Last updated: 15th January 2026
These Terms of Service ("Terms") govern your use of the website and services provided by torona GmbH (registration number FN492781s), a company incorporated in Austria with its registered office at Hernalser Hauptstraße 32, 9577 Villach, Carinthia, Austria ("torona", "we", "us", or "our"). By accessing or using our website or services, you agree to be bound by these Terms and our Privacy Policy.
torona provides professional liquidity management services specifically designed for legal and financial institutions. Our services include cash flow analysis, strategic planning, risk assessment, regulatory compliance support, and related financial advisory services. All services are provided in accordance with Austrian and European Union regulatory requirements.
When using our website and services, you agree to:
Our liquidity management services are provided under separate professional services agreements that will specify the scope of work, fees, deliverables, and other terms specific to your engagement. These Terms supplement but do not replace such professional services agreements. In the event of any conflict between these Terms and a professional services agreement, the professional services agreement shall prevail.
All content on our website, including text, graphics, logos, images, software, and other materials, is the property of torona or its licensors and is protected by Austrian and international copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, transmit, display, reproduce, or create derivative works from any content without our prior written consent. Any methodologies, processes, or know-how developed by torona in the course of providing services remain our intellectual property.
We understand that our services may involve access to confidential and sensitive financial information. torona maintains strict confidentiality standards and will protect all client information in accordance with professional standards, applicable laws, and our Privacy Policy. We will not disclose confidential information except as required by law, regulation, or with your explicit consent.
To the maximum extent permitted by Austrian law, torona's total liability for any claims arising from or relating to these Terms or our services shall not exceed the amount of fees paid by you to torona in the twelve months preceding the claim. We shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, regardless of whether we have been advised of the possibility of such damages. This limitation applies to all theories of liability, whether based on contract, tort, negligence, or otherwise.
While we strive to provide accurate and reliable liquidity management services, all advice and recommendations are provided based on the information available at the time and are subject to changing market conditions, regulatory requirements, and other factors beyond our control. You acknowledge that financial markets involve inherent risks and that past performance does not guarantee future results. We recommend that you seek independent professional advice before making significant financial decisions based on our services.
torona operates in compliance with Austrian and European Union financial regulations. However, you remain responsible for ensuring that your use of our services complies with all applicable laws and regulations in your jurisdiction. We reserve the right to modify our services or these Terms to maintain compliance with changing regulatory requirements.
These Terms shall be governed by and construed in accordance with the laws of Austria, without regard to its conflict of law principles. Any disputes arising from or relating to these Terms or our services shall be subject to the exclusive jurisdiction of the courts of Austria. If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
Either party may terminate the use of our website or services at any time with reasonable notice. torona reserves the right to suspend or terminate access to our website or services immediately if you violate these Terms or engage in any conduct that we determine, in our sole discretion, to be inappropriate or harmful to our business or other users. Upon termination, all rights and obligations under these Terms shall cease, except for those provisions that by their nature should survive termination, including confidentiality, intellectual property, limitation of liability, and governing law provisions.
torona shall not be liable for any failure or delay in performance of our obligations under these Terms that is due to causes beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, labour disputes, government actions, or technical failures. In such events, we will use reasonable efforts to resume performance as soon as practicable.
We reserve the right to modify these Terms at any time by posting updated Terms on our website. Your continued use of our website or services after such modifications constitutes your acceptance of the updated Terms. We recommend that you review these Terms periodically to stay informed of any changes.
These Terms, together with our Privacy Policy and any applicable professional services agreements, constitute the entire agreement between you and torona regarding your use of our website and services. These Terms supersede all prior or contemporaneous communications and proposals, whether oral or written, between you and torona.
If you have any questions about these Terms or our services, please contact us:
torona GmbH
Hernalser Hauptstraße 32
9577 Villach, Carinthia, Austria
Registration Number: FN492781s
Email: legal@torona.world
Phone: +43 4245707265