Imprint

Information Pursuant to § 5 TMG (German Telemedia Act)

LYVA INVEST is a professional investment advisory service operated as a sole proprietorship under German commercial law by Olivia Kubon. Our principal place of business and registered office is located at Kurhausstraße 27, 97688 Bad Kissingen, Federal Republic of Germany. We operate in full compliance with German financial services regulations, European Union directives including MiFID II (Markets in Financial Instruments Directive), and all applicable consumer protection legislation across member states of the European Economic Area.

The proprietor, Olivia Kubon, maintains full personal liability for all business operations and advisory services provided under the LYVA INVEST brand. This structure ensures direct accountability and personal responsibility for all client relationships, investment recommendations, and business commitments made in the course of our advisory practice.

Our advisory services encompass three primary domains of wealth building and capital preservation: strategic real estate investment opportunities in premium German locations with focus on Munich, Frankfurt, and other economically significant metropolitan areas; comprehensive portfolio construction and management advisory covering equities, fixed income, alternative investments, and strategic asset allocation; and facilitated access to blue-chip art investment opportunities through verified institutional partnerships, primarily through our relationship with Opus, a regulated art investment platform.

Contact Information and Business Hours

For all inquiries regarding our advisory services, appointment scheduling, or general information requests, clients and prospective clients may reach us through multiple channels. Our primary telephone contact is +49 1575 6400111, which is monitored during standard German business hours (Monday through Friday, 9:00 to 18:00 CET/CEST). Messages left outside business hours receive response within one business day.

Email correspondence should be directed to info@lyvainvest.com. We maintain professional email systems with encrypted transmission protocols to protect client confidentiality. Response time for email inquiries is typically within 24 business hours for existing clients and within 48 business hours for new inquiries. Urgent matters requiring immediate attention should be communicated via telephone.

Our website www.lyva-invest.com serves as the primary digital presence for LYVA INVEST, providing comprehensive information about our service offerings, investment philosophy, market perspective, and approach to client relationships. The website is maintained in accordance with German and European Union regulations governing commercial websites, including compliance with GDPR (General Data Protection Regulation) and ePrivacy Directive requirements.

Physical office visits are accommodated by appointment only. Our office facilities at Kurhausstraße 27 in Bad Kissingen provide private consultation spaces suitable for confidential financial discussions. Clients requiring meetings outside our primary office location may request consultation at alternative venues, subject to availability and appropriate advance notice.

Tax Identification and VAT Registration

LYVA INVEST operates as a registered sole proprietorship under German tax law with full compliance to all applicable taxation requirements. Our tax identification number (Umsatzsteuer-Identifikationsnummer according to §27a Umsatzsteuergesetz) is DE920520140647. This VAT identification number is used for all value-added tax transactions within Germany and for cross-border services provided to clients in other European Union member states.

The personal tax identification number (Steuer-Nr) assigned by the German tax authorities is 75324807191, issued by the Finanzamt Bad Kissingen. This identification number is used for income tax purposes and all tax-related correspondence with German fiscal authorities. Clients requiring tax documentation for their own tax filings will receive properly formatted invoices and service documentation containing all legally required tax information.

For clients outside Germany requiring tax documentation for their home jurisdiction, we provide comprehensive service records and fee documentation suitable for submission to foreign tax authorities. However, clients are responsible for determining the tax treatment of advisory fees in their home jurisdiction and should consult with qualified tax professionals in their country of residence regarding deductibility and reporting requirements for investment advisory services.

Professional Liability Insurance and Client Protection

LYVA INVEST maintains comprehensive professional liability insurance (Vermögensschadenhaftpflichtversicherung) as required under German law for financial advisory services. This insurance coverage protects clients against financial losses resulting from errors, omissions, or professional negligence in the provision of our advisory services. The insurance coverage extends across Germany and throughout the European Union, ensuring client protection regardless of service delivery location.

Our insurance policy meets or exceeds the minimum coverage requirements established by German financial services regulations. The policy includes coverage for professional errors in investment recommendations, failures in due diligence processes, and omissions in disclosure of material information relevant to investment decisions. Coverage limits and specific terms are available upon request from current or prospective clients.

The insurance provider and policy details are maintained on file and available for inspection by clients or regulatory authorities upon request. We continuously evaluate our insurance coverage to ensure it remains adequate given the scope and scale of our advisory practice and the risk profiles of client engagements.

Beyond insurance protection, LYVA INVEST maintains rigorous internal compliance procedures, regular review of advisory recommendations, documented decision-making processes, and comprehensive record-keeping systems designed to prevent errors and ensure quality service delivery. These operational safeguards complement our insurance coverage to provide multiple layers of client protection.

Regulatory Authority and Supervisory Bodies

LYVA INVEST operates under the regulatory framework established by German federal law governing financial services, including the Kreditwesengesetz (KWG - German Banking Act), the Wertpapierhandelsgesetz (WpHG - Securities Trading Act), and the Finanzanlagenvermittlungsverordnung (FinVermV - Financial Investment Brokerage Regulation). While independent investment advisors may not require licensing from the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin - Federal Financial Supervisory Authority) for certain advisory-only services, we maintain full compliance with all applicable provisions of German financial services law.

Our business operations and professional conduct are subject to oversight by the Industrie- und Handelskammer (IHK - Chamber of Industry and Commerce) for our region. We maintain current registration with the appropriate trade registry and comply with all reporting requirements, continuing education mandates, and professional conduct standards established by the relevant chamber of commerce.

For real estate advisory services specifically, we adhere to regulations governing real estate advisory and brokerage activities in Germany. Our art investment facilitation services are provided in cooperation with licensed and regulated partners who maintain appropriate authorizations for art investment platforms and alternative investment facilitation.

Editorial Responsibility and Content Accountability

According to § 55 Abs. 2 RStV (Rundfunkstaatsvertrag - Interstate Broadcasting Treaty), the person responsible for all editorial content published on this website, including all written materials, market commentary, investment perspectives, service descriptions, and digital communications is Olivia Kubon, proprietor of LYVA INVEST, with registered address at Kurhausstraße 27, 97688 Bad Kissingen, Germany.

This designation of editorial responsibility ensures full transparency regarding content ownership and provides clients, regulators, and other stakeholders with a clear point of accountability for all published materials appearing on our website, in our marketing materials, in client communications, and across any digital platforms operated under the LYVA INVEST brand.

All content published by LYVA INVEST is created in accordance with professional standards governing financial services marketing and communications. We adhere to principles of accuracy, clarity, fair representation, and appropriate disclosure in all public-facing materials. Investment commentary and market perspectives reflect our genuine professional opinions formed through diligent research and analysis, but do not constitute guaranteed predictions or recommendations suitable for all investors.

Third-party content, when referenced or linked from our digital properties, remains the responsibility of the original publisher. LYVA INVEST does not assume liability for the accuracy, completeness, or appropriateness of third-party content, though we make reasonable efforts to link only to reputable sources and to verify material information when incorporating third-party research or data into our own analysis.

Alternative Dispute Resolution and Consumer Protection

The European Commission provides a platform for online dispute resolution (ODR) accessible at https://ec.europa.eu/consumers/odr. This platform is designed to facilitate out-of-court settlement of disputes arising from online transactions between consumers and businesses within the European Union. The platform allows consumers to submit complaints and supports resolution through certified alternative dispute resolution entities across EU member states.

LYVA INVEST is not willing or obliged to participate in dispute resolution proceedings before a consumer arbitration board (Verbraucherschlichtungsstelle). As our advisory services are provided on a professional basis to clients who are typically not classified as consumers within the meaning of consumer protection legislation, the mandatory participation requirements for consumer arbitration do not apply to our business operations.

However, we are committed to addressing any client concerns or disputes through direct communication and professional resolution processes. Clients with complaints or concerns about our services are encouraged to first contact us directly to seek resolution. We maintain internal complaint handling procedures designed to address client concerns promptly, fairly, and comprehensively.

In the event that direct resolution is not achieved, clients retain all legal rights to pursue claims through appropriate legal channels, including civil litigation in competent German courts or, for clients in other jurisdictions, through appropriate legal processes in their home country, subject to applicable jurisdiction and choice of law provisions in client service agreements.

Limitation of Liability for Website Content

As a service provider within the meaning of § 7 paragraph 1 of the Telemediengesetz (TMG - German Telemedia Act), LYVA INVEST is responsible for our own content published on this website in accordance with general laws. This responsibility encompasses all text, images, graphics, data, and other materials that we create, publish, or authorize for publication under our editorial control.

According to §§ 8 to 10 TMG, as a service provider we are not obligated to monitor third-party information transmitted or stored on our systems, nor are we obligated to investigate circumstances indicating illegal activity in the absence of concrete evidence. This limitation applies to information that may be accessible through our website but originates from third parties.

Obligations under general law to remove or block the use of information remain unaffected by these limitations. However, liability for third-party content is only possible from the point in time at which we gain actual knowledge of a specific infringement. Upon becoming aware of legal violations, we will remove infringing content immediately and take appropriate action to prevent further dissemination.

The content on our website, particularly investment commentary, market analysis, and financial perspectives, is provided for informational purposes and represents our professional opinions and analysis. This content should not be construed as personalized investment advice, recommendations to buy or sell specific securities, or guarantees of investment performance. All investment decisions should be made only after consultation with qualified professionals and thorough personal due diligence appropriate to individual circumstances.

We make reasonable efforts to ensure the accuracy and currency of information published on our website. However, financial markets are dynamic, regulations evolve, and circumstances change rapidly. We do not guarantee that all information on our website is current, complete, or applicable to specific situations. Users should verify critical information independently before relying on it for important decisions.

Liability for External Links and Third-Party Content

This website contains links to external websites operated by third parties, over whose content and operations LYVA INVEST exercises no control and for which we assume no responsibility. The respective provider or operator of the external website is solely responsible for the content, legality, accuracy, and appropriateness of materials published on linked websites.

External websites were reviewed for potential legal violations at the time of linking. No illegal content was apparent or recognizable at the time links were established. However, permanent monitoring of linked website content is not reasonable or feasible without concrete indications of legal violations or inappropriate content.

We do not adopt third-party content as our own merely by providing links to external sites. Links are provided for user convenience and to reference sources of additional information that may be relevant to topics discussed on our website. Inclusion of a link does not constitute an endorsement of the linked site, its operator, or any products, services, or viewpoints expressed on the linked site.

Upon becoming aware that a linked external site contains illegal content, promotes illegal activity, or violates applicable laws or regulations, we will remove the relevant link immediately. Users who become aware of problematic content on sites linked from our website are encouraged to inform us promptly so that we can review and take appropriate action.

Links to our website from third-party sites are generally permitted without requiring advance permission, provided that such links do not misrepresent our services, create confusion about affiliation or endorsement, or present our content in a misleading context. Deep linking directly to specific pages within our website is permitted subject to the same conditions. Framing of our content within third-party websites is not permitted without express written authorization.

Intellectual Property and Copyright Protection

All content and works created by LYVA INVEST and published on this website are subject to German copyright law (Urheberrechtsgesetz) and, where applicable, international copyright conventions to which Germany is a signatory. This protection extends to text, graphics, images, photographs, videos, audio content, software, databases, and all other original works of authorship appearing on our website or in our published materials.

The reproduction, modification, distribution, public display, public performance, or any other form of exploitation of our copyrighted materials beyond the limits of copyright law requires our express written consent. Unauthorized use of our copyrighted materials may violate copyright law, trademark law, privacy and publicity rights, and communications regulations and statutes.

Limited reproduction and distribution of our content is permitted for private, non-commercial use only. Such use must include attribution to LYVA INVEST as the source and may not alter, transform, or build upon our original content. Any commercial use of our content, including republication in commercial publications, use in commercial websites, or incorporation into marketed products or services, requires advance written permission and may be subject to licensing fees.

Where content on this website was not created by LYVA INVEST, the intellectual property rights of third parties are respected and acknowledged. Third-party content is identified as such when used on our website. If you become aware of any copyright infringement on our website, please inform us immediately. Upon receiving notification of alleged infringement, we will investigate promptly and remove infringing content if appropriate.

The LYVA INVEST name, logo, and related marks are proprietary trademarks. Use of these marks without our express written permission is prohibited. Other product and company names mentioned on our website may be trademarks of their respective owners.

Technical Infrastructure and Website Security

Our website is hosted on secure, professionally managed infrastructure designed to provide reliable availability and protect user data. We employ industry-standard security measures including SSL/TLS encryption for data transmission, secure server configurations, regular security updates, and monitoring systems to detect and respond to potential security threats.

Despite these precautions, no internet-based system can be guaranteed to be completely secure. Users should be aware that communications over the internet may be subject to interception, and should exercise appropriate caution when transmitting sensitive information. For highly confidential communications, we recommend using encrypted email systems or arranging telephone or in-person consultations.

We maintain regular backups of website content and implement disaster recovery procedures to minimize service interruptions. However, we do not guarantee uninterrupted availability of our website. Temporary outages may occur due to maintenance, technical issues, or circumstances beyond our control. We will make reasonable efforts to restore service promptly in the event of any disruption.

Changes and Updates to This Imprint

LYVA INVEST reserves the right to update this imprint at any time to reflect changes in our business operations, contact information, regulatory requirements, or legal obligations. Material changes will be indicated by updating the revision date displayed on this page.

This imprint was last updated in January 2025. Users are encouraged to review this page periodically for current information about our business operations and legal obligations.