Legal information
Terms & Conditions
Last updated: 15 January 2026
These Terms & Conditions govern the use of the scandivoa.com website and related services operated by Scandivoa AB. By using the platform you accept these terms in full.
1. Parties
The agreement is entered into between you as user and Scandivoa AB, company registration number 559234-5678, with its registered office in Stockholm, Sweden.
2. Scope of the service
Scandivoa provides digital educational resources, calculation tools and informational material related to personal finance. The service does not constitute individual financial advice under the Swedish Financial Advisory Services to Consumers Act (2003:862).
3. Account and newsletter
Access to the newsletter requires an email address. You are responsible for the accuracy of the information you provide and for keeping any credentials secure.
4. Intellectual property
All content on the platform — text, images, software, the Scandivoa trademark — belongs to Scandivoa AB or its licensors and is protected by the Swedish Copyright Act (1960:729).
5. Limitation of liability
Scandivoa is not liable for financial decisions taken based on general content. Any liability is always limited to the amount the user has actually paid for a specific service during the last 12 months.
6. Force majeure
Scandivoa is not responsible for delays or disruptions caused by circumstances beyond our control, such as governmental decisions, strikes or wider outages of the internet infrastructure.
7. Changes
We reserve the right to update these terms. Material changes are notified by email or on the website at least 30 days before they take effect.
8. Governing law and disputes
Swedish law applies. Disputes shall be settled in the first instance by the Stockholm District Court. Consumers may also contact the National Board for Consumer Disputes (ARN), Box 174, 101 23 Stockholm.
9. Contact
Questions about these terms can be sent to legal@scandivoa.com.