1. General

These terms and conditions apply to all services provided by NorthseaFinance B.V., located in Amsterdam, Netherlands (Chamber of Commerce: 82345678, AFM license: 12345678).

2. Definitions

• Service Provider: NorthseaFinance B.V.
• Client: Natural person using our services
• Services: All financial services such as investment advice and portfolio management
• Platform: Our online website and applications

3. Applicability

These terms apply to all agreements between NorthseaFinance and clients. Deviating terms are only valid if agreed in writing.

4. Service provision

4.1 Investment services

We provide investment services under supervision of the AFM. All services are provided in accordance with the Financial Supervision Act (Wft).

4.2 Suitability assessment

For providing investment advice, we conduct a suitability assessment in accordance with MiFID II regulations.

5. Risks

Investing involves risks. The value of your investments can fluctuate. We explicitly point out the following risks:

• Price risk: Value changes in investments
• Credit risk: Default of counterparties
• Liquidity risk: Possible inability to sell
• Market risk: General market movements
• Technology risk: Specific to crypto investments

6. Costs and fees

All costs are communicated transparently in accordance with AFM guidelines. A complete overview can be found in our cost overview.

7. Client obligations

The client undertakes to:

• Provide accurate and complete information
• Timely payment of amounts due
• Compliance with platform rules and conditions
• Report changes in personal circumstances

8. Intellectual property

All intellectual property rights to the platform and content belong to NorthseaFinance or our licensors.

9. Liability

Our liability is limited to the amount paid out under our professional liability insurance, with a maximum of €2,500,000 per event.

10. Privacy and data protection

For the processing of personal data, we refer to our privacy policy, which forms part of these terms.

11. Complaints

Complaints can be submitted to:

• Our internal complaints committee
• The Financial Services Complaints Institute (KiFiD)
• The Netherlands Authority for the Financial Markets (AFM)

12. Termination

The agreement can be terminated by both parties subject to a notice period of 1 month.

13. Applicable law

Dutch law applies to this agreement. Disputes will be submitted to the competent court in Amsterdam.

14. Contact

NorthseaFinance B.V.
P.O. Box 1234
1000 AB Amsterdam
Netherlands
Email: info@northseafinance.com
Phone: +31 (0)20 123 4567