Terms and Conditions

2. Use of Services

2.1 Eligibility

You must be at least 18 years of age to use this Website. By using the Website, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms.

2.2 Account Registration

If you create an account on our Website, you are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Immediately notify us of any unauthorized use of your account
• Be responsible for all activities that occur under your account

2.3 Permitted Use

You may use our Website only for lawful purposes and in accordance with these Terms. You agree not to use the Website:

• In any way that violates any applicable federal, state, local, or international law or regulation
• To transmit any advertising or promotional material without our prior written consent
• To impersonate or attempt to impersonate the Company or any employee, representative, or affiliate
• To engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Website

3. Financial Advisory Disclaimer

3.1 Nature of Information

The information provided on this Website is for general informational and educational purposes only. It does not constitute financial, investment, legal, or tax advice and should not be relied upon as such.

3.2 No Professional Relationship

Use of this Website does not create a financial advisor-client relationship between you and Summit Financial Advisors. Any formal advisory relationship must be established through a separate written agreement.

3.3 Investment Risks

All investments involve risk, including the potential loss of principal. Past performance does not guarantee future results. You should carefully consider your financial situation and consult with a qualified financial professional before making investment decisions.

4. Intellectual Property Rights

4.1 Ownership

The Website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by Summit Financial Advisors, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

4.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Website for personal, non-commercial purposes. This license does not include any right to:

• Modify or copy the materials except as necessary to use the Website
• Use the materials for commercial purposes or public display
• Remove any copyright or proprietary notations from the materials
• Transfer the materials to another person or mirror the materials on any other server

4.3 Trademarks

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

5. Prohibited Uses

You may not access or use the Website for any purpose other than that for which we make it available. Prohibited uses include but are not limited to:

• Using the Website in any manner that could disable, overburden, damage, or impair the site
• Using any robot, spider, or other automatic device to access the Website
• Introducing any viruses, trojan horses, worms, or other malicious or technologically harmful material
• Attempting to gain unauthorized access to any portion of the Website or related systems
• Attacking the Website via a denial-of-service attack or distributed denial-of-service attack
• Collecting or tracking the personal information of others
• Spamming, phishing, pretexting, or scraping
• Using the Website for any obscene, immoral, or unlawful purpose
• Interfering with or circumventing the security features of the Website

6. User Content

6.1 Responsibility

You are solely responsible for any content you submit, post, or transmit through the Website. You represent and warrant that you own or have the necessary rights to use and authorize us to use all content you provide.

6.2 License Grant

By submitting content to the Website, you grant us a worldwide, non-exclusive, royalty-free, perpetual license to use, reproduce, modify, adapt, publish, and display such content in connection with operating and providing the Website and services.

6.3 Content Standards

All user content must comply with applicable laws and must not:

• Be false, misleading, or fraudulent
• Infringe any third party's intellectual property or privacy rights
• Contain defamatory, obscene, or offensive material
• Promote illegal activity or violence
• Contain advertising or solicitation

7. Limitation of Liability

7.1 Disclaimer of Warranties

THE WEBSITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

We do not warrant that the Website will be uninterrupted, secure, or error-free, that defects will be corrected, or that the Website or servers are free of viruses or other harmful components.

7.2 Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, SUMMIT FINANCIAL ADVISORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES RESULTING FROM:

• Your access to or use of or inability to access or use the Website
• Any conduct or content of any third party on the Website
• Any content obtained from the Website
• Unauthorized access, use, or alteration of your transmissions or content

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES EXCEED THE AMOUNT OF ONE HUNDRED DOLLARS ($100) OR THE AMOUNT YOU PAID US IN THE PAST SIX MONTHS, WHICHEVER IS GREATER.

7.3 Exclusions

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for incidental or consequential damages. In such jurisdictions, our liability will be limited to the maximum extent permitted by law.

8. Indemnification

You agree to defend, indemnify, and hold harmless Summit Financial Advisors, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:

• Your violation of these Terms
• Your use of the Website
• Your violation of any rights of another party
• Any content you submit or transmit through the Website

9. Third-Party Links and Services

The Website may contain links to third-party websites 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 websites or services.

You acknowledge and agree that we shall not be responsible or liable for any damage or loss caused by or in connection with the use of 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.

10. Termination

10.1 Termination by Company

We may terminate or suspend your access to the Website immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms. Upon termination, your right to use the Website will immediately cease.

10.2 Termination by User

You may terminate your account at any time by discontinuing use of the Website and contacting us to request account deletion.

10.3 Effect of Termination

All provisions of these Terms which by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, indemnification, and limitations of liability.

11. Dispute Resolution

11.1 Informal Resolution

In the event of any dispute arising out of or relating to these Terms or the Website, the parties agree to first attempt to resolve the dispute informally by contacting us directly. We will work in good faith to resolve any disputes.

11.2 Binding Arbitration

If the parties are unable to resolve a dispute through informal negotiations, any dispute arising out of or relating to these Terms or the Website shall be resolved through binding arbitration in accordance with the Commercial Arbitration Rules of the American Arbitration Association.

The arbitration shall be conducted in the English language by a single arbitrator. The arbitrator's decision shall be final and binding upon the parties and may be entered as a judgment in any court of competent jurisdiction.

11.3 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. You waive any right to participate in a class action lawsuit or class-wide arbitration.

11.4 Exceptions

Notwithstanding the foregoing, either party may seek equitable relief in court for infringement or misuse of intellectual property rights.

12. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which Summit Financial Advisors maintains its principal place of business, without regard to its conflict of law provisions.

Any legal action or proceeding arising under these Terms will be brought exclusively in the federal or state courts located in the applicable jurisdiction, and the parties irrevocably consent to the personal jurisdiction and venue therein.

13. Privacy

Your use of the Website is also governed by our Privacy Policy. Please review our Privacy Policy, which explains how we collect, use, and disclose information that pertains to your privacy. By using the Website, you consent to our collection and use of personal data as outlined in the Privacy Policy.

14. Compliance with Laws

You agree to comply with all applicable federal, state, and local laws, regulations, and ordinances in connection with your use of the Website. This includes compliance with securities laws, anti-money laundering regulations, and consumer protection laws.

15. Electronic Communications

By using the Website, you consent to receiving electronic communications from us. These communications may include notices about your account and information concerning or related to the Website. You agree that any notices, agreements, disclosures, or other communications that we send to you electronically will satisfy any legal communication requirements, including that such communications be in writing.

16. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published by us on the Website, constitute the entire agreement between you and Summit Financial Advisors concerning the Website and supersede all prior agreements and understandings regarding the same subject matter.

17. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable. If such modification is not possible, the provision shall be severed from these Terms, and the remaining provisions shall continue in full force and effect.

18. Waiver

No waiver by Summit Financial Advisors of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition. Any failure to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

19. Assignment

You may not assign or transfer these Terms or your rights hereunder, in whole or in part, without our prior written consent. We may assign these Terms at any time without notice to you. Any attempted assignment in violation of this provision shall be null and void.

20. Force Majeure

Summit Financial Advisors shall not be liable for any failure or delay in performance under these Terms due to causes beyond our reasonable control, including but not limited to acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, strikes, or shortages of transportation facilities, fuel, energy, labor, or materials.

21. Contact Information

If you have any questions about these Terms and Conditions, please contact us:

We will make reasonable efforts to respond to all inquiries within 5-7 business days.