Terms & Conditions

Last updated: 13 October 2026

1. About these terms

These terms govern your use of the Garoud & Co. website. Garoud & Co. is operated by Djamal Garoud. By using the website, you agree to use it in accordance with these terms and applicable law.

2. Informational purpose only

The content of this website is provided for general informational purposes. Nothing on the website constitutes investment advice, financial advice, legal advice, tax advice, an offer or solicitation to buy or sell securities or other financial instruments, or a commitment to enter into any transaction.

3. No advisory or client relationship

Accessing this website or communicating with Garoud & Co. does not by itself create an advisory, fiduciary, agency, partnership or client relationship. Any engagement or transaction would be subject to separate discussions, due diligence and, where appropriate, written agreements.

4. Accuracy and availability

Garoud & Co. seeks to present information in a considered manner but does not warrant that website content is complete, current or error-free. The website may be changed, suspended or withdrawn without notice. To the extent permitted by law, Garoud & Co. is not liable for loss arising solely from reliance on general information published on this website.

5. Third-party services and links

The website may rely on third-party infrastructure or contain links to third-party websites. Garoud & Co. is not responsible for the content, availability or practices of independent third parties.

6. Intellectual property

Unless otherwise stated, the website design, text, branding and original content are owned by or used with permission by Garoud & Co. You may view the website for personal or internal business purposes, but you may not reproduce, republish or commercially exploit substantial parts of it without prior permission.

7. Acceptable use

You must not misuse the website, attempt to interfere with its security or operation, submit unlawful or malicious material, or use automated means in a manner that imposes an unreasonable burden on the website.

8. Privacy

Personal data is handled as described in the Privacy Policy.

9. Governing law

These terms are governed by Swedish law. Any dispute relating to the website will be subject to the jurisdiction of the competent Swedish courts, unless mandatory law provides otherwise.

10. Contact

For enquiries concerning these terms, the responsible person is Djamal Garoud, operating as Garoud & Co. A dedicated contact channel will be provided once established.