Disclaimer

This Disclaimer governs the use of the website gmfinancialgroup.gr and any interaction or communication with GM Financial Group (the “Company”, “we”, “us”).

By accessing or using this website, you acknowledge that you have read, understood, and accepted the terms set out below.

1. Nature of Services – Independent Advisory Role

The Company operates as an independent corporate finance and advisory practice, providing non-discretionary professional services of a preparatory, analytical, structuring, and process-support nature.

Such services may include, indicatively:

• collection, organisation, and high-level review of information and documentation,
• preliminary screening and internal assessment of corporate, project, or commercial financing requests,
• preparation, structuring, and presentation of financing or transaction documentation,
• assessment of funding readiness, financial positioning, and the suitability of a proposed financing approach,
• coordination of communications and information exchanges during a financing assessment or funding process,
• introduction of interested parties to independent third-party lenders or funding counterparties, including banks, funds, and private capital providers.

Any such introduction is made solely as part of the Company’s independent advisory and process-support role. The Company does not act as a financial institution, lender, credit provider, credit broker, underwriter, placement agent, or decision-making authority.

The Company does not approve financing, make lending or investment decisions, commit capital, determine the terms on which funding will be provided, or bind any client or third-party counterparty to a transaction.

Nothing in the Company’s services constitutes a representation that any particular activity, transaction, introduction, or proposed financing arrangement falls outside any regulatory requirement applicable to the relevant parties, jurisdiction, or transaction.

2. No Regulated Services – No Advice

The Company does not provide:

• investment services or investment advice,
• regulated financial, credit, securities, brokerage, underwriting, placement, or dealing services,
• legal, accounting, or tax advice,
• discretionary portfolio management or asset management services,
• execution of financing or investment transactions.

The Company may exercise only those advisory, communication, coordination, and process-support responsibilities expressly granted under a separate written agreement. It has no authority to accept or amend financing or investment terms, execute transaction documents, or create binding contractual obligations on behalf of any client or third party, unless such authority is specifically granted in writing and is legally permitted.

The Company may support communications between clients and third-party counterparties, coordinate the exchange of information, assist in presenting or clarifying the client’s commercial and financial position, and provide strategic or process-related support during a financing assessment or funding process.

Any such support is provided solely within the Company’s independent advisory role and does not constitute the provision of regulated advice, the execution of a transaction, the exercise of discretion on behalf of a client, or the acceptance of contractual obligations in the client’s name.

All content and information published on this website, or otherwise communicated by the Company outside a specific written engagement, is provided for general informational purposes only and shall not be construed as regulated advice, legal or tax advice, a personal recommendation, an offer, a solicitation, or an invitation to enter into any financial transaction.

Clients and interested parties remain responsible for obtaining independent legal, accounting, tax, regulatory, and other specialist advice appropriate to their circumstances before entering into any transaction, financing arrangement, or binding commitment.

3. Indicative Assessments – Non-Binding Character

Any reference by the Company to a request, business, transaction, or project as “eligible”, “indicatively eligible”, “potentially suitable”, “not currently eligible”, or “non-eligible” constitutes a preliminary, internal, and non-binding assessment.

Such assessment is based solely on the information and documentation made available to the Company at the relevant time and is carried out for internal review, procedural, and advisory purposes only.

An indicative assessment does not constitute:

• approval of financing or investment,
• a commitment by the Company or any third-party counterparty,
• confirmation that a lender, fund, investor, or other funding source will review, accept, or proceed with the request,
• confirmation that the proposed structure, terms, amount, timetable, or transaction will be available or achievable,
• a guarantee of financing, investment, completion, or any other outcome.

Any indicative assessment may be revised, withdrawn, or reconsidered if further information becomes available, if the circumstances of the client or project change, or if the requirements, criteria, risk appetite, or procedures of a third-party counterparty differ from those initially anticipated.

The final decision regarding any financing, investment, or participation rests exclusively with the relevant third-party counterparty and is subject to its own due diligence, compliance, credit, legal, commercial, and approval procedures.

4. Third-Party Decisions – No Guarantee of Outcome

All financing, investment, credit, underwriting, participation, and transaction decisions are made exclusively by the relevant independent third-party counterparties.

Such counterparties apply their own eligibility criteria, credit policies, risk appetite, compliance requirements, due diligence procedures, internal approvals, commercial terms, and decision-making processes.

The Company does not control and cannot guarantee:

• whether any request, proposal, project, business, or transaction will be reviewed, accepted, approved, or completed,
• whether any lender, fund, investor, institution, or other funding source will provide financing or participate in a transaction,
• the amount, pricing, structure, security, covenants, conditions, or other terms that may be offered,
• the timing, duration, sequence, or completion of any review, approval, documentation, or disbursement process,
• the availability or continuity of any funding source, programme, product, mandate, or investment appetite,
• the outcome of any due diligence, compliance, credit, legal, technical, valuation, or commercial review.

Any indication that a transaction, project, or request may be suitable for presentation to a particular counterparty is preliminary and non-binding and does not constitute a representation that the counterparty will review, accept, approve, fund, invest in, or complete the proposed transaction.

The Company shall not be responsible for any decision, delay, change of position, request for additional information, rejection, withdrawal, suspension, or failure to proceed by any third-party counterparty.

5. Fees – Advisory and Success-Based Compensation

Any fees charged by the Company relate exclusively to the provision of professional advisory, assessment, preparation, structuring, documentation, coordination, and process-management services.

Fees may include fixed fees, staged fees, retainers, project-specific fees, or success-based compensation, where expressly agreed in writing between the Company and the client.

Where a success-based fee applies, it shall become payable only upon the occurrence of the specific transaction milestone, completion event, approval, execution, drawdown, disbursement, or other payment trigger expressly defined in the relevant written agreement.

The existence of any success-based fee does not constitute:

• a guarantee that financing, investment, approval, execution, drawdown, or disbursement will occur,
• a representation that any lender, fund, investor, institution, or other counterparty has committed to proceed,
• an obligation on the Company to finance, underwrite, approve, or complete any transaction,
• a waiver of any fixed, staged, advisory, assessment, preparation, or other fees separately agreed in writing.

All fees, fee structures, payment dates, conditions, milestones, refund provisions, expenses, taxes, and payment triggers are governed exclusively by the relevant written agreement between the Company and the client.

Unless expressly stated otherwise in writing, fees paid for services already performed, assessments completed, documentation prepared, or work undertaken are not dependent on the final approval or completion of any financing or investment transaction.

6. Accuracy of Information – Client Responsibility

Clients, prospective clients, introducers, representatives, and other interested parties are solely responsible for ensuring that all information, statements, data, projections, records, and documentation provided to the Company are accurate, complete, current, lawful, and not misleading.

The Company is entitled to rely on the information and documentation provided to it and, unless expressly agreed otherwise in writing, is not required to independently verify, audit, investigate, authenticate, or confirm such information.

The Company shall not be responsible for any consequence arising from:

• inaccurate, incomplete, outdated, inconsistent, misleading, or unlawfully obtained information,
• the omission or non-disclosure of any material fact, liability, dispute, restriction, adverse circumstance, or change in circumstances,
• forged, altered, unauthorised, or otherwise invalid documentation,
• assumptions, projections, valuations, forecasts, or estimates supplied by the client or any third party,
• any decision, delay, rejection, suspension, additional requirement, or adverse outcome resulting from information or documentation provided to the Company or to a third-party counterparty.

Clients and other information providers must notify the Company promptly of any material change, error, omission, inconsistency, or development that may affect the assessment, presentation, structuring, or progression of a request, project, or transaction.

The Company may suspend, discontinue, revise, or withdraw any assessment, recommendation, presentation, or process where it considers that the information provided is insufficient, inconsistent, unreliable, misleading, unlawful, or no longer current.

The provision or acceptance of information by the Company does not constitute verification, approval, endorsement, or confirmation of its accuracy, completeness, legality, or suitability.

7. Limitation of Liability

To the fullest extent permitted by applicable law, the Company shall not be liable for any indirect, incidental, consequential, special, or economic loss arising out of or in connection with:

• the use of, or inability to use, this website,
• reliance on any information, content, communication, indicative assessment, or material provided by the Company,
• any act, omission, decision, delay, rejection, withdrawal, suspension, or failure to proceed by any third-party lender, fund, investor, institution, adviser, service provider, or other counterparty,
• any failure, interruption, delay, error, inaccuracy, omission, technical malfunction, data loss, or unauthorised access affecting the website, electronic communications, or third-party systems,
• the rejection, delay, restructuring, suspension, withdrawal, or failure of any financing, investment, or transaction process,
• any inaccurate, incomplete, outdated, misleading, unlawful, or unauthorised information or documentation supplied by a client, introducer, representative, or third party.

Without limitation, the Company shall not be liable for any loss of profit, revenue, business, opportunity, anticipated savings, goodwill, reputation, data, financing opportunity, or commercial advantage.

The Company shall not be liable for any loss or damage resulting from circumstances beyond its reasonable control, including changes in law, regulation, market conditions, funding availability, counterparty appetite, compliance requirements, credit policy, internal approval procedures, or force majeure events.

Nothing in this Disclaimer excludes or limits any liability that cannot lawfully be excluded or limited, including liability arising from fraud, fraudulent misrepresentation, wilful misconduct, or any other liability which applicable law does not permit to be excluded.

Any liability of the Company arising in connection with a specific client engagement shall be governed by the limitation of liability provisions contained in the relevant written agreement.

8. No Agency or Fiduciary Relationship

Nothing in this Disclaimer, the use of this website, or any preliminary communication with the Company creates or shall be construed as creating any agency, partnership, joint venture, fiduciary, representative, employment, or other legally binding relationship between the Company and any user, prospective client, introducer, representative, lender, investor, service provider, or other third party.

The Company does not act as the agent, authorised representative, trustee, fiduciary, partner, employee, or legal representative of any client or third-party counterparty unless expressly agreed in a separate written agreement and to the extent legally permitted.

Unless expressly agreed in a separate written agreement and to the extent legally permitted, the Company has no authority to:

• make commitments, representations, warranties, or admissions on behalf of any client or third party,
• accept, reject, amend, or agree financing, investment, commercial, or contractual terms on behalf of any client or third party,
• sign documents, incur liabilities, receive funds, or hold assets on behalf of any client or third party, or otherwise legally bind any person or entity as to the terms or completion of any financing or investment transaction,
• enter into or create, on behalf of the parties, any binding financing, investment, or other transactional relationship between a client and any third-party lender, fund, investor, institution, or other counterparty.

Any client engagement, advisory relationship, mandate, introducer arrangement, or other professional relationship shall arise only where expressly established in a separate written agreement setting out the scope of services, responsibilities, authority, fees, limitations, and applicable terms.

Any communication, introduction, preliminary review, indicative assessment, exchange of information, or participation in discussions does not, by itself, create an agency, fiduciary, advisory, contractual, or representative relationship.

9. Governing Law and Jurisdiction

This Disclaimer, the use of this website, and any non-contractual obligation arising out of or in connection with them shall be governed by and construed in accordance with the laws of Greece.

Subject to any mandatory provision of applicable law, the courts of Athens, Greece shall have exclusive jurisdiction to resolve any dispute, claim, or controversy arising out of or in connection with this Disclaimer, the use of this website, or any related non-contractual obligation.

Where a separate written agreement exists between the Company and a client, introducer, service provider, or other third party, the governing law and jurisdiction provisions of that agreement shall prevail in relation to the relevant contractual relationship.

Nothing in this section shall restrict any right, remedy, jurisdiction, or protection that cannot lawfully be excluded or limited under applicable law.

10. Contact

For questions regarding this Disclaimer, the use of this website, or the nature and limitations of the Company’s services, please contact the Company through the contact details or enquiry form made available on this website.

Communications submitted through the website do not, by themselves, create a client relationship, advisory engagement, mandate, duty of care, agency relationship, or any obligation on the Company to review, accept, respond to, or proceed with any request, project, proposal, or transaction.

The Company may request additional information or documentation before determining whether a matter falls within the scope of its services or whether it is prepared to enter into a formal engagement.

No person should send confidential, commercially sensitive, legally privileged, or personal information unless requested by the Company or submitted through an approved process and in accordance with the Company’s Privacy Policy.

Note: GM Financial Group Limited is an independent corporate finance advisory firm and is not affiliated with any similarly named organisation.

Last Updated: 06 August 2026