Terms and Conditions

Last updated: November 11, 2025

These Terms and Conditions constitute a legally binding agreement between you and FiscalWise. By accessing our website or engaging our services, you acknowledge that you have read, understood, and agree to be bound by these terms.

This agreement governs your relationship with FiscalWise and establishes the rights, responsibilities, and obligations of both parties. It is important to review these terms carefully, as they contain provisions that limit our liability and require you to resolve disputes through specific procedures.

If you do not agree with any provision of these Terms and Conditions, you should discontinue use of our website and services immediately. Your continued use constitutes acceptance of these terms as they may be modified from time to time.

User Obligations and Responsibilities

Compliance with Laws and Regulations

You agree to:

1. Comply with all applicable local, national, and international laws and regulations when using our services
2. Ensure that all information provided to us is accurate, complete, and truthful
3. Maintain compliance with Cyprus tax laws and accounting regulations applicable to your business
4. Notify us promptly of any changes to your business structure or circumstances that may affect our services

Prohibited Activities

You shall not:

1. Engage in any fraudulent, deceptive, or illegal activities through our services
2. Provide false or misleading information in financial records or communications
3. Use our services to facilitate money laundering, tax evasion, or other financial crimes
4. Attempt to circumvent security measures or access unauthorized areas of our systems
5. Interfere with or disrupt the integrity or performance of our services
6. Reproduce, distribute, or commercialize our content without written permission

Content Guidelines

When providing content or information:

• Ensure all submitted documents and data are accurate and properly formatted
• Do not include confidential information of third parties without proper authorization
• Maintain appropriate records and documentation as required by applicable regulations
• Respect intellectual property rights of others in all materials provided

Indemnification

You agree to indemnify, defend, and hold harmless FiscalWise, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, costs, or expenses arising from your violation of these Terms and Conditions, misuse of our services, or breach of applicable laws and regulations.

Liability Disclaimers and Warranties

Disclaimer of Warranties

Our services are provided on an "as is" and "as available" basis. To the fullest extent permitted by applicable law, FiscalWise disclaims all warranties, express or implied, including but not limited to:

• Implied warranties of merchantability and fitness for a particular purpose
• Warranties regarding accuracy, reliability, or completeness of information
• Warranties of uninterrupted or error-free service
• Warranties that defects will be corrected

While we strive to provide accurate and reliable services, we cannot guarantee specific outcomes or results from using our accounting services.

Limitation of Liability

To the maximum extent permitted by applicable law, FiscalWise shall not be liable for:

1. Any indirect, incidental, special, consequential, or punitive damages
2. Loss of profits, revenue, data, or business opportunities
3. Damages resulting from unauthorized access to or alteration of your data
4. Damages arising from reliance on information obtained through our services
5. Damages caused by errors, omissions, or inaccuracies in content

Our total liability for any claims arising from or related to our services shall not exceed the amount paid by you for the specific service giving rise to the claim during the twelve months preceding the claim.

Exclusion of Consequential Damages

In no event shall FiscalWise be liable for any consequential, indirect, exemplary, incidental, or punitive damages, including lost profits, even if we have been advised of the possibility of such damages. Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so these limitations may not apply to you.

Force Majeure

FiscalWise shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, labor disputes, government actions, or failures of internet or telecommunications infrastructure.

Legal Provisions and Dispute Resolution

Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of Cyprus, without regard to its conflict of law provisions. Any legal action or proceeding arising under these terms shall be brought exclusively in the courts located in Nicosia, Cyprus.

Dispute Resolution Procedures

In the event of any dispute arising from these Terms and Conditions or our services:

1. The parties shall first attempt to resolve the dispute through good faith negotiations
2. If negotiations fail within 30 days, either party may initiate mediation proceedings
3. Should mediation not resolve the dispute, the matter may proceed to binding arbitration or litigation in Cyprus courts

Jurisdiction

You consent to the personal jurisdiction of the courts located in Nicosia, Cyprus for any actions for which the parties retain the right to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of a party's copyrights, trademarks, trade secrets, patents, or other intellectual property rights.

Severability Clause

If any provision of these Terms and Conditions is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable. If modification is not possible, the provision shall be severed from these terms. The remaining provisions shall continue in full force and effect.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any service agreements, constitute the entire agreement between you and FiscalWise regarding use of our services and supersede all prior or contemporaneous understandings and agreements, whether written or oral, regarding such subject matter.

Waiver

No waiver of any term or condition of these Terms and Conditions shall be deemed a further or continuing waiver of such term or any other term. Our failure to assert any right or provision under these terms shall not constitute a waiver of such right or provision.

Modifications to Terms

Terms Modification Policy

FiscalWise reserves the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to our website. We will update the "Last updated" date at the top of this document to reflect the most recent revision.

Notification of Changes

For significant changes that materially affect your rights or obligations, we will make reasonable efforts to provide notice through email or prominent posting on our website. Your continued use of our services after such modifications constitutes acceptance of the updated terms.

Review Responsibility

It is your responsibility to review these Terms and Conditions periodically. We recommend checking this page regularly to stay informed of any updates or changes that may affect your use of our services.

Questions and Contact Information

If you have questions or concerns about these Terms and Conditions, or if you need clarification on any provision, please contact us through the information provided on our Contact page.

We are committed to addressing your inquiries and ensuring you understand your rights and obligations under this agreement.