Inversiones.com user agreement
This agreement was written in English (US). To the extent any translated version of this agreement conflicts with the English version, the English version controls.

You agree that by registering on Inversiones, or by using our website at www.inversiones.com, including any premium services, or other information provided as part of the Inversiones services (collectively “Inversiones”, “Website” , “Site” or the “Services”), you are entering into a legally binding agreement with Inversiones Holdings Inc., 20900 NE 30th Ave., Suite 200, Aventura, Florida, USA (“we,” “us,” “our,” and “Inversiones”) based on the terms of this Inversiones User Agreement and the Inversiones Privacy Policy, which is hereby incorporated by reference (collectively referred to as the “Agreement”) and become an Inversiones user (“Member” or “User”).

If you are using Inversiones on behalf of a company or other legal entity, you are nevertheless individually bound by this Agreement even if your company has a separate agreement with us. If you do not want to register an account and become a Inversiones User, do not conclude the Agreement, do NOT click “Register” and do not access, view, download or otherwise use any Inversiones webpage, information or services. By clicking “Register,” you acknowledge that you have read and understood the terms and conditions of this Agreement and that you agree to be bound by all of its provisions. By clicking “Join Now,” you also consent to use electronic signatures and acknowledge your click of the “Register” button as one. Please note that the Inversiones User Agreement and Privacy Policy also collectively referred to as Inversiones’ “Terms of Service.”
Privacy.
Your privacy is very important to us. We designed our Privacy Policy to make important disclosures about how you can use Inversiones to share with others and how we collect and can use your content and information. We encourage you to read our Privacy Policy, which is hereby Incorporated by reference, and to use it to help you make informed decisions. You acknowledge that your submission of any information, statements, data, and content to us is voluntary on your part.

License.
You own the information you provide Inversiones under this Agreement, and may request its deletion at any time, unless you have shared information or content with others and they have not deleted it, or it was copied or stored by other users. Additionally, you grant Inversiones a nonexclusive, irrevocable, worldwide, perpetual, unlimited, assignable, sublicenseable, fully paid up and royalty-free right to us to copy, prepare derivative works of, improve, distribute, publish, remove, retain, add, process, analyze, use and commercialize, in any way now known or in the future discovered, any information you provide, directly or indirectly to Inversiones, including, but not limited to, any user generated content, ideas, concepts, techniques or data to the services, you submit to Inversiones, without any further consent, notice and/or compensation to you or to any third parties. Any information you submit to us is at your own risk of loss as noted in this Agreement.

By providing information to us, you represent and warrant that you are entitled to submit the information and that the information is accurate, not confidential, and not in violation of any contractual restrictions or other third party rights. It is your responsibility to keep your Inversiones profile information accurate and updated.

Eligibility.
To be eligible to use the Service, you must meet the following criteria and represent and warrant that you: (1) are 18 years of age or older; (2) are not currently restricted from the Services, or not otherwise prohibited from having a Inversiones account, (3) are not a competitor of Inversiones or are not using the Services for reasons that are in competition with Inversiones; (4) will only maintain one Personal Inversiones account at any given time; (5) have full power and authority to enter into this Agreement and doing so will not violate any other agreement to which you are a party; (6) will not violate any rights of Inversiones, including intellectual property rights such as copyright or trademark rights; and (7) agree to provide at your cost all equipment, software, and internet access necessary to use the Services.

Commitments.
You own all of the content and information you post on Inversiones, and you control how it is shared through your Profile settings. We do our best to keep Inversiones safe, but we cannot guarantee it. Here are some commitments you make to us relating to registering and maintaining the security, safety and accuracy of your account:

1-You will not post unauthorized commercial communications (such as spam) on Inversiones.
2-You will not collect users' content or information, or otherwise access Inversiones, using automated means (such as harvesting bots, robots, spiders, or scrapers) without our prior permission.
3-You will not engage in unlawful multi-level marketing, such as a pyramid scheme, on Inversiones.
4-You will not upload viruses or other malicious code.
5-You will not solicit login information or access an account belonging to someone else.
6-You will not bully, intimidate, or harass any user.
7-You will not post content that: is hate speech, threatening, or pornographic; incites violence; or contains nudity or graphic or gratuitous violence.
8-You will not use Inversiones to do anything unlawful, misleading, malicious, or discriminatory.
9-You will not do anything that could disable, overburden, or impair the proper working or appearance of Inversiones, such as a denial of service attack or interference with page rendering or other Inversiones functionality.
10-You will not facilitate or encourage any violations of this Statement or our policies.
11-You will not provide any false personal information on Inversiones, or create an account for anyone other than yourself without permission.
12-You will not create more than one personal account.
13-If we disable your account, you will not create another one without our permission.
14-You will not use your personal Profile for your own commercial gain (such as selling your Suggestions to an advertiser).
15-You will not use Inversiones if you are under 18.
16-You will keep your contact information accurate and up-to-date.
17-You will not share your password (or in the case of developers, your secret key), let anyone else access your account, or do anything else that might jeopardize the security of your account.
18-You will not transfer your account (including any Page or application you administer) to anyone without first getting our written permission.
19-If you select a custom URL, username or similar identifier for your account or page, we reserve the right to remove or reclaim it if we believe, in our sole discretion, it is necessary or appropriate (such as when a government reclaims property for reasons of eminent domain, or a trademark owner complains about a username that does not closely relate to a user's actual name).
20-You will not post content or take any action on Inversiones that infringes or violates someone else's rights or otherwise violates the law.
21-We can remove any content or information you post on Inversiones if we believe that it violates this Statement or our policies.
22-If we remove your content for infringing someone else's copyright, and you believe we removed it by mistake, we will provide you with an opportunity to appeal.
23-If you repeatedly infringe other people's intellectual property rights, we will disable your account when appropriate.
24-You will not use our copyrights or trademarks, or any confusingly similar marks, except with our prior written permission.
25-If you collect information from users, you will: obtain their consent, make it clear you (and not Inversiones) are the one collecting their information, and post a privacy policy explaining what information you collect and how you will use it.
26-You will not post anyone's identification documents or sensitive financial information on Inversiones.
27-You understand that removed content may persist in backup copies for a reasonable period of time (but will not be available to others unless you have shared information or content with others and they have not deleted it, or it was copied or stored by other users).
28-When you publish content or information using the Public setting, it means that you are allowing everyone, including people off of Inversiones, to access and use that information, and to associate it with you (i.e., your name and profile picture).
29-We always appreciate your feedback or other suggestions about Inversiones, but you understand that we may use them without any obligation to compensate you for them (just as you have no obligation to offer them).
30-You will not obviate users privacy settings and will not attempt to identify users personal information without their prior permission.

Special circumstances.
If you believe that you are entitled or obligated to act contrary to this Agreement under any mandatory law, you agree to provide us with detailed and substantiated explanation of your reasons in writing at least 30 days before you act contrary to this Agreement, to allow us to assess whether we may, at our sole discretion, provide an alternative remedy for the situation, though we are under no obligation to do so.

Notifications and Service Messages.
or purposes of service messages and notices about the Services to you, Inversiones may place a banner notice across its pages to alert you to certain changes such as modifications to this Agreement. Alternatively, notice may consist of an email from Inversiones to an email address associated with your account, even if we have other contact information. You also agree that Inversiones may communicate with you through your Inversiones account or through other means including email, mobile number, telephone, or delivery services including the postal service about your Inversiones account or services associated with Inversiones. You acknowledge and agree that we shall have no liability associated with or arising from your failure to do so maintain accurate contact or other information, including, but not limited to, your failure to receive critical information about the Service.

Payments.
All fees and charges paid to Inversiones are nonrefundable and there are no refunds or credits for partially used periods. You understand and agree that all payments are recurring and charged automatically until you change your account settings or cancel your account. All features acquired expire immediately upon cancellation or termination of your account.

Payments to, and between members
All payments made to, and between members are the sole responsability of those members, and Inversiones does not represent the validity, viability, accuracy or truthfulness of any of the information presented or represented by members on their profiles or pages. You understand and agree that Inversiones is not responsible for the performance of any promises, representations or warranties made between members. It is your responsibility to not make any payments to members or entities that you have not fully researched and analyzed. You further understand and agree that Inversiones is not responsible for disputes arrising between members and will not reimburse or refund any payments made between members for any reason whatsoever.

Services, Availability, Rights and Obligations.
On the condition that you comply with all your obligations under this Agreement, including, but not limited to, the Commitments listed above, we grant you a limited, revocable, nonexclusive, nonassignable, nonsublicenseable license and right to access the Services, through a generally available web browser, mobile device or application (but not through scraping, spidering, crawling or other technology or software used to access data without the express written consent of Inversiones or its Users), view information and use the Services that we provide on Inversiones webpages and in accordance with this Agreement. We reserve all rights not expressly granted in this Agreement, including, without limitation, title, ownership, intellectual property rights, and all other rights and interest in Inversiones and all related items, including any and all copies made of the Inversiones website.

We may modify, replace, refuse access to, suspend or discontinue Inversiones, partially or entirely, or change and modify prices for all or part of the Services for you or for all our users in our sole discretion. All of these changes shall be effective upon their posting on our site or by direct communication to you unless otherwise noted. Inversiones further reserves the right to withhold, access, read, remove and or discard any content available as part of your account, with or without notice if deemed by Inversiones to be contrary to this Agreement. For avoidance of doubt, Inversiones has no obligation to store, maintain or provide you a copy of any content that you or other Users provide when using the Services.

You are solely responsible for your interactions with other Users. Inversiones may limit the number of connections you may have to other Users and may, in certain circumstances, prohibit you from contacting other Users through use of the Services or otherwise limit your use of the Services. Inversiones reserves the right, but has no obligation, to monitor disputes between you and other members and to restrict, suspend, or close your account if Inversiones determines, in our sole discretion, that doing so is necessary to enforce this Agreement.

Software.
You will not modify, create derivative works of, decompile or otherwise attempt to extract source code from us, unless you are expressly permitted to do so under an open source license or we give you express written permission.

Disputes, Indemnity, Disclaimer and Limitied Liability.
You will resolve any claim, cause of action or dispute (claim) you have with us arising out of or relating to this Statement or Inversiones exclusively in a state or federal court located in Miami-Dade County. The laws of the State of Florida will govern this Statement, as well as any claim that might arise between you and us, without regard to conflict of law provisions. You agree to submit to the personal jurisdiction of the courts located in Miami-Dade County, Florida for the purpose of litigating all such claims.

You indemnify us and hold us harmless for all damages, losses and costs (including, but not limited to, reasonable attorneys’ fees and costs) related to all third party claims, charges, and investigations, caused by (1) your failure to comply with this Agreement, including, without limitation, your submission of content that violates third party rights or applicable laws, (2) any content you submit to the Services, and (3) any activity in which you engage on or through Inversiones.

Each individual is solely responsible for her or his own acts, including the content, context or information he or she submits. This means that each individual, and not Inversiones, is entirely responsible for anything and everything she or he posts on the Site. Inversiones does not, and does not intend to, pre-screen any comments posted on its Site, and Inversiones does not guarantee the accuracy, integrity or quality of anything that may appear on its Site.

SOME COUNTRIES AND JURISDICTIONS DO NOT ALLOW THE DISCLAIMER OF IMPLIED TERMS IN CONTRACTS WITH CONSUMERS AND AS A RESULT THE CONTENTS OF THIS SECTION MAY NOT APPLY TO YOU.

DO NOT RELY ON INVERSIONES, ANY INFORMATION THEREIN, OR ITS CONTINUATION. WE PROVIDE THE PLATFORM FOR INVERSIONES AND ALL INFORMATION AND SERVICES ON AN “AS IS” AND “AS AVAILABLE” BASIS. INVERSIONES DOES NOT CONTROL OR VET USER GENERATED CONTENT FOR ACCURACY. WE DO NOT PROVIDE ANY EXPRESS WARRANTIES OR REPRESENTATIONS.

TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, WE DISCLAIM ANY AND ALL IMPLIED WARRANTIES AND REPRESENTATIONS, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY OF DATA, AND NONINFRINGEMENT. IF YOU ARE DISSATISFIED OR HARMED BY INVERSIONES OR ANYTHING RELATED TO INVERSIONES, YOU MAY CLOSE YOUR INVERSIONES ACCOUNT AND TERMINATE THIS AGREEMENT IN ACCORDANCE WITH THE TERMS HEREIN AND SUCH TERMINATION SHALL BE YOUR SOLE AND EXCLUSIVE REMEDY.

INVERSIONES IS NOT RESPONSIBLE, AND MAKES NO REPRESENTATIONS OR WARRANTIES FOR THE DELIVERY OF ANY MESSAGES SENT THROUGH INVERSIONES TO ANYONE. IN ADDITION, WE NEITHER WARRANT NOR REPRESENT THAT YOUR USE OF THE SERVICE WILL NOT INFRINGE THE RIGHTS OF THIRD PARTIES. ANY MATERIAL, SERVICE, OR TECHNOLOGY DESCRIBED OR USED ON THE WEBSITE MAY BE SUBJECT TO INTELLECTUAL PROPERTY RIGHTS OWNED BY THIRD PARTIES WHO HAVE LICENSED SUCH MATERIAL, SERVICE, OR TECHNOLOGY TO US.

INVERSIONES DOES NOT HAVE ANY OBLIGATION TO VERIFY THE IDENTITY OF THE PERSONS SUBSCRIBING TO ITS SERVICES, NOR DOES IT HAVE ANY OBLIGATION TO MONITOR THE USE OF ITS SERVICES BY OTHER USERS OF THE COMMUNITY; THEREFORE, INVERSIONES DISCLAIMS ALL LIABILITY FOR IDENTITY THEFT OR ANY OTHER MISUSE OF YOUR IDENTITY OR INFORMATION.

INVERSIONES DOES NOT GUARANTEE THAT THE SERVICES IT PROVIDES WILL FUNCTION WITHOUT INTERRUPTION OR ERRORS IN FUNCTIONING. IN PARTICULAR, THE OPERATION OF THE SERVICES MAY BE INTERRUPTED DUE TO MAINTENANCE, UPDATES, OR SYSTEM OR NETWORK FAILURES. INVERSIONES DISCLAIMS ALL LIABILITY FOR DAMAGES CAUSED BY ANY SUCH INTERRUPTION OR ERRORS IN FUNCTIONING. FURTHERMORE, INVERSIONES DISCLAIMS ALL LIABILITY FOR ANY MALFUNCTIONING, IMPOSSIBILITY OF ACCESS, OR POOR USE CONDITIONS OF THE INVERSIONES SITE DUE TO INAPPROPRIATE EQUIPMENT, DISTURBANCES RELATED TO INTERNET SERVICE PROVIDERS, TO THE SATURATION OF THE INTERNET NETWORK, AND FOR ANY OTHER REASON.

OUR AGGREGATE LIABILITY ARISING OUT OF THIS STATEMENT OR INVERSIONES WILL NOT EXCEED THE GREATER OF ONE HUNDRED DOLLARS ($100) OR THE AMOUNT YOU HAVE PAID US IN THE PAST TWELVE MONTHS. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN SUCH CASES, INVERSIONES'S LIABILITY WILL BE LIMITED TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW.

This limitation of liability is part of the basis of the bargain between the parties and without it the terms and prices charged would be different. This limitation of liability shall:

1-Apply regardless of whether (1) you base your claim on contract, tort, statute or any other legal theory, (2) we knew or should have known about the possibility of such damages, or (3) the limited remedies provided in this section fail of their essential purpose; and

2-Not apply to any damage that Inversiones may cause you intentionally or knowingly in violation of this Agreement or applicable law, or as otherwise mandated by applicable law that cannot be disclaimed from in this Agreement.

3-Not apply if you have entered into a separate agreement to purchase Premium Services with a separate Limitation of Liability provision that supersedes this section in relation to those Premium Services.

Mutual termination rights.
You may terminate this Agreement, for any or no reason, at any time, with notice to Inversiones pursuant to Section 9.C. This notice will be effective upon Inversiones processing your notice. Inversiones may terminate the Agreement and your account for any reason or no reason, at any time, with or without notice. This cancellation shall be effective immediately or as may be specified in the notice. For avoidance of doubt, only Inversiones or the party paying for the services may terminate your access to any Premium Services. Termination of your Inversiones account includes disabling your access to Inversiones and may also bar you from any future use of Inversiones.

Misuse.
Inversiones may restrict, suspend or terminate the account of any User who abuses or misuses the Services. Misuse of the Services includes inviting other Users with whom you do not know to connect; abusing the Inversiones messaging services; creating multiple or false profiles; using the Services commercially without Inversiones’s authorization, infringing any intellectual property rights, violating any of the commitments listed above, or any other behavior that Inversiones, in its sole discretion, deems contrary to its purpose. In addition, and without limiting the foregoing, Inversiones has adopted a policy of terminating accounts of Users who, in Inversiones’s sole discretion, are deemed to be repeat infringers under the United States Copyright Act.

No Investment Recommendations or Professional Advice.
The Site is not intended to provide tax, legal, insurance or investment advice, and nothing on the Site should be construed as an offer to sell, a solicitation of an offer to buy, an endorsement of, or a recommendation for any investment or security by Inversiones. You alone are solely responsible for determining whether any investment, security or strategy, or any other product or service, is appropriate or suitable for you based on your investment objectives and personal and financial situation. You should consult an attorney or tax professional regarding your specific legal or tax situation.

Important Securities Disclaimer.
You understand that no content published on the Site constitutes a recommendation that any particular security, portfolio of securities, transaction, investment strategy or opportunity is suitable for any specific person. To the extent that any of the content published on the Site may be deemed to be investment advice or recommendations in connection with a particular security, such information is impersonal and not tailored to the investment needs of any specific person. You understand that an investment in any security is subject to a number of risks, and that discussions of any security, portfolio of securities, transaction, investment strategy or opportunity published on the Site may not contain a list or description of relevant risk factors.

Special Provisions Applicable to Users Outside the United States.
While we strive to create consistent standards for everyone, we also strive to respect local laws. The following provisions apply to users and non-users who interact with Inversiones outside the United States:

You consent to having your personal data transferred to and processed in the United States.

If you are located in a country embargoed by the United States, or are on the U.S. Treasury Department's list of Specially Designated Nationals you will not engage in commercial activities on Inversiones.

The Site is directed solely to individuals residing in jurisdictions in which the Site's content is legal. We make no representation that any materials or content provided on the Site are appropriate or available for use in other locations. Those who choose to access the Site from other locations do so on their own initiative and at their own risk, and are responsible for compliance with local laws, if and to the extent applicable. We reserve the right to limit the availability of the Site to any person, geographic area, or jurisdiction we so desire, at any time and in our sole discretion, and to limit the quantities of any such service or product that we provide. You further agree, not to incite others to violate local laws and regulations. not to offer to sell, offer to buy, solicit an offer to buy or sell, any materials, content, securities, or investments that do not comply with local laws.

Notices and Service of Process.
In addition to any section covering notices, we may notify you via postings on www.Inversiones.com.

You may contact us here, by emailing us at info@inversiones.com, by telephone to 1-305-749-0900, or via mail or courier to:

Inversiones Holdings, Inc.
20900 NE 30th Ave, 2nd Floor
Aventura, Florida 33180
USA
No Injunctive Relief.
In no event shall you seek or be entitled to rescission, injunctive or other equitable relief, or to enjoin or restrain the operation of the Service, exploitation of any advertising or other materials issued in connection therewith, or exploitation of the Services or any content or other material used or displayed through the Services.

Other.
1-If you are a resident of or have your principal place of business in the US or Canada, this Statement is an agreement between you and Inversiones Holdings, Inc. References to “Inversiones,” “Inversiones.com,” “site,” “website,” “us,” “we,” and “our” mean Inversiones Holdings, Inc., as appropriate.
2-This Statement makes up the entire agreement between the parties regarding Inversiones, and supersedes any prior agreements.
3-If any portion of this Statement is found to be unenforceable, the remaining portion will remain in full force and effect.
4-If we fail to enforce any of this Statement, it will not be considered a waiver.
5-Any amendment to or waiver of this Statement must be made in writing and signed by us.
6-You will not transfer any of your rights or obligations under this Statement to anyone else without our consent.
7-All of our rights and obligations under this Statement are freely assignable by us in connection with a merger, acquisition, or sale of assets, or by operation of law or otherwise.
8-Nothing in this Statement shall prevent us from complying with the law.
9-This Statement does not confer any third party beneficiary rights.
10-We reserve all rights not expressly granted to you.
11-You will comply with all applicable laws when using or accessing Inversiones.