Terms and Conditions

Effective Date: 02 January 2026

Welcome to Fundavia (“Fundavia,” “we,” “our” or “us”). These Terms and Conditions (“Terms”) explain the rules and expectations for using the website www.fundavia.com (the “Website”). By accessing or using the Website, you confirm that you have read, understood and agree to be bound by these Terms. If you do not agree with these Terms in full, please do not use the Website.

1. What Fundavia Is and What It Is Not

    Fundavia is a premium online magazine focused on delivering deeply researched insight into exchange-traded funds, mutual funds and the investment strategies embraced by large institutional allocators around the world. Whether we are writing about the rise of active ETFs, shifts into thematic funds, or the role of fixed income products in portfolios, our aim is to provide context, analysis and perspective that help readers understand what moves markets and why it matters. The Website itself is made available for information, education and commentary and is not limited to registered or paying users unless otherwise stated.

    Fundavia does not operate as an investment adviser, broker, financial planner or fiduciary, and nothing on this Website should be considered personalised, tailored, professional or expert advice. The content reflects general market observations and analysis, not recommendations to buy, hold or sell any security or strategy. If you are considering taking any action based on material from this Website, you should first consult a qualified financial, legal, tax or other professional who can advise you in light of your personal circumstances.

    2. Eligibility to Use the Website

      By using the Website, you represent that:

      • You have legal capacity to enter into binding agreements under the laws of your jurisdiction; and
      • If you are using the Website on behalf of a company or organisation, you are authorised to bind that entity to these Terms.

      3. No Professional Advice or Liability

      The information published on Fundavia is provided for general informational purposes only and does not constitute investment, financial, legal, tax, accounting, regulatory or other professional advice. Fundavia, its writers and contributors do not endorse any investment product, strategy or service, and nothing contained on the Website should be interpreted as a recommendation to purchase or sell any investment or to undertake any financial transaction.

      You understand that any investment carries risk, including possible loss of capital, and that you should not make decisions without seeking appropriate professional advice based on your individual circumstances. Fundavia is not responsible for any losses, damages, or other consequences of decisions made by you or others based on information contained on or accessed through this Website.

      4. Intellectual Property and Use of Content

        All material on this Website, including text, graphics, illustrations, research, design, layout and logos — is owned by or licensed to Fundavia and is protected by applicable intellectual property laws. You are granted a limited, non-exclusive, non-transferable right to access and view content for personal, non-commercial purposes only. Without our prior written permission, you may not copy, reproduce, distribute, modify, republish, upload, post or otherwise use any content for any purpose other than viewing and sharing in accordance with these Terms.

        5. Third-Party Content and External Links

          Fundavia may contain links to third-party websites, resources and publications. These are provided for convenience and informational purposes only. We do not control and are not responsible for the content or practices of external sites, and linking to them does not imply endorsement, verification or approval of their content. Your decision to access or rely on third-party content is at your own risk.

          6. Acceptable Use

            You agree to use the Website in a lawful, respectful and responsible manner. In particular, you must not:

            • Violate any applicable law or regulation;
            • Infringe the rights of Fundavia, its contributors, or third parties;
            • Upload or transmit malicious code, malware or other harmful material;
            • Interfere with the availability or integrity of the Website; or
            • Attempt to circumvent security measures or gain unauthorised access to systems related to the Website.

            Fundavia reserves the right to restrict or terminate access to the Website at its discretion if these Terms are breached.

            7. Availability and Disclaimer of Warranties

              The Website and all content are provided “as is” and “as available” without any warranty of any kind — express, implied or statutory. While we aim to keep information accurate and current, we do not represent or guarantee the completeness, reliability, timeliness or accuracy of any content. Access to and use of the Website is at your own risk.

              8. Limitation of Liability

                To the fullest extent permitted by applicable law, Fundavia and its affiliates, partners, contributors, employees, agents and licensors shall not be liable for any direct or indirect loss, damage or claim arising out of or relating to your use of the Website or reliance on any content provided through it, including any loss of investment, profits, data, revenue or reputational harm.

                9. Data Protection and Privacy

                  Fundavia collects and processes personal data in accordance with applicable data protection laws. Details about how we handle personal information are set forth in the Privacy Policy, which is part of these Terms by reference.

                  10. Changes to These Terms

                    We may revise or update these Terms from time to time. Updated versions will be posted on the Website with their effective dates. Continued use of the Website after changes are posted constitutes your acceptance of any revised Terms.

                    11. Severability

                      If any part of these Terms is found to be invalid or unenforceable, that part will be severed, and the remainder will continue in full force and effect.

                      12. Governing Law and Jurisdiction

                        These Terms and your use of the Website shall be governed by the laws of the jurisdiction in which Fundavia is based, without regard to conflict-of-law principles. The competent courts of that jurisdiction shall have exclusive authority to resolve any disputes arising out of or relating to these Terms or your use of the Website.

                        13. Contact Information

                          If you have questions about these Terms, please contact us at: info @ fundavia.com .