Terms and Conditions

By accessing or using SK Fintech LLC's (“Company,” “we,” “us,” or “our”) website and services, you (“Client,” “you,” or “your”) agree to be bound by these Terms and Conditions (“Terms”). If you do not agree to these Terms, please discontinue use of our services immediately.

SK Fintech LLC provides:

• Financial consulting and solutions services
• Business growth strategy consulting
• Funding solutions and capital raising assistance
• Technology consulting services
• Related professional services as agreed upon

Information Accuracy

• You must provide accurate, complete, and current information
• You are responsible for maintaining the confidentiality of your account credentials
• You must promptly notify us of any unauthorized access or security breaches

Compliance

• You agree to comply with all applicable laws and regulations
• You will not use our services for any illegal or unauthorized purposes
• You acknowledge responsibility for your business decisions and financial outcomes

No Investment Advice

• We are not registered investment advisors or broker-dealers
• Our services do not constitute investment, legal, or tax advice
• All recommendations are for informational purposes only
• You should consult qualified professionals for specific advice

No Guarantee of Results

• We make no guarantees regarding funding success or business outcomes
• Past performance does not indicate future results
• Market conditions and external factors may affect service effectiveness

Technology Services

• Technology solutions are provided “as is” without warranties
• We do not guarantee uninterrupted or error-free service
• System maintenance may cause temporary service interruptions

Fee Structure

• Fees are determined by service scope and complexity
• Payment schedules are outlined in individual service agreements
• All fees are exclusive of applicable taxes unless otherwise stated

Payment Obligations

• Payments are due as specified in service agreements
• Late payments may incur additional charges
• Non-payment may result in service suspension or termination

Refund Policy

• Refunds are subject to the terms of individual service agreements
• Work completed in good faith is generally non-refundable
• Disputes regarding fees should be raised promptly

Our Intellectual Property

• All content, methodologies, and proprietary information remain our property
• Clients receive limited license to use our deliverables for intended business purposes
• Reproduction or distribution of our materials requires written consent

Client Intellectual Property

• We respect your intellectual property rights
• You grant us limited license to use your information to provide services
• Confidential information is protected under separate confidentiality agreements

Mutual Confidentiality

• Both parties agree to maintain confidentiality of sensitive information
• Confidential information may only be disclosed with prior written consent
• Confidentiality obligations survive termination of services

Data Security

• We implement industry-standard security measures
• Client data is protected according to our Privacy Policy
• Data breaches will be reported according to applicable regulations

Scope of Limitations

• Our liability is limited to the fees paid for the specific service
• We are not liable for indirect, consequential, or punitive damages
• Limitations apply to the fullest extent permitted by law

Professional Liability

• Our liability for professional services is limited to correction or re-performance
• We maintain professional liability insurance as appropriate
• Claims must be brought within one year of service completion

You agree to indemnify and hold us harmless from claims arising from:

• Your use of our services
• Your breach of these Terms
• Your violation of applicable laws or third-party rights
• Unauthorized use of your account

Termination by Either Party

• Either party may terminate services with written notice
• Termination does not affect completed work or payment obligations
• Confidentiality and intellectual property provisions survive termination

Termination for Cause

• We may terminate immediately for breach of Terms
• Grounds for termination include non-payment, illegal activities, or breach of confidentiality
• No refunds are provided for termination due to client breach

Financial Services Regulations

• We comply with applicable financial services regulations
• Services are subject to regulatory oversight where applicable
• Regulatory changes may affect service delivery

Anti-Money Laundering (AML)

• We maintain AML compliance procedures
• Client identification and verification may be required
• Suspicious activities will be reported to appropriate authorities

Governing Law

• These Terms are governed by [State/Jurisdiction] law
• Any disputes will be resolved in the courts of [Jurisdiction]
• Parties agree to attempt mediation before litigation

Arbitration

• Business disputes may be subject to binding arbitration
• Arbitration procedures will follow [Arbitration Rules]
• Arbitration decisions are final and binding

Changes to Terms

• We reserve the right to modify these Terms at any time
• Material changes will be communicated through our website or direct notice
• Continued use of services constitutes acceptance of modified Terms

Service Changes

• We may modify or discontinue services with reasonable notice
• Changes will not affect existing service agreements
• New services may be subject to additional terms

Entire Agreement

• These Terms, together with service agreements, constitute the entire agreement
• Modifications must be in writing and signed by both parties
• If any provision is unenforceable, remaining provisions remain in effect

Force Majeure

• Neither party is liable for delays caused by circumstances beyond reasonable control
• Force majeure events include natural disasters, government actions, and technical failures
• Services will resume when circumstances permit

Assignment

• We may assign these Terms in connection with business transfers
• Clients may not assign their obligations without our written consent
• Assignment does not affect existing rights and obligations

For questions regarding these Terms and Conditions:

SK Fintech LLC
[email protected]