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Website Terms and Conditions

17 July 2023

Welcome to, also accessible via the domain names and (hereinafter the "Website"). This Website has been built by the author presented on this page (“we”, “us”, “our”, “ours”, and "the author of this Website"). This document states the Terms and Conditions (the "Terms") under which you may use the Website and the content it provides, including but not limited to text, reports, images, logos, graphics, layout, databases or code (the "Content"). By accessing, browsing and using this Website, the visitor/reader/user of this Website (“you”, “your”, and “yours”) confirms it has attained the Luxembourg age of majority (at least 18 years old), and acknowledges its understanding and acceptance of these Terms.

1. Purpose and Use. The Website and all its Content are intended solely for informational purposes. The Content available on this Website should not be interpreted, construed, or used as legal, financial, tax or investment consultation, counseling, advice for any particular facts, situations or circumstances. No Content as any legal service exclusively provided by avocats (lawyers) in Luxembourg as per the provisions of the amended Luxembourg Law of 10 August 1991 on the Lawyers Profession (“Loi du 10 août 1991 sur la profession d’avocat”).

2. Limitations. The opinions, views, and information expressed on this Website reflect our personal understanding of legal aspects of MiCA and related Regulations, crypto-assets, and CASP at a particular moment in time. They may not necessarily be accurate or up-to-date, may not be adequate for or applicable to your jurisdiction, may require completion or a more comprehensive analysis, might apply differently or with nuances to a specific situation, or may not even apply at all to that situation. You are solely responsible for your use of the opinions, views, and information expressed on this Website. We disclaim all warranty, responsibility and liability, express or implied, indirect or for any indirect, incidental, special, exemplary, or consequential for any damages, arising from the use, the inability to use or any reliance placed on this Website or its Content.

3. No Substitute for Legal Advice. The opinions, views, and information expressed on this Website are not a substitute for professional legal advice tailored to specific circumstances or situations. You should not act or refrain from acting on the basis of any Content included in this Website. You are highly recommended to consult your lawyer to analyse and evaluate your particular legal situation. If you do not have a lawyer, the author of this Website would be pleased to assist you (please read the paragraph hereunder).

4. Request for Assistance. If you intend to establish your CASP or FinTech firm, have legal concerns, or want to develop a specific FinTech solution, you may use the contact form available on this Website, briefly outlining your queries.

5. Third-Party Content. This Website may link to third-party websites. These links are provided solely for your convenience. We do not necessarily endorse, approve, certify, or control any third-party websites, their content, or their privacy practices. We do not assume any responsibility for the accuracy, completeness, or timeliness of the information located on such websites.

6. Intellectual Property Rights. Unless otherwise indicated, this Website and all its Content, including but not limited to text, reports, images, logos, graphics, layout, databases or code is the property of the author of this Website and is protected by copyright, trademarks, database and other intellectual property rights. No Content may be copied, reproduced, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted or distributed in any way to any other computer, server, website or other medium for publication or distribution or for any purpose, without our express prior written consent. Unauthorised use of this Website or of its Content may give rise to a claim for damages and/or be a criminal offense. By using this Website, you agree to respect all our intellectual property rights and to refrain from any unauthorised use of the Content.

7. Disclaimer of Warranties*. You expressly understand and agree that to the extent permitted under the applicable law, your use of the Website is at your sole risk and the Website is provided on an “as is” and “as available basis", with all faults. The author of this Website expressly disclaims all warranties, representations, and conditions of any kind, whether express or implied, related to the Website, including but not limited to, the implied terms, warranties, or conditions of merchantability, satisfactory quality, fitness for a particular purpose and non-infringement.

8. Changes to Terms. We reserve the right to change these Terms at any time. Any such changes will be published in this Website page and will take effect immediatly after their publication. If you have subscribed to our Newsletter, you will automatically receive a notification of the new applicable version of these Terms, upon publicatiom of the changes. We recommend you to visit this Website page periodically to review the most recent up-to-date version of these Terms. The date of the last update of these Terms is displayed at the bottom.

9. Governing Law. These Terms shall only be governed by and construed in accordance with Luxembourg law. Any disputes relating to these Terms shall be subject to the exclusive jurisdiction of the courts of Luxembourg-City, Grand Duchy of Luxembourg.

10. Entire Agreement. These Terms are the final, complete and exclusive agreement of the parties with respect to the subject matter hereof and supersede and merge all prior discussions between the parties with respect to such subject matter.

By continuing to use this Website, you confirm your acceptance of these Terms and this disclaimer.

Last updated:

17 July 2023

Copyright © 2024 Ruben Mendes ( CASP ).