Legal Notice

1. Website operator and service provider

Website operator / service provider: Zs22 Tanácsadó Kft. (abbreviated name: Zs22 Kft.)
Registered office: 2132 Göd, Jósika utca 5, Hungary
Company registration number: 13-09-211307
Tax number: 29154603-1-13
Contact: contact@pappzsolt.eu

2. Purpose of the website

pappzsolt.eu is a professional profile and informational website. Its purpose is to present the professional activities of the operator and Papp Zsolt, to publish professional and educational content and articles, and to provide a means of making contact.

The content published on the website does not, in itself, constitute personalised financial, investment, insurance, credit or other financial services advice or an offer.

No professional service is provided, financial product selected, client identification or needs assessment carried out, personalised offer made, or contract concluded through the website. Any professional activity following an enquiry takes place in a process separate from the website, in accordance with the applicable laws and professional requirements.

3. Financial and investment information

Financial or investment-related content appearing on the website is not to be regarded as a public offer, an individual investment recommendation, or a personalised invitation to purchase, sell or hold any financial instrument, unless a specific document expressly and lawfully states otherwise.

Financial products and investments may involve risk; past performance alone does not guarantee future results. Before making a decision, consideration should be given to the official documentation, costs and risks of the relevant product, as well as the client’s objectives, financial situation and knowledge, and, where required by law, the client’s suitability or appropriateness.

4. Intermediary status

Financial intermediation activities are carried out within the framework of the applicable registers and the intermediary relationships in force for the relevant activity.

Capital markets intermediation: Zs22 Tanácsadó Kft. participates in capital markets intermediation as a further intermediary of Stratos Pénzügyi Közvetítő Kft., which acts on behalf of Concorde Értékpapír Zrt.

Insurance intermediation: Zs22 Tanácsadó Kft. participates in insurance intermediation within the framework of an intermediary relationship connected to Iridium Biztosítási Brókerház Kft. Papp Zsolt, as a natural person, is also registered in the insurance intermediary register in connection with Iridium Biztosítási Brókerház Kft.

Credit intermediation: Papp Zsolt, acting as a sole proprietor, carries out money-market intermediation subcontractor activities within the intermediary chain of Stratos Pénzügyi Közvetítő Kft.

Before any specific intermediation activity begins, the client receives the information appropriate to that activity regarding the intermediary status and the intermediary relationship. The website does not replace any client information or disclosures required by law or contract. The specific professional process and the related disclosures take place separately from the website.

5. Professional qualifications

The academic and professional qualifications presented on the website are based on the certificates and documents obtained. Papp Zsolt’s professional qualifications include the EFPA European Investment Practitioner (EIP®) qualification.

6. Fees and remuneration

In connection with the insurance intermediation, capital markets intermediation and financial services intermediation activities under the Hungarian Credit Institutions Act (Hpt.) presented on the website, no separate intermediation fee is currently charged to the client; the intermediary may receive remuneration and/or commission in respect of individual intermediated services within the framework of the relevant intermediary relationship.

The fee for business advisory services is determined in each case on the basis of an individual agreement. There is no general fee schedule for this service. The amount of the fee is determined in particular by the scope and complexity of the engagement or project, the nature of the work and the number of working hours required for its performance. The specific fee is agreed by the parties before the engagement begins.

7. Accuracy, currency and liability

The operator endeavours to ensure that the information provided on the website is accurate and up to date; however, laws, market conditions, product features and service-provider terms may change. Visitors should not base financial or business decisions solely on the general content of the website.

To the extent permitted by law, the operator accepts no liability for losses arising from the independent use of general informational content without an individual professional assessment. This provision does not limit any liability that cannot be excluded or limited by law.

8. External links

The website may contain links to third-party websites. The operator does not continuously monitor the content, data-processing practices or availability of such external websites; use of an external service is governed by that service’s own terms. The inclusion of a link does not, in itself, constitute endorsement or an assumption of responsibility by either the website operator or the referenced third party.

9. Copyright and use

The website’s own texts, structure, graphic elements, photographs and other individual, original content may be protected by copyright. Such content may be copied, adapted, republished or used for commercial purposes only within the framework of applicable law and, where required, with the prior permission of the relevant rights holder.

Trademarks, institution names, documents and other designations belonging to third parties remain the property of their respective rights holders; their display does not confer any ownership rights on the operator.

10. Use of artificial intelligence

AI-based tools may also be used in the preparation and editing of certain content on this website. Published content undergoes human review and editorial oversight; the website operator assumes editorial responsibility for its publication.

With regard to transparency concerning the use of artificial intelligence, the website operator takes into account the provisions of Regulation (EU) 2024/1689 of the European Parliament and of the Council (AI Act), in particular Article 50 thereof.

11. Website availability and modifications

The operator may modify the content, structure or availability of the website and may remove individual items of content. Continuous and error-free availability of the technical service cannot be guaranteed.

12. Governing law and contact

The operation of the website and this Legal Notice are governed by Hungarian law, in addition to any mandatory applicable rules of the European Union. For legal or content-related enquiries, please contact: contact@pappzsolt.eu.