Terms of Service

By accessing or using the services provided by Patrimonio Merchant Bankers S.A. ("Patrimonio") and AQS International Wealth Management ("AQS"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services. These terms apply to all visitors, users, and others who access or use our services, including but not limited to Lombard lending solutions, corporate asset valuation, and wealth management services.

Patrimonio Merchant Bankers, in strategic partnership with AQS International Wealth Management, provides sophisticated financial services including: - Lombard lending solutions through Luxembourg-regulated fund structures - Corporate asset valuation services - Wealth management advisory services - Access to institutional lending facilities Our services are designed for high-net-worth individuals and corporate entities seeking to unlock liquidity from their business assets.

Our services are available only to: - Individuals who are at least 18 years of age - Entities that are legally organized and in good standing - Accredited investors and qualified purchasers as defined by applicable law - Persons and entities that are not subject to sanctions or restrictions under applicable law We reserve the right to verify your eligibility and to refuse service at our discretion.

As a client of our services, you agree to: - Provide accurate and complete information in all dealings with us - Maintain the confidentiality of any account credentials or access information - Comply with all applicable laws and regulations - Notify us promptly of any changes to your information or circumstances - Not use our services for any unlawful purpose

The information and services provided are for informational purposes and do not constitute financial, legal, or tax advice. We recommend that you consult with qualified professionals before making any financial decisions. Past performance is not indicative of future results. Investments involve risk, and you may lose some or all of your principal. Loan facilities are subject to approval, and terms may vary based on individual circumstances and collateral valuation.

Patrimonio Merchant Bankers S.A. is regulated by the Commission de Surveillance du Secteur Financier (CSSF) in Luxembourg. All services are provided in compliance with applicable Luxembourg and European Union financial regulations. AQS International Wealth Management operates in accordance with the regulatory requirements of the jurisdictions in which it provides services.

We maintain strict confidentiality regarding all client information and transactions. Information will only be disclosed: - With your express consent - As required by law or regulatory authority - To professional advisors bound by confidentiality obligations - To service providers necessary for the provision of our services

To the fullest extent permitted by law, Patrimonio and AQS shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our services. Our total liability for any claims arising under these terms shall be limited to the fees paid by you for the specific service giving rise to the claim.

All content, trademarks, and intellectual property on our website and in our materials are owned by or licensed to Patrimonio Merchant Bankers S.A. and AQS International Wealth Management. You may not reproduce, distribute, or create derivative works without our express written permission.

These Terms of Service shall be governed by and construed in accordance with the laws of the Grand Duchy of Luxembourg, without regard to its conflict of law provisions. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts of Luxembourg.

We reserve the right to modify these terms at any time. Changes will be effective upon posting to our website. Your continued use of our services after any changes constitutes acceptance of the modified terms.

For questions regarding these Terms of Service, please contact us: Patrimonio Merchant Bankers S.A. Luxembourg Office Email: legal@patrimonio-mb.com