1. Eligibility & Account Registration
- You must be at least 18 years old and capable of forming a binding contract to use the Services.
- If you create an account, you agree to provide accurate information and to maintain the security of your login credentials. You are responsible for all activity under your account.
2. Educational Purpose Only (No Investment Advice)
The content, tools, and materials provided by Effenberger Service are for general educational purposes only and are not intended as investment, financial, tax, or legal advice. You are solely responsible for your investment decisions. Consider consulting a qualified advisor before acting on any information from the Services.
3. No Fiduciary Duty; Not a Broker-Dealer
Unless expressly stated in a separate, signed agreement, using the Services does not create an advisory, fiduciary, or client relationship with Effenberger Service. We do not execute trades, custody assets, or act as a broker-dealer.
4. Market Risk Disclosure
Investing involves risk, including the possible loss of principal. Past performance does not guarantee future results. You acknowledge that markets are volatile and that you, not Effenberger Service, bear all risks associated with your decisions.
5. User Conduct
- You agree not to misuse the Services, including attempting to interfere with their operation or accessing data without authorization.
- You will not upload or transmit content that is unlawful, infringing, defamatory, or harmful.
6. Intellectual Property
All content on the Services-text, graphics, logos, designs, videos, tools, and software-is owned or licensed by Effenberger Service and protected by intellectual property laws. You may use materials for personal, non-commercial purposes only and must retain all proprietary notices. Any other use requires our prior written consent.
7. License to Submitted Content
By submitting questions, comments, reviews, or other content to the Services, you grant Effenberger Service a worldwide, non-exclusive, royalty-free license to use, reproduce, and display such content in connection with operating and improving the Services, subject to our Privacy Policy.
8. Third-Party Links & Tools
The Services may reference third-party sites, products, or calculators. These are provided for convenience only. Effenberger Service does not control and is not responsible for third-party content, accuracy, or practices. Your use of third-party resources is at your own risk and may be subject to separate terms.
9. Disclaimers
- "As Is" Basis: The Services are provided on an "as is" and "as available" basis without warranties of any kind, express or implied.
- No Guarantee: We do not warrant that the Services will be uninterrupted, timely, secure, error-free, or that results will meet your expectations.
10. Limitation of Liability
To the maximum extent permitted by law, Effenberger Service and its directors, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or data, arising out of or related to your use of the Services, even if advised of the possibility of such damages. Our aggregate liability to you for all claims arising from the Services shall not exceed the amount you paid (if any) for access during the twelve (12) months preceding the claim.
11. Indemnification
You agree to defend, indemnify, and hold harmless Effenberger Service from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising from your use of the Services, your violation of these Terms, or your infringement of any rights of a third party.
12. Fees, Trials & Cancellations (If Applicable)
Some features may be offered for a fee. Prices and billing terms will be presented at checkout or in an order form. Unless otherwise stated, fees are non-refundable once a billing period begins. You may cancel future renewals via your account or by contacting us at mail@effenbergerservice.com.
13. Modifications to the Services
We may modify, suspend, or discontinue any part of the Services at any time with or without notice. We are not liable to you or any third party for any modification or discontinuation.
14. Suspension & Termination
We may suspend or terminate your access to the Services if we believe you have violated these Terms or applicable law, or to protect the integrity of the Services. Upon termination, sections that by their nature should survive (e.g., IP, disclaimers, limitation of liability) will remain in effect.
15. Governing Law & Dispute Resolution
These Terms are governed by the laws of the United States and the laws of the state of our principal place of business, without regard to conflict-of-law principles. You agree to submit to the exclusive jurisdiction and venue of the courts located in that state for any dispute arising from or relating to these Terms or the Services.
16. Changes to These Terms
We may update these Terms from time to time. When we do, we will post the revised version on this page. Your continued use of the Services after changes take effect constitutes acceptance of the updated Terms.
17. Contact Us
If you have questions about these Terms, please contact us:
- Phone: 786-605-2753
- Email: mail@effenbergerservice.com
- Address: 1555 N Treasure Dr, Miami, FL 33141