Terms of Service

Acceptance of Terms

By accessing and using the website and services of ApexNavigator AG ("ApexNavigator", "we", "our", or "us"), you accept and agree to be bound by these Terms of Service ("Terms"). These Terms constitute a legally binding agreement between you and ApexNavigator regarding your use of our website, financial leverage strategy services, and any related communications or materials. If you do not agree to these Terms, you must not access or use our services.

Company Information

ApexNavigator is a company incorporated under Austrian law with the following details:

Service Description

ApexNavigator provides professional financial leverage strategy services, including but not limited to:

• Capital structure optimisation and financial planning
• Investment strategy development and advisory services
• Financial modelling and analysis
• Merger and acquisition advisory
• Risk management and compliance consulting
• Corporate restructuring and performance optimisation

Our services are designed for businesses operating within the European Union and are subject to applicable financial regulations and professional standards. All services are provided in accordance with Austrian law and EU financial services regulations.

User Obligations

By using our services, you agree to the following obligations and responsibilities:

Eligibility and Authority

• You must be at least 18 years of age and have the legal authority to enter into binding agreements
• If representing a business entity, you must have the authority to bind that entity to these Terms
• You must provide accurate and complete information when requested
• You are responsible for maintaining the confidentiality of any account credentials

Acceptable Use

• Use our services only for lawful business purposes and in accordance with these Terms
• Provide truthful and accurate information about your business and financial situation
• Respect the intellectual property rights of ApexNavigator and third parties
• Not engage in any activity that could harm our reputation or business interests
• Comply with all applicable laws and regulations in your jurisdiction

Prohibited Activities

• Using our services for any illegal or unauthorised purpose
• Attempting to gain unauthorised access to our systems or data
• Interfering with the proper functioning of our website or services
• Transmitting any harmful code, viruses, or malicious software
• Engaging in any form of harassment or abusive behaviour

Intellectual Property

All intellectual property rights in our website, services, content, and materials are owned by or licensed to ApexNavigator. This includes but is not limited to:

• Website design, layout, and functionality
• Written content, including articles, guides, and service descriptions
• Proprietary methodologies and financial models
• Trademarks, logos, and brand elements
• Software, applications, and technical systems
• Research, analysis, and strategic frameworks

You are granted a limited, non-exclusive, non-transferable licence to access and use our services for your business purposes. You may not reproduce, distribute, modify, or create derivative works based on our intellectual property without express written permission from ApexNavigator.

Service Terms and Conditions

Our financial leverage strategy services are provided subject to the following terms:

Service Agreements

• Specific services will be detailed in separate service agreements or statements of work
• Service fees, timelines, and deliverables will be specified in individual contracts
• All services are subject to our professional standards and regulatory requirements
• We reserve the right to modify or discontinue services with appropriate notice

Professional Standards

• Our services are provided in accordance with professional financial advisory standards
• We maintain appropriate professional indemnity insurance
• All advice is based on information provided by clients and market conditions at the time
• Clients are responsible for implementing recommendations and monitoring outcomes

Limitation of Liability

To the maximum extent permitted by applicable law, ApexNavigator's liability is limited as follows:

Disclaimer of Warranties

Our services are provided "as is" and "as available" without warranties of any kind, whether express or implied. We disclaim all warranties, including but not limited to merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that our services will be uninterrupted, error-free, or meet your specific requirements.

Limitation of Damages

In no event shall ApexNavigator be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities. Our total liability for any claim arising from or relating to these Terms or our services shall not exceed the amount paid by you for the specific service giving rise to the claim in the twelve months preceding the claim.

Financial Advisory Disclaimer

Our financial leverage strategies and advice are based on the information provided by clients and prevailing market conditions. We do not guarantee specific financial outcomes or investment returns. All financial decisions remain the responsibility of the client, and past performance does not guarantee future results. Clients should consider their own financial situation and seek independent advice where appropriate.

Indemnification

You agree to indemnify, defend, and hold harmless ApexNavigator, its directors, officers, employees, and agents from any claims, damages, losses, or expenses arising from your use of our services, violation of these Terms, or infringement of any third-party rights. This indemnification obligation shall survive the termination of these Terms.

Confidentiality

ApexNavigator acknowledges that in providing our services, we may have access to confidential business information. We commit to maintaining the confidentiality of all client information and will not disclose such information to third parties without your consent, except as required by law or professional regulations. This confidentiality obligation continues beyond the termination of our service relationship.

Data Protection and Privacy

Our collection, use, and protection of personal data is governed by our Privacy Policy, which forms part of these Terms. By using our services, you consent to the processing of your personal data in accordance with our Privacy Policy and applicable data protection laws, including the General Data Protection Regulation (GDPR).

Termination

These Terms remain in effect until terminated by either party. Termination may occur under the following circumstances:

Termination by You

• You may terminate these Terms at any time by discontinuing use of our services
• Termination of specific service agreements is subject to the terms of those agreements
• You remain liable for any outstanding fees or obligations incurred before termination

Termination by ApexNavigator

• We may terminate these Terms immediately if you breach any provision
• We may terminate with notice if we discontinue services or cease operations
• We may suspend services if payment obligations are not met

Effect of Termination

Upon termination, your right to use our services ceases immediately. Provisions relating to intellectual property, confidentiality, limitation of liability, and governing law shall survive termination. We will handle any personal data in accordance with our Privacy Policy and applicable data protection laws.

Governing Law

These Terms are governed by and construed in accordance with the laws of Austria. Any disputes arising from or relating to these Terms or our services shall be subject to the exclusive jurisdiction of the Austrian courts. The application of the United Nations Convention on Contracts for the International Sale of Goods is expressly excluded.

Dispute Resolution

In the event of any dispute arising from these Terms or our services, the parties agree to first attempt resolution through good faith negotiations. If such negotiations fail, disputes shall be resolved through the Austrian court system. For matters involving professional services, relevant professional body dispute resolution procedures may also apply.

Force Majeure

ApexNavigator shall not be liable for any failure or delay in performance under these Terms due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, labour disputes, government actions, or technical failures. In such circumstances, we will make reasonable efforts to mitigate the impact and resume normal service as soon as practicable.

Modifications to Terms

ApexNavigator reserves the right to modify these Terms at any time. We will provide notice of material changes by posting updated Terms on our website and updating the "Last updated" date. Your continued use of our services after such modifications constitutes acceptance of the revised Terms. If you do not agree to the modifications, you must discontinue use of our services.

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. The invalid provision shall be replaced by a valid provision that most closely approximates the intent and economic effect of the original provision.

Entire Agreement

These Terms, together with our Privacy Policy and any specific service agreements, constitute the entire agreement between you and ApexNavigator regarding the use of our services. These Terms supersede all prior or contemporaneous communications and proposals, whether oral or written, between the parties.

Contact Information

If you have any questions about these Terms of Service, please contact us: