1. Purpose of the Website

The website www.owl-group.com is intended to provide general information about OWL Group’s services, expertise, and activities. The content is for informational purposes only and does not constitute professional, legal, or financial advice.

2. Intellectual Property

All content on this website – including texts, logos, graphics, images, videos, files, and layout – is the exclusive property of OWL Group or its licensors and is protected by applicable intellectual property laws.

You may browse, download, or print portions of the website for personal or professional use only. Any other use (reproduction, modification, distribution, etc.) without prior written consent from OWL Group is strictly prohibited.

3. Use of the Website

You agree to use this website:

• Only for lawful purposes

• Without introducing malicious software, viruses, or harmful content

• Without attempting to gain unauthorized access to the website or its servers

• Without impairing or disrupting its functionality or security

Fidence reserves the right to restrict or suspend access to users who violate these terms or misuse the website.

4. Accuracy of Information

While we strive to provide up-to-date and accurate information, OWL Group makes no warranties or representations regarding the completeness, reliability, or accuracy of the content on the website. We reserve the right to modify or update the information at any time without prior notice.

5. Liability Disclaimer

OWL Group shall not be held liable for any direct, indirect, or consequential damages resulting from:

• Access to or use of the website

• Inability to access the website

• Reliance on any content published on the website

• Errors, interruptions, technical issues, or malware

Use of the website is at your own risk.

6. Links to Third-Party Websites

This website may contain links to third-party websites or resources. These links are provided solely for convenience and do not imply endorsement or responsibility by OWL Group for the content or use of such websites.

7. Data Protection and Privacy

Your use of this website is also subject to our Privacy Policy, which explains how we collect and process your personal data in compliance with the GDPR.

8. Cookies

We use cookies and similar technologies to improve your browsing experience. By using this website, you consent to our use of cookies as described in our Cookie Policy.

9. Governing Law and Jurisdiction

These Terms and Conditions are governed by and construed in accordance with the laws of the Grand Duchy of Luxembourg. Any disputes arising from the use of this website shall fall under the exclusive jurisdiction of the courts of Luxembourg.

10. Modifications to the Terms

OWL Group may revise these Terms and Conditions at any time. Changes will take effect upon publication on this page. Users are encouraged to consult this page regularly.

11. Contact

For any questions related to these Terms and Conditions, please contact us at:

legal@owl-group.com

OWL Group – Luxembourg Headquarters

54, Rue Charles Martel

L-2134 Luxembourg

LUXEMBOURG