Terms of Service

Introduction

These Terms of Service ("Terms") govern your use of the website and services provided by ZenithTrail AG, a company registered in Austria with registration number FN826457a ("ZenithTrail", "we", "our", or "us").

By accessing our website at zenithtrail.world or engaging our services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our website or services.

Acceptance of Terms

By accessing and using our website or engaging our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. These Terms constitute a legally binding agreement between you and ZenithTrail.

We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting on our website. Your continued use of our services after such modifications constitutes your acceptance of the updated Terms.

You must be at least 18 years old and legally capable of entering into contracts to use our services. By using our services, you represent and warrant that you meet these requirements.

Description of Services

ZenithTrail provides budgeting and financial planning services specifically designed for single parents, including but not limited to:

• Personal budget creation and management
• Debt management and reduction strategies
• Emergency fund planning
• Education savings planning
• General financial consultation and advice
• Financial education and guidance

Our services are provided for informational and educational purposes. We do not provide investment advice, tax advice, or legal advice. You should consult with qualified professionals for such matters.

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice.

User Obligations

When using our services, you agree to:

Provide Accurate Information

• Provide truthful, accurate, and complete information about your financial situation
• Update your information promptly when circumstances change
• Notify us of any errors or discrepancies in our records

Use Services Appropriately

• Use our services only for lawful purposes
• Not interfere with or disrupt our services or servers
• Not attempt to gain unauthorised access to our systems
• Not use our services to transmit harmful, offensive, or illegal content

Maintain Confidentiality

• Keep any login credentials secure and confidential
• Not share your account access with unauthorised parties
• Notify us immediately of any suspected unauthorised use

Payment Obligations

• Pay all fees and charges in accordance with our fee schedule
• Provide valid payment information and keep it current
• Notify us promptly of any billing disputes or issues

Fees and Payment

Our fees are outlined in our service agreements and on our website. Unless otherwise specified, all fees are in Euros and exclude applicable taxes.

Payment is due in accordance with the terms specified in your service agreement. We accept various payment methods as indicated during the booking process.

We reserve the right to change our fees at any time. Fee changes will not affect existing service agreements unless mutually agreed upon.

In case of non-payment, we reserve the right to suspend or terminate services and pursue collection of outstanding amounts.

Intellectual Property

All content on our website and in our services, including text, graphics, logos, images, software, and other materials, is the property of ZenithTrail or our licensors and is protected by copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable licence to access and use our services for your personal, non-commercial use. You may not:

• Reproduce, distribute, or publicly display our content without permission
• Modify, adapt, or create derivative works based on our content
• Use our content for commercial purposes without authorisation
• Remove or alter any copyright, trademark, or other proprietary notices

Any financial plans, budgets, or recommendations we create for you remain our intellectual property, though you have the right to use them for your personal financial management.

If you provide us with feedback, suggestions, or ideas, you grant us a perpetual, royalty-free licence to use such feedback for improving our services.

Privacy and Data Protection

We are committed to protecting your privacy and personal data in accordance with applicable data protection laws, including the General Data Protection Regulation (GDPR).

Our collection, use, and protection of your personal information is governed by our Privacy Policy, which forms an integral part of these Terms. Please review our Privacy Policy to understand our data practices.

By using our services, you consent to the collection and use of your information as described in our Privacy Policy.

Limitation of Liability

To the fullest extent permitted by law, ZenithTrail and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, revenue, or business opportunities
• Loss of data or information
• Business interruption or financial losses
• Personal injury or property damage
• Any other intangible losses

Our total liability to you for any claims arising from or related to our services shall not exceed the total amount paid by you to us in the 12 months preceding the claim.

We provide our services "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee that our services will be uninterrupted, error-free, or completely secure.

Nothing in these Terms shall limit or exclude our liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be limited by law.

Professional Standards and Disclaimers

While we strive to provide accurate and helpful financial guidance, our services are for informational and educational purposes only. We do not guarantee specific financial outcomes or results.

You acknowledge that:

• Financial planning involves inherent risks and uncertainties
• Past performance does not guarantee future results
• Economic conditions and personal circumstances can change
• You are responsible for implementing our recommendations
• You should seek additional professional advice when appropriate

We are not licensed to provide investment advice, tax advice, legal advice, or insurance advice. We will refer you to qualified professionals when such services are needed.

Indemnification

You agree to indemnify, defend, and hold harmless ZenithTrail and its officers, directors, employees, and agents from and against any claims, damages, losses, costs, and expenses (including reasonable legal fees) arising from or related to:

• Your use of our services
• Your violation of these Terms
• Your violation of any applicable laws or regulations
• Any information or content you provide to us
• Your implementation of our recommendations

This indemnification obligation shall survive the termination of these Terms and your use of our services.

Governing Law

These Terms and any disputes arising from or related to our services shall be governed by and construed in accordance with the laws of Austria, without regard to conflict of law principles.

Any legal action or proceeding arising from or related to these Terms or our services shall be brought exclusively in the competent courts of Vienna, Austria. You consent to the jurisdiction of such courts and waive any objection to venue.

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

Dispute Resolution

We are committed to resolving any disputes or concerns you may have about our services. If you have a complaint, please contact us first using the information provided below.

We will make every effort to resolve disputes amicably through direct negotiation. If we cannot reach a satisfactory resolution, you may pursue other legal remedies available under Austrian law.

For consumer disputes, you may also have the right to use alternative dispute resolution mechanisms or file a complaint with relevant regulatory authorities.

Termination

Either party may terminate our service relationship at any time with appropriate notice as specified in your service agreement.

We reserve the right to terminate or suspend your access to our services immediately if you:

• Violate these Terms
• Fail to pay fees when due
• Engage in fraudulent or illegal activities
• Provide false or misleading information
• Behave in a way that is harmful to our business or other clients

Upon termination, your right to use our services will cease immediately. We will provide you with copies of your financial plans and recommendations as appropriate.

Termination does not relieve either party of obligations that accrued prior to termination or affect provisions that by their nature should survive termination.

Miscellaneous

Entire Agreement

These Terms, together with our Privacy Policy and any service agreements, constitute the entire agreement between you and ZenithTrail regarding your use of our services.

Assignment

You may not assign or transfer your rights or obligations under these Terms without our written consent. We may assign these Terms without restriction.

Waiver

Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision.

Severability

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

Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including acts of God, government actions, war, terrorism, pandemic, or natural disasters.

Contact Information

If you have any questions about these Terms or our services, please contact us: