Terms and Conditions

1. Agreement to Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement between you and Summit Financial Advisors ("Company", "we", "us", or "our") concerning your access to and use of the your-domain.com website and any related services (collectively, the "Services").

By accessing or using our Services, you agree to be bound by these Terms. If you disagree with any part of these Terms, you may not access our Services.

We reserve the right to modify these Terms at any time. We will notify users of any material changes by posting the new Terms on this page with an updated revision date. Your continued use of the Services following the posting of revised Terms means you accept and agree to the changes.

2. Description of Services

Summit Financial Advisors provides financial advisory information, educational resources, and consultation services through our website. Our Services include but are not limited to:

• Financial planning information and guidance
• Investment strategy education
• Retirement planning resources
• Tax optimization information
• Wealth management consultation

Important Disclaimer: The information provided through our Services is for educational and informational purposes only. It does not constitute financial advice, investment recommendations, or solicitation to buy or sell any financial instruments. You should consult with a qualified financial professional before making any financial decisions.

3. User Eligibility and Registration

To use certain features of our Services, you must be at least 18 years old and have the legal capacity to enter into binding contracts. By using our Services, you represent and warrant that you meet these requirements.

If you create an account with us, you are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Providing accurate, current, and complete information
• Updating your information to maintain its accuracy
• Notifying us immediately of any unauthorized access

We reserve the right to refuse service, terminate accounts, or remove content at our sole discretion.

4. User Obligations and Conduct

When using our Services, you agree to:

• Comply with all applicable laws and regulations
• Use the Services only for lawful purposes
• Respect the intellectual property rights of others
• Provide accurate information when required
• Not impersonate any person or entity
• Not interfere with or disrupt the Services

5. Prohibited Uses

You may not use our Services to:

• Violate any applicable local, national, or international law
• Transmit any harmful, threatening, abusive, or defamatory content
• Infringe upon intellectual property rights of any party
• Upload viruses or malicious code
• Attempt to gain unauthorized access to our systems
• Collect or harvest personal data without consent
• Engage in any form of automated data collection (scraping, bots)
• Spam, phish, or engage in fraudulent activities
• Manipulate or falsify information
• Use the Services for any illegal or unauthorized purpose

Violation of this section may result in immediate termination of your access to our Services and potential legal action.

6. Intellectual Property Rights

The Services and all content, features, and functionality (including but not limited to text, graphics, logos, images, software, and design) are owned by Summit Financial Advisors or our licensors and are protected by Croatian and international copyright, trademark, patent, trade secret, and other intellectual property laws.

6.1 Our Content

Unless otherwise indicated, all content on our website is the property of Summit Financial Advisors. You may not reproduce, distribute, modify, create derivative works of, publicly display, republish, or exploit any content without our express written permission.

6.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Services for personal, non-commercial purposes, subject to these Terms.

6.3 Trademarks

Summit Financial Advisors name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of the Company or its affiliates. You may not use such marks without our prior written permission.

6.4 User-Generated Content

If you submit, post, or transmit any content through our Services, you grant us a worldwide, non-exclusive, royalty-free, perpetual license to use, reproduce, modify, and display such content for the purpose of operating and improving our Services.

7. Privacy and Data Protection

Your use of our Services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices regarding the collection, use, and disclosure of your personal information.

We comply with applicable Croatian and EU data protection laws, including the General Data Protection Regulation (GDPR).

8. Financial Information Disclaimer

Not Financial Advice: The information provided through our Services is for educational and informational purposes only and should not be construed as financial, investment, tax, or legal advice. Past performance does not guarantee future results.

No Warranties: We make no representations or warranties regarding the accuracy, completeness, or timeliness of any financial information provided. Financial markets are subject to risks and uncertainties.

Professional Consultation: You should consult with qualified financial, legal, and tax professionals before making any financial decisions. We are not responsible for any decisions you make based on information obtained through our Services.

Risk Acknowledgment: You acknowledge that all investments involve risk, including the potential loss of principal, and that past performance is not indicative of future results.

9. Disclaimers and Warranties

OUR SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Implied warranties of merchantability and fitness for a particular purpose
• Non-infringement of intellectual property rights
• Uninterrupted, timely, secure, or error-free service
• Accuracy, reliability, or completeness of content
• Correction of defects or errors
• Freedom from viruses or harmful components

We do not warrant that the Services will meet your requirements or that any defects will be corrected.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY CROATIAN LAW, IN NO EVENT SHALL SUMMIT FINANCIAL ADVISORS, ITS DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, OR AFFILIATES BE LIABLE FOR:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Loss or damage resulting from use or inability to use our Services
• Financial losses resulting from decisions based on our content
• Any damages arising from unauthorized access to your data
• Any damages resulting from third-party conduct or content

This limitation applies regardless of the legal theory upon which the claim is based, whether in contract, tort, negligence, strict liability, or otherwise, even if we have been advised of the possibility of such damages.

Maximum Liability: Our total liability to you for all claims arising from or related to the Services shall not exceed the amount you paid us, if any, in the twelve (12) months preceding the event giving rise to liability, or €100, whichever is greater.

11. Indemnification

You agree to defend, indemnify, and hold harmless Summit Financial Advisors and its officers, directors, employees, contractors, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from or related to:

• Your use or misuse of the Services
• Your violation of these Terms
• Your violation of any third-party rights
• Any content you submit or transmit through the Services
• Your violation of any applicable laws or regulations

We reserve the right to assume exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate with our defense of such claim.

12. Third-Party Links and Services

Our Services may contain links to third-party websites, applications, or services that are not owned or controlled by Summit Financial Advisors. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

You acknowledge and agree that we shall not be liable for any damage or loss caused by your use of or reliance on any third-party content, goods, or services available through such websites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.

13. Termination

13.1 Termination by Us

We may terminate or suspend your access to our Services immediately, without prior notice or liability, for any reason, including but not limited to:

• Breach of these Terms
• Violation of applicable laws
• Fraudulent or illegal activity
• Request by law enforcement or government agencies
• Discontinuation or material modification of the Services

13.2 Termination by You

You may terminate your account at any time by contacting us or ceasing to use the Services.

13.3 Effect of Termination

Upon termination, your right to use the Services will immediately cease. All provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

14. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the Republic of Croatia, without regard to its conflict of law provisions.

Any legal action or proceeding arising out of or related to these Terms or the Services shall be instituted exclusively in the courts located in Croatia, and you consent to the personal jurisdiction of such courts.

The application of the United Nations Convention on Contracts for the International Sale of Goods is expressly excluded.

15. Dispute Resolution

15.1 Informal Resolution

In the event of any dispute, controversy, or claim arising out of or relating to these Terms or the Services, the parties agree to first attempt to resolve the dispute informally by contacting us at [email protected] with a detailed description of the dispute.

15.2 Mediation

If the dispute cannot be resolved informally within thirty (30) days, either party may initiate mediation proceedings in accordance with Croatian mediation procedures.

15.3 Arbitration

If mediation is unsuccessful, any unresolved disputes shall be finally settled by binding arbitration administered by the Permanent Arbitration Court at the Croatian Chamber of Economy in accordance with its rules.

15.4 Class Action Waiver

You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

16. General Provisions

16.1 Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published by us, constitute the entire agreement between you and Summit Financial Advisors regarding the Services.

16.2 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

16.3 Waiver

No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term. Our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

16.4 Assignment

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign or transfer these Terms or our rights hereunder to any third party without restriction.

16.5 Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, war, terrorism, strikes, natural disasters, or internet service failures.

16.6 Language

These Terms may be translated into other languages. In the event of any conflict or inconsistency, the English version shall prevail.

17. Updates and Modifications

We reserve the right to modify or replace these Terms at any time at our sole discretion. Material changes will be notified by:

• Posting a notice on our website
• Updating the "Last Updated" date
• Sending an email to registered users (when applicable)

Your continued use of the Services after any modifications become effective constitutes your acceptance of the revised Terms. If you do not agree to the new Terms, you must stop using the Services.

18. Contact Information

If you have any questions, concerns, or complaints regarding these Terms or our Services, please contact us:

We will make every effort to respond to your inquiry within 5-7 business days.