Terms of Use

1. Introduction

These Terms of Use ("Terms") govern your access to and use of the services provided by YB Advisors Ltd., a company registered in Liechtenstein, with a registered address at Schaanerstrasse 99, Vaduz, Postal Code: 9490, registration number: FL-0002.730.986-1, 

(hereinafter referred to as "we," "our," or "YB Advisors"). By using or accessing our website or any of our services, you agree to comply with and be bound by these Terms.

The terms outlined in this document form the legal agreement between you (the "User") and YB Advisors. These Terms apply to all users of our services, whether as a business or an individual. You must not access or use our services if you do not agree to these Terms.

Acceptance of Terms

By accessing or using any of the services offered by YB Advisors, including but not limited to financial advisory, accounting, taxation consulting, and other related services, you signify your acceptance of these Terms. If you disagree with these Terms, you are not authorized to use our website or services.

We reserve the right to amend or update these Terms occasionally, and any such changes will be communicated through updates on this page. You must review these Terms periodically to stay informed about any changes. Your continued use of the services after posting any changes constitutes your acceptance of those changes.

2. Services Provided

YB Advisors Ltd. offers expert financial, accounting, and taxation advisory services to help businesses navigate complex financial and regulatory landscapes. Our services are tailored to ensure your company complies with ever-changing regulations while optimizing operations and minimizing risks.

The services we provide include:

• Implementation of Processes: We assist businesses in designing and implementing efficient accounting workflows and operational processes tailored to your specific needs, ensuring smooth and compliant financial management.
• Development of Accounting Strategies: We work with businesses to develop comprehensive accounting strategies that ensure compliance with applicable financial regulations and industry best practices, supporting long-term business growth and financial health.
• Tax Structure Consultation: Our team offers expert advice on tax structuring to optimize tax efficiency while ensuring full compliance with relevant laws and regulations. We advise businesses on structuring their tax arrangements globally, providing recommendations in collaboration with local experts when necessary.
• Bookkeeping System Setup: We establish and implement efficient and accurate bookkeeping systems to maintain up-to-date financial records. This service includes advising on preparing records for audits and regulatory reviews.
• Team Training and Education: We provide training and guidance to accounting teams to enhance their understanding of accounting systems, processes, and best practices, empowering your team to manage financial tasks efficiently.
• Reconciliation System Development: We design and implement reconciliation systems that ensure the accuracy and consistency of your financial records. Our team monitors and improves reconciliation, helping businesses address errors and inconsistencies.
• Licensing and Regulatory Support: We assist businesses with navigating regulatory requirements, including applying for licenses such as MiCA (Markets in Crypto-Assets), FCA (Financial Conduct Authority) approvals, and other industry-specific regulatory processes. We offer ongoing support to ensure compliance with evolving regulatory frameworks.

Limitations of Services

While YB Advisors Ltd. is committed to providing high-quality advisory services, please note the following limitations:

• No Tax Liability Guarantee: YB Advisors Ltd. is not responsible for any taxes your business owes. We strongly recommend that businesses consult with tax experts or legal advisors in their jurisdiction to ensure that their tax commitments are fully met and compliant with local laws.
• No Outcome Guarantee: Our services are advisory, and while we provide expert guidance, YB Advisors Ltd. does not guarantee specific financial outcomes or results. The effectiveness of our services depends on various factors, including your company’s adherence to recommended strategies and regulatory requirements.
• Jurisdictional Variability: While we provide comprehensive advisory services, we are not responsible for the specific financial regulations, tax laws, or legal requirements in any jurisdiction other than those directly relevant to our services. We encourage you to consult local experts in your jurisdiction to ensure full compliance with regional laws.
• No Auditing Services: We do not provide audit services. While we assist with preparing financial records for auditing, external audit firms are responsible for conducting audits.

3. User Responsibilities

When engaging with YB Advisors Ltd. and utilizing our financial and accounting advisory services, users (hereinafter referred to as "Clients") are required to:

1. Provide Accurate Information:

Clients must provide accurate, complete, and truthful information during any engagement with YB Advisors Ltd. This includes providing all necessary financial records, documentation, and other information required to deliver effective advisory services.

1. Comply with Legal Obligations:

The Client must comply with applicable local, national, and international laws, including tax regulations and financial reporting requirements in their respective jurisdictions.

1. Engage Qualified Local Advisors:

Clients must seek and engage qualified local advisors, including tax and legal experts, in their jurisdiction to ensure compliance with local laws and regulations. YB Advisors Ltd. provides general consultation based on international standards and does not substitute jurisdiction-specific expertise.

1. Implement Recommended Actions:

The Client is responsible for taking necessary actions to implement the recommendations and strategies provided by YB Advisors Ltd. YB Advisors will not be held liable for any issues resulting from failing to follow advised processes or procedures.

Prohibition of Misuse or Unauthorized Access

Clients must adhere to the following restrictions to ensure proper use of YB Advisors Ltd.'s services:

1. Misuse of Services:

Clients are prohibited from using YB Advisors Ltd.'s services for any unlawful, fraudulent, or unauthorized purpose. This includes misrepresenting their business information or using our services to violate financial or regulatory laws.

1. Unauthorized Access:

Clients must not attempt to gain unauthorized access to our systems, website, or any proprietary materials. Any form of data scraping, hacking, or malicious use of the website or services is strictly prohibited and will result in immediate termination of access.

1. Third-Party Misrepresentation:

Without written approval, clients may not present YB Advisors Ltd. as a guarantor, auditing firm, or representative in any legal, financial, or tax matter. Our advisory services are general and not intended to replace independent legal or tax representation.

1. Respect for Confidentiality:

Clients must respect the confidentiality of any information, tools, or resources provided by YB Advisors Ltd. Unauthorized sharing, copying, or dissemination of proprietary resources, strategies, or systems is prohibited.

By using YB Advisors Ltd.'s services, Clients agree to uphold these responsibilities and ensure the proper use of the services provided. Failure to adhere to these responsibilities may result in the suspension or termination of services and legal recourse where applicable.

4. Liabilities and Disclaimers

YB Advisors Ltd. provides advisory services designed to assist businesses in optimizing their financial and accounting processes. However, the following limitations of liability apply:

1. No Responsibility for Tax Liabilities: YB Advisors Ltd. is not responsible for calculating, filing, or paying any taxes owed by Clients. Tax compliance remains solely the Client's responsibility, and it is advised that Clients seek jurisdiction-specific tax expertise to ensure full compliance.
2. Exclusion of Indirect Damages: YB Advisors Ltd. shall not be held liable for any indirect, incidental, consequential, or punitive damages resulting from its services, including but not limited to loss of revenue, penalties, or fines due to non-compliance with financial regulations.
3. Financial Records and Data Accuracy: YB Advisors Ltd. is not liable for any errors or discrepancies in financial records, documentation, or data provided by the Client. The Client's responsible for ensuring the accuracy and completeness of all information submitted for advisory purposes.
4. Advisory Nature of Services: YB Advisors Ltd.'s services are advisory in nature and do not include auditing, certification, or direct financial reporting. Clients remain fully responsible for implementing recommended processes and strategies.

No Guarantee of Specific Outcomes or Results

While YB Advisors Ltd. strives to deliver high-quality advice tailored to each Client's needs, no guarantees are made regarding specific outcomes or financial results. The effectiveness of our recommendations depends on factors outside of our control, including Client adherence to advised strategies, regulation changes, and market conditions.

Disclaimer Regarding Reliance on Advice

YB Advisors Ltd.'s advice and recommendations are based on international standards and best practices. Clients are encouraged to treat this advice as a general framework for decision-making rather than absolute directives. YB Advisors Ltd. does not assume responsibility for decisions based solely on our recommendations without proper validation and consultation with qualified local experts.

Requirement to Consult Jurisdiction-Specific Experts

Due to the varying nature of financial, tax, and legal regulations across jurisdictions, YB Advisors Ltd. strongly advises Clients to consult local experts in their jurisdiction for:

1. Taxation Compliance: Ensuring compliance with country-specific tax regulations and commitments.
2. Legal Matters: Verifying the legal implications of financial strategies or structures YB Advisors Ltd recommends.
3. Regulatory Obligations: Addressing specific licensing or financial reporting requirements as applicable in the Client's operational region.

YB Advisors Ltd. does not substitute for local tax, legal, or compliance professionals. Clients are fully responsible for seeking appropriate jurisdiction-specific guidance to ensure compliance with regional laws.

Consultation with Experts

At YB Advisors Ltd., we provide advisory services based on international standards and best practices. However, due to the diverse and complex nature of financial, tax, and legal regulations across different jurisdictions, Clients must consult with qualified local experts to ensure compliance with region-specific requirements.

1. Specialized Tax Guidance: Tax laws and regulations vary significantly across countries and regions. While YB Advisors Ltd. provides general guidance and recommendations, Clients must engage licensed tax advisors in their operational jurisdiction to confirm and implement appropriate tax strategies.
2. Legal Compliance: Implementing financial or operational recommendations may have legal implications unique to the Client’s jurisdiction. It is the Client’s responsibility to consult local legal experts to verify the legality and compliance of any actions taken based on our advice.
3. Tailored Regional Solutions: Our advisory services are designed to address general business needs. However, clients are encouraged to seek local expertise for region-specific challenges, including but not limited to taxation, regulatory filings, and financial reporting.

Non-Liability for Jurisdictional Tax Issues

YB Advisors Ltd. explicitly disclaims any liability arising from jurisdictional tax issues, including but not limited to:

1. Incorrect Tax Filings: The Company is not responsible for errors or omissions in tax filings made by the Client or their representatives.
2. Penalties or Fines: YB Advisors Ltd. is not liable for penalties, interest, or fines incurred as a result of non-compliance with local tax laws or regulations.
3. Interpretation of Local Tax Laws: YB Advisors Ltd.'s advice is based on international best practices and is not a substitute for jurisdiction-specific tax interpretations. Clients must consult local tax professionals to validate the applicability of our recommendations.

YB Advisors Ltd. acts as a trusted partner for financial and accounting advice but emphasizes that regional complexities require the expertise of qualified local professionals. By engaging local advisors, clients can ensure full compliance with their jurisdiction’s requirements while maximizing the effectiveness of our strategic recommendations.

6. Intellectual Property

All content, materials, tools, and services provided by YB Advisors Ltd., including but not limited to reports, strategies, recommendations, training materials, and system designs, are the exclusive intellectual property of YB Advisors Ltd. unless explicitly stated otherwise.

1. Ownership Rights: YB Advisors Ltd. retains full ownership of all proprietary methodologies, templates, processes, and systems developed and shared while providing its services.
2. Non-Transferable Rights: Clients are granted limited, non-transferable rights to utilize the materials or recommendations provided by YB Advisors Ltd. solely for their internal business purposes. This does not grant any ownership or intellectual property rights to the Client beyond the scope of the engagement.

Restrictions on Usage

Clients and third parties are strictly prohibited from engaging in the following actions without prior written consent from YB Advisors Ltd.:

1. Reproduction or Distribution: Copying, reproducing, distributing, or publishing any content, reports, or materials provided by YB Advisors Ltd., in whole or in part, for any purpose beyond the Client's internal use.
2. Commercial Use: Using the intellectual property of YB Advisors Ltd. for commercial purposes, resale, or redistribution to third parties.
3. Modification or Derivation: Altering, modifying, or creating derivative works based on YB Advisors Ltd.'s proprietary content or services.
4. Unauthorized Sharing: Sharing YB Advisors Ltd.'s intellectual property with third parties, competitors, or entities unaffiliated with the Client's organization.

Enforcement of Rights

YB Advisors Ltd. reserves the right to take legal action against any unauthorized use, reproduction, or distribution of its intellectual property. Such actions are considered a breach of these terms and may result in penalties, including termination of services and claims for damages.

By utilizing the services of YB Advisors Ltd., Clients agree to respect the Company's intellectual property rights and abide by these restrictions.

7. Privacy and Data Protection

YB Advisors Ltd. is committed to safeguarding your privacy and handling data responsibly. We process all personal and business information provided to us in accordance with our Privacy Policy.

1. Data Usage: We collect and use your data solely to deliver our services effectively and securely.
2. Confidentiality: All information shared with us is treated as confidential and protected against unauthorized access.

For detailed information on how we handle your data, please refer to our Privacy Policy.

8. Amendments and Updates

YB Advisors Ltd. reserves the right to amend or update these Terms of Use to reflect service changes, regulations, or business practices.

1. Notification of Changes: Any updates to the Terms will be posted on our website, and Clients are encouraged to review them regularly.
2. Continued Use: By continuing to use our services after changes are made, Clients agree to the revised Terms.

9. Governing Law and Jurisdiction

These Terms of Use shall be governed by and construed by the laws of Liechtenstein.

1. Jurisdiction: Any disputes arising from or related to these Terms or the services provided by YB Advisors Ltd. shall fall under the exclusive jurisdiction of the courts of Liechtenstein.
2. Dispute Resolution: Before initiating any formal legal proceedings, both parties agree to make reasonable efforts to resolve disputes through good-faith negotiations. If such negotiations fail, disputes shall be submitted to the competent courts in Liechtenstein.

By using the services of YB Advisors Ltd., you agree to the application of Liechtenstein law and the jurisdiction of its courts to resolve any disputes.

10. Severability

If any provision of these Terms of Use is found invalid, unlawful, or unenforceable by a court of competent jurisdiction, such provision shall be deemed severed from the Terms. The remaining provisions shall remain valid, binding, and enforceable to the fullest extent permitted by law.

11. Contact Information

For any inquiries or concerns related to these Terms of Use, you can contact YB Advisors Ltd. through the following channels:

• Email: [email protected]
• Website: www.ybadvisors.li

Our team will be happy to assist you with your questions.