Terms of Service

Last updated: 1st January 2026

These Terms of Service ("Terms") govern your use of the website and services provided by ApexSignalium d.o.o. ("we," "our," or "us"). By accessing our website or using our services, you agree to be bound by these Terms.

Acceptance of Terms

By accessing and using the ApexSignalium website (apexsignalium.top) and our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, you must not use our website or services.

These Terms constitute a legally binding agreement between you and ApexSignalium d.o.o., a company registered in Slovenia with registration number 4982357861, having its registered office at Litijska cesta 97, 3079 Celje, Slovenia.

Description of Services

ApexSignalium provides personal finance budgeting guidance and financial planning services including:

• Personal budget analysis and optimisation
• Financial planning consultations
• Investment guidance and advice
• Risk management and insurance planning
• Retirement planning services
• Tax planning and optimisation advice
• Financial education and resources

User Obligations

When using our website and services, you agree to:

• Provide accurate, complete, and truthful information about your financial situation
• Use our services only for lawful purposes and in accordance with these Terms
• Maintain the confidentiality of any login credentials or account information
• Not interfere with or disrupt our website or services
• Not attempt to gain unauthorised access to any part of our systems
• Comply with all applicable laws and regulations
• Respect the intellectual property rights of ApexSignalium and third parties

Professional Advice Disclaimer

The information and advice provided by ApexSignalium are for educational and informational purposes. While we strive to provide accurate and helpful guidance, our services do not constitute:

• Legal advice or legal services
• Tax advice (unless explicitly stated and provided by qualified tax professionals)
• Investment advice regulated under financial services legislation
• Guaranteed financial outcomes or returns

You should always consult with qualified professionals for specific legal, tax, or regulated investment advice appropriate to your individual circumstances.

Payment Terms

Payment for our services is due in advance unless otherwise agreed in writing. We accept payments via bank transfer and other methods as specified during the booking process. Prices are quoted in Euros (EUR) and include applicable VAT where required.

Refunds may be provided at our discretion and in accordance with our refund policy, which will be communicated at the time of service booking.

Intellectual Property

All content on our website, including text, graphics, logos, images, audio clips, digital downloads, and software, is the property of ApexSignalium or its content suppliers and is protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, publicly perform, republish, download, store, or transmit any of our content without our prior written consent, except for your personal, non-commercial use.

Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which forms part of these Terms. By using our services, you consent to the collection and use of your information as described in our Privacy Policy.

Limitation of Liability

To the fullest extent permitted by applicable law, ApexSignalium shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of our services.

Our total liability to you for all claims arising from or related to our services shall not exceed the amount you have paid to us for the specific service giving rise to the claim in the twelve (12) months preceding the claim.

Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be excluded or limited under applicable law.

Indemnification

You agree to indemnify, defend, and hold harmless ApexSignalium, its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from your violation of these Terms or your use of our services.

Termination

We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use our services will cease immediately.

You may terminate your relationship with us at any time by discontinuing your use of our services. Termination does not relieve you of any obligations to pay outstanding fees or charges.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of Slovenia, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of our services shall be subject to the exclusive jurisdiction of the courts of Slovenia.

If you are a consumer resident in the European Union, you may also bring proceedings in the courts of your country of residence, and nothing in these Terms affects your rights as a consumer under applicable EU consumer protection laws.

Dispute Resolution

We encourage you to contact us directly to resolve any disputes. If you are a consumer in the EU, you may also use the European Commission's Online Dispute Resolution platform, available at ec.europa.eu/consumers/odr/.

Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the updated Terms on our website and updating the "Last updated" date. Your continued use of our services after such modifications constitutes your acceptance of the updated Terms.

Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect. The invalid provision shall be replaced with a valid provision that most closely reflects the intent of the original provision.

Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published on our website, constitute the entire agreement between you and ApexSignalium regarding your use of our services and supersede all prior agreements and understandings.

Contact Information

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