discretion and without prior notice, terminate your access to the Website at any time. In such cases, you will have no right to bring claims against us or our affiliates regarding the termination, and we will not be liable for any resulting consequences.

Governing Law and Jurisdiction

18. These Terms of Use are governed by the laws of Gibraltar. Any disputes or claims arising from these terms will be exclusively handled by the courts of Gibraltar.