Terms of use

These Terms of Use were last updated on January 1, 2025.

Please read the following Terms of Use carefully.

1. Introduction

Full business name: Acvantage, Yaman Farhang.

Contact details: See section 12. below.

For ease of reference, the abbreviated name “Acvantage” is used throughout this website.

Acvantage is fully owned by Yaman Farhang and is a management consulting and research business based in Switzerland, focused on financial services.

In the following Terms of Use and throughout the site, Acvantage may be referred to as “we”, “us” or “our” and our website (https://acvantage.ch/) may be referred to as the “site” or “website”.

2. Acceptance and updates

By using the Acvantage website, you agree to be bound by these Terms of Use and legal information set out below. Access to the site is prohibited if you do not agree.

For as long as you use the website, our Terms of Use will apply.

We may use your personal information and data in accordance with our Privacy Policy and Cookie Policy, to which you agree by using this website. You can find these two policies on the website.

You are responsible for ensuring that anyone who accesses our website using your connection / device also understands and complies with these terms.

We may revise these Terms of Use at any time without notice and without your consent. Changes will be effective upon posting. It is your responsibility to check this page periodically for updates. Your continued use of this website constitutes your acceptance of the revised Terms of Use.

You expressly waive any defences based on the electronic format of these Terms of Use and the absence of signatures between the parties.

3. User representation

By using the website, you represent and guarantee that:

You are of legal age in your jurisdiction of residence.
You have the legal capacity to agree to be bound by these Terms of Use.
Your use of the site will not violate any applicable law / regulation.
You will notably not:

Use the site with any unauthorised or illegal intention;

Access the site through non-human / automated processes;

Try to introduce viruses or other malicious material, or expose the website to cyber-attacks / threats;

Or attempt to gain unauthorised access to the website / linked infrastructure or servers.

Your right to use the website ceases with immediate effect if you fail to comply with any such terms.

In addition, Acvantage may have to report any criminal offense to, and cooperate with, the relevant authorities.

4. Exclusion of liability

Under no circumstances will Acvantage or its partners be liable to you or any third party for any loss or damage (such as, but not limited to, direct or indirect or consequential) which you may suffer as a result of:

Accessing our website or any links to third party websites.
Using this website and its content.
Relying on any information contained therein.
Not being able to access the website.

Acvantage disclaims all warranties, express or implied, including warranties of merchantability, performance and fitness for a specific purpose.

The user’s access to the site, use of, and reliance on any published materials is at his / her own risk.

In particular, the information published on our website is not intended to be relied upon as advice. Acvantage does not engage in the provision of professional services / consulting advice through the website and accepts no liability for any reliance placed on the published materials.

Furthermore, Acvantage shall not be liable for any loss or damage caused by a cyber-attack, a virus or other technologically harmful material that may negatively impact the user’s technological equipment, data, programs, or other proprietary material because of his / her use of the website.

Acvantage makes no warranties of any kind, express or implied, as to the accuracy, completeness or timeliness of the materials on the website, although reasonable care is taken to ensure the quality of the information published. Changes may be made to the materials without notice, but Acvantage is under no obligation to modify or update the materials.

Acvantage and its suppliers disclaim any liability for any omissions or inaccuracies or for the outcome resulting from the reliance on the published content.

5. Intellectual property

The content / materials on this website, including but not limited to text, illustrations, graphics, are protected by copyright and / or other intellectual property laws. Copying, modifying, distributing or using the content / materials for commercial purposes is prohibited. Access to or use of the website does not grant any rights to the Acvantage logo.

Any violation of copyright or other intellectual property rights may lead to civil / criminal legal action(s).

Furthermore, certain pages include licensed pictures / images that are subject to the copyright rights of third parties.

6.Use of content

You are authorised to view, print, copy and reshare the materials of this website (except where expressly indicated) for informational and non-commercial purposes only, on the condition that you comply with all obligations under these Terms of Use, and that you always include the copyright notice or other attribution associated with the website information.

However, you are not permitted to:

Modify the content.
Re-use / distribute the pictures / images.
Re-sell or make a commercial use of the published materials.
Use any data mining, extraction tools or robots on the site.
Copy / use any process, software or technological feature contained on this site.

7. Access and changes

Without prior notice or liability, Acvantage has the right to modify or remove any part / content of the website, or to shut down the website temporarily or even permanently.

Your access to the website may therefore be suspended at any time and for any duration without notice, notably for maintenance / upgrade / change purposes or due to technical constraints.

In the event of the website being unavailable for any reason, Acvantage shall not be liable.

It is always your responsibility to check that you have access to the site.

8.References and links

Acvantage does not warrant the following in relation to third party products, services and websites referenced or linked to from this site:

The quality / legality of their content.
The availability of access to such websites.
The absence of cybersecurity risks associated with them.

Any access and use of third-party websites / content is at your own risk. Acvantage accepts no liability whatsoever for any loss or damage arising from access to or use of third-party websites, services, products or downloads.

Such websites are the sole responsibility of the respective third-party providers.

Acvantage does not review third party websites linked to its site and does not endorse any provider of products or services through references or links provided on this site.

9. Termination

Without notice or liability and at our sole discretion, Acvantage reserves the right, at any time, to:

Refuse access to the site to any person, including the blocking of certain IP or email addresses (we may notably do so in the event of a potential breach of these Terms of Use or of any applicable laws and regulations).
Remove any information shared by you.
Terminate your use of the website.

Such actions from us will not limit any other provision granted by these terms.

10. Miscellaneous

Acvantage (acvantage.ch) is a management consulting and research business, and therefore does not provide investment advice on financial markets. No content published on our website constitutes a solicitation or offer to buy or sell financial instruments / investment vehicles.

If any part of these Terms of Use is found to be unenforceable / invalid in any jurisdiction, that part will be reinterpreted to the maximum extent allowable in that jurisdiction to reflect as closely as possible the original intent, while the remaining parts will continue in full force and effect. These Terms of Use shall continue in full force and effect in all other jurisdictions.

The whole agreement between you and Acvantage is based on these Terms of Use, together with any other policies and rules published on the website. In this context, it is expressly stated that there is no partnership, agency, joint venture, or employment relationship between you and Acvantage.

Please note that if we fail to exercise / enforce any right or provision of these Terms of Use, this will not be construed as a waiver of that right or provision.

All rights that are not expressly granted in these Terms of Use are reserved.

Some content of this website have been generated with the help of artificial intelligence tools.

11.Applicable law and jurisdiction

These Terms of Use shall be governed by the laws of Switzerland, and you agree that any dispute arising from these terms, the whole agreement, or the use of the website, will be exclusively resolved by the courts in Switzerland. The place of jurisdiction is the Canton of Vaud.

12. Contact details

For questions and / or comments and / or concerns about our Terms of Use and this statement, please contact us by using the following contact details:

Acvantage, Yaman Farhang

Prom. de l’Eglantine 4A

CH-1110 Morges

Switzerland

Website: https://acvantage.ch

Email: admin@acvantage.ch

Phone number: +41 21 801 55 12

Terms of Use