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The present general conditions set out the terms and conditions of use of the website. 


The user acknowledges having read this document and accepted all of this information, whether the use is made on a personal or professional basis. If this use is made on a professional basis, the user guarantees to have the necessary powers to accept these general conditions within his organization.



Site Editor


The site and the content published on it belong to LIFEINVEST INTERNATIONAL OÜ, which is the publisher of the site and responsible for marketing the products.


Vesivärava street 50-201, Tallinn 10152.


The publication manager is a legal entity.


Responsible for publication: LIFEINVEST INTERNATIONAL OÜ






This blog is hosted by :, Inc

Headquarters: 500 Terry A Francois Boulevard Sixth Floor San Francisco, CA 94158


as well as by :


A trademark of Etison LLC

1860 W. Lakes Place

Meridian, Idaho 83646





The editor of this site provides a wide range of information free of charge. The publisher makes every effort to ensure the quality of this content. However, this content should not be considered as tax, financial, investment or any other type of professional advice. It is the user's responsibility to ensure that the information is relevant to his or her situation. The user therefore undertakes to use this information under his own responsibility and releases the publisher from any liability in this respect.


Responsibility in the use of the service


The user undertakes not to disrupt the operation of the service offered on in any way whatsoever. In particular, the user undertakes to refrain from posting illicit, defamatory or insulting messages on all or part of the site. The user also agrees to provide true, accurate and complete personal data.

The use of the site implies the full and complete acceptance of the general conditions of use described below. These conditions of use are likely to be modified or completed, the users of the site are thus invited to consult them regularly.

This site is normally accessible to users at all times. LIFEINVEST INTERNATIONAL OÜ may, however, decide to interrupt the site for technical maintenance purposes and will endeavour to inform users of the dates and times of the intervention in advance.




Browsing the website may result in the installation of cookie(s) on the user's computer. A cookie is a small file which does not allow the identification of the user but which records information relating to the navigation of a computer on a site. The data thus obtained is intended to facilitate subsequent navigation on the site and is also intended to allow various measures of frequentation.

Refusing to install a cookie may make it impossible to access certain services.

In accordance with the provisions of Article 6 II of Law No. 2004-575 of June 21, 2004 for confidence in the digital economy (LCEN), the user agrees that may keep all documents, information and records concerning its activity on the site.

Processing of personal data


The processing of personal data carried out within the framework of this site has been declared to the CNIL. All this processing is carried out by the site editor, LIFEINVEST INTERNATIONAL OÜ. In accordance with the law n°78-17 of January 6, 1978 relating to data processing, files and freedoms, you have the right to access and rectify your personal data, and to oppose their processing.

It is possible to request that this data be rectified, completed, clarified, updated or deleted. You can exercise this right at any time by sending an e-mail to the address of the director of the publication. In accordance with the regulations in force, the request must be signed and accompanied by a photocopy of an identity document bearing the signature of the applicant and specify the address to which the reply should be sent. A reply will then be sent to you within 3 months of receipt of the request. In particular, the user has the possibility of unsubscribing from the site's newsletter or of modifying his personal data thanks to a link located at the bottom of each email sent. These rights can also be exercised by using the contact form on this page.

The site's newsletter has been declared to the CNIL. Its purpose is to receive advice through the sending of information emails and / or promotion of products or services (ours or those of our partners if we believe they are of quality and can be useful to you).

Mandatory/optional data: To receive the newsletter, it is necessary to provide your personal email address. Without this information, it will be impossible to subscribe to the newsletter.

Recipients: The recipients of this processing are the people registered for the newsletter, the site editor and its subcontractors.

Transfer outside the European Union: No processing is carried out directly outside the European Union. The company ACTIVECAMPAING is a subcontractor of this service for the processing of the list of newsletter subscribers and the distribution of the newsletter. Consequently, the user of the web service acknowledges having read the general conditions of use of this service, which can be consulted on this page.

Hypertext links


The author offers links to third-party websites on his website. These links are established at a time when the author may have deemed it appropriate to do so given the content and services of these sites. The author is not responsible for the content of these sites and the use that may be made of them by users.


No guarantee


The author does not guarantee the accuracy of any information contained on and expressly disclaims any obligation to update such information. Furthermore, the author assumes no responsibility for any errors or omissions in the content on


All information on the site, including technical, legal and regulatory information, is purely indicative and does not engage the responsibility of the author. Consequently, the information provided does not claim to be exhaustive and should not determine in itself the opportunity and the choice of the reader to follow the information given by the author to the letter. The author makes every effort to keep the information on up to date. However, he does not guarantee the completeness and correctness of the information provided. The author is not responsible for any changes in the law, legal regulations or administrative provisions that may occur after the publication and updating of the website

It should be noted that the contents of the downloadable documents made available on the website as well as the contents of the comments that users may publish remain the sole responsibility of their authors. Consequently, the editor cannot be held responsible for any direct or indirect damage that may result from the access or use of this blog and these documents by the user or for any damage or virus that may affect your computer or other computer equipment. Moreover, the user of the site agrees to access the site using recent equipment that does not contain viruses and with a browser of the latest generation updated.




You should assume that the author has an affiliate relationship with all suppliers of goods and services featured in this blog and may receive compensation when you purchase a good or service from that supplier. However, these affiliate relationships do not increase the final price of the product or service that you will pay. These commissions allow this blog to generate a portion of the revenue that allows it to offer you so much content for free. The author of this blog, the company ARMATO INTERNATIONAL OÜ, assures that he will never recommend a product that he does not sincerely believe to be a quality product.


Intellectual property


LIFEINVEST INTERNATIONAL OÜ is the exclusive owner of all intellectual property rights relating to both the structure and content of, including the database, throughout the world. The extraction and use for professional or commercial purposes of all or part of the database is prohibited.



LIFEINVEST INTERNATIONAL OÜ grants the user the right to reproduce all or part of the content of for storage for the purpose of representation on a single-user screen and for reproduction, in one copy, for backup or hard copy. This right is granted for strictly personal, private and non-collective use. This authorization is granted under the terms of the Creative Commons License : Attribution - No commercial use - No modification.



Notwithstanding the rights of reproduction and storage as strictly defined above, and without the prior and express authorisation of LIFEINVEST INTERNATIONAL OÜ, the Internet user is prohibited from reproducing and/or using the trademarks and logos present on, as well as from modifying, copying, translating, reproducing, selling, publishing, exploiting and disseminating in a digital or other format, all or part of the information, texts, photos, images, videos and data present on The violation of these imperative provisions subjects the offender, and all persons responsible, to the penal and civil penalties provided for by the law.



Any unauthorized exploitation of the site or of one of the elements it contains will be considered as constituting an infringement and will be prosecuted in accordance with the provisions of articles L.335-2 and following of the Intellectual Property Code.

Any contributor, simply by publishing content on, grants LIFEINVEST INTERNATIONAL OÜ, free of charge, for the legal duration of protection of literary and artistic property and for the whole world, an irrevocable, assignable, transferable and non-exclusive license for the rights of representation, reproduction, translation and adaptation attached to this content in any form whatsoever and on any existing or future medium, with the contributor guaranteeing LIFEINVEST INTERNATIONAL OÜ that he/she has the rights to allow the said transfer.



You understand and agree that when you send this site a written or oral testimonial about one of its products or services, this becomes the property of the site, which implies the transfer of the right to reproduce, edit and publish. This publication may mention your first name, your profession and your place of residence.



All contributors must respect the laws and regulations in force in France as well as the rights of individuals.


Applicable law


These General Conditions in French will be applied and interpreted in accordance with French law.

In the event of a dispute, the Internet user shall first contact LIFEINVEST INTERNATIONAL OÜ to obtain an amicable solution. Failing that, any dispute in connection with the use of the site is subject to the law of Estonia.




User: Internet user connecting to and using the above-mentioned site.

Personal information: "information that allows, in any form whatsoever, directly or not, the identification of the physical persons to whom it applies" (article 4 of the law n° 78-17 of January 6, 1978).

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