Terms & Conditions of Use and Service
Last updated: 3 October 2026
1. Who we are. This website (solvxcapital.net) and the services described on it are operated and provided by TL Cross-Border Legal and Investments Solutions OOD, a limited liability company registered in Bulgaria, VAT BG208656962 (“SolvX”, “we”, “us”). SolvX Capital is our trading name.
2. Scope. These Terms govern (a) your use of the website and the online platform, and (b) the consulting and negotiation services we provide. Where you engage us for services, you will also sign a Client Agreement; if these Terms and the Client Agreement conflict, the Client Agreement prevails.
3. Nature of our services. We provide analysis of debt positions, restructuring strategy and negotiation with creditors on the client’s instructions. We are not a credit institution, payment or e-money institution, investment firm, credit servicer, debt purchaser or debt-collection agency, and we do not provide investment advice or hold client funds. Legal advice and representation are provided only by admitted attorneys under a separate engagement (Greece: Δικηγορικό Γραφείο Θέμη Λάζου & Συνεργάτες; Bulgaria: cooperating attorneys), which we will offer you in writing when your matter requires it.
4. No guarantee of outcome. Any settlement depends on the creditor’s decision. We do not guarantee any reduction, timeline or result. Examples on this website describe past matters and are not predictions.
5. Use of the website and platform. You must be at least 18, provide accurate information, keep your login credentials confidential, and use the platform only for your own matter or that of a company you are authorised to represent. You must not attempt to access other users’ data, interfere with the platform, or upload unlawful content. We may suspend access to protect security or comply with law.
6. Information you provide. You are responsible for the accuracy and completeness of documents and information you give us. Negotiations conducted on inaccurate information may fail or be reversed by the creditor; we are not liable for consequences of inaccurate information.
7. Fees and payment. Fees are stated in the Client Agreement and are payable by bank transfer to the account published on our Payment Instructions page, against invoice. Fees are net of VAT unless stated otherwise. Late payment accrues statutory interest under Bulgarian law. We may suspend work while an invoice is overdue by more than 14 days, after written notice.
8. Client identification. Before providing services we identify clients in accordance with Bulgarian anti-money-laundering legislation and EU rules. We may decline or terminate an engagement if identification cannot be completed.
9. Consumer right of withdrawal. If you are a consumer (a natural person acting outside a trade or profession) and you conclude the Client Agreement at a distance, you may withdraw within 14 days of conclusion without giving reasons, by sending a clear statement to info@solvxcapital.net (a model form is in the Client Agreement, Annex 2). If you asked us to begin work during that period, you will pay a proportionate amount for services performed up to withdrawal. The right of withdrawal is lost once a stage has been fully performed at your express request.
10. Intellectual property. The website, platform, software, analytical models, reports and all content are our property or licensed to us. Reports we deliver to you may be used for your own matter only.
11. Confidentiality. We keep all client information confidential (see Security & Confidentiality page and the Client Agreement). Information is shared with creditors only with your written approval.
12. Data protection. Personal data is processed in accordance with our Privacy Policy.
13. Liability. We perform our services with professional care. To the extent permitted by law, our aggregate liability for any claim arising from a service is limited to the fees paid by you for that service, and we are not liable for indirect or consequential loss. Nothing in these Terms excludes liability for wilful misconduct, gross negligence, death or personal injury, or any liability that cannot be excluded by law, including mandatory consumer protections.
14. Third-party links and tools. The website may link to third-party sites (registers, regulators, creditors). We are not responsible for their content.
15. Complaints. Write to info@solvxcapital.net. We acknowledge within 3 business days and respond substantively within 15 business days. Consumers may also use the EU online dispute resolution platform (https://ec.europa.eu/consumers/odr) and, in Bulgaria, the Commission for Consumer Protection (kzp.bg); Greek consumers may address the Hellenic Consumer Ombudsman (synigoroskatanaloti.gr).
16. Governing law and jurisdiction. These Terms are governed by Bulgarian law. Disputes are submitted to the competent court in Sofia, Bulgaria, except that consumers may bring proceedings in the courts of their own domicile and retain the mandatory protections of their national law.
17. Changes. We may update these Terms; the current version is always published here with its date. Changes do not affect Client Agreements already concluded unless you agree.
18. Language. These Terms are drafted in English. Greek and Bulgarian translations are provided for convenience; in case of discrepancy the English text prevails, without prejudice to consumers’ right to receive contractual information in their language under applicable law.