FinWatch Schweizer Compliance Plattform

INTRODUCTION AND SERVICE OVERVIEW

This website and the FinWatch services ("Services") are operated by Crovax Capital LLC ("we," "our," or "us"), a limited liability company incorporated under Swiss law with its registered office at Chapfstrasse 102, 8126 Zumikon, Switzerland, and registered in the Swiss Commercial Register under number CHE-309.490.623. FinWatch is an AI-powered compliance tool designed to help financial institutions navigate FINMA regulations and compliance requirements. By accessing or using our Services, you agree to be bound by this disclaimer and all terms contained herein.

NO FINANCIAL OR LEGAL ADVICE

The information provided through the FinWatch platform and related online activities, including but not limited to regulatory insights, compliance recommendations, AI-generated analyses, and related materials, does not constitute financial, legal, or professional advice. Our Services are designed to be informational and assistive tools only. Users should seek independent, qualified professional advice tailored to their specific circumstances before making any compliance, regulatory, or business decisions.

AI TECHNOLOGY DISCLOSURE

Our Services utilize artificial intelligence and machine learning technologies to analyze regulatory text, identify compliance requirements, and generate insights. While we strive to ensure the accuracy and reliability of our AI systems, users acknowledge that:

1. AI-generated content may contain inaccuracies or misinterpretations of complex regulatory language

2. The platform incorporates both AI-generated elements and human expertise

3. All final compliance decisions remain the responsibility of the user

4. AI models evolve based on various inputs but always maintain human oversight

INFORMATION ACCURACY

We make reasonable efforts to ensure that information presented through FinWatch is sourced from reliable providers and official regulatory sources. However, we make no warranties or representations regarding the accuracy, reliability, completeness, or timeliness of this information. Regulatory environments change rapidly, and while our system attempts to incorporate updates promptly, there may be delays between regulatory changes and platform updates. All content is provided for informational purposes only and is subject to change without prior notice.

LIMITATION OF LIABILITY

To the fullest extent permitted by Swiss law and applicable international law, Crovax Capital LLC, its affiliates, officers, directors, employees, and representatives shall not be liable for any direct, indirect, special, incidental, consequential, or punitive damages, including but not limited to financial losses, regulatory penalties, or business interruptions, arising from:

1. The use of or inability to use our Services

2. Reliance on information provided through the platform

3. Errors or inaccuracies in AI-generated analyses or recommendations

4. System downtime or technical limitations

5. Regulatory changes not yet reflected in the platform

6. Any compliance decisions based on platform insights

This limitation applies regardless of whether Crovax Capital LLC has been advised of the possibility of such damages and to all claims, including those based on negligence or other torts.

SWISS REGULATORY CONTEXT

Our Services are primarily designed with Swiss financial regulations in mind. While we may provide information about international regulations, our core expertise centers on FINMA compliance. Non-Swiss users should consult with local legal and regulatory experts to ensure compliance with their jurisdiction-specific requirements. The regulatory landscape varies significantly between jurisdictions, and cross-border compliance requires specialized expertise.

DATA PRIVACY AND SECURITY

Users of FinWatch acknowledge that their interactions with our platform, including uploaded documents, queries, and user data, may be processed by our AI systems in accordance with the Swiss Federal Act on Data Protection and applicable European regulations. For comprehensive information on how we collect, use, share, and protect your data, please refer to our Privacy Policy. All affiliated entities and projects within our corporate family may have access to certain data as permitted by law and our Privacy Policy.

INTELLECTUAL PROPERTY

All content on this platform, including but not limited to AI algorithms, software, text, graphics, user interfaces, and proprietary compliance methodologies, is the property of Crovax Capital LLC and is protected by Swiss and international intellectual property laws. Unauthorized use, reproduction, or distribution of platform content is strictly prohibited.

THIRD-PARTY CONTENT AND LINKS

Our platform may include references to or links to third-party websites, regulatory bodies, or other resources. We do not endorse, control, or assume responsibility for the content, policies, or practices of these third parties. Any reliance on third-party content is at the user's own risk.

INVESTMENT DISCLAIMER

If FinWatch provides any information related to investments or financial markets, users acknowledge that:

1. Past performance is not indicative of future results

2. Investments involve risk, including potential loss of principal

3. Market conditions change rapidly and unpredictably

4. Regulatory compliance does not guarantee investment success

5. The platform is not a substitute for qualified investment advice

AMENDMENTS TO TERMS

We reserve the right to modify this disclaimer at any time without prior notice. Continued use of our Services following any modifications constitutes acceptance of the amended terms. It is the user's responsibility to review this disclaimer periodically for changes.