Last updated: 19 December 2025 Summit Ventures & Capital Montenegro d.o.o These Terms of Use (“Terms”) govern your access to and use of the website www.summitventurescapital.com (the “Website”), operated by Summit Ventures & Capital Montenegro d.o.o., a company registered in Montenegro (“we”, “us”, “our”). By accessing or using this Website, you agree to be bound by these Terms. If you do not agree, please do not use this Website. --- 1. Company Information Summit Ventures & Capital Montenegro d.o.o. Budva, Montenegro Registration Number: [add once available] VAT Number (PIB): [add once assigned] Email: info@summitvenurescapital.com --- 2. Purpose of the Website This Website provides information about our investment activities, land development projects, chalet construction concepts, and related services. **The Website does not constitute financial advice, investment advice, or an offer to sell securities.** All information is for general informational purposes only. --- 3. Eligibility You may use this Website only if you are at least 18 years old and legally capable of entering into a binding agreement under the laws of **Montenegro**. --- 4. Use of the Website

You agree to use the Website only for lawful purposes and in compliance with Montenegrin law, including the **Law on Electronic Commerce** and **Law on Obligations**. You may not: * misuse or interfere with the Website * attempt to gain unauthorized access to systems or data * use automated tools (bots, crawlers) without permission * engage in activities that could damage reputation, operations, or services We reserve the right to suspend or block access for violations. --- 5. Intellectual Property Rights All content on this Website—including text, images, graphics, logos, trademarks, and designs—is the property of **Summit Ventures & Capital Montenegro d.o.o.** or its licensors. You may not: * copy, distribute, or reproduce content * modify or create derivative works * use our trademarks without prior written consent Limited personal, non-commercial use is permitted. --- 6. Investment & Project Information Disclaimer Project descriptions, architectural visuals, land details, and financial projections (collectively “Project Information”) provided on the Website are: * **subject to change**, * **non-binding**, and * **not to be interpreted as a contractual offer** under the Montenegrin **Law on Obligations**. Actual construction feasibility depends on urbanistic conditions (UTU), municipal approval, and government regulations. We make no guarantees regarding: * project timelines * regulatory approvals * financial returns * future market performance Users must conduct their own due diligence. --- 7. External Links The Website may contain links to third-party sites. We do not control or endorse those sites and are not responsible for their content, terms, or privacy practices. --- 8. Privacy & Data Protection Any personal data submitted through the Website will be processed in accordance with the **Montenegrin Law on Personal Data Protection** (aligned with GDPR principles). We collect only data necessary to respond to inquiries, investment interest, or subscription requests. A separate **Privacy Policy** governs data-processing details. --- 9. Limitation of Liability To the fullest extent permitted under the **Law on Obligations of Montenegro**, we are not liable for: * indirect, incidental, or consequential damages * loss of profit, revenue, or business opportunities * inaccuracies or reliance on Project Information * temporary Website interruptions or technical issues Your use of the Website is at your own risk. --- 10. No Financial or Legal Advice Content on the Website is **informational only** and does not constitute: * financial advice * legal advice * tax advice * real estate brokerage services Before making any investment or purchase decision, consult a licensed professional in Montenegro or your jurisdiction. --- 11. Changes to Terms We may update these Terms at any time. The latest version will always be posted on the Website with the date of update. Continued use of the Website means you accept the updated Terms. --- 12. Governing Law & Jurisdiction These Terms are governed by the laws of Montenegro. Any disputes shall be resolved before the competent court in Bijelo Polje, unless otherwise required by mandatory Montenegrin consumer protection law. --- 13. Contact Information For any questions regarding these Terms, please contact: info@summitventurescapital.com