1. Introduction

Welcome to skyadvances.com. These Terms and Conditions ("Terms") govern your access to and use of the website and services provided by Sky Advance Inc ("Company," "we," "us," or "our"), including financial advisory and investment management services. By accessing or using our website and services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our website or services.

2. Company Information

Sky Advance Inc is a company registered in the State of New York. Our principal place of business is located at:

• Address: 1222 Ave M, Brooklyn, NY 11230
• State: New York

3. Services

Sky Advance Inc provides financial advisory and investment management services. Our services include, but are not limited to:

• Financial planning and consultation
• Investment portfolio management and advisory
• Wealth management strategies
• Retirement planning
• Risk assessment and management

All services are subject to applicable laws and regulations. We reserve the right to modify, suspend, or discontinue any service at any time without prior notice.

4. User Consent

By using our website and services, you consent to the collection, use, and sharing of your information as described in our Privacy Policy. You acknowledge that you have read and understood our Privacy Policy and agree to its terms. You also consent to receive electronic communications from us, including emails, text messages, and notifications related to your account and our services.

5. SMS Terms & Conditions

By opting in to SMS communications from Sky Advance Inc, you agree to the following:

• You consent to receive recurring SMS/text messages from Sky Advance Inc, including account notifications, service updates, appointment reminders, and promotional offers.
• Message frequency may vary depending on your account activity and preferences.
• Standard message and data rates may apply, depending on your mobile carrier plan.
• To opt out, reply STOP to any message. You will receive a one-time confirmation and will no longer receive SMS messages unless you re-subscribe.
• For help, reply HELP to any message or email us at info@skyadvances.com.
• Carriers are not liable for delayed or undelivered messages.
• We will not share your phone number or SMS opt-in data with third parties for their marketing purposes.
• SMS consent is not a condition of purchase or use of our services.

6. Intellectual Property

All content, materials, trademarks, logos, and intellectual property displayed on our website are the exclusive property of Sky Advance Inc or its licensors. You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit any content from our website without our prior written consent. Unauthorized use of our intellectual property may violate copyright, trademark, and other applicable laws.

7. User Responsibilities

As a user of our services, you agree to:

• Provide accurate, current, and complete information when creating an account or using our services.
• Maintain the confidentiality of your account credentials and promptly notify us of any unauthorized access.
• Use our services only for lawful purposes and in compliance with all applicable laws and regulations.
• Not engage in any activity that could damage, disable, or impair our website or interfere with other users' access.
• Not attempt to gain unauthorized access to any part of our website, systems, or networks.

8. Limitation of Liability

To the fullest extent permitted by applicable law, Sky Advance Inc, its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, goodwill, or other intangible losses, arising out of or in connection with your use of our website or services. Our total liability for any claim arising from these Terms or your use of our services shall not exceed the total amount paid by you to us in the twelve (12) months preceding the claim.

9. Disclaimer of Warranties

Our website and services are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied. We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that our website will be uninterrupted, error-free, or free of viruses or other harmful components. Any investment decisions made based on information provided through our services are at your own risk.

10. Indemnification

You agree to indemnify, defend, and hold harmless Sky Advance Inc, its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in connection with your use of our website or services, your violation of these Terms, or your violation of any rights of a third party.

11. Privacy Policy

Your use of our services is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. By using our services, you consent to the practices described in the Privacy Policy.

12. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any disputes arising out of or relating to these Terms shall be resolved exclusively in the state or federal courts located in New York, and you consent to the personal jurisdiction of such courts.

13. Changes to These Terms

We reserve the right to update or modify these Terms and Conditions at any time without prior notice. Changes will be effective immediately upon posting the revised Terms on our website with an updated "Last Updated" date. Your continued use of our website or services after any changes constitutes your acceptance of the modified Terms. We encourage you to review these Terms periodically.

14. Contact Us

If you have any questions, concerns, or requests regarding these Terms and Conditions, please contact us:

• Company: Sky Advance Inc
• Email: info@skyadvances.com
• Address: 1222 Ave M, Brooklyn, NY 11230

Last Updated: February 10, 2026. © 2026 Sky Advance Inc. All rights reserved.