These Terms of Service ("Terms") govern your access to and use of the services provided by Millgaard Group ("Millgaard", "we", "us"), including our brokerage and advisory services, our Broker Board, and our communications on the WhatsApp Business Platform. By using our services or messaging us, you agree to these Terms.
Millgaard Group is a private brokerage and advisory firm operated from Funchal, Madeira, Portugal. We facilitate introductions between vetted counterparties and coordinate the compliance and documentation steps around a transaction. We are an intermediary; we are not a custodian, an exchange, or a bank, and we do not hold or move client funds.
Our services are intended for professional and institutional counterparties and their representatives. By using the services you confirm that you are acting in a business capacity, are authorised to do so, and are not barred from using our services under any applicable law or sanctions regime.
We communicate with you through WhatsApp, email, and calls in connection with a matter you have with us. We message you on WhatsApp only after you have contacted us first or where you have an active matter, and we use pre-approved notification templates when a conversation window has closed. You are responsible for keeping your contact details current and for the security of the device and account you use to communicate with us. Do not share confidential deal information over channels you do not control.
The Broker Board is provided to help you track your onboarding and active matters. Access links are personal to you and must be kept private. You are responsible for activity conducted through your session. We may suspend or revoke access to protect the integrity of the service or where these Terms are breached.
We may from time to time operate discretionary contribution or incentive programs. Any such program is described in separate materials provided to participants, is subject to review and approval, and may be changed or withdrawn. No program feature is a security, a deposit, a promise of profit, or a guarantee of value. Nothing in the service is investment, legal, tax, or financial advice.
The services are provided "as is" and "as available". We do not warrant that a match, introduction, meeting, or transaction will result, complete, or achieve any particular outcome. We coordinate paperwork and introductions; the decision to transact, and the transaction itself, are yours and your counterparty's.
To the maximum extent permitted by law, Millgaard is not liable for indirect, incidental, special, or consequential losses, or for lost profits, arising from your use of the services. Nothing in these Terms limits liability that cannot be limited under applicable law.
We may suspend or terminate access where we reasonably believe a legal, regulatory, security, or integrity concern exists, or where these Terms are breached. You may stop using the services at any time.
These Terms are governed by the laws of Portugal, and any dispute is subject to the jurisdiction of the competent courts of Portugal, without prejudice to any mandatory consumer or data-protection protections available to you.
Questions about these Terms: contact@millgaard.com. We may update these Terms from time to time; the effective date above reflects the latest version. See also our Privacy Policy.