Terms of Service

These Terms of Service govern your use of the Summit Ledger website and the financial advisory services we provide. By accessing or using our services, you agree to be bound by these terms.

Effective date: November 1, 2025

1. Service Usage Terms

1.1 Acceptable Use Policy

When using our website and services, you agree to:

• Use the services only for lawful purposes and in accordance with these Terms
• Provide accurate, current, and complete information when requested
• Maintain the confidentiality of any account credentials
• Respect the intellectual property rights of Summit Ledger and third parties
• Refrain from attempting to gain unauthorized access to our systems

1.2 Permitted and Prohibited Uses

You may use our services to:

• Learn about our financial advisory services
• Request consultations and financial planning guidance
• Access informational resources we provide
• Communicate with our team about your financial objectives

You may not use our services to:

• Engage in fraudulent or deceptive practices
• Transmit malicious code or interfere with service operation
• Harvest or collect information about other users
• Violate any applicable laws or regulations

1.3 Service Access Requirements

To access our services, you must be at least 18 years of age and have the legal capacity to enter into binding agreements. You are responsible for ensuring that your use of our services complies with all applicable laws in your jurisdiction.

1.4 Fair Usage Guidelines

We strive to provide quality service to all users. Excessive or unreasonable use of our resources, including but not limited to automated queries or requests, may result in temporary or permanent restriction of access to protect service quality for all users.

2. Account Terms

2.1 Account Creation Requirements

While browsing our website does not require an account, certain services may require you to provide contact information or create credentials. You must provide accurate and complete information during any registration or service request process.

2.2 Account Security Responsibilities

You are responsible for maintaining the confidentiality of any account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other security breach.

2.3 Account Suspension and Termination

We reserve the right to suspend or terminate your access to our services if we determine, in our sole discretion, that you have violated these Terms of Service or engaged in conduct that we deem inappropriate or harmful to our business or other users.

2.4 Multiple Account Policies

Each individual or entity should maintain only one active service relationship with Summit Ledger unless otherwise agreed upon. Creating multiple accounts to circumvent service limitations or restrictions is prohibited.

3. Service Availability

3.1 Service Uptime and Maintenance

We strive to maintain continuous availability of our website and services. However, we may occasionally perform maintenance or experience technical issues that temporarily affect service availability. We will make reasonable efforts to provide advance notice of scheduled maintenance when possible.

3.2 Feature Availability

The features and services available through our website may vary over time. We reserve the right to add, modify, or discontinue features at our discretion. We will make reasonable efforts to communicate significant changes to our service offerings.

3.3 Geographic Restrictions

Our services are primarily designed for users in the United States. Access to our services from other locations may be subject to different terms or restrictions. You are responsible for ensuring that your use of our services complies with local laws and regulations.

3.4 Service Modifications and Updates

We continuously work to improve our services and may introduce updates, enhancements, or modifications. These changes may affect the functionality or appearance of our services. By continuing to use our services after such modifications, you accept the updated service terms.

4. Intellectual Property

4.1 Content Ownership

All content on the Summit Ledger website, including text, graphics, logos, images, and software, is the property of Summit Ledger or its content suppliers and is protected by copyright, trademark, and other intellectual property laws.

4.2 User-Generated Content Rights

Any information, feedback, or content you provide to us through contact forms, emails, or other means may be used by Summit Ledger for the purpose of providing services, improving our offerings, or as otherwise described in our Privacy Policy. You retain ownership of your content but grant us a license to use it for these purposes.

4.3 License Grants

We grant you a limited, non-exclusive, non-transferable license to access and use our website and services for their intended purposes. This license does not include the right to reproduce, distribute, modify, or create derivative works from our content without express written permission.

4.4 Copyright and Trademark Notices

Summit Ledger and our logo are trademarks of Summit Ledger. All other trademarks, service marks, and trade names referenced on our website are the property of their respective owners. Unauthorized use of any trademarks or copyrighted material is prohibited.

5. Disclaimers and Limitations

Our services are provided on an "as is" and "as available" basis. While we strive to provide accurate and helpful information, we make no warranties or representations about the accuracy or completeness of the content on our website or the suitability of our services for any particular purpose.

The financial information and frameworks we provide are intended for educational and planning purposes. They do not constitute financial advice, and you should consult with qualified financial professionals before making significant financial decisions.

6. Changes to Terms

We reserve the right to modify these Terms of Service at any time. We will provide notice of material changes by posting the updated terms on this page and updating the effective date. Your continued use of our services after such modifications constitutes your acceptance of the updated terms.

7. Contact Information

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

Summit Ledger

350 Fifth Avenue, Suite 5100

New York, NY 10118, United States

Email: [email protected]

Phone: +1 (212) 847-3926