Terms of Service

Last Updated: 1st January 2026

Acceptance of Terms

By accessing and using the embervector website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any part of these terms, you must not use our services.

These terms constitute a legally binding agreement between you and embervector Ltd, a company incorporated in Cyprus with registration number HE945261.

About embervector

embervector Ltd is a licensed microfinance institution operating under the laws of Cyprus and the European Union. Our registered office is located at Poseidonos Avenue 119, 3007 Limassol, Limassol District, Cyprus.

We provide microfinance services including business loans, working capital finance, and financial advisory services to eligible businesses across the European Union.

Use of Our Website and Services

You may use our website and services only for lawful purposes and in accordance with these Terms of Service. You agree not to:

  • Use our services for any illegal or unauthorised purpose
  • Provide false, misleading, or inaccurate information in applications or communications
  • Attempt to gain unauthorised access to our systems or networks
  • Interfere with or disrupt our website or services
  • Use automated systems to access our website without permission
  • Copy, modify, or distribute our content without authorisation
  • Engage in any activity that could damage our reputation or business

Loan Application and Approval Process

When you submit a loan application through embervector, you represent and warrant that:

  • All information provided is true, accurate, and complete
  • You have the legal authority to enter into financial agreements
  • You meet all eligibility criteria for our services
  • You will promptly notify us of any changes to your circumstances

embervector reserves the right to approve or decline any loan application at our sole discretion. We may require additional documentation or verification before making a lending decision.

Financial Services Terms

If your loan application is approved, separate loan agreements will govern the specific terms of your financial services, including:

  • Loan amount and repayment schedule
  • Interest rates and fees
  • Security requirements and guarantees
  • Default and enforcement provisions
  • Early repayment terms and conditions

These Terms of Service supplement but do not replace the specific terms of any loan agreements you enter into with embervector.

Intellectual Property

All content on the embervector website, including text, graphics, logos, images, software, and other materials, is the property of embervector Ltd or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works from our content without our express written permission. The embervector name and logo are trademarks of embervector Ltd.

You grant embervector a non-exclusive, royalty-free licence to use any information, suggestions, or feedback you provide to us for the purpose of improving our services.

Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which forms part of these Terms of Service.

By using our services, you consent to the collection and use of your information as described in our Privacy Policy. We comply with all applicable data protection laws, including the General Data Protection Regulation (GDPR).

Limitation of Liability

To the maximum extent permitted by law, embervector Ltd shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising from your use of our website or services.

Our total liability to you for any claims arising from or relating to these Terms of Service or our services shall not exceed the amount of fees you have paid to embervector in the 12 months preceding the claim.

Nothing in these terms excludes or limits our liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded by law.

Disclaimers

Our website and services are provided "as is" without warranties of any kind, either express or implied. We do not warrant that:

  • Our website will be uninterrupted or error-free
  • All information on our website is accurate or up-to-date
  • Our services will meet your specific requirements
  • Any defects or errors will be corrected

You acknowledge that investment and business decisions involve risk, and you are solely responsible for evaluating the suitability of our services for your needs.

Indemnification

You agree to indemnify, defend, and hold harmless embervector Ltd, its officers, directors, employees, and agents from any claims, damages, costs, or expenses arising from:

  • Your breach of these Terms of Service
  • Your violation of any applicable laws or regulations
  • Your infringement of any third-party rights
  • Any false or misleading information you provide to us

Governing Law

These Terms of Service are governed by and construed in accordance with the laws of Cyprus and the European Union. Any disputes arising from these terms or your use of our services shall be subject to the exclusive jurisdiction of the courts of Cyprus.

If you are a consumer resident in another EU member state, you may also have the right to bring proceedings in your local courts, and nothing in these terms affects your statutory rights as a consumer.

Termination

We may terminate or suspend your access to our website and services immediately, without prior notice, if you breach these Terms of Service or engage in any conduct that we deem inappropriate or harmful to our business or other users.

You may terminate your use of our services at any time by ceasing to use our website and services. However, any outstanding financial obligations will remain in effect according to the terms of your loan agreements.

Upon termination, your right to use our services will cease immediately, but the provisions of these terms that by their nature should survive termination will remain in effect.

Force Majeure

embervector shall not be liable for any failure or delay in performance under these Terms of Service due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, government actions, or technical failures.

Severability

If any provision of these Terms of Service is found to be invalid, illegal, or unenforceable, the remaining provisions will continue in full force and effect. The invalid provision will be replaced with a valid provision that most closely reflects the original intent.

Changes to Terms

We reserve the right to modify these Terms of Service at any time. We will notify you of material changes by posting the updated terms on our website and updating the "Last Updated" date. Your continued use of our services after such changes constitutes acceptance of the new terms.

We recommend that you review these terms periodically to stay informed of any updates or changes that may affect you.

Contact Information

If you have any questions about these Terms of Service, please contact us:

Entire Agreement

These Terms of Service, together with our Privacy Policy and any applicable loan agreements, constitute the entire agreement between you and embervector Ltd regarding your use of our website and services, and supersede all prior agreements and understandings.