Terms of Service

Last updated: 1 July 2026

These Terms of Service ("Terms") govern your use of the website advanzia.ltd, operated by Advanzia Bank S.A. ("we", "us", "our"), registered at 14, rue Gabriel Lippmann, 5365 Munsbach, Luxembourg. By accessing or using this Website, you agree to these Terms.

1. Informational purpose only

Advanzia Bank S.A. is an informational resource about digital banking and payment technology. The Website does not offer, and Advanzia Bank S.A. does not provide, banking, payment, e-money, lending, investment or any other regulated financial services. No part of the Website allows you to open an account, hold funds, make a payment or purchase a paid service. Content is provided for general educational purposes only and should not be treated as financial, legal, tax or professional advice.

2. No paid services

Advanzia Bank S.A. does not sell products or services on this Website, does not process payments, and does not charge fees of any kind for access to its content. Any reference to third-party products or providers is descriptive only and does not constitute an endorsement, partnership, or recommendation.

3. Acceptable use

• You agree not to use the Website for any unlawful purpose or in a way that could damage, disable or impair it.
• You agree not to attempt to gain unauthorised access to any part of the Website, its systems, or related networks.
• You agree not to reproduce, duplicate, copy, sell or exploit any part of the Website without our prior written consent.

4. Intellectual property

Unless otherwise indicated, the text, design, layout and graphics on this Website are owned by or licensed to Advanzia Bank S.A. and are protected by copyright and other intellectual property laws. You may view and print pages for personal, non-commercial use only.

5. Third-party content and links

The Website may reference or link to third-party websites, images or services for illustrative purposes. We do not control and are not responsible for the content, accuracy, or availability of third-party sites.

6. No warranty

The Website and its content are provided "as is" and "as available" without warranties of any kind, whether express or implied. While we aim to keep information accurate and current, we do not guarantee that content is complete, error-free, or suitable for any particular purpose.

7. Limitation of liability

To the fullest extent permitted by applicable law, Advanzia Bank S.A. shall not be liable for any direct, indirect, incidental, or consequential loss or damage arising from your use of, or inability to use, the Website or reliance on any information published on it.

8. Changes to the Website and these Terms

We may update, suspend or discontinue any part of the Website, and may revise these Terms, at any time. Material changes will be reflected by an updated "Last updated" date above. Continued use of the Website after changes take effect constitutes acceptance of the revised Terms.

9. Governing law

These Terms are governed by the laws of the Grand Duchy of Luxembourg, without regard to conflict of law principles. Any dispute arising from these Terms shall be subject to the exclusive jurisdiction of the courts of Luxembourg, unless mandatory consumer protection law provides otherwise.

10. Contact

Questions about these Terms can be sent to support@advanzia.ltd or by post to 14, rue Gabriel Lippmann, 5365 Munsbach, Luxembourg.