Terms & Conditions
These Terms & Conditions govern your access to and use of the website operated by OIKONOMOU GEORGIOS SP trading as Terminus, including all pages, content, reports, forms, downloads, emails, and related services made available through www.terminus-efa.com.
By accessing or using this website, you confirm that you have read, understood, and agreed to be bound by these Terms & Conditions and any other legal notices published on the website.
If you do not agree with these Terms & Conditions, you must not use this website.
1. Website purpose
This website provides general information about Terminus and its services, including macroeconomic forecasting, investment-related research, risk analysis, and business advisory support.
All website content is provided for informational and educational purposes only and does not create an advisory, fiduciary, client, or professional relationship unless expressly stated in a separate written agreement.
2. Eligibility
By using this website, you represent that you are at least 18 years old and legally capable of entering into binding agreements under applicable law.
You also represent that your use of the website does not violate any law, regulation, or contractual obligation applicable to you.
3. Permitted use
You may use this website only for lawful purposes and only in a manner consistent with these Terms & Conditions.
You may view website content for your personal or internal business use, subject to the restrictions set out below.
4. Prohibited conduct
You agree not to:
· Use the website in any way that violates applicable law or regulation.
· Use the website to promote or sell third-party services, financial products, or unrelated commercial offers without prior written consent.
· Copy, reproduce, republish, distribute, modify, scrape, harvest, or systematically extract website content without prior written permission.
· Use bots, spiders, scrapers, or other automated means to access, monitor, or collect data from the website.
· Upload or transmit malware, malicious code, or any material intended to disrupt the website or related systems.
· Attempt to gain unauthorized access to restricted areas, servers, accounts, or infrastructure connected with the website.
· Misrepresent your identity, affiliation, or purpose when contacting Terminus through the website.
· Interfere with the operation, security, availability, or integrity of the website.
We may suspend, restrict, or terminate access to the website at our discretion where we believe a user has breached these Terms & Conditions or created legal, technical, or reputational risk.
5. Intellectual property
Unless otherwise stated, all content on this website, including text, branding, research frameworks, design elements, graphics, logos, reports, downloads, and underlying materials, is owned by or licensed to Terminus and is protected by applicable intellectual property laws.
No right, title, or interest in any intellectual property is transferred to you by your use of the website.
You may not reproduce, adapt, publish, commercialize, or create derivative works from website content without our prior written consent, except where such use is expressly permitted by law.
6. No reliance
Website content may include market commentary, macroeconomic views, forecast models, scenario analysis, portfolio observations, or business-risk commentary.
Such content reflects general analysis only, may change without notice, and should not be relied upon as personalized investment, legal, tax, accounting, or commercial advice.
You are solely responsible for evaluating any information before acting on it and for seeking independent professional advice where appropriate.
7. No offer or advice
Nothing on this website constitutes an offer, solicitation, recommendation, or invitation to buy, sell, hold, or transact in any security, derivative, currency, commodity, or other instrument.
Nothing on this website constitutes regulated investment advice, portfolio management, legal advice, tax advice, or any other licensed professional service unless expressly provided under a separate written engagement and in compliance with applicable law.
8. Paid services
Any consulting, forecasting, research, investment-related, or advisory services provided by Terminus are subject to a separate written agreement, proposal, engagement letter, statement of work, or client contract.
That separate agreement will govern the scope of services, fees, payment terms, deliverables, timelines, confidentiality, liability, and termination rights, and will prevail over these website Terms & Conditions to the extent of any inconsistency.
No purchase of services is completed through this website unless expressly stated at the point of sale.
9. Third-party links
This website may contain links to third-party websites, platforms, tools, or resources for convenience only.
Terminus does not control and is not responsible for the content, availability, accuracy, or practices of third-party websites or services, and inclusion of any link does not imply endorsement.
10. Availability
We do not guarantee that the website, or any content on it, will always be available, uninterrupted, secure, or error-free.
We may modify, suspend, withdraw, or discontinue any part of the website or its content at any time without notice.
To the fullest extent permitted by law, we are not liable for any consequence arising from website downtime, unavailability, delay, or technical failure.
11. Warranties
The website and all content are provided on an “as is” and “as available” basis.
To the fullest extent permitted by law, Terminus disclaims all representations and warranties, express or implied, including warranties of accuracy, completeness, merchantability, fitness for a particular purpose, non-infringement, and availability.
We do not warrant that content is current, complete, suitable for your objectives, or free from errors or omissions.
12. Limitation of liability
To the fullest extent permitted by applicable law, Terminus and its officers, directors, employees, contractors, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive loss or damage arising out of or in connection with your use of, or inability to use, the website.
This includes, without limitation, loss of profits, loss of business, loss of opportunity, loss of revenue, loss of data, loss of goodwill, or trading or commercial losses.
Nothing in these Terms & Conditions excludes liability that cannot lawfully be excluded under applicable law.
13. Indemnity
You agree to indemnify, defend, and hold harmless Terminus and its officers, directors, employees, contractors, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses, including reasonable legal fees, arising out of or related to your misuse of the website, your breach of these Terms & Conditions, or your violation of applicable law or third-party rights.
14. Privacy
Use of the website may involve the collection and processing of personal data.
Any handling of personal data will be governed by the Terminus Privacy Policy, as published and updated from time to time on the website.
15. Changes
We may update or amend these Terms & Conditions at any time by publishing the revised version on the website.
Your continued use of the website after any update takes effect constitutes acceptance of the revised Terms & Conditions.
16. Governing law
These Terms & Conditions shall be governed by and construed in accordance with the laws of GREECE.
Any dispute arising out of or in connection with these Terms & Conditions or the use of the website shall be subject to the exclusive or non-exclusive jurisdiction of the courts of KOMOTINI, GREECE depending on your preferred drafting position.
17. Contact
If you have questions about these Terms & Conditions, you may contact Terminus at: info@terminus-efa