Terms of Service

Acceptance of Terms

By accessing and using the website of designguild GmbH (Registration Number: 73928461) or engaging our financial advisory services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing our website and services.

These terms constitute a legally binding agreement between you and designguild GmbH. We reserve the right to modify these terms at any time, and such modifications will be effective immediately upon posting on our website.

About designguild

designguild GmbH is a financial advisory firm registered in Austria with registration number 73928461 and VAT number ATU61820594. We are located at Taborstraße 102, 9552 Villach, Carinthia, Austria, and provide professional financial advisory services in accordance with Austrian financial regulations.

Our services include but are not limited to investment planning, risk management, financial planning, corporate finance, tax optimisation, and estate planning advice.

Use of Our Website

You may use our website for lawful purposes only. You agree not to use the website:

• In any way that violates any applicable local, national, or international law or regulation
• To impersonate or attempt to impersonate designguild, our employees, another user, or any other person or entity
• To engage in any conduct that restricts or inhibits anyone's use or enjoyment of the website
• To introduce any viruses, trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful
• To attempt to gain unauthorised access to, interfere with, damage, or disrupt any parts of the website

Financial Advisory Services

Our financial advisory services are provided subject to the following terms:

• All advice is provided based on information you provide to us and our professional assessment
• Past performance does not guarantee future results
• All investments carry risk, and you may lose some or all of your investment
• We will provide advice in accordance with our professional standards and Austrian regulations
• You are responsible for making final decisions regarding your financial affairs
• Specific terms for advisory services will be outlined in separate service agreements

User Obligations

When using our services, you agree to:

• Provide accurate, complete, and up-to-date information
• Maintain the confidentiality of any login credentials
• Notify us immediately of any unauthorised use of your account
• Comply with all applicable laws and regulations
• Pay all fees and charges in a timely manner
• Treat our staff and premises with respect
• Not misuse or abuse our services or website

Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms of Service by reference. By using our services, you consent to the collection and use of your information as outlined in our Privacy Policy.

We comply with the General Data Protection Regulation (GDPR) and Austrian data protection laws in all our data processing activities.

Intellectual Property

The content on our website, including but not limited to text, graphics, logos, images, audio clips, digital downloads, data compilations, and software, is the property of designguild GmbH or its content suppliers and is protected by Austrian and international copyright laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our website without our prior written consent, except as permitted by law.

The designguild name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of designguild GmbH or its affiliates. You must not use such marks without our prior written permission.

Fees and Payment

Fees for our financial advisory services will be clearly outlined in separate service agreements. Payment terms include:

• Fees are payable in accordance with the agreed payment schedule
• All fees are quoted in Euros (EUR) unless otherwise specified
• Late payment may result in suspension of services
• We reserve the right to change our fees with appropriate notice
• Refunds will be considered on a case-by-case basis

Limitation of Liability

To the fullest extent permitted by Austrian law, designguild GmbH shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of our services or website.

Our total liability to you for all damages, losses, and causes of action (whether in contract, tort, or otherwise) shall not exceed the amount paid by you to designguild for the services in question during the twelve months preceding the claim.

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

Disclaimers

The information on our website is provided on an "as is" basis. To the fullest extent permitted by law, designguild GmbH excludes all representations, warranties, conditions, and other terms which might otherwise be implied by statute, common law, or the law of equity.

We do not guarantee that our website will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programmes, and platform to access our website.

Financial markets are inherently unpredictable, and past performance does not guarantee future results. All investment advice carries risk, and you should carefully consider your financial situation before making investment decisions.

Indemnification

You agree to defend, indemnify, and hold harmless designguild GmbH, its officers, directors, employees, agents, and third parties, for any losses, costs, liabilities, and expenses (including reasonable attorneys' fees) relating to or arising out of your use of our services, any user content you post or share, your violation of these terms, or your violation of any rights of a third party.

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of Austria, without regard to its conflict of law provisions. Any legal action or proceeding arising under these terms will be brought exclusively in the courts of Austria, and the parties hereby consent to personal jurisdiction and venue therein.

If any provision of these terms is held to be invalid or unenforceable by a court, the remaining provisions of these terms will remain in effect.

Termination

We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms of Service.

You may terminate your relationship with us at any time by ceasing to use our services and website. Upon termination, your right to use our services will cease immediately.

The provisions of these terms which by their nature should survive termination shall survive termination, including without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

Force Majeure

designguild GmbH shall not be liable for any failure or delay in performance under these terms which is due to fire, flood, earthquake, elements of nature, acts of God, acts of war, terrorism, riots, civil disorders, rebellions, or other similar causes beyond our reasonable control.

Entire Agreement

These Terms of Service, together with our Privacy Policy and any service-specific agreements, constitute the entire agreement between you and designguild GmbH regarding your use of our services and supersede all prior and contemporaneous written or oral agreements.

Contact Information

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