By accessing and using the services provided by Coho Invest ("Company", "we", "us", or "our"), you ("Client", "you", or "your") agree to be bound by these Terms of Service ("Terms"). These Terms apply to all visitors, users, and clients of our consulting services.

If you disagree with any part of these terms, then you may not access our services. These Terms constitute the entire agreement between you and Coho Invest regarding the use of our services.

Coho Invest provides professional financial consulting services including but not limited to:

• Financial planning and advisory services
• Regulatory compliance consulting (Solvency II, Basel III, PSD2, MiCA, GDPR)
• Risk management and assessment
• AI solutions and process automation
• MVP development and technical consulting
• FinTech licensing and compliance guidance
• Real estate investment advisory

All services are provided in accordance with applicable Czech Republic and European Union regulations.

Coho Invest maintains professional indemnity insurance and operates under the regulatory framework of the Czech Republic. Our team holds relevant qualifications in:

• Financial services regulation and compliance
• Risk management and assessment methodologies
• European regulatory frameworks (EU directives and regulations)
• Technology implementation and AI solutions
• Project management and business development

As a client, you agree to:

• Provide accurate, complete, and timely information necessary for service delivery
• Cooperate with our team and respond to requests within reasonable timeframes
• Maintain confidentiality of proprietary methodologies and intellectual property
• Pay all fees according to the agreed payment schedule
• Comply with all applicable laws and regulations in your jurisdiction
• Use our services only for lawful business purposes

Failure to meet these obligations may result in service delays, additional costs, or termination of services.

Payment terms are specified in individual service agreements. General terms include:

• Payment Schedule: As agreed in the service contract (typically 50% upfront, 50% on completion)
• Currency: All fees are quoted and payable in EUR unless otherwise specified
• Payment Methods: Bank transfer, corporate credit cards, or other agreed methods
• Late Payments: Interest of 1.5% per month may be charged on overdue amounts
• Expenses: Reasonable out-of-pocket expenses may be charged separately
• Taxes: All fees are exclusive of applicable taxes (VAT, etc.)

Disputed invoices must be raised within 30 days of invoice date. Undisputed portions remain payable.

Both parties acknowledge that confidential information may be disclosed during the engagement:

• All client information is treated as strictly confidential
• We implement appropriate technical and organizational security measures
• Personal data is processed only as necessary for service delivery
• Data retention periods comply with legal requirements and business needs
• Clients have rights under GDPR including access, rectification, and erasure
• Data breaches are reported within 72 hours as required by law

For detailed information about data processing, please refer to our Privacy Policy and GDPR Compliance page.

Intellectual property rights are allocated as follows:

• Pre-existing IP: Each party retains ownership of their pre-existing intellectual property
• Methodologies: Our proprietary consulting methodologies remain our intellectual property
• Deliverables: Client-specific deliverables and reports become client property upon full payment
• Know-how: General knowledge and experience gained during engagement may be retained
• Third-party IP: Any third-party intellectual property is subject to separate licensing terms

Neither party may use the other's intellectual property without explicit written consent.

To the maximum extent permitted by law:

• Our total liability is limited to the fees paid for the specific engagement
• We exclude liability for indirect, consequential, or special damages
• We exclude liability for loss of profits, revenue, or business opportunities
• Professional indemnity insurance provides additional protection up to €2,000,000 per claim
• Claims must be brought within 12 months of the alleged breach
• Force majeure events (including pandemics, natural disasters) exclude liability

This limitation does not apply to death, personal injury, fraud, or other liabilities that cannot be excluded by law.

Important disclaimers regarding our financial consulting services:

• We provide consulting and advisory services, not investment management
• Our advice is based on information provided and general market conditions
• Past performance does not guarantee future results
• All investments carry risk of loss, including total loss of capital
• Clients should seek independent financial advice before making investment decisions
• Regulatory compliance advice is based on current regulations which may change
• We are not licensed to provide investment advice in all jurisdictions

Clients remain solely responsible for their business and investment decisions.

Either party may terminate the engagement under the following conditions:

• For Convenience: 30 days written notice (fees due for work completed)
• For Cause: Immediate termination for material breach, non-payment, or illegal activity
• Insolvency: Automatic termination if either party becomes insolvent
• Force Majeure: Extended force majeure events (>90 days) allow termination

Upon termination:

• All outstanding fees become immediately due and payable
• Each party returns or destroys confidential information
• Completed deliverables are provided to the client
• Confidentiality obligations survive termination

Neither party shall be liable for delays or failures in performance due to circumstances beyond their reasonable control, including:

• Natural disasters, pandemics, or public health emergencies
• War, terrorism, civil unrest, or government actions
• Cyber attacks, system failures, or telecommunications outages
• Labor strikes, supplier failures, or transportation disruptions
• Changes in law or regulation that prevent performance

The affected party must promptly notify the other party and use reasonable efforts to minimize delays.

These Terms are governed by the laws of the Czech Republic. Key provisions:

• Governing Law: Czech Republic law applies to all aspects of this agreement
• Jurisdiction: Prague courts have exclusive jurisdiction for disputes
• Language: Czech language version prevails in case of translation disputes
• EU Law: Applicable EU regulations and directives also apply
• Mediation: Parties agree to attempt mediation before litigation

If any provision is found unenforceable, the remainder of these Terms remains in full force.

We reserve the right to modify these Terms at any time:

• Changes will be posted on our website with the effective date
• Existing engagements continue under the original terms unless mutually agreed
• New engagements will be subject to the current terms
• Material changes will be communicated directly to active clients
• Continued use of services constitutes acceptance of modified terms

We recommend reviewing these Terms periodically for any updates.