Terms and Conditions

Last updated: 11 June 2026

Agreement to our legal terms

We are Zahard LTD, doing business as AnchorLess ('Company', 'we', 'us', or 'our'). Our VAT number is GB 452262020.

We operate the website https://anchorless.io (the 'Site'), as well as any other related products and services that refer or link to these legal terms (the 'Legal Terms') (collectively, the 'Services').

AnchorLess is not a bank, accounting, tax, investment, or legal advisor. We serve as an intermediary, streamlining your access to accredited financial and legal professionals for your relocation to Europe.

You can contact us by email at contact@anchorless.io or by mail to 71-75 Shelton Street, London, England WC2H 9JQ, United Kingdom.

These Legal Terms constitute a legally binding agreement made between you, whether personally or on behalf of an entity ('you'), and Zahard LTD, concerning your access to and use of the Services. You agree that by accessing the Services, you have read, understood, and agreed to be bound by all of these Legal Terms. IF YOU DO NOT AGREE WITH ALL OF THESE LEGAL TERMS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SERVICES AND YOU MUST DISCONTINUE USE IMMEDIATELY.

We will provide you with prior notice of any scheduled changes to the Services you are using. The modified Legal Terms will become effective upon posting or notifying you by support@anchorless.io, as stated in the email message. By continuing to use the Services after the effective date of any changes, you agree to be bound by the modified terms.

The Services are intended for users who are at least 18 years old. Persons under the age of 18 are not permitted to use or register for the Services.

We recommend that you print a copy of these Legal Terms for your records.

1. Our services

The information provided when using the Services is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Services from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable.

The Services are not tailored to comply with industry-specific regulations (Health Insurance Portability and Accountability Act (HIPAA), Federal Information Security Management Act (FISMA), etc.), so if your interactions would be subjected to such laws, you may not use the Services. You may not use the Services in a way that would violate the Gramm-Leach-Bliley Act (GLBA).

2. Intellectual property rights

Our intellectual property

We are the owner or the licensee of all intellectual property rights in our Services, including all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics in the Services (collectively, the 'Content'), as well as the trademarks, service marks, and logos contained therein (the 'Marks').

Our Content and Marks are protected by copyright and trademark laws (and various other intellectual property rights and unfair competition laws) and treaties in the United States and around the world.

The Content and Marks are provided in or through the Services 'AS IS' for your personal, non-commercial use only.

Your use of our Services

Subject to your compliance with these Legal Terms, including the 'PROHIBITED ACTIVITIES' section below, we grant you a non-exclusive, non-transferable, revocable licence to:

• access the Services; and
• download or print a copy of any portion of the Content to which you have properly gained access,

solely for your personal, non-commercial use.

Except as set out in this section or elsewhere in our Legal Terms, no part of the Services and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.

If you wish to make any use of the Services, Content, or Marks other than as set out in this section or elsewhere in our Legal Terms, please address your request to: contact@anchorless.io. If we ever grant you the permission to post, reproduce, or publicly display any part of our Services or Content, you must identify us as the owners or licensors of the Services, Content, or Marks and ensure that any copyright or proprietary notice appears or is visible on posting, reproducing, or displaying our Content.

We reserve all rights not expressly granted to you in and to the Services, Content, and Marks.

Any breach of these Intellectual Property Rights will constitute a material breach of our Legal Terms and your right to use our Services will terminate immediately.

Your submissions

Please review this section and the 'PROHIBITED ACTIVITIES' section carefully prior to using our Services to understand the (a) rights you give us and (b) obligations you have when you post or upload any content through the Services.

Submissions: By directly sending us any question, comment, suggestion, idea, feedback, or other information about the Services ('Submissions'), you agree to assign to us all intellectual property rights in such Submission. You agree that we shall own this Submission and be entitled to its unrestricted use and dissemination for any lawful purpose, commercial or otherwise, without acknowledgment or compensation to you.

You are responsible for what you post or upload: By sending us Submissions through any part of the Services you:

• confirm that you have read and agree with our 'PROHIBITED ACTIVITIES' and will not post, send, publish, upload, or transmit through the Services any Submission that is illegal, harassing, hateful, harmful, defamatory, obscene, bullying, abusive, discriminatory, threatening to any person or group, sexually explicit, false, inaccurate, deceitful, or misleading;
• to the extent permissible by applicable law, waive any and all moral rights to any such Submission;
• warrant that any such Submission are original to you or that you have the necessary rights and licences to submit such Submissions and that you have full authority to grant us the above-mentioned rights in relation to your Submissions; and
• warrant and represent that your Submissions do not constitute confidential information.

You are solely responsible for your Submissions and you expressly agree to reimburse us for any and all losses that we may suffer because of your breach of (a) this section, (b) any third party's intellectual property rights, or (c) applicable law.

3. User representations

By using the Services, you represent and warrant that: (1) all registration information you submit will be true, accurate, current, and complete; (2) you will maintain the accuracy of such information and promptly update such registration information as necessary; (3) you have the legal capacity and you agree to comply with these Legal Terms; (4) you are not a minor in the jurisdiction in which you reside; (5) you will not access the Services through automated or non-human means, whether through a bot, script or otherwise; (6) you will not use the Services for any illegal or unauthorised purpose; and (7) your use of the Services will not violate any applicable law or regulation.

If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Services (or any portion thereof).

4. User registration

You may be required to register to use the Services. You agree to keep your password confidential and will be responsible for all use of your account and password. We reserve the right to remove, reclaim, or change a username you select if we determine, in our sole discretion, that such username is inappropriate, obscene, or otherwise objectionable.

5. Purchases and payment

We accept the following forms of payment:

• Visa
• Mastercard
• American Express
• Discover
• Klarna

You agree to provide current, complete, and accurate purchase and account information for all purchases made via the Services. You further agree to promptly update account and payment information, including email address, payment method, and payment card expiration date, so that we can complete your transactions and contact you as needed. Sales tax will be added to the price of purchases as deemed required by us. We may change prices at any time. All payments shall be in Euros.

You agree to pay all charges at the prices then in effect for your purchases and any applicable shipping fees, and you authorise us to charge your chosen payment provider for any such amounts upon placing your order. We reserve the right to correct any errors or mistakes in pricing, even if we have already requested or received payment.

We reserve the right to refuse any order placed through the Services. We may, in our sole discretion, limit or cancel quantities purchased per person, per household, or per order. These restrictions may include orders placed by or under the same customer account, the same payment method, and/or orders that use the same billing or shipping address. We reserve the right to limit or prohibit orders that, in our sole judgement, appear to be placed by dealers, resellers, or distributors.

6. Subscriptions

Billing and Renewal

Your subscription will continue and automatically renew unless cancelled. You consent to our charging your payment method on a recurring basis without requiring your prior approval for each recurring charge, until such time as you cancel the applicable order.

Cancellation

You can cancel your subscription at any time by contacting us using the contact information provided below. Your cancellation will take effect at the end of the current paid term. If you have any questions or are unsatisfied with our Services, please email us at contact@anchorless.io.

Fee Changes

We may, from time to time, make changes to the subscription fee and will communicate any price changes to you in accordance with applicable law.

7. Policy

Please review the service-specific refund and cancellation policies set out in the 'SERVICE DETAILS' sections below prior to making any purchases.

8. Prohibited activities

You may not access or use the Services for any purpose other than that for which we make the Services available. The Services may not be used in connection with any commercial endeavours except those that are specifically endorsed or approved by us.

As a user of the Services, you agree not to:

• Systematically retrieve data or other content from the Services to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.
• Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords.
• Circumvent, disable, or otherwise interfere with security-related features of the Services, including features that prevent or restrict the use or copying of any Content or enforce limitations on the use of the Services and/or the Content contained therein.
• Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Services.
• Use any information obtained from the Services in order to harass, abuse, or harm another person.
• Make improper use of our support services or submit false reports of abuse or misconduct.
• Use the Services in a manner inconsistent with any applicable laws or regulations.
• Engage in unauthorised framing of or linking to the Services.
• Upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material, including excessive use of capital letters and spamming (continuous posting of repetitive text), that interferes with any party's uninterrupted use and enjoyment of the Services or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Services.
• Engage in any automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools.
• Delete the copyright or other proprietary rights notice from any Content.
• Attempt to impersonate another user or person or use the username of another user.
• Upload or transmit (or attempt to upload or to transmit) any material that acts as a passive or active information collection or transmission mechanism, including without limitation, clear graphics interchange formats ('gifs'), 1×1 pixels, web bugs, cookies, or other similar devices (sometimes referred to as 'spyware' or 'passive collection mechanisms' or 'pcms').
• Interfere with, disrupt, or create an undue burden on the Services or the networks or services connected to the Services.
• Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Services to you.
• Attempt to bypass any measures of the Services designed to prevent or restrict access to the Services, or any portion of the Services.
• Copy or adapt the Services' software, including but not limited to Flash, PHP, HTML, JavaScript, or other code.
• Except as permitted by applicable law, decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Services.
• Except as may be the result of standard search engine or Internet browser usage, use, launch, develop, or distribute any automated system, including without limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses the Services, or use or launch any unauthorised script or other software.
• Use a buying agent or purchasing agent to make purchases on the Services.
• Make any unauthorised use of the Services, including collecting usernames and/or email addresses of users by electronic or other means for the purpose of sending unsolicited email, or creating user accounts by automated means or under false pretences.
• Use the Services as part of any effort to compete with us or otherwise use the Services and/or the Content for any revenue-generating endeavour or commercial enterprise.

9. User generated contributions

The Services does not offer users to submit or post content. We may provide you with the opportunity to create, submit, post, display, transmit, perform, publish, distribute, or broadcast content and materials to us or on the Services, including but not limited to text, writings, video, audio, photographs, graphics, comments, suggestions, or personal information or other material (collectively, 'Contributions'). Contributions may be viewable by other users of the Services and through third-party websites. As such, any Contributions you transmit may be treated in accordance with the Services' Privacy Policy. When you create or make available any Contributions, you thereby represent and warrant that:

• The creation, distribution, transmission, public display, or performance, and the accessing, downloading, or copying of your Contributions do not and will not infringe the proprietary rights, including but not limited to the copyright, patent, trademark, trade secret, or moral rights of any third party.
• You are the creator and owner of or have the necessary licences, rights, consents, releases, and permissions to use and to authorise us, the Services, and other users of the Services to use your Contributions in any manner contemplated by the Services and these Legal Terms.
• You have the written consent, release, and/or permission of each and every identifiable individual person in your Contributions to use the name or likeness of each and every such identifiable individual person to enable inclusion and use of your Contributions in any manner contemplated by the Services and these Legal Terms.
• Your Contributions are not false, inaccurate, or misleading.
• Your Contributions are not unsolicited or unauthorised advertising, promotional materials, pyramid schemes, chain letters, spam, mass mailings, or other forms of solicitation.
• Your Contributions are not obscene, lewd, lascivious, filthy, violent, harassing, libellous, slanderous, or otherwise objectionable (as determined by us).
• Your Contributions do not ridicule, mock, disparage, intimidate, or abuse anyone.
• Your Contributions are not used to harass or threaten (in the legal sense of those terms) any other person and to promote violence against a specific person or class of people.
• Your Contributions do not violate any applicable law, regulation, or rule.
• Your Contributions do not violate the privacy or publicity rights of any third party.
• Your Contributions do not violate any applicable law concerning child pornography, or otherwise intended to protect the health or well-being of minors.
• Your Contributions do not include any offensive comments that are connected to race, national origin, gender, sexual preference, or physical handicap.
• Your Contributions do not otherwise violate, or link to material that violates, any provision of these Legal Terms, or any applicable law or regulation.

Any use of the Services in violation of the foregoing violates these Legal Terms and may result in, among other things, termination or suspension of your rights to use the Services.

10. Contribution licence

You and Services agree that we may access, store, process, and use any information and personal data that you provide following the terms of the Privacy Policy and your choices (including settings).

By submitting suggestions or other feedback regarding the Services, you agree that we can use and share such feedback for any purpose without compensation to you.

We do not assert any ownership over your Contributions. You retain full ownership of all of your Contributions and any intellectual property rights or other proprietary rights associated with your Contributions. We are not liable for any statements or representations in your Contributions provided by you in any area on the Services. You are solely responsible for your Contributions to the Services and you expressly agree to exonerate us from any and all responsibility and to refrain from any legal action against us regarding your Contributions.

11. Guidelines for reviews

We may provide you areas on the Services to leave reviews or ratings. When posting a review, you must comply with the following criteria: (1) you should have firsthand experience with the person/entity being reviewed; (2) your reviews should not contain offensive profanity, or abusive, racist, offensive, or hateful language; (3) your reviews should not contain discriminatory references based on religion, race, gender, national origin, age, marital status, sexual orientation, or disability; (4) your reviews should not contain references to illegal activity; (5) you should not be affiliated with competitors if posting negative reviews; (6) you should not make any conclusions as to the legality of conduct; (7) you may not post any false or misleading statements; and (8) you may not organise a campaign encouraging others to post reviews, whether positive or negative.

We may accept, reject, or remove reviews in our sole discretion. We have absolutely no obligation to screen reviews or to delete reviews, even if anyone considers reviews objectionable or inaccurate. Reviews are not endorsed by us, and do not necessarily represent our opinions or the views of any of our affiliates or partners. We do not assume liability for any review or for any claims, liabilities, or losses resulting from any review. By posting a review, you hereby grant to us a perpetual, non-exclusive, worldwide, royalty-free, fully paid, assignable, and sublicensable right and licence to reproduce, modify, translate, transmit by any means, display, perform, and/or distribute all content relating to review.

12. Third-party websites and content

The Services may contain (or you may be sent via the Site) links to other websites ('Third-Party Websites') as well as articles, photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software, and other content or items belonging to or originating from third parties ('Third-Party Content'). Such Third-Party Websites and Third-Party Content are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third-Party Websites accessed through the Services or any Third-Party Content posted on, available through, or installed from the Services, including the content, accuracy, offensiveness, opinions, reliability, privacy practices, or other policies of or contained in the Third-Party Websites or the Third-Party Content. Inclusion of, linking to, or permitting the use or installation of any Third-Party Websites or any Third-Party Content does not imply approval or endorsement thereof by us. If you decide to leave the Services and access the Third-Party Websites or to use or install any Third-Party Content, you do so at your own risk, and you should be aware these Legal Terms no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any website to which you navigate from the Services or relating to any applications you use or install from the Services. Any purchases you make through Third-Party Websites will be through other websites and from other companies, and we take no responsibility whatsoever in relation to such purchases which are exclusively between you and the applicable third party. You agree and acknowledge that we do not endorse the products or services offered on Third-Party Websites and you shall hold us blameless from any harm caused by your purchase of such products or services. Additionally, you shall hold us blameless from any losses sustained by you or harm caused to you relating to or resulting in any way from any Third-Party Content or any contact with Third-Party Websites.

13. Services management

We reserve the right, but not the obligation, to: (1) monitor the Services for violations of these Legal Terms; (2) take appropriate legal action against anyone who, in our sole discretion, violates the law or these Legal Terms, including without limitation, reporting such user to law enforcement authorities; (3) in our sole discretion and without limitation, refuse, restrict access to, limit the availability of, or disable (to the extent technologically feasible) any of your Contributions or any portion thereof; (4) in our sole discretion and without limitation, notice, or liability, to remove from the Services or otherwise disable all files and content that are excessive in size or are in any way burdensome to our systems; and (5) otherwise manage the Services in a manner designed to protect our rights and property and to facilitate the proper functioning of the Services.

14. Privacy policy

We care about data privacy and security. Please review our Privacy Policy: https://anchorless.io/privacy-policy. By using the Services, you agree to be bound by our Privacy Policy, which is incorporated into these Legal Terms. The Services are operated by Zahard LTD, a company established in the United Kingdom; personal data is stored within the European Union, and any international transfers are carried out with appropriate safeguards as described in our Privacy Policy.

15. Term and termination

These Legal Terms shall remain in full force and effect while you use the Services. WITHOUT LIMITING ANY OTHER PROVISION OF THESE LEGAL TERMS, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SERVICES (INCLUDING BLOCKING CERTAIN IP ADDRESSES), TO ANY PERSON FOR ANY REASON OR FOR NO REASON, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE LEGAL TERMS OR OF ANY APPLICABLE LAW OR REGULATION. WE MAY TERMINATE YOUR USE OR PARTICIPATION IN THE SERVICES OR DELETE YOUR ACCOUNT AND ANY CONTENT OR INFORMATION THAT YOU POSTED AT ANY TIME, WITHOUT WARNING, IN OUR SOLE DISCRETION.

If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress.

16. Modifications and interruptions

We reserve the right to change, modify, or remove the contents of the Services at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Services. We also reserve the right to modify or discontinue all or part of the Services without notice at any time. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Services.

We cannot guarantee the Services will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Services, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Services at any time or for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Services during any downtime or discontinuance of the Services. Nothing in these Legal Terms will be construed to obligate us to maintain and support the Services or to supply any corrections, updates, or releases in connection therewith.

17. Governing law

These Legal Terms are governed by and interpreted following the laws of the United Kingdom, and the use of the United Nations Convention of Contracts for the International Sales of Goods is expressly excluded. If your habitual residence is in the EU, and you are a consumer, you additionally possess the protection provided to you by obligatory provisions of the law in your country to residence. Zahard LTD and yourself both agree to submit to the non-exclusive jurisdiction of the courts of London, which means that you may make a claim to defend your consumer protection rights in regards to these Legal Terms in the United Kingdom, or in the EU country in which you reside.

18. Dispute resolution

The European Commission provides an online dispute resolution platform, which you can access. If you would like to bring this subject to our attention, please contact us.

19. Corrections

There may be information on the Services that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Services at any time, without prior notice.

20. Disclaimer

THE SERVICES ARE PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SERVICES AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SERVICES' CONTENT OR THE CONTENT OF ANY WEBSITES OR MOBILE APPLICATIONS LINKED TO THE SERVICES AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE SERVICES, (3) ANY UNAUTHORISED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SERVICES, (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SERVICES BY ANY THIRD PARTY, AND/OR (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SERVICES. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SERVICES, ANY HYPERLINKED WEBSITE, OR ANY WEBSITE OR MOBILE APPLICATION FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND WE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND ANY THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGEMENT AND EXERCISE CAUTION WHERE APPROPRIATE.

21. Limitations of liability

IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO US DURING THE ONE (1) MONTH PERIOD PRIOR TO ANY CAUSE OF ACTION ARISING. CERTAIN US STATE LAWS AND INTERNATIONAL LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.

22. Indemnification

You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys' fees and expenses, made by any third party due to or arising out of: (1) use of the Services; (2) breach of these Legal Terms; (3) any breach of your representations and warranties set forth in these Legal Terms; (4) your violation of the rights of a third party, including but not limited to intellectual property rights; or (5) any overt harmful act toward any other user of the Services with whom you connected via the Services. Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defence and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defence of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it.

23. User data

We will maintain certain data that you transmit to the Services for the purpose of managing the performance of the Services, as well as data relating to your use of the Services. Although we perform regular routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the Services. You agree that we shall have no liability to you for any loss or corruption of any such data, and you hereby waive any right of action against us arising from any such loss or corruption of such data.

24. Electronic communications, transactions, and signatures

Visiting the Services, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Services, satisfy any legal requirement that such communication be in writing. YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SERVICES. You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means.

25. California users and residents

If any complaint with us is not satisfactorily resolved, you can contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834 or by telephone at (800) 952-5210 or (916) 445-1254.

26. Miscellaneous

These Legal Terms and any policies or operating rules posted by us on the Services or in respect to the Services constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Legal Terms shall not operate as a waiver of such right or provision. These Legal Terms operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of a provision of these Legal Terms is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Legal Terms and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment or agency relationship created between you and us as a result of these Legal Terms or use of the Services. You agree that these Legal Terms will not be construed against us by virtue of having drafted them. You hereby waive any and all defences you may have based on the electronic form of these Legal Terms and the lack of signing by the parties hereto to execute these Legal Terms.

27. Service details — Portuguese bank account

Authorization and Scope of Work

The Client hereby designates the Service Provider, AnchorLess, to act as their representative, along with their family members, and to take all necessary actions on the Client's behalf for the application to open a bank account in Portugal. AnchorLess acts solely as an intermediary, facilitating the connection between the Client and the bank.

Service Fees

• Process fee – 200€
• Success fee – 159€

Please note that this cost does not cover the initial deposit or any monthly fees charged by the bank.

Refund Policy

In the event of a bank refusal or if the Client requests a refund, AnchorLess will refund 159€ of the service cost. This refund applies solely to the success fee. Please note that refund amounts may be reduced if a discount code was used during the purchase.

Disclaimer and Limitation of Liability

AnchorLess acts exclusively as an intermediary and does not provide banking services directly. The final decision to open a bank account is made solely by the bank, and AnchorLess cannot guarantee approval. By using our services, the Client acknowledges and agrees that AnchorLess is not liable for any decisions or actions taken by the bank. AnchorLess disclaims any liability for any losses, damages, or inconveniences arising from the bank's refusal to open an account or any other actions taken by the bank.

The Client agrees to hold AnchorLess harmless from any claims, liabilities, or expenses arising out of the use of our services.

Client Responsibility

The Client is responsible for providing accurate and complete information required for the bank account application. Any misrepresentation or omission of information may result in the bank's refusal to open the account, for which AnchorLess is not liable.

28. Service details — NIF Portugal

The Client hereby designates the Service Provider, AnchorLess, to act as their representative and to take all necessary actions on the Client's behalf for the creation of its NIF. AnchorLess acts solely as an intermediary between the Client and accredited Portuguese lawyers who will perform the actual legal work required to obtain the NIF.

The scope of work includes:

• Process fee – 60€
• Success fee – 39€

Delivery and Refund Policy

AnchorLess is committed to delivering your NIF on time. Should we fail to deliver the NIF by the agreed-upon deadline, you are entitled to a refund of the success fee amounting to 39€. This refund policy applies only if the delay is solely due to our oversight and does not cover delays caused by external factors beyond our control. To request a refund, please contact our support team with details of your service order. Refunds will be processed to your original method of payment within 15 days of the refund approval.

Cancellation Policy

If you wish to cancel your NIF application, you may do so within 24 hours of placing your order for a full refund of both the process fee and the success fee. Cancellations made after 24 hours but before the NIF is delivered will qualify you for a refund of the success fee only. To initiate a cancellation, please contact our support team with your order details. Refunds will be processed to your original method of payment within 15 days of cancellation approval. Please note that refund amounts may be reduced if a discount code was used during the purchase.

Intermediary Role

AnchorLess solely facilitates the connection between the Client and accredited Portuguese lawyers who undertake the legal work necessary for the NIF application. We do not provide legal advice or services directly. The actual provision of legal services is performed by independent legal professionals, and AnchorLess is not responsible for their actions or omissions. By using our services, you acknowledge and agree that AnchorLess acts only as an intermediary and is not liable for any actions or decisions taken by the Portuguese lawyers. All legal responsibilities and obligations rest with the independent legal professionals handling your case.

29. Service details — NISS Portugal

The Client hereby designates the Service Provider, AnchorLess, to act as their representative and to take all necessary actions on the Client's behalf for the creation of its NISS. AnchorLess acts solely as an intermediary between the Client and accredited Portuguese lawyers who will perform the actual legal work required to obtain the NISS.

The scope of work includes:

• Process fee – 80€
• Success fee – 49€

Delivery and Refund Policy

AnchorLess is committed to delivering your NISS on time. Should we fail to deliver the NISS by the agreed-upon deadline of 14 working days, you are entitled to a refund of the success fee amounting to 49€. This refund policy applies only if the delay is solely due to our oversight and does not cover delays caused by external factors beyond our control. To request a refund, please contact our support team with details of your service order. Refunds will be processed to your original method of payment within 15 days of the refund approval. Please note that refund amounts may be reduced if a discount code was used during the purchase.

Cancellation Policy

If you wish to cancel your NISS application, you may do so within 24 hours of placing your order for a full refund of both the process fee and the success fee. Cancellations made after 24 hours but before the NISS is delivered will qualify you for a refund of the success fee only. To initiate a cancellation, please contact our support team with your order details. Refunds will be processed to your original method of payment within 15 days of cancellation approval.

Intermediary Role

AnchorLess solely facilitates the connection between the Client and accredited Portuguese lawyers who undertake the legal work necessary for the NISS application. We do not provide legal advice or services directly. The actual provision of legal services is performed by independent legal professionals, and AnchorLess is not responsible for their actions or omissions. By using our services, you acknowledge and agree that AnchorLess acts only as an intermediary and is not liable for any actions or decisions taken by the Portuguese lawyers. All legal responsibilities and obligations rest with the independent legal professionals handling your case.

30. Service details — Tax representation

Engagement and Service Scope

The Client hereby engages the Service Provider, AnchorLess, to act as their intermediary for securing a Tax Representative, a supplementary service initiated alongside the NIF application process. This service is crucial for clients so we can provide a full service through accredited Portuguese lawyers.

Service Subscription and Fees

Upon subscribing to the NIF service, clients automatically receive the Tax Representation Service free for the first six months. After this period, unless cancelled by the client, the service will automatically renew for an annual fee of 149€. This fee recurs annually unless the client opts out.

Renewal Notifications

To ensure transparency and provide our clients with control over their subscription, AnchorLess sends two reminder emails one week prior to the end of the initial six-month period. These notifications include all necessary details for clients to review their subscription status and guide them on how to cancel if they choose not to continue.

Cancellation Policy

Cancelling the Tax Representation Service is straightforward. Clients may cancel at any time by following the simple steps outlined in the cancellation guide provided in the reminder emails, or by directly contacting our support team. To facilitate ease of cancellation, we ensure that the process is user-friendly and only requires an email to our support team.

Refund Policy

If a client is charged for the renewal and wishes to cancel, AnchorLess offers a full refund of the subscription fees if the client emails us within two weeks after the charge. Refunds are processed promptly to the client's original method of payment.

Intermediary Role

AnchorLess solely facilitates the connection between the Client and accredited Portuguese lawyers who act as the Tax Representatives. We do not provide tax representation services directly. The actual provision of tax representation is performed by independent legal professionals, and AnchorLess is not responsible for their actions or omissions. By using our services, you acknowledge and agree that AnchorLess acts only as an intermediary and is not liable for any actions or decisions taken by the Portuguese lawyers. All legal responsibilities and obligations rest with the independent legal professionals handling your case.

Commitment to Transparency

AnchorLess is committed to fair and transparent practices; we never charge for the Tax Representation Service without prior warning. Our goal is to ensure that our clients have full control over their subscriptions and can make informed decisions about their fiscal representation needs in Portugal.

31. Service details — Visa application dossier review

The Client hereby designates the Service Provider, AnchorLess, to act as their representative, along with their family members, and to take all necessary actions on the Client's behalf for the review of their visa application dossier. AnchorLess acts solely as an intermediary, facilitating the connection between the Client and accredited legal professionals in Portugal who will perform the actual review and provide guidance.

Disclaimer and Limitation of Liability

AnchorLess acts exclusively as an intermediary and does not provide visa application review services directly. The actual provision of these services is performed by independent legal professionals. By using our services, the Client acknowledges and agrees that AnchorLess is not liable for any decisions or actions taken by the legal professionals.

Client Responsibility

The Client is responsible for providing accurate and complete information required for the visa application dossier review. Any misrepresentation or omission of information may result in the refusal to approve the visa application, for which AnchorLess is not liable.

32. Service details — Document certification and notarization service

The Client hereby designates the Service Provider, AnchorLess, to act as their representative, along with their family members, and to take all necessary actions on the Client's behalf for the certification and notarization of documents. AnchorLess acts solely as an intermediary, facilitating the connection between the Client and accredited notaries and legal professionals in Portugal.

Disclaimer and Limitation of Liability / Client Responsibility

The Client is responsible for providing accurate and complete information required for the certification and notarization of documents. Any misrepresentation or omission of information may result in the refusal to certify and notarize the documents, for which AnchorLess is not liable.

33. Service details — Official translation of documents into Portuguese

The Client hereby designates the Service Provider, AnchorLess, to act as their representative, along with their family members, and to take all necessary actions on the Client's behalf for the official translation of documents into Portuguese. AnchorLess acts solely as an intermediary, facilitating the connection between the Client and persons accredited to translate who will perform the actual translation work.

Disclaimer and Limitation of Liability

AnchorLess acts exclusively as an intermediary and does not provide translation services directly. The actual provision of translation services is performed by independent persons accredited to translate. By using our services, the Client acknowledges and agrees that AnchorLess is not liable for any decisions or actions taken by the persons accredited to translate.

Client Responsibility

The Client is responsible for providing accurate and complete information and documents required for the translation. Any misrepresentation or omission of information may result in errors in the translation, for which AnchorLess is not liable.

34. Service details — Tax consultation

The Client hereby designates the Service Provider, AnchorLess, to act as their representative, along with their family members, and to take all necessary actions on the Client's behalf for tax consultation services. AnchorLess acts solely as an intermediary, facilitating the connection between the Client and accredited tax professionals who will perform the actual consultation work.

Disclaimer and Limitation of Liability

AnchorLess acts exclusively as an intermediary and does not provide tax consultation services directly. The actual provision of tax consultation services is performed by independent accredited tax professionals. By using our services, the Client acknowledges and agrees that AnchorLess is not liable for any decisions or actions taken by the accredited tax professionals.

Client Responsibility

The Client is responsible for providing accurate and complete information required for the tax consultation. Any misrepresentation or omission of information may result in errors in the consultation, for which AnchorLess is not liable.

35. Service details — Visa assistance package

The Client hereby designates the Service Provider, AnchorLess, to act as their representative, along with their family members, and to take all necessary actions on the Client's behalf for the Visa Assistance Package. AnchorLess acts solely as an intermediary, facilitating the connection between the Client and accredited legal professionals who will perform the actual visa assistance work. Additionally, AnchorLess provides content and checklists to assist the Client in the visa application process.

Disclaimer and Limitation of Liability

AnchorLess acts exclusively as an intermediary and does not provide visa assistance services directly. The actual provision of visa assistance services is performed by independent accredited legal professionals. By using our services, the Client acknowledges and agrees that AnchorLess is not liable for any decisions or actions taken by the accredited legal professionals. AnchorLess also provides content and checklists to assist the Client in the visa application process. While we strive to ensure that this content is accurate and helpful, we cannot take responsibility for the completeness or correctness of the information provided. The use of this content and checklists is at the Client's own risk, and AnchorLess disclaims any liability for any errors or omissions.

Client Responsibility

The Client is responsible for providing accurate and complete information required for the visa assistance. Any misrepresentation or omission of information may result in errors in the assistance process, for which AnchorLess is not liable.

36. Disclaimer of professional advisory services

Users of AnchorLess services are advised to perform their own due diligence and seek personalized advice from qualified professionals in the relevant field before making any financial, legal, or investment decisions. AnchorLess disclaims any liability for any loss or damage incurred as a result of reliance on the information or services provided through our platform.

By using our services, you acknowledge and agree that AnchorLess is not responsible for any outcomes related to the use of third-party professional services. AnchorLess is not a bank, accounting firm, tax/investment advisor, or law firm. We function solely as an intermediary, streamlining your connection with accredited financial and legal professionals. All services are performed by professionals accredited by their respective professional associations. For personalized advice, please consult with an attorney or financial advisor. AnchorLess provides a variety of content, including articles, videos, and other informational materials. This content serves a marketing purpose and is intended to offer general information to our clients. We strive to ensure the accuracy and usefulness of this content; however, we do not take responsibility for any errors or omissions.

The information provided should not be considered professional advice and is not a substitute for consultation with a qualified professional. Use of this content is at the Client's own risk, and AnchorLess disclaims any liability arising from its use. By using our services and accessing our content, you acknowledge and agree that AnchorLess is not responsible for any actions taken based on the information provided and that you should seek the advice of a qualified professional for advice specific to your situation.

37. Service details — NIE Spain

The Client hereby designates the Service Provider, AnchorLess, to act as their representative and to take all necessary actions on the Client's behalf for the obtention of their Spanish NIE (Número de Identificación de Extranjero). AnchorLess acts as an intermediary, coordinating with Spanish representatives and, where applicable, notarization partners, to facilitate the NIE application process.

Scope of Work:

The scope of work for the NIE service includes:

• Representation: Acting as the Client's representative before the relevant Spanish authorities using a Power of Attorney.
• Application Management: Managing the submission of the application and required documents on the Client's behalf.
• Collection: Physically attending the appointment at the designated police station to collect the issued NIE certificate.
• Digital Delivery: Delivering a digital copy of the final NIE certificate to the Client via email.
• Notarization Services (If applicable): For the "NIE with Notarization" package, coordinating the notarization and apostille of the Client's identity documents and Power of Attorney through our partner, Legitify.

Service Packages & Pricing:

• NIE Standard Service (€199): The Client is responsible for providing their own correctly notarized and apostilled Power of Attorney and proof of identity. This package includes AnchorLess's representation, collection, and digital delivery of the NIE.
• NIE with Notarization (€299): This all-inclusive package includes the services of our partner, Legitify, to notarize and apostille the Client's Power of Attorney and proof of identity, in addition to AnchorLess's representation, collection, and digital delivery of the NIE.

Delivery and Refund Policy

AnchorLess is committed to processing your NIE application efficiently and aims to meet the delivery time stated on our website. Should we fail to deliver your NIE within the advertised timeframe, you are entitled to a partial refund of €129.

This refund is applicable only if the delay is a direct result of an oversight or inaction by AnchorLess. This policy does not cover delays caused by external factors beyond our control, which include, but are not limited to: processing times and backlogs at the Spanish National Police, availability of appointments, requests for additional documentation by Spanish authorities, public holidays, or the Client's failure to provide accurate and complete information in a timely manner.

To request a refund under this policy, please contact our support team with your order details for a review.

Cancellation Policy

• For the NIE Standard Service (€199): You may cancel your order within 24 hours of purchase for a full refund, provided we have not yet scheduled an appointment or submitted any documents on your behalf. Cancellation requests after 24 hours are non-refundable.
• For the NIE with Notarization (€299): You may request to cancel this service within 24 hours of successfully submitting your documents to our partner, Legitify. A confirmation email will be sent upon submission, and this 24-hour cancellation window begins from the timestamp of that email.
• Upon cancellation within this period, your payment will be refunded minus a non-refundable fee of €139 to cover the costs of the notarization and apostille service, which is processed immediately by our partner.
• The total refundable amount under this condition will be €160.
• Cancellation requests made after this 24-hour period are not eligible for a refund as the legal and administrative processes will have already commenced.

To initiate a cancellation, please contact our support team with your order details. Approved refunds will be processed to your original method of payment within 15 business days.

Intermediary Role

AnchorLess acts solely as a facilitator and intermediary, connecting the Client with Spanish representatives who perform the necessary actions in Spain, and with our notarization partner, Legitify, for document processing. We do not provide legal or tax advice directly. The actual legal representation is performed by independent professionals in Spain, and the notarization is handled by Legitify. AnchorLess is not responsible for the actions, errors, or omissions of these third-party partners. By using our service, you acknowledge that AnchorLess's role is limited to coordination and administration, and you agree that all legal and notarial responsibilities rest with the respective independent professionals.

38. Service details — VFS scheduling service

1. Service Scope — The Company provides a "Digital Surveillance & Slot Acquisition" service. We monitor appointment availability 24/7 on your behalf to secure a slot based on your provided criteria. We are a private concierge and not affiliated with any government body or visa center.

2. Strict No-Refund & No-Change Policy — Due to the immediate allocation of monitoring resources:

• Non-Refundable: All fees are 100% non-refundable immediately upon payment.
• No Rescheduling: Once a slot is booked, we can't reschedule it. Should you wish to schedule a new appointment, the former would have to be cancelled, and a new bot would have to be set up, for which a new service fee would be charged.
• No Modifications: We are unable to change dates, locations, or applicant details once monitoring begins. Any changes would require a new paid service order.

3. One Applicant, One Fee — Each service fee covers the setup and monitoring for one single applicant. Group appointments require a separate fee and setup for each individual. AnchorLess is not responsible for the current rules established by VFS for family and minors' appointments.

4. Client Interference (Crucial) — To ensure success, you agree NOT to log in, refresh, or attempt to book on the portal yourself while our service is active.

Waiver: If you (or another agent) access the account, it may trigger security blocks. If this happens, the service is considered "failed due to interference," and no refund or restart will be provided.

If you schedule the appointment through another account and/or service while the bot is actively running, we will be unable to secure your appointment (using the same personal information) and the service will be cancelled without possibility of refund.

5. Visa fees — The company is not responsible for any fees that may be requested by VFS or the Portuguese Authorities at the time of the scheduled appointment.

39. Service details — Property Hunter Portugal

The Company agrees to provide the following services based on the package selected by the Client:

• Market Research: Identifying properties that match the agreed criteria.
• Screening: Pre-vetting listings to ensure availability and suitability.
• Visitations: Conducting physical or video visits of selected properties.
• Application Support: Assisting the Client in compiling and submitting rental applications.
• Lease Negotiation: Facilitating the signing of the lease agreement between the Client and the Landlord.

Fees and Payment

• Payment Terms: Full payment of the selected service package is required before the active search begins.
• Urgent Fee: If the Client opts for the "Urgent" service, this fee is due alongside the standard package fee.
• Third-Party Costs: The Company's fees cover the search service only. They do not cover the security deposit, first month's rent, or any agency fees charged by the landlord/listing agency.

Refund policy

We understand that plans can change. However, upon formal agreement, our agency immediately allocates resources and incurs administrative costs to set up your dedicated search. Therefore, our cancellation policy is structured as follows:

• Initial Search Phase (First 14 Days or 7 Days): All fees paid are considered non-refundable upon the Service Start Date to cover initial setup, agent allocation, and administrative onboarding. However, as a courtesy: If you submit a cancellation request within 14 days of the Service Start Date (or within 7 days if you paid the Urgent Fee), we may, at our sole discretion, review your case and consider a partial or full refund. This is not guaranteed and is determined on a case-by-case basis.
• Active Search Period (After 14 Days or 7 Days): After 14 days (or 7 days for Urgent Fee payers), the search is considered fully active with significant hours invested in market research, screening, and visitations. Cancellations after this period are strictly non-refundable, and the Company retains 100% of the fees paid to date to cover operational costs.

*The "Service Start Date" is defined as the calendar date on which the Client completes the payment for the service package.

40. Contact us

In order to resolve a complaint regarding the Services or to receive further information regarding use of the Services, please contact us at:

Zahard LTD

71-75 Shelton Street

London, England

WC2H 9JQ

United Kingdom

contact@anchorless.io