Terms of Use

1. Legal notice

1.1 The website

The website is the exclusive property of Olvyn, owned by the registered company CREOSIT SRL. All elements of the website (texts, photographs, videos, illustrations, logos, trademarks, etc.) are protected by copyright and intellectual-property laws. Any use or reproduction, in whole or in part, of the website or its elements is prohibited without prior written authorisation from Olvyn.

1.2 Publisher

Olvyn, owned by CREOSIT SRL, with registered office at 33 Rue de Namur, 5380 Fernelmont (Belgium), represented by Simon Tooth as Director, registered with the Crossroads Bank for Enterprises under number 1021.014.971.

1.3 Hosting and infrastructure

The olvyn.eu domain name is registered with OVH (https://www.ovhcloud.com). The public website is delivered through Cloudflare's global edge network (https://www.cloudflare.com), which also performs edge security (WAF, DDoS protection) and may serve pre-rendered HTML snapshots of public pages to search-engine and AI crawlers via Cloudflare's Browser Rendering service. Application data and authentication are operated on Supabase, hosted in the European Union (https://supabase.com).

2. Access to the website

Access to the website and its use are reserved for strictly personal and professional consultation. You agree not to use this site or the information it contains for unauthorised commercial, political or advertising purposes, nor for any form of commercial solicitation, including unsolicited email.

3. Website content

All trademarks, photographs, texts, comments, illustrations, images (animated or not), video sequences and sounds, as well as all software components used to operate this site, are protected by intellectual-property laws. They are the full property of the publisher or its partners. Any reproduction, representation, use or adaptation, in any form, of all or part of these elements without the publisher's prior written consent is strictly prohibited. Any tolerance by the publisher does not constitute waiver of these rights.

4. Website management

For the proper management of the site, the publisher may at any time: suspend, interrupt or limit access to all or part of the site; restrict access to a specific category of users; remove any information that may disrupt operation or contravene applicable law; or take the site down to perform updates.

5. Advisory services

Olvyn (operated by CREOSIT SRL) also provides Strategic Financial Advisory services — including financial governance, cash-flow structuring, operational steering, fractional CFO support and related engagements — and offers access to the Olvyn Finance software platform. The present terms govern only the use of this public website and the informational content made available on it. Any advisory engagement is subject to a separate written engagement letter signed between CREOSIT SRL and the client, which alone defines the scope, deliverables, fees, duration, professional liability, confidentiality and termination terms of the services. Use of the Olvyn Finance software platform is governed by its own product terms of service, data-processing agreement and security documentation, which are made available to subscribers prior to onboarding and prevail, for the platform, over the present website terms.

6. No advice — information only

All content made available on this website — including articles, training modules, the financial self-diagnostic, interactive calculators (break-even, cash trap, hourly cost, working capital, sustainable growth, model viability, hiring profile), benchmarks, illustrative figures, screenshots and product descriptions — is provided for general information and educational purposes only. It does not constitute personalised financial, accounting, tax, legal, regulatory or investment advice, nor a recommendation, audit opinion, valuation, forecast or guarantee of any specific result. No fiduciary, advisory, brokerage or client relationship is created by browsing the site, completing the diagnostic, downloading a result, requesting a discovery call or interacting with any free tool. Calculators and the diagnostic produce indicative outputs based solely on the inputs you provide; they do not validate the accuracy of those inputs and may not reflect your specific legal, tax, sector or contractual situation. Calculator default parameters (notably employer charges and country defaults for Belgium, France, the Netherlands and Luxembourg) reflect typical conditions at the date of publication, are not periodically re-certified and may become outdated as legislation evolves; you remain responsible for verifying current rates against official sources. The self-diagnostic assigns an indicative archetype (Firefighter, Builder, Pilot, Strategist) based on your free-text answers; this is a heuristic categorisation intended for self-reflection and does not constitute a creditworthiness, solvency, risk, scoring or profiling assessment within the meaning of GDPR Art. 22, nor an opinion on the financial situation of any company. Training modules describe Belgian and EU practice as of their publication date and are not maintained as a regulatory or accounting reference. Before taking any decision having financial, legal or tax consequences, you must seek personalised advice from a qualified professional (chartered accountant, tax advisor, lawyer, statutory auditor) within the framework of a duly signed engagement. To the fullest extent permitted by Belgian law, the publisher excludes all liability for any direct, indirect, incidental or consequential loss arising from reliance on the informational content of the site, the outputs of any free tool or any unsigned exchange (email, demo, discovery call). Statements concerning the Olvyn Finance platform — including features, KPIs, integrations, response times and roadmap items — describe current or planned capabilities and are not contractual commitments; the binding scope is set by the product order form and product terms of service.

7. Responsibilities

The publisher cannot be held responsible for any failure, breakdown, difficulty or interruption that prevents access to the site or any of its features. Connection equipment used to reach the site is under your sole responsibility; you must take all appropriate measures to protect your equipment and your own data. The publisher is not responsible for damage caused to you, third parties or your equipment as a result of your connection to or use of the site, and you waive any action against it on this basis. The publisher's obligations are suspended in the event of force majeure or circumstances beyond its reasonable control, including without limitation outages, degradations or service interruptions affecting its hosting and infrastructure providers (notably OVH, Cloudflare, Supabase and Resend), telecommunications failures, cyber-attacks, denial-of-service incidents, governmental measures or natural events.

8. Hyperlinks

Users may create hypertext links to all or part of the site. Any link must be removed upon simple request from the publisher. Information accessible via a link to other sites is not published by the publisher, who has no control over its content.

9. Applicable law

These terms of use are governed by Belgian law and subject to the jurisdiction of the courts of the publisher's registered office, except where a specific jurisdiction is attributed by a law or regulation.

10. Notice and action (illegal content)

In accordance with Article 16 of the EU Digital Services Act (Regulation 2022/2065), any person may notify us of content available on the site that they consider to be illegal under EU law or the national law of an EU Member State, or that infringes their intellectual-property rights. Notices should be sent to simon@olvyn.eu and include: (a) a sufficiently substantiated explanation of the reasons why the content is alleged to be illegal or infringing; (b) a clear indication of the exact electronic location of the content (URL); (c) the name and email address of the notifier (except where the notice concerns offences under Articles 3 to 7 of Directive 2011/93/EU); and (d) a statement of good-faith belief that the information in the notice is accurate and complete. We acknowledge receipt without undue delay and process notices in a timely, diligent, non-arbitrary and objective manner.

11. Contact

For any question or information about the site, please write to: simon@olvyn.eu.