Terms and Conditions of Use

By accessing this Website and the products, services, information, tools and materials that it contains or describes (hereinafter, “the Website”), you acknowledge that you have understood and accept the following Terms and Conditions of Use.

These Terms and Conditions of Use relate only to the Website. You may be redirected to other websites, for which another legal framework and, therefore, other terms and conditions are applicable.

If you do not accept these Terms and Conditions of Use and do not intend to be bound by them, you must not use the Website and should exit it immediately.

Limited liability

The information and opinions published on the Website are assembled, checked and updated regularly with the greatest care. Despite all the care taken, OSMIA CONSULTING cannot accept any liability (including third-party claims) for the accuracy, completeness or up-to-datedness of the information and opinions conveyed.

The information and opinions found on the Website as well as the legal notices may be altered at any time and without prior notice. Information and opinions which have been published may not, therefore, be interpreted to mean that they have not changed since their publication or communication to the relevant supervisory authorities and are consequently still current. OSMIA CONSULTING therefore recommends accessing and reading this document regularly in order to be familiar with possible changes.

By accessing the Website, you agree to indemnify, defend, and hold harmless OSMIA CONSULTING, its affiliates and licensors, and the officers, employees, and agents, from and against any and all claims, liabilities, damages, losses, or expenses, including legal fees and costs, arising out of or in any way connected with your access to the Website or use of the information contained herein.

OSMIA CONSULTING declines any responsibility for any technical incident occurring (for any reason whatsoever) during the use of the Website (such as a bug or the inability for the user’s terminal to retrieve information).

Information provided via social media

Communications made by OSMIA CONSULTING via social media cannot be interpreted as a promotion for investments or financial services, such as advice or management services, whether on the Luxembourg market or on any other market. Comments, data, documents and other information shared on social media are provided for informational purposes only and may not be construed as constituting, whether in whole or in part, investment advice or investment recommendation, or an invitation, offer or solicitation to subscribe or redeem any financial instrument.

No recommendation or offer of services

The information cannot be interpreted as a promotion for investments or financial services, such as advice or management services, whether on the Luxembourg market or on any other market. Neither the Website nor its content may be interpreted as constituting, whether in whole or in part, an investment advice or an investment recommendation, or an invitation, an offer or a solicitation to purchase or redeem any financial instrument.

This information should under no circumstances be considered as constituting legal, tax or any other kind of advice.

Copyright & Intellectual Property Rights Trademarks

All material available on the Website, unless otherwise specifically indicated, is subject to copyright with all rights reserved. The material is freely usable for browsing purposes only and requires express mention of OSMIA CONSULTING in the event the material or any part thereof is reproduced in any form, written or electronic. You are not permitted, without our prior written consent, to copy, transmit, reproduce, publish, display, distribute, store, modify or adapt this website, its contents or underlying software, except for personal non-commercial use. Additionally, any re-publication of this material requires the express consent of OSMIA CONSULTING. Links to the site or use for any public or commercial purpose are subject to OSMIA CONSULTING’s prior written permission.

Links to other websites

Links or pointers to third party websites on the Website are provided solely as a convenience to you. If you use these links, you will leave the Website. OSMIA CONSULTING has not reviewed these third party websites, does not control them and is not responsible for any of these websites or their content. If you decide to access any of the third party websites linked to the Website, you do so entirely at your own risk.

Computer viruses (viruses, malware, spyware)

OSMIA CONSULTING denies all liability for manipulations to the internet user’s EDP/IT system by unauthorized parties. OSMIA CONSULTING expressly points out the danger of viruses, so-called malware and spyware, and the possibility of targeted hacking attacks. The use of current browser versions as well as the installation of continuously updated anti-virus software is recommended for combating viruses. E-mails of unknown origin as well as e-mails with unexpected attachments should principally not be opened.

Use of e-mails

OSMIA CONSULTING allows users to contact ourselves by email. This functionality is not secure. It is not recommended to send sensitive information by this method.

OSMIA CONSULTING will not accept liability for any loss or damage that may result through such emails being intercepted by third parties.

Jurisdiction

These Terms and Conditions of Use and your use of the Website shall be governed by and construed in accordance with Luxembourg law. By using the Website you accept that any dispute under these Terms and Conditions of Use or arising out of use of the Website shall be subject to the exclusive jurisdiction of the Luxembourg courts to which you submit. You are responsible for compliance with any applicable laws of the country from which you are accessing the Website.

Severability clause

If for any reason any part of these Terms and Conditions of Use is deemed to be unenforceable, then the validity of the remaining part shall not be affected.

At Osmia Consulting, we provide tailored solutions in governance, regulatory compliance, risk management, and project execution for the financial sector in Luxembourg. Our expert team ensures efficiency, regulatory confidence, and seamless operations—without the burden of additional recruitment or complex in-house management.