Last Updated: May 15, 2023

1. Introduction

JM Advisory ("we," "our," or "us") respects your privacy and is committed to protecting your personal data. This privacy policy explains how we collect, use, and safeguard your information when you visit our website or engage our services.

2. Information We Collect

We may collect the following types of information:

• Personal Information: Name, email address, phone number, and other contact details you provide when filling out our contact form.
• Financial Information: Information about your financial situation, goals, and objectives shared during consultations.
• Technical Data: IP address, browser type, device information, and cookies when you browse our website.

3. How We Use Your Information

We use your information to:

• Provide and personalize our financial advisory services
• Respond to your inquiries and consultation requests
• Send relevant communications about our services
• Improve our website and service offerings
• Comply with legal and regulatory requirements

4. Data Security

We implement appropriate security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. All information is stored on secure servers with encryption protocols.

5. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes for which we collected it, including legal, accounting, or reporting requirements.

6. Your Rights

Under applicable data protection laws, you have rights including:

• The right to access your personal data
• The right to correction of inaccurate data
• The right to erasure of your data
• The right to restrict processing of your data
• The right to data portability

7. Cookies

Our website uses cookies to enhance your browsing experience. You can set your browser to refuse all or some browser cookies, but this may prevent some parts of our website from functioning properly.

8. Third-Party Links

Our website may include links to third-party websites. Clicking on those links may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements.

9. Changes to This Privacy Policy

We may update our privacy policy from time to time. Any changes will be posted on this page with an updated revision date.

10. Contact Us

If you have any questions about this privacy policy or our data practices, please contact us at:

Email: privacy@jmadvisory.se
Phone: +31 6 17895503
Address: Strandvägen 7, 114 56 Stockholm, Sweden

Last Updated: May 15, 2023

1. Acceptance of Terms

By accessing or using the JM Advisory website and services, you agree to be bound by these Terms of Service. If you do not agree to all the terms and conditions, you must not use our services.

2. Description of Services

JM Advisory provides financial advisory and investment consulting services, including but not limited to investment management, retirement planning, estate planning, business advisory, tax optimization, and risk management.

3. Professional Relationship

Any information provided on our website is for general informational purposes only and does not constitute a client-advisor relationship. A formal engagement begins only after both parties have signed a written agreement.

4. Financial Advice Disclaimer

The information provided on our website and during consultations is not intended to replace professional financial advice tailored to your specific circumstances. Financial markets involve risk, and past performance is not indicative of future results.

5. User Responsibilities

You agree to:

• Provide accurate and complete information when communicating with us
• Use our services only for lawful purposes
• Not attempt to gain unauthorized access to any part of our website
• Not use our website in any way that could damage, disable, or impair the site

6. Intellectual Property

All content on the JM Advisory website, including text, graphics, logos, images, and software, is the property of JM Advisory and is protected by copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works without our express permission.

7. Privacy

Your use of our services is also governed by our Privacy Policy, which is incorporated into these Terms of Service by reference.

8. Limitation of Liability

To the maximum extent permitted by law, JM Advisory shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use or inability to use our services.

9. Indemnification

You agree to indemnify and hold harmless JM Advisory and its employees from any claims, damages, liabilities, costs, or expenses arising from your use of our services or violation of these terms.

10. Termination

We reserve the right to terminate or suspend your access to our services at our sole discretion, without notice, for conduct that we believe violates these Terms of Service or is harmful to other users, us, or third parties.

11. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of Sweden, without regard to its conflict of law provisions.

12. Changes to Terms

We reserve the right to modify these terms at any time. We will provide notice of significant changes by posting an updated version on our website.

13. Contact Information

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

Email: legal@jmadvisory.se
Phone: +31 6 17895503
Address: Strandvägen 7, 114 56 Stockholm, Sweden

Last Updated: May 15, 2023

General Disclaimer

The information provided by JM Advisory on our website and during consultations is for general informational purposes only. All information is provided in good faith; however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information.

Financial Disclaimer

The content on this website is not intended to be a substitute for professional financial advice, diagnosis, or treatment. Always seek the advice of a qualified financial advisor with any questions you may have regarding your financial situation.

Investment involves risk. The value of investments and the income from them can go down as well as up and investors may not get back the amounts originally invested. Past performance is not a reliable indicator of future performance.

No Client-Advisor Relationship

The use of this website does not establish a client-advisor relationship. Such a relationship is only formed after signing a written agreement that clearly establishes the terms of the advisory relationship.

External Links Disclaimer

The JM Advisory website may contain links to external websites that are not provided or maintained by us. We do not guarantee the accuracy, relevance, timeliness, or completeness of any information on these external websites.

Professional Licensing

Jon Martensson holds all required licenses and certifications to provide financial advisory services in Sweden. These qualifications are subject to verification upon request.

Tax and Legal Matters

JM Advisory does not provide tax, legal, or accounting advice. The material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal, or accounting advice. You should consult your own tax, legal, and accounting advisors before engaging in any transaction.

Forward-Looking Statements

Any financial projections or forecasts presented are estimates only and based on assumptions that may not be realized. Actual results may vary significantly.

Errors and Omissions

The information on our website is subject to change without notice and may contain errors or inaccuracies. We do not guarantee the accuracy or completeness of the information provided.

Contact Information

If you have any questions about this disclaimer, please contact us at:

Email: info@jmadvisory.se
Phone: +31 6 17895503
Address: Strandvägen 7, 114 56 Stockholm, Sweden