Last updated: Feb 2nd, 2026

Welcome to Weltis! We're thrilled to have you here. Before you dive in, please take a moment to read these Terms and Conditions carefully. By using our website, platform, and services (collectively, the "Services"), you agree to be bound by these Terms. If you have any questions, please feel free to reach out to us at [email protected].

1. Introduction to Weltis and Financial Planning

Weltis, trading name of Vectis Invest B.V. (hereinafter "Weltis", "we", "us", or "our"), is a Dutch company providing financial education, coaching, and digital tools designed to empower you to better understand and manage your personal finances.

Weltis offers financial planning services which are educational and guidance-oriented. We provide:

• Educational Content: Access to our online platform with informational materials on various financial topics.
• Coaching Sessions: Opportunities to engage in coaching sessions with professionals who provide general financial guidance and support.
• Financial Tools: Digital tools to help you organize your financial information, track progress, and explore financial concepts.

Important Disclaimer: Weltis does not provide regulated financial advice. It is crucial to understand that Weltis and its coaches do not provide regulated financial advice as defined by applicable financial regulations (including MiFID II). Our Services are for educational and informational purposes only. We do not offer personalized recommendations on specific financial products. Our coaching provides general guidance and is not a substitute for advice from a regulated financial advisor. If you require specific financial, investment, legal, or tax advice tailored to your individual circumstances, you should consult with a qualified professional.

2. Eligibility

Our Services are available only to individuals who:

• Are at least 18 years old.
• Are residents of the European Union.
• Are not citizens of the United States.

By using our Services, you represent and warrant that you meet these eligibility criteria. If you do not meet these criteria, you are prohibited from using our Services and must not access our platform or engage with our coaches.

3. Your Account and Responsibilities

To access and use certain features of our Services, you will need to create an account. You agree to:

• Provide accurate, current, and complete information during the registration process and maintain the accuracy of this information.
• Keep your account login credentials or links confidential and secure.
• Be fully responsible for all activities that occur under your account, whether authorized by you or not.