BY APPLICATION A SMALL NUMBER OF PRIVATE CLIENTS, SO YOU ALWAYS REACH A FOUNDER
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Summit Group Digital Pty Ltd · ABN 15 691 798 277 · Trading as: Summit | Summit Markets

Terms of Service

Effective
27 June 2026
Jurisdiction
New South Wales, Australia
Contact
summitgroupdigitalptyltd@gmail.com

About Us

Summit Group Digital Pty Ltd (ABN 15 691 798 277) is an Australian company registered in New South Wales. We operate under the brand names Summit and Summit Markets, including via summitmarkets.net. References to "we", "us", "our" or "Summit" throughout these Terms refer to Summit Group Digital Pty Ltd trading as Summit and Summit Markets.

Acceptance of Terms

By accessing or using this website, applying for access, purchasing a Summit Members membership, or using any research, education, content, dashboard, live session or other service we provide (together, the "Services"), you agree to be bound by these Terms of Service. If you do not agree, you must not use the Services. These Terms apply together with our Privacy Policy and Return and Refund Policy.

Nature of Our Service

Summit is a private crypto research desk. All research, market reads, written breakdowns, live sessions, dashboard data and other content we provide are strictly for general educational and informational purposes only. Nothing we provide is financial, investment or trading advice, or a recommendation or solicitation to buy, sell or hold any asset, whether or not that asset is a financial product under Australian law.

You acknowledge and agree that:

  • We do not hold an Australian Financial Services Licence and we are not licensed financial advisers, brokers or investment managers.
  • Nothing we provide takes into account your personal objectives, financial situation or needs.
  • You should not expect anything we provide to have considered, or to reflect any consideration of, your personal objectives, financial situation or needs, even where we are aware of information about you, and you agree not to treat any of it as personal advice.
  • Past observations and past performance are not indicative of future results.
  • Trading and investing carry a high level of risk, including the possible loss of all of your capital.
  • You will do your own research and due diligence before acting, and you are solely responsible for your financial decisions and any action you take.

Our full position is set out in our Disclaimer.

Summit Members

Summit Members is a capped, application based membership. It provides a weekly macro and on-chain market read in plain English, a monthly educational portfolio workshop in which we walk through general risk-management concepts (such as concentration, correlation, position sizing and common blind spots) and illustrate how we think about them, using your holdings only as a teaching example so the concepts are concrete, a fortnightly live call and Q&A, access to your dashboard, a direct line to the founders, and member research and educational materials (together, the "Membership Services"). The number of active memberships is limited at our discretion and may change between intake rounds.

Admission and Suitability

Admission is by application, which may include an application form and an introductory call. You acknowledge and agree that:

  • Information collected during the application, including your experience, goals and an approximate range of the capital you hold, is collected solely to assess your eligibility for a capped educational membership and to confirm the membership is general education you can use, not personal financial advice you might mistake it for. It is not used to formulate recommendations, and it is not used to tailor, personalise, scope or select the research, reads, sessions or workshops you receive. The membership is the same general educational service for every member, and where a session refers to your holdings it does so only as a teaching example, not as an assessment of them.
  • Anything said by Summit or its representatives during any introductory, strategy or sales call is general, promotional and educational only. It does not constitute financial advice and does not take into account your personal objectives, financial situation or needs.
  • No representative is authorised to give financial advice, to promise, guarantee or predict any trading outcome or financial return, or to recommend anything regarding your personal portfolio. Any statement to the contrary is unauthorised and must not be relied upon.
  • By purchasing a membership, you acknowledge that any call or communication before your purchase was general, promotional and educational only, did not constitute financial advice, and that you did not rely on any statement about prospective trading outcomes or financial returns in deciding to purchase.
  • No outcome, trading result or financial return is promised, guaranteed or implied at any stage.
  • We may accept or decline any application acting reasonably and in good faith, for example on capacity, suitability for an educational membership, or fit with the group. We are not obliged to give detailed reasons, and we will not decline an application on any ground prohibited by law.

Membership Services and Sessions

You acknowledge and agree that:

  • All Membership Services, including the weekly read, the monthly portfolio workshop, live calls and research materials, are educational. They are designed to help you understand how we read the market and build your own decision making process.
  • In any session or channel, we will not tell you what to buy, sell or hold, will not set your allocations or position sizes, will not manage, rebalance or direct your portfolio, and will not execute trades or handle funds on your behalf. Every decision is yours, made at your own risk.
  • The monthly portfolio workshop is structured education only. We use your holdings purely as a worked example to make general risk-management concepts concrete. We do not assess, endorse or pass judgement on whether your portfolio or any individual holding is suitable, appropriate or advisable for you, we do not consider your objectives, financial situation or needs, and nothing said in the workshop is a recommendation, opinion or instruction to take or avoid any position. Any conclusion you draw is your own. If you want advice on what is right for your specific circumstances, you should consult a licensed financial adviser.
  • The direct line to the founders is for educational questions, general market discussion and membership support only. You agree not to ask for, and not to rely on, personal financial advice through this or any other channel. If you ask what you personally should buy, sell or hold, or whether a position is right for your situation, we will decline to answer that as a personal recommendation and will instead respond with general educational information only or refer you to a licensed financial adviser.
  • Live group sessions are scheduled at times notified to members and may be rescheduled with reasonable notice. Where a session is missed, a recording may be made available, though we do not guarantee it.
  • Member content, including research materials, session recordings and anything shared in members only channels, is confidential to members and must not be shared, published or redistributed outside the membership.

Billing and Payment

  • Payments are processed securely through Stripe. By purchasing, you also agree to Stripe's terms.
  • Summit Members is billed at USD $2,999 per quarter, paid quarterly in advance, and renews automatically for a further quarter at the end of each paid quarter unless you cancel before the renewal date. We will send you a reminder by email at least 7 days before each quarterly renewal, stating the renewal date and the amount that will be charged and explaining how to cancel. You can cancel at any time before the renewal date, with no penalty and no fee for cancelling, through your Stripe billing portal or by emailing us, and you keep full access until the end of the quarter you have already paid for.
  • All prices are in US dollars. You are responsible for any taxes, currency conversion costs or bank or card fees that apply to you.
  • We may change the price of the membership. For active members, a price change takes effect from the next quarterly renewal following at least 14 days written notice by email or a prominent notice on our platforms, and you may cancel before the new price takes effect.
  • Nothing in this section affects any rights you may have under the Australian Consumer Law.

Cancellation

You may cancel at any time through your Stripe billing portal or by emailing us at summitgroupdigitalptyltd@gmail.com before your next quarterly renewal date. As set out above, we will send you a reminder at least 7 days before each renewal. Cancellation takes effect at the end of the quarter you have paid for, and you retain full access until then. No pro rata refunds are provided for cancelling part way through a quarter.

Refunds

Refunds are governed by our Return and Refund Policy, which forms part of these Terms. We do not offer discretionary refunds for change of mind, failure to use the Services, or your own trading or investing decisions and their outcomes. Nothing in these Terms excludes, restricts or modifies any rights you may have under the Australian Consumer Law, including the consumer guarantees.

Applying for Access and Eligibility

You must be at least 18 years of age, or older where your jurisdiction requires, to apply and use the Services. The Services are operated from Australia. We make no representation that the Services are appropriate, available or lawful outside Australia. If you access them from elsewhere, you do so on your own initiative and are responsible for complying with your local laws, including any laws on cryptocurrencies and digital assets. You are responsible for keeping your account credentials secure and for all activity under your account, and you must notify us promptly at summitgroupdigitalptyltd@gmail.com of any unauthorised use.

Your Responsibilities and Fair Use

You agree to use the Services lawfully and for your own personal, non commercial purposes, and not to:

  • Treat other members and our team with respect, and not harass, abuse, threaten or post unlawful or hateful content.
  • Spam, solicit or advertise without our prior written consent.
  • Share, leak or redistribute paid content, research materials, session recordings or tools outside the Services.
  • Provide, or hold yourself out as providing, financial advice to other members in any Summit channel or session.
  • Disrupt or interfere with the Services or other members' access.

Where you breach these Terms we may suspend or terminate your access. For a serious or repeated breach, or where required to protect other members, our team or our systems, we may do so immediately; for other breaches we will give you reasonable notice and an opportunity to fix the breach before terminating. If we terminate your membership for breach, we will not refund the remainder of the quarter you have paid for. If we terminate your membership for any reason other than your breach, we will refund the unused portion of the current quarter on a pro rata basis. Nothing in this section excludes, restricts or modifies any rights you may have under the Australian Consumer Law.

Suspension and Termination by Us

We may suspend or terminate your access to the Services, in whole or in part, if you materially breach these Terms, if your conduct creates legal, security or reputational risk to us or to other members, if payment fails or is reversed, or if we are required to do so by law. For a serious or repeated breach we may act immediately; otherwise we will give you notice and a reasonable opportunity to fix the problem before terminating. We may also terminate your membership for any reason on reasonable written notice, in which case we will refund the unused portion of the quarter you have paid for on a pro rata basis, except where termination is the result of your breach. On termination your right to access the Membership Services ends, any licence granted to you ends, and you must stop using and must not retain or redistribute any member content. Sections of these Terms that by their nature should survive, including Nature of Our Service, Intellectual Property and Member Content, Disclaimers and Limitation of Liability, Indemnification, Complaints and Dispute Resolution, and Governing Law, survive termination. Nothing in this section limits any rights you may have under the Australian Consumer Law.

Intellectual Property and Member Content

All content, research, writing, data presentation, software, branding, design, session recordings and materials provided through the Services are owned by or licensed to Summit Group Digital Pty Ltd and are protected by applicable intellectual property laws. You are granted a limited, non exclusive, non transferable, revocable licence to access and use them solely for your personal, non commercial use in accordance with these Terms. You acquire no ownership rights, and you must not reproduce, modify, distribute, sublicense, sell or create derivative works from any of our materials without our prior written consent.

Non-Circumvention

The value of Summit Members includes direct access to our founders and to a curated group of members. During your membership, you agree not to use that access to solicit or attempt to engage our founders or team for substantially similar research or education services outside the Services in order to avoid paying membership fees, and not to solicit, recruit or market competing products or services to other members whom you met through the Services. This section does not restrict ordinary professional or personal relationships unconnected to your membership, and nothing in it limits any rights you may have under the Australian Consumer Law.

Third Party Tools and Data

Our site and dashboard use third party tools and display market data sourced from independent third party providers, and we rely on third party platforms including our payment provider and our scheduling, analytics and infrastructure providers. We do not guarantee the accuracy, completeness or timeliness of third party data, and we are not responsible for the content, availability or actions of third party services. Their own terms apply to your use of them, and a disruption to a third party service that affects your access does not entitle you to a refund except as set out in our Return and Refund Policy.

Disclaimers and Limitation of Liability

The Services are provided on an as is and as available basis, without warranty of any kind, express or implied, to the maximum extent permitted by law.

To the maximum extent permitted by law, Summit Group Digital Pty Ltd and its directors, employees and affiliates will not be liable for any direct, indirect, incidental, consequential or special loss arising from your use of the Services or reliance on our research, including any financial loss from acting on any content, data, session or tool we provide.

Our total aggregate liability to you for all claims arising in connection with the Services, whether in contract, tort (including negligence) or otherwise, will not exceed the total fees you paid us in the 12 months before the event giving rise to the claim. Where our liability cannot lawfully be excluded but can be limited, including under the consumer guarantees in the Australian Consumer Law, our liability is limited at our option to resupplying the relevant service or paying the cost of having it resupplied. Some rights and remedies under the Australian Consumer Law cannot be excluded, restricted or modified, and nothing in these Terms does so.

Indemnification

To the maximum extent permitted by law, you agree to indemnify Summit Group Digital Pty Ltd and its directors, employees and affiliates against any claims, liabilities, damages, losses, costs and expenses (including reasonable legal fees) brought by a third party to the extent they arise out of your breach of these Terms, your misuse of the Services, your violation of any law, or content you post or share through the Services. This indemnity does not apply to the extent any claim, loss or expense is caused by our own negligence, fraud, wilful misconduct or breach of these Terms, and it does not cover your own financial or trading decisions or their outcomes, which are dealt with under the Disclaimer and the limitation of liability above rather than by way of indemnity. This obligation survives termination of these Terms. Nothing in this section excludes, restricts or modifies any rights you may have under the Australian Consumer Law.

Changes to These Terms and Services

We may update these Terms from time to time. The updated Terms will be posted here with a revised effective date. For new users, updated Terms take effect on posting. For active members, material changes will be communicated by email or a prominent notice and take effect 14 days after notification, unless a shorter period is required by law or to address an urgent security or legal matter. Your continued use after the effective date constitutes acceptance.

We may modify, suspend or discontinue features or aspects of the Services, including the format, frequency and presenters of sessions, and will give members reasonable notice where practicable. If a change materially reduces the core Membership Services during a quarter you have paid for, you may cancel and we will refund the unused portion of that quarter on a pro rata basis, or provide an equivalent credit, at your election, as set out in our Return and Refund Policy. Routine changes that do not materially reduce the core Membership Services, and changes we must make to comply with the law or to protect security, do not give rise to a refund. Nothing in this section excludes, restricts or modifies any rights you may have under the Australian Consumer Law.

Notices

We may give you notice under these Terms by email to the address associated with your account or application, or by a prominent notice on our website or platforms, and any such notice is treated as received on the day it is sent or posted. It is your responsibility to keep your contact details current. You may give us notice by email to summitgroupdigitalptyltd@gmail.com, and notice to us is treated as received when we acknowledge it or on the next business day after it is sent, whichever is earlier.

Complaints and Dispute Resolution

If you have a complaint or a dispute about the Services, your membership or your billing, please first contact us at summitgroupdigitalptyltd@gmail.com with a clear description of the issue and what you would like us to do. We will acknowledge your complaint within 5 business days and work with you in good faith to resolve it promptly. You agree to raise any dispute with us in this way and to allow a reasonable period to resolve it before commencing court proceedings, except where you need urgent relief or a time limit would otherwise be missed. If your complaint concerns how we handle your personal information, our Privacy Policy sets out how to raise it and your right to contact the Office of the Australian Information Commissioner. Nothing in this section limits any rights you may have under the Australian Consumer Law.

General Provisions

If any provision of these Terms is found to be invalid, illegal or unenforceable, it will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions continue in full force and effect. Summit will not be liable for any failure or delay in providing the Services caused by circumstances beyond our reasonable control, including infrastructure outages, third party provider failures, cyberattacks, regulatory changes or acts of government, and we will make reasonable efforts to restore the Services as soon as practicable. If we do not enforce a provision, that is not a waiver of our right to enforce it later. You may not assign, transfer or sub-license your membership or any of your rights under these Terms without our prior written consent, and any attempt to do so is void. We may assign or novate these Terms, in whole or in part, to a related body corporate or in connection with a sale, merger or restructure of our business, and we will let you know if we do so. Nothing in these Terms or in the Services creates any partnership, joint venture, employment, agency, fiduciary, broker, adviser or client advisory relationship between you and us; we act solely as a provider of research and education, and we do not act as your agent, trustee or fiduciary in any respect. These Terms, together with our Privacy Policy and Return and Refund Policy, are the entire agreement between you and Summit with respect to the Services and supersede all prior discussions, representations or agreements, whether written or verbal.

Governing Law

These Terms are governed by and construed in accordance with the laws of New South Wales, Australia, and you submit to the courts of that jurisdiction.

Contact

For any questions about these Terms, contact us at summitgroupdigitalptyltd@gmail.com.