Terms and Conditions

1. Acceptance of Terms

By accessing and using this website, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Use of Service

Our financial consultation services are subject to the following terms:

• • You must be at least 18 years of age to use our services
• • You agree to provide accurate and complete information
• • You are responsible for maintaining the confidentiality of your account
• • You agree not to use the service for any unlawful purpose

3. Service Description

We provide financial consultation services as described on our website. Services are provided on an individual basis and fees are determined based on the scope and complexity of your financial planning needs. All services are subject to availability and our acceptance of your request.

4. User Responsibilities

As a user of our services, you agree to:

• • Provide truthful and accurate information
• • Not misuse or abuse our services
• • Comply with all applicable laws and regulations
• • Not attempt to gain unauthorized access to our systems
• • Not transmit any harmful code or malware

5. Intellectual Property Rights

All content on this website, including text, graphics, logos, and software, is the property of Halorianquivos S.L. or its content suppliers and is protected by international copyright laws. You may not reproduce, distribute, or create derivative works without our express written permission.

6. Payment Terms

Payment for our financial consultation services is due as agreed upon in your service agreement. We reserve the right to refuse or cancel service for non-payment. All fees are non-refundable unless otherwise stated in writing.

7. Limitation of Liability

To the fullest extent permitted by law, Halorianquivos S.L. shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses.

8. Indemnification

You agree to indemnify and hold harmless Halorianquivos S.L., its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorney's fees) arising out of or in connection with your use of our services or violation of these terms.

9. Privacy and Data Protection

Your use of our services is also governed by our Privacy Policy. We are committed to protecting your personal information and complying with applicable data protection laws. Please review our Privacy Policy for more information.

10. Dispute Resolution

Any disputes arising out of or relating to these Terms and Conditions shall be resolved through the following methods:

• • Arbitration: Disputes shall be settled by binding arbitration in accordance with the rules of the applicable arbitration association
• • EU Residents: European Union residents may access the EU Online Dispute Resolution platform at https://ec.europa.eu/consumers/odr
• • Small Claims: Either party may bring claims in small claims court if eligible

11. Termination

We reserve the right to terminate or suspend your access to our services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms and Conditions.

12. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the jurisdiction in which Halorianquivos S.L. is established, without regard to its conflict of law provisions. Your local consumer protection laws may also apply.

13. Changes to Terms

We reserve the right to modify or replace these Terms and Conditions at any time. If a revision is material, we will provide at least 30 days notice prior to any new terms taking effect.

14. Severability

If any provision of these Terms and Conditions is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

15. Contact Information

For any questions regarding these Terms and Conditions, please contact us at: