Terms & Conditions

1. Website & App Operator: Polybius Fintech Sprl

1.1. The website https://osom.finance/ (hereafter the “Website”) is operated by Polybius Fintech Sprl , whose seat is registered at Boulevard de Waterloo 34, 1000 Brussels, Belgium, under BCE number 0695.912.840 (hereinafter “Polybius”, “we” or “us”).

1.2 Polybius is developing is developing a personal financial management service under the brandname “OSOM” to be offered to users via the Website and a mobile App (hereinafter the “App”).

1.3. These Terms of Use (hereinafter the “Terms of Use”) are directed at all public users of the Website (hereinafter the “Visitor(s)” or “you”).

2. The Website’s & App’s Content

2.1. The Website and App, including any information, graphics, aesthetic, technical, and/or other effect, are aimed at informing you of all developments linked to Polybius’ products and/or services (hereinafter the “Content”).

2.2. Polybius has the right to adapt or otherwise modify the Content at its sole discretion and without previous notice.

2.3. Polybius will use all reasonable efforts to keep the Content up to date and correct. However, not all information may be current or complete. Polybius does not guarantee the accuracy of the Content.

2.4. Any examples that are referred to in the Content are purely illustrative. We do are best to ensure that they accurately reflect Polybius’ present or future products and services. However, products and services may differ in practice.

3. Restrictions on Use

3.1. The Website and App are made publicly and freely available to all Visitors. You agree to use the Website and App and the Content solely for lawful purposes. The Content may only be used for non-commercial and private purposes.

3.2. Any use of the Website and App are only authorized in accordance with these Terms of Use and our Privacy and Cookies Policies, available on our Website and App. We advise you to read these Policies before accessing the Website.

3.3. By accessing the Website and App and you acknowledge having been informed of and explicitly agree to these Terms of Use as well as the Privacy and Cookies Policies. Should you disagree with these Terms of Use or Policies you are kindly requested to leave the Website and App.

3.4. You may not, knowingly or unknowingly, use any harmful software or introduce any harmful programs or files (i.e. a virus) to access the Website or App, distort the Content, or disrupt services. You will exercise reasonable care to avoid and prevent any of the foregoing. You may not distort, modify or otherwise manipulate the Website or App or Content in any manner whatsoever.

4. Hyperlinks

4.1. Unless otherwise specified, should you wish to include a link to the Website or App from another website or app (for example a blog of Your own), you must first request permission from [email protected] to do so. Any permission so granted can be revoked at any time at Polybius’ discretion.

4.2. Polybius bears no liability in connection to the third party websites and does not condone any content made available through them. The content of any third party websites or apps is the exclusive liability of those third party operators.

4.3. Polybius will erase any links to third party websites, which to Polybius’ knowledge, make illegal content available or carry out any type of illegal activity.

5. Intellectual Property

5.1. The text, layout, illustrations on the Website or App or any other Content are protected by Polybius’ copyright, trademark, or other rights (intellectual property and other). All Content is Polybius’ exclusive property or has been validly licensed to Polybius. Thus, all Content remains Polybius’ property even once downloaded.

5.2. Unless otherwise specified, information (textual or numeric) may be used freely so long as it is correctly referenced (i.e. Polybius is mentioned as the source) and only for non-commercial and non-advertising purposes (i.e. scientific, educational, or purely private ends). However, any use of other aspects of Content, such as the images, sound or layout, is strictly prohibited without Polybius’ prior written approval.

6. Exclusion and Limitation of Liability

6.1. To the extent permitted by law, Polybius will not be held liable for any damage that may result directly or indirectly from using the Website or App.

6.2. The use of any information obtained from or through the Website or App is done at the Visitor’s own risk. To the extent permitted by law, Polybius’ declines any liability relative to decisions made on the basis of information obtained from or through the Website or App.

6.3. Polybius does not guarantee the Website’s or App’s effective operation and functional performance. To the extent permitted by law, Polybius declines all liability in the case of any defect or unavailability, or in the case of any other direct or indirect damage that may arise in connection to accessing or using the Website or App. Polybius is not liable for any damage owing to any service interruptions, technical errors, viruses or any other factors beyond Polybius’ control.

7. Privacy Policy

7.1. Polybius’ may process your personal data as agreed and described in its Privacy Policy. Any data protection enquiries can be made to [email protected] or through written request to our offices (see below “contact us”).

8. Cookie Policy

8.1. The Website uses a certain number of Cookies, as agreed to and described in its Cookie Policy.

9. Changes to Terms of Use

9.1. Polybius reserves the right, at its sole discretion, to amend, complete or otherwise modify these Terms of Use at any time and without notice.

10. Severability

10.1. Should any provision of these Terms of Use be found invalid and/or unenforceable, for any reasons whatsoever, the remaining provisions of these Terms of Use will remain valid and enforceable as if the invalidated provision had not been included therein. The invalidated provision will be replaced with a provision that adequately reflects the parties’ initial intention.

11. Non-Waiver

11.1. Any activity or behaviour contrary to these Terms of Use or Polybius’ failure to enforce them can never be deemed a waiver of Polybius’ rights under said Terms of Use.

11.12. Applicable Law and Jurisdiction

11.1. By accessing the Website or App you agree to these Terms of Use, and further accepts the application of Belgian law.

11.2. Any dispute arising in connection to these Terms of Use and/or the Website and App is the exclusive jurisdiction of the Brussels District Courts.

11.3. The law of your habitual residence may always apply, provided that Polybius pursues or directs its relevant commercial or professional activities there. It may further be possible to apply a country’s mandatory provisions, the respect for which is regarded as crucial for safeguarding its public interests.

13. Contact Us

13.1. If you have any questions or comments about these Terms of Use, please contact us here:
By email to [email protected] or by postal mail to Customer Support, Polybius Fintech Sprl, Boulevard de Waterloo 34, 1000 Brussels, Belgium.