Terms and Conditions of use

INTRODUCTION

This website, accessible at [www.ancorius.com] (the « Site »), is operated by Ancorius, a private limited liability company governed by Luxembourg law (the « Company »). Access to and use of the Site are subject to these general terms and conditions (the « Terms »). By using the Site, the user (the « User ») acknowledges having read and accepted the Terms without reservation.

1. USE OF THE SITE

The content of the Site is provided for informational purposes only. It does not constitute an offer or professional advice (legal, tax, accounting, or financial). Users are solely responsible for the use of the information provided. The Company reserves the right to amend or update the Terms at any time without notice. The applicable Terms are those in force at the time of use.

2. LIMITATION OF LIABILITY

The Company endeavours to provide accurate and up-to-date information but makes no warranties as to its completeness or accuracy. The Company disclaims all liability for errors, omissions, or unavailability of the Site. The Company shall not be held liable for any direct or indirect damage resulting from the use or inability to use the Site. Hyperlinks to other websites are provided for convenience only and the Company accepts no responsibility for their content.

3. INTELLECTUAL PROPERTY

All content on the Site (text, logos, images, videos, sounds, code, etc.) is protected by intellectual property laws. Any reproduction, representation, adaptation, or distribution, in whole or in part, is strictly prohibited without the prior written consent of the Company. Any infringement may result in civil or criminal liability.

4. COOKIES AND PERSONAL DATA

This Site uses cookies for technical and statistical purposes. You may configure your browser at any time to refuse some or all cookies. In accordance with Regulation (EU) 2016/679 (“GDPR”), you have the right to access, rectify, delete, restrict, oppose the processing of your personal data, and request portability. To exercise these rights, please contact: contact@ancorius.com

5. APPLICABLE LAW AND JURISDICTION

These Terms are governed by Luxembourg law. Any dispute arising from their interpretation or the use of the Site shall fall under the exclusive jurisdiction of the courts of the Grand Duchy of Luxembourg.

Privacy policy

INTRODUCTION

Ancorius places great importance on protecting your personal data. This privacy policy aims to inform you clearly and transparently about how your data is processed through our website [www.ancorius.com].

1. DATA COLLECTED

We only collect data strictly necessary for the following purposes:

• Identification data (forms),
• Technical data (IP address, browser),
• Browsing data (cookies).

2. PURPOSES OF PROCESSING

• Responding to your inquiries,
• Ensuring proper technical functioning of the site,
• Compiling anonymous statistics,
• Complying with legal obligations.

3. LEGAL BASIS

Personal data is processed based on one or more of the following legal grounds, in accordance with the General Data Protection Regulation (GDPR):

• Consent: In many cases, we process your personal data based on your explicit consent. This applies, for example, when you fill out a contact form or sign up to receive information. You have the right to withdraw your consent at any time, without affecting the lawfulness of processing based on consent before its withdrawal.
• Contractual necessity: If you are a client or are taking steps to become one, we may need to process your personal data in order to perform our contractual obligations or to respond to pre-contractual requests initiated by you.
• Compliance with a legal obligation: We may be required to process and retain certain personal data in order to comply with applicable legal or regulatory obligations. This includes obligations related to accounting, anti-money laundering (AML), tax, and data retention requirements imposed by Luxembourg or EU law.
• Legitimate interest: In some situations, we may process your personal data to pursue our legitimate interests, such as ensuring the security and proper functioning of our website, improving our services, or maintaining business relationships. Where we rely on legitimate interest, we take care to ensure that your fundamental rights and freedoms are not adversely affected.

4. DATA RETENTION

We retain your personal data only for as long as is necessary to fulfil the purposes for which it was collected, or to comply with legal, regulatory, or contractual obligations.

• Contact data (such as your name, email address, and any messages exchanged) will be retained for a maximum period of three (3) years from the date of the last interaction, unless a longer retention period is required by law or necessary for the establishment, exercise, or defence of legal claims.
• Administrative and regulatory data (including accounting and compliance documentation) will be kept for the period required by applicable Luxembourg and EU legislation, such as tax laws or anti-money laundering obligations. This retention period may range from five (5) to ten (10) years, depending on the nature of the obligation.
• Cookies and tracking data are stored for a maximum duration of twelve (12) months unless you withdraw your consent earlier through browser settings or our cookie management interface.

When data is no longer required, we take appropriate steps to securely delete or anonymise it, in order to ensure it can no longer be associated with you.

5. COOKIES

Technical and analytics cookies are used. You can manage them via your browser and the cookie consent banner.

6. DATA RECIPIENTS

• Technical service providers,
• Authorities where required by law. No sale of data to third parties.

7. TRANSFERS OUTSIDE THE EU

Data is hosted within the EU by default. Any transfer outside the EU will be subject to appropriate safeguards in accordance with the GDPR.

8. YOUR RIGHTS

In accordance with the General Data Protection Regulation (GDPR), you have the right to access, rectify, erase, and restrict the processing of your personal data, as well as the right to data portability and to object to processing.

9. CONTACT AND COMPLAINTS

For any questions or complaints, please contact us at the address provided above. You may also file a complaint with the CNPD (www.cnpd.lu).