Regent and Monarch Oy, Business ID 3017192-7, VAT number FI30171927, registered at Louhostie 5H, 02730 Espoo, Finland, publishes the digital guide Buying Your Retirement Home in Sicily — The Complete Guide (US Edition) and operates the website at regentandmonarch.com.
Contact: contact@regentandmonarch.com
Purchases are made through Gumroad, Inc., which acts as the merchant of record. Gumroad is the seller in the payment transaction, processes your payment, and is responsible for collecting and remitting any applicable sales tax or VAT. Gumroad's own terms apply to that transaction.
Regent and Monarch Oy is the publisher and licensor of the guide, provides customer support, and offers the refund guarantee described in our Refund and Withdrawal Policy.
Buying Your Retirement Home in Sicily — The Complete Guide (US Edition) is a digital publication delivered as a PDF file. It is not a physical product and nothing is shipped to you.
Your purchase grants you a personal, non-exclusive, non-transferable licence to read and use the guide for your own purposes. You may store it on your own devices and print a copy for your personal use.
You may not resell, sublicense, rent, or redistribute the guide; share your download link publicly; upload the file to file-sharing, cloud-sharing, or torrent services; or reproduce substantial parts of it for commercial purposes. All copyright and other intellectual property rights in the guide remain with Regent and Monarch Oy.
Prices are displayed on the product page in US dollars. Any tax applicable to your purchase is calculated and shown by Gumroad before you confirm payment.
Once payment is confirmed, Gumroad delivers your download to the email address you provide, normally within a few minutes. If your download does not arrive, check your spam folder and then contact us at contact@regentandmonarch.com and we will arrange delivery.
THE GUIDE IS PROVIDED FOR GENERAL INFORMATION ONLY. IT IS NOT LEGAL, TAX, FINANCIAL, ACCOUNTING, IMMIGRATION, OR INVESTMENT ADVICE. PURCHASING OR READING IT DOES NOT CREATE ANY ADVISORY, FIDUCIARY, OR PROFESSIONAL RELATIONSHIP BETWEEN YOU AND REGENT AND MONARCH OY.
The guide is a factual manual describing the Italian property purchase process. The information in it was verified against official sources as at the date stated in the guide. Italian tax rates, visa requirements, property law, and administrative practice change over time and vary by municipality, by region, and according to individual circumstances. Currency conversions are approximate and exchange rates move daily.
YOU MUST INDEPENDENTLY VERIFY ANYTHING YOU INTEND TO RELY ON WITH A QUALIFIED PROFESSIONAL — such as an Italian notary, surveyor, accountant, or lawyer, together with your own tax adviser — BEFORE MAKING ANY PURCHASE, TAX, OR IMMIGRATION DECISION. The guide is designed to help you ask better questions of those professionals, not to replace them.
THE GUIDE IS PROVIDED "AS IS" AND "AS AVAILABLE". TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, REGENT AND MONARCH OY DISCLAIMS ALL WARRANTIES OF EVERY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
WE DO NOT WARRANT THAT THE GUIDE IS ERROR-FREE, COMPLETE, OR CURRENT AT THE TIME YOU READ IT, OR THAT ANY PARTICULAR RESULT OR OUTCOME WILL FOLLOW FROM ITS USE.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, REGENT AND MONARCH OY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, SAVINGS, DATA, OR OPPORTUNITY, ARISING OUT OF OR CONNECTED WITH THE GUIDE OR ANY DECISION TAKEN IN RELIANCE ON IT, INCLUDING WITHOUT LIMITATION PROPERTY PURCHASES, RENOVATION COMMITMENTS, TAX ELECTIONS, VISA APPLICATIONS, OR ENGAGEMENTS WITH PROFESSIONAL ADVISERS, WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR TOTAL AGGREGATE LIABILITY TO YOU IN CONNECTION WITH THE GUIDE SHALL NOT EXCEED THE AMOUNT YOU PAID FOR IT.
Nothing in these terms excludes or limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot lawfully be excluded or limited.
Nothing in these terms affects the mandatory rights you have as a consumer under the laws of your country of residence, including the rights described in our Refund and Withdrawal Policy. Some jurisdictions do not permit the exclusion of implied warranties or the limitation of certain damages, so parts of sections 6 and 7 may not apply to you.
We may revise the guide from time to time. If we publish a materially updated edition within twelve months of your purchase, we will provide it to you at no additional cost at the email address used for your order.
We may amend these terms for future purchases. The terms that apply to you are those published at the time you completed your purchase.
These terms are governed by the laws of Finland. If you are a consumer, you also enjoy the protection of any mandatory consumer law provisions of the country in which you are habitually resident, and you may bring proceedings before the courts of that country.
If you are a consumer resident in the European Union and we cannot resolve a complaint between us, you may refer the matter to the Finnish Consumer Disputes Board (Kuluttajariitalautakunta), Hämeentie 3, 00530 Helsinki, www.kuluttajariita.fi. Before doing so, please contact Consumer Advisory Services (Kuluttajaneuvonta) at www.kkv.fi/kuluttajaneuvonta.