DISCLOSURE, DISCLAIMER AND TERMS OF USE

This page sets out important information regarding this website, including legal disclosures, disclaimers, and the terms governing access to, use of, and reliance on this website.
By accessing, browsing, viewing, or otherwise using this website, you acknowledge that you have read and accepted this page. If you do not agree, you must not use this website.

1. Operator and purpose of this website
This website is made available by NORVSTONE for general informational purposes only.
The content on this website is intended solely to provide a general, high-level overview of NORVSTONE and of matters, themes, sectors, capabilities, perspectives, or activities with which NORVSTONE may be associated, concerned, interested, or involved from time to time. The content is not comprehensive and may be amended, updated, restricted, suspended, withdrawn, or removed at any time without notice.
Nothing on this website constitutes or shall be interpreted as a representation that NORVSTONE is currently or actively carrying on any particular regulated, advisory, commercial, professional, or other activity in any jurisdiction, that any service, capability, engagement, mandate, transaction, or opportunity is currently available, or that NORVSTONE is willing or able to accept instructions, clients, counterparties, or engagements.

2. No advice
Nothing on this website constitutes, or should be construed as, investment, legal, tax, accounting, regulatory, financial, strategic, commercial, operational, or other professional advice.
Nothing on this website is intended to form the basis of any decision, transaction, course of action, or omission. You must not act or refrain from acting on the basis of this website or any content on it. You should obtain advice from appropriately qualified professional advisers in light of your particular circumstances.

3. No offer or solicitation
Nothing on this website constitutes, or is intended to constitute, any offer, invitation, solicitation, recommendation, endorsement, approval, inducement, or arrangement to buy, sell, subscribe for, underwrite, place, distribute, structure, finance, invest in, or otherwise deal in any security, financial instrument, investment, asset, transaction, product, or service.
Nothing on this website constitutes, or is intended to constitute, any offer to enter into any advisory, consulting, fiduciary, agency, partnership, joint venture, intermediary, employment, contractor, retainer, or other commercial or professional relationship.
Any engagement with NORVSTONE is subject to separate review and, where applicable, the execution of specific written terms signed by an authorised representative of NORVSTONE.

4. No client, advisory, fiduciary, or contractual relationship
Access to or use of this website, including any communication sent through this website or through any contact details published on it, does not create and shall not be relied upon as creating any client, advisory, fiduciary, professional, contractual, agency, partnership, employment, joint venture, intermediary, retainer, or other relationship of any kind with NORVSTONE.
No such relationship arises unless and until expressly confirmed in a separate written agreement signed by an authorised representative of NORVSTONE.

5. Accuracy, completeness, availability, and no warranties
NORVSTONE makes no representation, warranty, undertaking, or assurance, express or implied, that this website or any content on it is accurate, complete, current, reliable, suitable, lawful, available, accessible, secure, compatible, merchantable, fit for a particular purpose, non-infringing, error-free, uninterrupted, or free from omission, defect, malicious code, or harmful component.
This website and its content are made available on an “as is” and “as available” basis, without warranties of any kind to the fullest extent permitted by applicable law.
Content may be incomplete, simplified, selective, summary in nature, out of date, or superseded. NORVSTONE is under no obligation to update, revise, complete, or correct any content and may do so, or decline to do so, at any time without notice.

6. Forward-looking, opinion-based, illustrative, and interpretative content
This website may contain statements or material that are opinion-based, selective, illustrative, subjective, summary in nature, forward-looking, hypothetical, aspirational, indicative, or inherently open to interpretation.
Any such material reflects judgment only as of the relevant time and may change without notice. NORVSTONE does not undertake any duty or obligation to update, revise, correct, or reconcile any such material.

7. Third-party content and external links
This website may contain references or links to third-party websites, materials, content, platforms, software, publications, or resources for convenience only.
NORVSTONE does not control, monitor, endorse, approve, verify, sponsor, adopt, or accept responsibility for any third-party website, content, or resource, including its content, accuracy, completeness, legality, security, availability, functionality, privacy practices, terms, or reliability.
The inclusion of any reference or link does not imply affiliation, approval, endorsement, validation, recommendation, or verification by NORVSTONE.
Any access to or use of a third-party website or resource is entirely at your own risk.

8. Availability, security, and technical risk
NORVSTONE does not warrant or represent that this website will be continuously available, uninterrupted, timely, secure, stable, compatible with any device, system, browser, or software, or free from virus, malware, harmful code, cyberattack, interception, intrusion, data loss, corruption, delay, defect, or other technical problem or vulnerability.
You are solely responsible for implementing appropriate safeguards, security controls, virus protection, backups, and compatibility measures when accessing, using, or downloading from this website.
Use of this website, and any downloading, transmission, or submission of data or material through it, is at your sole risk.
NORVSTONE is under no general obligation to monitor this website for misuse, intrusion, malicious activity, or technical defects, although it may do so at its discretion.

9. Permitted use
You may use this website only for lawful purposes and only in a manner consistent with these terms.
You must not:
• use this website in any unlawful, misleading, deceptive, fraudulent, abusive, harmful, defamatory, infringing, or improper manner;
• attempt to gain unauthorised access to the website, any server, database, account, infrastructure, related system, or connected network;
• interfere with, damage, disable, overburden, probe, scan, test, or disrupt the integrity, availability, security, or performance of the website;
• copy, scrape, harvest, crawl, reproduce, republish, frame, mirror, index, benchmark, mine, extract, compile, or otherwise exploit content or data from this website without prior written permission, except to the extent mandatorily permitted by applicable law;
• use any automated means, including bots, crawlers, spiders, scripts, or data-mining tools, to access, monitor, copy, interact with, or collect material from this website without prior written permission;
• use this website or its content in any way that creates or may create a false or misleading impression of association, endorsement, sponsorship, authorship, approval, validation, ownership, or control by NORVSTONE; or
• misuse NORVSTONE’s name, branding, logos, design, content, or identity.

10. Intellectual property
Unless otherwise stated, this website and all content on it, including text, branding, names, logos, graphics, design, layout, look and feel, compilations, downloadable materials, and other elements, are owned by NORVSTONE or used with permission and are protected by applicable intellectual property and related rights laws.
All rights are reserved.
You may view this website and print or download limited extracts for your personal, non-commercial, and informational use only, provided that you do not remove proprietary notices, alter the content, or present it out of context.
No licence, right, title, interest, assignment, transfer, consent, or other permission is granted or shall be implied by access to or use of this website except as expressly stated in this page. Any other use requires prior written consent from NORVSTONE.

11. Communications, confidentiality, and unsolicited submissions
Communications sent through this website, including through any contact form or any email address or other contact detail published on this website, are not secure and should not be treated as secure, confidential, privileged, protected, or proprietary.
You must not send any sensitive, confidential, proprietary, regulated, inside, personal, business-critical, or legally privileged information or material through this website or through unsolicited initial contact unless and until NORVSTONE has expressly agreed in writing to appropriate handling arrangements.
NORVSTONE is under no obligation to review, acknowledge, accept, respond to, protect, return, store, delete, or refrain from using unsolicited communications or materials, subject always to applicable law and any separately agreed written obligation.
Receipt of any communication or material does not create any duty of confidentiality, exclusivity, conflict checking, safekeeping, retention, professional responsibility, fiduciary duty, or other obligation of any kind unless expressly agreed in writing in advance by an authorised representative of NORVSTONE.
NORVSTONE may delete, disregard, archive, retain, or refrain from acting on any unsolicited communication or material in its discretion.

12. Limitation of liability
To the fullest extent permitted by applicable law, NORVSTONE disclaims all liability and shall have no responsibility for any loss, damage, liability, claim, cost, charge, penalty, expense, or consequence of any kind, whether direct, indirect, incidental, consequential, special, punitive, exemplary, statutory, regulatory, economic, financial, reputational, or otherwise, and whether arising in contract, tort, negligence, breach of statutory duty, misrepresentation, restitution, equity, or otherwise, arising out of or in connection with:
• access to, use of, inability to use, unavailability of, or reliance on this website or any content on it;
• any error, omission, inaccuracy, incompleteness, ambiguity, or outdated content on this website;
• any interruption, delay, defect, incompatibility, malfunction, cyber incident, interception, intrusion, data loss, corruption, or technical failure affecting this website;
• any third-party website, content, software, platform, or resource linked to, referenced on, or accessed through this website; or
• any transmission, submission, communication, or data sent to, from, or through this website, including any unauthorised access to, misuse of, interception of, or alteration of such transmission, submission, communication, or data.
To the fullest extent permitted by applicable law, NORVSTONE shall not be liable for any decision taken, or not taken, or any action taken, or not taken, in reliance on this website or any content made available through it.
Nothing in this page excludes or limits any liability or obligation to the extent that such exclusion or limitation is prohibited by applicable law.

13. Indemnity
To the fullest extent permitted by applicable law, you agree to indemnify, defend, and hold harmless NORVSTONE from and against any claim, demand, action, proceeding, loss, damage, liability, cost, or expense, including reasonable legal and professional fees, arising out of or in connection with your breach of these terms, your misuse of this website, your violation of applicable law, or your infringement of any right of any person.

14. Regulatory and jurisdictional matters
This website is not directed at, and should not be relied upon by, any person in any jurisdiction where its publication, access, availability, or use would be contrary to applicable law or regulation.
It is your responsibility to ensure that your access to and use of this website is lawful in your jurisdiction.
Unless expressly stated otherwise in writing, NORVSTONE makes no representation that any content, reference, theme, or potential service referred to on this website is appropriate for, available in, or compliant with the legal or regulatory requirements of any particular jurisdiction.

15. Privacy and cookies
The processing of personal data in connection with this website is addressed separately in the Privacy Notice.
Information regarding cookies and similar technologies, including available choices where applicable, is addressed separately through the relevant cookie information and management tools made available on this website.

16. Changes to this page
NORVSTONE may amend, update, replace, suspend, restrict, or withdraw this page, this website, or any part of either of them, at any time and without notice.
The version published on this website from time to time will apply from the date of publication.
Continued access to or use of this website after any such update constitutes acceptance of the then-current version.

17. Suspension and termination of access
NORVSTONE may, at any time and without notice, restrict, suspend, block, or terminate access to all or any part of this website for any legal, regulatory, security, technical, operational, reputational, or misuse-related reason.

18. Severability, interpretation, and no waiver
If any provision of this page is held to be invalid, unlawful, or unenforceable, that provision shall be enforced to the maximum extent permitted, and the remaining provisions shall remain in full force and effect.
Any failure, delay, or partial exercise by NORVSTONE of any right or remedy shall not operate as a waiver of that or any other right or remedy.
Headings are for convenience only and do not affect interpretation.

19. Contact
For any question regarding this Privacy Notice or the way NORVSTONE processes personal data, please contact NORVSTONE using the contact details or contact form vailable on this website.

Last update: 05 January 2026