Terms of Use

Acceptance of these terms

These Terms of Use govern your access to and use of the website operated by Sirmium Capital LLC (“Sirmium Capital,” “we,” “us,” or “our”). By accessing or using this site, you agree to be bound by these terms. If you do not agree, please do not use the site.

No advice; no advisory relationship

All content on this site is provided for general educational and informational purposes only. It is not investment, tax, legal, or accounting advice, and it is not a recommendation, solicitation, or offer to buy or sell any security or to adopt any strategy. Using this site, contacting us, or downloading a guide does not by itself create an advisory, fiduciary, or client relationship. Such a relationship is formed only through a signed written advisory agreement.

Calculators & illustrations

Any calculators, estimates, or illustrations on this site are hypothetical and simplified, rely on the inputs and assumptions provided, and are for education only. They are not predictions, guarantees, eligibility determinations, or personalized advice, and actual results will differ. Confirm all figures with the relevant pension or plan administrator and a qualified professional before acting.

Intellectual property

The content on this site, including text, research, guides, audio, graphics, logos, and design, is owned by or licensed to Sirmium Capital and is protected by intellectual-property laws. You may view and share links to our content, but you may not copy, reproduce, republish, or distribute it for commercial purposes without our prior written permission.

Acceptable use

You agree not to use the site in any way that is unlawful, that interferes with its operation or security, that attempts to gain unauthorized access to any system, or that infringes the rights of others.

Third-party links

The site may contain links to third-party websites and resources. We provide these for convenience and do not control or endorse them, and we are not responsible for their content, products, or practices. Your use of third-party sites is at your own risk and subject to their terms.

Disclaimer of warranties

The site and its content are provided “as is” and “as available” without warranties of any kind, whether express or implied, including warranties of accuracy, merchantability, or fitness for a particular purpose. We do not warrant that the site will be uninterrupted, error-free, or free of harmful components.

Limitation of liability

To the fullest extent permitted by law, Sirmium Capital and its members, officers, and employees will not be liable for any indirect, incidental, consequential, or special damages arising out of or relating to your use of, or inability to use, this site or its content.

Governing law

These terms are governed by the laws of the State of New York, without regard to its conflict-of-laws principles. Any dispute relating to these terms or the site will be subject to the exclusive jurisdiction of the state and federal courts located in New York.

Changes to these terms

We may update these terms from time to time. Changes take effect when posted, and the “last updated” date above reflects the most recent revision. Your continued use of the site after changes are posted constitutes acceptance of the revised terms.

Contact

Questions about these terms? Email hello@sirmiumcapital.com or schedule a call.