Useful Context. Clear Boundaries.

About This Website

This website is operated by Rayofla Kft., an independent advisory and media company based in Budapest, Hungary. Questions about the site may be sent to contact@rayofla.com.

Information, Not Professional Advice

The site describes Rayofla Kft., Ray Brown, selected ventures, experience, and possible ways of working together. It is provided for general information and conversation.

Nothing on this site is legal, tax, accounting, immigration, financial, securities, or investment advice. Do not make a material decision based only on website content.

Where regulated or specialist advice is needed, the appropriate qualified professional must provide it and remains responsible for that advice.

No Offer Or Solicitation

References to markets, businesses, properties, media projects, ventures, or investment possibilities are not an offer to sell, a solicitation to buy, or a promise that an opportunity is available or suitable. Any actual proposal, investment discussion, or engagement requires separate review and appropriate written documents.

No Advisory Or Confidential Relationship

Visiting the site, sending a form, emailing, or messaging Rayofla Kft. does not create an advisory, fiduciary, agency, partnership, employment, or client relationship. A professional engagement begins only when the parties agree its scope and terms in writing.

Initial messages are not automatically confidential. Do not send trade secrets, passwords, non-public financial information, or confidential transaction documents until confidentiality and a secure method of exchange have been agreed.

Accuracy And Availability

I aim to keep the site useful and accurate, but information may become incomplete, outdated, or unavailable. Markets, laws, prices, projects, and third-party services can change. No guarantee is made that the site will always be available, error-free, or suitable for a particular purpose.

Independent Specialists

Rayofla Kft. may help identify or coordinate accountants, lawyers, immigration advisers, financial professionals, technical specialists, or other independent providers when appropriate. Unless a written agreement expressly states otherwise, those specialists act independently and are responsible for their own services, advice, fees, and professional duties.

Intellectual Property

Unless otherwise stated, the site design, original writing, brand assets, photographs, videos, project materials, and other original content belong to Rayofla Kft., Ray Brown, or their respective licensors. You may view and share links to public pages for ordinary personal or business reference. You may not copy, republish, sell, scrape, train a commercial system on, or create derivative commercial materials from site content without written permission.

Third-Party Links And Platforms

The site may link to third-party websites, social networks, messaging platforms, videos, maps, publications, or services. Those services operate under their own terms and privacy practices. A link does not mean Rayofla Kft. controls or guarantees the third party.

Limitation Of Liability

To the fullest extent permitted by applicable law, Rayofla Kft. is not liable for loss arising from reliance on general website information, interruption of the site, third-party content, or use of an external link. Nothing in these terms excludes liability that cannot lawfully be excluded or limits mandatory consumer rights that apply.

Privacy

Personal information is handled as described in the Privacy Notice.

Governing Law

These website terms are governed by Hungarian law, without limiting any mandatory rights that apply under other law. Any dispute relating solely to use of this website will be handled by the competent Hungarian courts, unless mandatory law requires another forum.

Changes To These Terms

These terms may be updated as the website or business changes. The effective date at the top of this page will show the latest version.