Terms of Service

Acceptance of Terms

By accessing and using the website and services of NeonPraxis AS ("NeonPraxis," "we," "our," or "us"), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services. These terms apply to all visitors, users, and clients of our financial planning services.

Description of Services

NeonPraxis provides financial planning and advisory services to families and individuals, including but not limited to:

• Comprehensive financial planning and analysis
• Investment planning and portfolio management advice
• Retirement planning and pension optimisation
• Insurance and protection planning
• Education planning and savings strategies
• Estate planning guidance
• Budgeting and cash flow management

User Obligations

When using our services, you agree to:

• Provide accurate, complete, and current information about your financial situation
• Maintain the confidentiality of any login credentials or account information
• Notify us promptly of any changes to your personal or financial circumstances
• Use our services only for lawful purposes and in accordance with these terms
• Respect the intellectual property rights of NeonPraxis and third parties
• Not attempt to gain unauthorised access to our systems or services

Client Responsibilities

As a client, you are responsible for making the final decisions regarding your financial affairs. Whilst we provide professional advice and recommendations, you retain full responsibility for implementing or declining any suggested strategies. You acknowledge that all investment and financial decisions carry inherent risks.

Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, software, and financial planning materials, is the property of NeonPraxis AS or its licensors and is protected by Norwegian and international copyright laws.

Permitted Use

You may view, download, and print content from this website for your personal, non-commercial use only. You may not:

• Reproduce, distribute, or transmit any content without written permission
• Use any content for commercial purposes
• Modify, adapt, or create derivative works from our content
• Remove any copyright or proprietary notices

Financial Plans and Reports

Any financial plans, reports, or analyses prepared specifically for you remain your property but may not be shared with third parties without our consent. These documents are confidential and intended solely for your use in making informed financial decisions.

Limitation of Liability

To the fullest extent permitted by Norwegian law, NeonPraxis AS shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from:

• The use or inability to use our services or website
• Investment losses or financial decisions based on our advice
• Errors or omissions in our recommendations or analysis
• Interruption or termination of services
• Third-party actions or market conditions beyond our control

Professional Indemnity

NeonPraxis maintains professional indemnity insurance as required by Norwegian financial services regulations. However, this does not guarantee compensation for all losses and is subject to policy terms and conditions.

Maximum Liability

In no event shall our total liability to you exceed the amount of fees paid by you to NeonPraxis in the twelve months preceding the claim. This limitation applies regardless of the legal theory upon which the claim is based.

Financial Services Disclaimer

Important disclaimers regarding our financial services:

• Past performance does not guarantee future results
• All investments carry risk, including potential loss of principal
• Financial markets can be volatile and unpredictable
• Tax laws and regulations may change, affecting financial strategies
• Economic conditions may impact the performance of recommended strategies
• We do not guarantee specific investment returns or financial outcomes

Privacy and Confidentiality

We are committed to protecting your privacy and maintaining the confidentiality of your personal and financial information. Our privacy practices are detailed in our Privacy Policy, which forms part of these terms. We adhere to strict confidentiality standards required by Norwegian financial services regulations.

Termination

Either party may terminate our service relationship at any time with written notice. Upon termination:

• You remain responsible for any outstanding fees
• We will provide final reports and transfer necessary documents
• Confidentiality obligations continue indefinitely
• You may request the return or destruction of personal documents

Suspension of Services

We reserve the right to suspend or terminate services immediately if you breach these terms, fail to pay fees, or engage in conduct that we reasonably believe may harm our reputation or business.

Governing Law

These Terms of Service are governed by and construed in accordance with Norwegian law. Any disputes arising from these terms or our services shall be subject to the exclusive jurisdiction of the Norwegian courts.

Dispute Resolution

Before initiating legal proceedings, we encourage clients to first attempt to resolve disputes through direct discussion. If this is unsuccessful, disputes may be referred to the Norwegian Financial Services Complaints Board (Finansklagenemnda) if applicable to the nature of the complaint.

Regulatory Information

NeonPraxis AS is subject to Norwegian financial services regulations. We are committed to:

• Maintaining appropriate professional standards
• Acting in our clients' best interests
• Providing clear and fair information about our services
• Complying with anti-money laundering requirements
• Maintaining adequate professional indemnity insurance

Changes to Terms

We may update these Terms of Service from time to time to reflect changes in our services, legal requirements, or business practices. We will notify you of material changes by posting updated terms on our website and updating the "last updated" date. Continued use of our services after changes constitutes acceptance of the revised terms.

Severability

If any provision of these terms is found to be unenforceable or invalid by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The unenforceable provision shall be replaced with an enforceable provision that most closely reflects the original intent.

Contact Information

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

Company Details