Legal Notice and Terms of Use

Last Update: April 23, 2024

1. Legal Notice

This website (the “Site”) is published by MOSAIC Financial Services, a limited liability company with a share capital of 40,000 CHF, registered with the Register of Companies of Geneva under the number CHE-417.108.091, with its registered office at 3, place des Eaux-Vives, 1207 Geneva. Telephone: +41 22 707 42 75.

Publication Director: Mr. Philippe Bernieri

The Site is hosted by:

PlanetHoster
Rue de Cassonay 5
1023, Crisser, Switzerland
Telephone : + 41 31 528 01 41

2. Terms of Use of the Site

These terms of use apply to the Site provided by MOSAIC Financial Services (hereinafter referred to as “MOSAIC,” “we,” or “our”).

Our company provides customized financing and advisory solutions for real estate operators on all types of assets and transactions, whether it be acquisition, restructuring, development, or refinancing. We intervene across the entire capital structure – senior, mezzanine, equity – with the sole objective of creating maximum value for our clients.

The information contained on the Site does not constitute an offer of products, a recommendation and/or solicitation to purchase, nor a public call for savings. It also does not constitute investment advice or advice based on specific circumstances for potential investors or meeting their specific requirements for buying or selling financial instruments, nor an offer and/or solicitation by MOSAIC to provide investment advice or financial, legal, tax, or placement services.

Past performance is not indicative of future results. Before investing, each potential investor should consult a competent professional.

Any use of the Site is subject to these terms of use (the “Conditions”). You acknowledge that you have accepted these Conditions.

We reserve the right to review, modify, or delete all or part of these Conditions at any time, with the date of the last update indicated above. If you continue to use the Site after the effective date of these modified Conditions, you will be considered to have accepted these changes. If you refuse to accept the modified Conditions, your only option is to suspend the use of the Site.

3. Access to the Site, Errors, and Availability

We reserve all rights and legal remedies to prevent unauthorized use of the Site, including, in particular, through technological barriers and the tracking of IP addresses.

Access to the Site may require the use of your personal computer or mobile device as well as communication with these devices or the use of space on them. You are responsible for all Internet connection or mobile phone charges incurred when accessing the Site.

MOSAIC reserves the right to modify, suspend, or discontinue the Site and any functionality, at its sole discretion, at any time and without notice. You acknowledge that MOSAIC is not and will not be liable to you for any modification, suspension, or interruption of the Site.

MOSAIC may provide hyperlinks to third-party websites or other resources. You acknowledge and agree that MOSAIC is not responsible for the availability and relevance of these websites or resources. Hyperlinks to such sites or resources do not imply any endorsement by MOSAIC of these sites or resources or their content, products, or services available on these sites or resources. You acknowledge that you are solely responsible and assume all risks arising from your use of these sites or resources.

THE SITE IS PROVIDED “AS IS” AND YOU USE IT AT YOUR OWN RISK. MOSAIC DOES NOT WARRANT THAT THE SITE WILL BE ERROR-FREE, THAT ACCESS TO THE SITE WILL BE UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVERS THAT ALLOW US TO MAKE OUR SITE AVAILABLE TO YOU ARE OR WILL BE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

4. Ownership of the Site and its Elements

“MOSAIC” and other trademarks, slogans, texts, images, interfaces, and trade names appearing on the Site belong to MOSAIC or its licensors. Any use of MOSAIC’s trademarks, slogans, texts, images, interfaces, and trade names is prohibited. You shall not remove or modify any copyright notice, trademark, or other exclusive or restrictive notice or legend affixed to any material provided by MOSAIC.

The Site grants its users the right to reproduce all or part of the content of the Site for storage for representation and reproduction strictly for personal, private, and non-collective use, any networking, redistribution, or total or partial marketing of this content to third parties, in any form whatsoever, being strictly prohibited.

In addition to the rights of reproduction and storage as strictly defined above, and without prior and express authorization from MOSAIC, users of the Site are prohibited from reproducing and/or using the trademarks and logos of MOSAIC as well as modifying, copying, translating, reproducing, selling, publishing, exploiting, and disseminating, in digital or other form, all or part of the information, texts, photos, images, videos, content, and data on the Site.

It is your responsibility to ensure that your use of the Site complies with all applicable laws, rules, and regulations.

MOSAIC disclaims any liability for any failure on your part to comply with these laws, rules, regulations, or third-party terms and conditions.

MOSAIC will not be liable for any damages of any kind, whether direct or indirect, arising out of or in connection with third-party software downloaded or accessed from the Site.

5. Liabilities

You will indemnify and hold MOSAIC (including its directors, officers, employees, representatives, and agents) harmless from and against any and all demands, claims, actions, liabilities, losses, costs, damages, or expenses of any nature whatsoever (including reasonable attorneys’ fees) claimed, imposed on, or incurred by MOSAIC (including its directors, officers, employees, representatives, and agents) due to your breach of these Conditions or your use of the Site.

MOSAIC SHALL NOT BE LIABLE FOR DIRECT DAMAGES OR ANY OTHER DAMAGES OF ANY KIND, INCLUDING, IN PARTICULAR, LOSS OF USE, LOSS OF PROFITS, OR LOSS OF DATA, OR OTHERWISE, IN ANY WAY RELATED TO THE USE OR INABILITY TO USE THE SITE OR ANY MOSAIC CONTENT OR MEDIA, INCLUDING, IN PARTICULAR, DAMAGES CAUSED BY THE USE OF ANY INFORMATION PROVIDED BY MOSAIC OR RESULTING FROM ERRORS, OMISSIONS, INTERRUPTIONS, FILE DELETIONS OR EMAILS, ERRORS, DEFECTS, VIRUSES, OPERATION OR TRANSMISSION DELAYS, OR ANY FAILURE OF PERFORMANCE WHETHER OR NOT CAUSED BY NATURAL DISASTERS, COMMUNICATION FAILURES, THEFTS, ACTS OF DESTRUCTION, OR UNAUTHORIZED ACCESS TO MOSAIC FILES, PROGRAMS, OR SERVICES.

6. Personal Data

We are committed to protecting all personal data collected through our Site and to fully inform you of how your personal data is used and stored.

You have the right to access, rectify, and limit, as well as the right to oppose and portability, which you can exercise by sending an email admin@mosaicfin.com.

You also have the right to lodge a complaint with a National Data Protection Authority, such as the CNIL in France.

By leaving a message on the Contact page of this site, you consent to our collection of the personal data you provide in order to respond to your request.

The information collected from this form is recorded and transmitted to the staff within the Company in order to process your message.

Data is normally retained for five years from the end of the relationship. You can exercise your rights relating to your personal data at any time (including the right to rectification, erasure, opposition, portability, restriction, and withdrawal of your consent) by contacting the data controller.

7. Disputes

These Conditions shall be governed and construed in accordance with French law, without giving effect to principles of conflicts of laws.

8. Miscellaneous Provisions

If any part of these Conditions is deemed unlawful, void, or unenforceable for any reason, that part will be deemed deleted from these Conditions, and the remainder of these Conditions will not be affected. If we waive any provision of these Conditions, it shall not be considered a waiver of our rights. Any waiver of these Conditions must be expressed in a written document signed by an authorized representative of MOSAIC.