Terms and Conditions

Last updated: 31.07.2026

1. Parties, purpose and acceptance

1.1. The owner and operator of belayer.bg (the “Site”) is Belayer OOD, UIC 204792388, with its registered office at 7 Industrialna St., floor 3, office 1, Serdika district, Sofia, Bulgaria (“Belayer”, “we”). Contact: team@belayer.bg.

1.2. These Terms and Conditions (“Terms”) govern access to and use of the Site and the information society services provided through it (Article 3 of the Bulgarian Electronic Commerce Act).

1.3. By accessing, viewing or using any feature of the Site, you (the “User”) declare that you are at least 18, have read and accept these Terms. If you do not agree, please stop using the Site.

2. Definitions

“Content” — all texts, data, charts, images, logos, video/audio, code and databases on the Site.

“Forms” — electronic enquiry/meeting forms, an appropriateness questionnaire and a newsletter subscription form.

3. Nature of the information. No individual advice or offer

3.1. The Site’s Content is informational and promotional. Nothing on the Site constitutes (i) individual or general investment advice, (ii) a recommendation within the meaning of EU or national law, or (iii) an offer, invitation, or inducement to enter into a transaction in financial instruments or crypto-assets.
3.2. We do not provide individual advice through the Site. Individual portfolios are structured only after an appropriateness questionnaire and a personal meeting to establish an individual investment mandate.

3.3. Past results and simulations do not guarantee future returns. Crypto-assets are high risk and total loss of invested capital is possible. Seek independent professional advice before making a decision.

4. Regulatory status and territorial scope

4.1. Belayer is a licensed crypto-asset service provider under the Bulgarian Financial Supervision Commission’s Decision No. 276-ДУКА of 28.04.2026, entered in the FSC register under Licence No. 001-ДУКА/07.05.2026, authorizing the Company to provide crypto-asset portfolio management, custody and administration of crypto-assets on behalf of clients, and execution of orders in crypto-assets on behalf of clients.
4.2. The Site and the information on it are intended for persons with Bulgarian citizenship and for use in accordance with Bulgarian law. Access or use from territories or jurisdictions where such content would be contrary to law is not permitted.

5. Access and permitted use

5.1. The Site is intended for persons aged 18 or over.
5.2. The following are prohibited: (a) circumventing technical measures; (b) introducing malicious code; (c) automated content extraction (scraping) without express written consent; (d) actions affecting the normal operation, security, or reputation of the Site; and (e) use that circumvents applicable law.

5.3. Belayer may temporarily restrict or suspend access for maintenance, updates, force majeure or breach of these Terms.

6. Site features

6.1. The Site is informational and does not support user accounts/authentication.
6.2. When completing Forms, you must provide accurate, complete and up-to-date information. You are responsible for the consequences of inaccurate or incomplete data. You can unsubscribe from the newsletter via the link in each email.

7. Privacy, cookies and tracking technologies

7.1. We process personal data in accordance with our Privacy Policy.
7.2. We use cookies in accordance with the Cookie Policy at /cookies-policy. Preferences are managed through the banner/browser.

7.3. The Site uses Google Analytics and Meta (Facebook) Pixel for statistics and marketing. Details and legal bases are set out in the Privacy Policy.

8. Intellectual property

8.1. All rights in the Content belong to Belayer OOD or the relevant rights holders and are protected by applicable copyright, trademark and other laws.
8.2. Viewing for personal, non-commercial purposes only is permitted. Any copying, reproduction, modification, translation, public display, database extraction, or distribution without prior written consent is prohibited, except as permitted by law.

8.3. The Belayer logo is a registered trademark. Nothing on the Site grants a licence to use it without Belayer's express written consent.

9. Information accuracy, external links and disclaimer of warranties

9.1. We make reasonable efforts to ensure accuracy and currency, but the Content is provided “as is” and “as available,” without express or implied warranties of fitness, accuracy, completeness, uninterrupted availability, or compatibility.

9.2. The Site may link to external sites; Belayer does not control or assume responsibility for their content, policies or security.

10. Limitation of liability

10.1. To the fullest extent permitted by law, Belayer, its managers, employees, and affiliates shall not be liable for any direct, indirect, consequential, punitive, or other damages, lost profits, expenses, or losses (including losses from crypto-asset transactions) arising from or related to access to, use of, or inability to use the Site, the Content, external links, technical failures, viruses, incompatibility, or human error.
10.2. Nothing here excludes or limits liability that cannot be excluded or limited under applicable law.

11. Indemnification

The user agrees to indemnify and defend Belayer against third-party claims arising from a breach of these Terms, applicable law or third-party rights when using the Site.

12. Changes to the Site and Terms

12.1. Belayer may amend the Content, functionality and/or these Terms at any time. The current version is available on this page with a last-updated date.

12.2. Continued use of the Site after changes are published constitutes acceptance of the amended Terms.

13. Force Majeure

Neither party is liable for delay or non-performance caused by an event beyond its reasonable control (force majeure under the Commercial Act/general civil-law principle), including but not limited to natural disasters, war, strikes, failures, interruptions to power or communications services, and regulatory acts.

14. Complaints and contact

14.1. You may submit questions and complaints about the company's services in accordance with Complaints Handling Policy. 

14.2. If you are a “consumer” under Bulgarian consumer protection law, you may contact the Consumer Protection Commission (kzp.bg) or use the European Commission's online dispute resolution platform (ec.europa.eu/consumers/odr).

15. Governing law, competent court and severability

15.1. These Terms are governed by Bulgarian law.
15.2. Disputes arising from or in connection with the Terms or use of the Site are submitted to the competent court in Sofia, unless mandatory law provides otherwise.

15.3. If any provision is invalid or unenforceable, the rest remains valid. The provision will be replaced by the applicable default rule or interpreted as closely as possible to its economic purpose.

16. Language and precedence

The Terms are in Bulgarian. If a translation is provided, the Bulgarian text prevails in the event of any conflict.