1. Introduction

Welcome to UNIQFINANCIAL S.A. ("we," "us," "our"). These Terms and Conditions ("Terms") govern your use of our website https://www.uniqfinanciera.com, our investment services, and any related products and services (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use our Services.

2. Eligibility

By using our Services, you represent and warrant that:

• You are at least 18 years old or of legal age in your jurisdiction.
• You have the legal capacity to enter into a binding contract with UNIQFINANCIAL S.A..
• You are not barred from using our Services under applicable laws.

3. Investment Risk

• No Guarantee of Returns: Investments involve risks, including the possible loss of capital. UNIQFINANCIAL S.A. does not guarantee any returns on investments.
• Market Risks: The value of investments may fluctuate due to market conditions, economic factors, and other variables. Past performance is not indicative of future results.
• Client Responsibility: You are responsible for understanding the risks associated with your investments and should seek independent financial advice if necessary.

4. Account Opening and Management

• Account Registration: To access our investment services, you must open an account with us by providing accurate and complete information. You agree to update your account information as needed.
• Account Security: You are responsible for maintaining the confidentiality of your account credentials and for any activities that occur under your account. You must notify us immediately if you suspect any unauthorized use of your account.
• Account Termination: We reserve the right to suspend or terminate your account at any time for any reason, including but not limited to violations of these Terms or applicable laws.

5. Fees and Charges

• Service Fees: You agree to pay all fees and charges associated with our Services as outlined in our fee schedule, which may be updated from time to time.
• Payment Terms: Fees are due and payable as specified in your account agreement. Failure to pay fees when due may result in the suspension or termination of your account and services.
• Taxes: You are responsible for any taxes, duties, or other governmental charges that may be imposed on your investments or the Services provided by UNIQFINANCIAL S.A..

6. Confidentiality and Privacy

• Confidential Information: Both parties agree to keep all confidential information related to the Services private and not disclose it to third parties, except as required by law.
• Privacy Policy: Your personal information will be collected, used, and protected in accordance with our Privacy Policy. By using our Services, you consent to the collection and use of your information as described in the Privacy Policy.

7. Investment Advice and Disclaimers

• No Personalized Advice: The information provided by UNIQFINANCIAL S.A. is for general informational purposes only and does not constitute personalized investment advice. We do not consider your individual financial situation, investment objectives, or risk tolerance.
• Third-Party Information: We may provide links to third-party websites or information. We are not responsible for the content or accuracy of third-party information and do not endorse any products or services offered by third parties.

8. Limitation of Liability

• No Liability for Losses: UNIQFINANCIAL S.A. shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with your use of our Services, including but not limited to investment losses, loss of data, or loss of profits.
• Force Majeure: We shall not be liable for any failure or delay in performing our obligations under these Terms due to events beyond our reasonable control, including but not limited to natural disasters, acts of war, cyberattacks, or government actions.

9. Indemnification

You agree to indemnify, defend, and hold harmless UNIQFINANCIAL S.A., its affiliates, officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, and expenses, including legal fees, arising out of or in connection with your use of the Services, your breach of these Terms, or your violation of any rights of a third party.

10. Amendments and Modifications

• Changes to Terms: We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting on our website. Your continued use of the Services after the posting of the revised Terms constitutes your acceptance of the changes.
• Notification: We will notify you of significant changes to these Terms via email or through our website. It is your responsibility to review the Terms periodically.

11. Governing Law and Dispute Resolution

• Governing Law: These Terms are governed by and construed in accordance with the laws of the Dominican Republic, without regard to its conflict of laws principles.
• Dispute Resolution: Any disputes arising out of or related to these Terms or the Services shall be resolved through binding arbitration in accordance with the rules of [insert applicable arbitration body]. The arbitration shall take place in [insert location], and the language of arbitration shall be [insert language].

12. Severability

If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect.

13. Entire Agreement

These Terms constitute the entire agreement between you and UNIQFINANCIAL S.A. with respect to the use of the Services and supersede all prior or contemporaneous communications and proposals, whether oral or written, between the parties.

14. Contact Information

If you have any questions or concerns about these Terms, please contact us at:

UNIQFINANCIAL S.A.