Last updated: 14 April 2025

1. Acceptance of Terms
By accessing the website epiphany.lu (the “Website”), operated by Circle Securitization S.à r.l. (hereinafter “Epiphany”, “we”, or “us”), you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree with these Terms, you must refrain from using the Website.

2. Lawful Use
The use of this Website is only permitted in accordance with applicable laws. Any misuse of the contact details published on this Website for unsolicited advertising (e.g. spam) is prohibited and may result in legal consequences.

3. Access Restrictions
This Website is intended exclusively for individuals and entities legally permitted to access such content under their respective jurisdictions. You confirm that:

• You are not accessing this Website from a jurisdiction where its content is illegal or restricted

• No financial instruments referred to on this Website are offered or sold to U.S. persons or in jurisdictions where such offers would be unlawful

• It is your responsibility to ensure that your use of this Website complies with all applicable laws and regulations

The information provided does not constitute investment advice, an offer, or a recommendation to buy or sell financial instruments. It is purely informational and should not be relied upon for financial decisions.

4. No Offer or Advice
The content of this Website constitutes marketing information and does not represent investment advice or a financial recommendation. It does not consider your personal financial situation, objectives, or investment profile. Before making any investment decision, users are encouraged to consult independent legal, tax, and financial advisors.

Although Epiphany makes reasonable efforts to keep the content accurate and up to date, we cannot guarantee the completeness, accuracy, or relevance of any content on the Website.

5. User Conduct
Users may not:

• Access the Website if doing so would violate local laws

• Upload or transmit unlawful, defamatory, obscene, or malicious content

• Attempt to compromise or damage the Website or its infrastructure (e.g. via malware or unauthorized access)

Any misuse of this Website may result in legal action.

6. Intellectual Property
All content on this Website, including text, graphics, logos, and design, is the property of Epiphany or its licensors and is protected under applicable copyright and trademark laws. You may not copy, distribute, modify, or reuse content without our prior written consent.

7. Liability Disclaimer
While we aim to maintain accurate and current content, Epiphany does not guarantee the completeness, correctness, or availability of the Website or any content therein.

To the fullest extent permitted by law, Epiphany disclaims all liability for damages or losses (including indirect or consequential damages) arising from:

• Use or unavailability of the Website

• Reliance on content provided

• Technical faults or delays in electronic communications

Nothing in these Terms shall limit or exclude liability for gross negligence, fraud, or personal injury where such liability cannot be legally excluded.

8. Third-Party Links
The Website may contain links to third-party websites. Epiphany assumes no responsibility for the content, accuracy, legality, or functionality of such websites. Accessing external sites is at your own risk.

9. Data Protection
For information about how we collect and process personal data, please refer to our Privacy Policy available at epiphany.lu.

10. Modifications to the Terms
We reserve the right to update or modify these Terms of Use at any time without prior notice. Continued use of the Website after any such changes constitutes your agreement to the updated Terms. The current version is always available at epiphany.lu.

11. Applicable Law and Jurisdiction
These Terms of Use are governed by the laws of Luxembourg, unless otherwise required by mandatory provisions. The courts located at the registered office of Circle Securitization S.à r.l., Rue d’Arlon 68, L-8399 Windhof (Koerich), Luxembourg, shall have exclusive jurisdiction over all disputes arising out of or in connection with this Website.

12. Contact
If you have any questions or concerns regarding these Terms of Use, please contact:

Circle Securitization S.à r.l.
Rue d’Arlon 68
L-8399 Windhof (Koerich)
Luxembourg
R.C.S. Luxembourg: B260605
Email: info@epiphany.lu
Phone: +49 170 5592806