Terms & Conditions

Welcome to Primex Financial. These Terms and Conditions govern your use of our website, services, and financial planning resources provided by Primex Financial (referred to as "we," "us," or "our"). By accessing or using our services, you agree to be bound by these terms. If you disagree with any part of these terms, you must not access our service.

1. Interpretation and Definitions

For the purposes of these Terms and Conditions:

• Affiliate means an entity that controls, is controlled by, or is under common control with a party, where "control" means ownership of 50% or more of the shares, equity interest, or other securities entitled to vote for election of directors or other managing authority.
• Country refers to: Germany.
• Company (referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to Primex Financial, Hauptstraße 50, Dortmund, 44137, Germany.
• Device means any device that can access the Service such as a computer, a cellphone, or a digital tablet.
• Service refers to the Website and the financial coaching and planning services provided by Primex Financial.
• Terms and Conditions (also referred as "Terms") mean these Terms and Conditions that form the entire agreement between You and the Company regarding the use of the Service.
• Third-party Social Media Service means any services or content (including data, information, products, or services) provided by a third party that may be displayed, included, or made available by the Service.
• Website refers to Primex Financial, accessible from https://primexfinancial.com.
• You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

2. Nature of Services

Primex Financial provides financial literacy coaching, budget allocation strategies, and educational resources. We are not a registered investment advisor, broker-dealer, or tax advisor. The information provided on this website and during our coaching sessions is for informational and educational purposes only and does not constitute financial advice, legal advice, tax advice, or investment recommendations.

Any action taken by you based on the information provided by Primex Financial is strictly at your own risk. You should consult with a certified professional before making any financial decisions.

3. User Accounts and Registration

To access certain features of our Service, you may be required to create an account. You agree to provide accurate, current, and complete information during the registration process. You are responsible for safeguarding the password that you use to access the Service and for any activities or actions under your password.

You agree not to disclose your password to any third party. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account. We reserve the right to terminate your account at any time for any reason, including but not limited to a breach of these Terms.

3.1. Client Responsibilities

As a client of Primex Financial, you agree to:

• Provide all necessary financial information requested for the preparation of your budget or financial plan.
• Cooperate fully with our coaches and respond to communications in a timely manner.
• Implement the strategies discussed at your own discretion.
• Notify us immediately if there are any changes to your financial situation that may affect the plan.

4. Fees and Payment Terms

Our fees for services are outlined in our service proposals and on our website. Payment is due prior to the commencement of services unless otherwise agreed upon in writing. We accept various payment methods including bank transfers and credit cards.

Refunds are handled on a case-by-case basis. If you are not satisfied with the service, please contact us within 14 days of the service delivery. Primex Financial reserves the right to modify its fees at any time. Any changes will be communicated to you in advance.

5. Intellectual Property Rights

Unless otherwise stated, Primex Financial and/or its licensors own the intellectual property rights for all material on this website. All intellectual property rights are reserved.

You may access this from Primex Financial for your own personal use subjected to restrictions set in these terms and conditions. You must not:

• Republish material from Primex Financial.
• Sell, rent or sub-license material from Primex Financial.
• Reproduce, duplicate or copy material from Primex Financial.
• Redistribute content from Primex Financial.

6. User Data and Privacy

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your personal data. By using our Service, you agree to the collection and use of information in accordance with our Privacy Policy.

6.1. Data Protection (GDPR)

As we are based in Germany and serve clients globally, we comply with the General Data Protection Regulation (GDPR). Primex Financial acts as the Data Controller for your personal information.

You have the right to:

• Access your personal data.
• Rectify inaccurate or incomplete data.
• Request erasure of your data (the "right to be forgotten").
• Object to processing of your data.
• Request data portability.

To exercise these rights, please contact our Data Protection Officer at [email protected].

7. Disclaimer and Limitation of Liability

The materials on Primex Financial's website are provided on an 'as is' basis. Primex Financial makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

Further, Primex Financial does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this site.

In no event shall Primex Financial or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Primex Financial's website, even if Primex Financial or a Primex Financial authorized representative has been notified orally or in writing of the possibility of such damage.

8. Indemnification

You agree to indemnify, defend, and hold harmless Primex Financial, its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney's fees), resulting from or arising out of a) your use and access of the Service, by you or any person using your account and password; b) a breach of these terms; or c) Content posted on the Service.

9. Termination

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

Upon termination, your right to use the Service will immediately cease. All provisions of the Terms which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity and limitations of liability.

10. Governing Law

These Terms shall be governed and construed in accordance with the laws of Germany, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. 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.

11. Changes to These Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Service.

12. Contact Information

If you have any questions about these Terms and Conditions, please contact us: