Terms of Service

Last updated on: January 2, 2026

§ 1. General Provisions

  1. These Terms of Service ('Regulations') govern the use of the website operated at www.summit-fa.lu ('Platform') by Summit Financial Architects S.A. ('Service Provider'). These Regulations define the rights and obligations of Users.
  2. The information provided on the Platform is for informational purposes only and does not constitute an offer, investment advice, or a recommendation to enter into any transaction.
  3. By using the Platform, the User confirms that they have read, understood, and accepted these Regulations in their entirety. Use of the Platform is voluntary and free of charge.
  4. The Service Provider reserves the right to amend these Regulations at any time. Users will be informed of any changes through a notice posted on the Platform.

§ 2. Definitions

  • Platform – The website available at www.summit-fa.lu, operated by the Service Provider.
  • User – Any natural person, legal person, or organizational unit with legal capacity who uses the Platform in any way.
  • Account – A client-specific portal or profile, access to which may be granted under a separate client agreement.
  • Services – The wealth management, investment advisory, and other financial services offered by the Service Provider, governed by separate agreements.
  • Regulations – This document, the Terms of Service, outlining the rules for using the Platform.

§ 3. Type and Scope of Services Provided

  1. The Platform provides information about the Service Provider's business, including its philosophy, team, and the scope of Services offered. It serves as a primary point of contact and an informational resource for prospective and current clients.
  2. The Platform enables Users to submit inquiries through a contact form. Submitting an inquiry does not create a client relationship or an obligation to provide Services.
  3. The Service Provider may publish market analyses, articles, and other educational content on the Platform. This content is provided for general information only and is not tailored to any individual's circumstances.
  4. Access to specific client-only features, such as an Account portal for viewing statements, is subject to a formal, written client agreement and is not covered by these Regulations.

§ 4. Technical Requirements

  1. To use the Platform correctly, the User must have a device with internet access and an up-to-date web browser (e.g., Chrome, Firefox, Safari, Edge) with JavaScript and cookies enabled.
  2. The Service Provider is not responsible for any disruptions, including interruptions in the functioning of the Platform, caused by force majeure, unlawful actions of third parties, or incompatibility of the Platform with the User's technical infrastructure.
  3. The User is responsible for ensuring the security of their own devices and data against viruses and other online threats.

§ 5. Rights and Obligations of the User

  1. The User agrees to use the Platform in accordance with applicable law, social and moral norms, and the provisions of these Regulations. The User shall not provide content of an unlawful nature.
  2. All intellectual property rights to the content on the Platform, including texts, graphics, and the logo, are the property of the Service Provider and are protected by law. Unauthorized use is prohibited.
  3. The User is prohibited from taking any action that could interfere with the proper functioning of the Platform, including interfering with its content or technical elements, or using the Platform for purposes other than its intended use.
  4. The User acknowledges that all information transmitted via the internet is subject to risks of interception. When submitting personal data, the User does so at their own risk.
  5. The User is obliged to provide true and accurate data when using the contact form or other interactive elements of the Platform.

§ 6. Final Provisions

  1. Any disputes arising from the use of the Platform shall be governed by the laws of the Grand Duchy of Luxembourg and will be resolved by the competent courts in Luxembourg City.
  2. If any provision of these Regulations is found to be invalid or unenforceable, it will not affect the validity of the remaining provisions.
  3. For matters not covered by these Regulations, the relevant provisions of the Luxembourg Civil Code and other applicable laws shall apply.