Terms of Service

1. Introduction

Welcome to My Second Option S.A. ("Company", "we", "our", "us"). These Terms of Service ("Terms", "Terms of Service") govern your use of our website located at mysecondoption.com (the "Site") and all related services offered by My Second Option S.A. (collectively, the "Services").

These Terms constitute a legally binding agreement between you and My Second Option S.A. Please read these Terms carefully before accessing or using our Services. By accessing or using any part of our Services, you agree to be bound by these Terms. If you do not agree to all the Terms, you may not access or use our Services.

2. Not Financial, Investment, Legal, or Tax Advice

IMPORTANT DISCLAIMER: The information provided through our Services is for informational and educational purposes only. My Second Option S.A. does not provide financial, investment, legal, or tax advice. Nothing contained on our Site or communicated by our representatives constitutes financial, investment, legal, or tax advice of any kind.

All content, materials, information, and services available through our Site are intended to serve as general information and do not address the specific circumstances of any particular individual or entity. You should not construe any information provided through our Services as professional advice. You should consult with a qualified professional advisor before making any financial, investment, legal, tax, or other decisions based on information obtained through our Services.

My Second Option S.A. is not responsible for any investment decisions, damages, or losses resulting from, or related to, the information, data, analyses, or opinions available through our Services or communicated by our representatives. Past performance is not indicative of future results.

3. Services Description

My Second Option S.A. provides informational resources and consulting services related to real estate opportunities, legal and tax considerations, wealth management strategies, and relocation services in Panama, Paraguay, El Salvador, and other jurisdictions. Our Services may include, but are not limited to:

• Information about real estate investment opportunities
• General information about territorial tax systems
• Introductions to professional service providers in various jurisdictions
• Educational content about relocation processes
• Consultation services regarding potential investment and relocation opportunities

We reserve the right to modify, suspend, or discontinue any part of our Services at any time without notice or liability to you.

4. User Eligibility

By using our Services, you represent and warrant that:

• You are at least 18 years of age
• You possess the legal capacity to enter into these Terms
• You are not prohibited from using our Services under the laws of Panama, your country of residence, or any other applicable jurisdiction
• You will use our Services only for lawful purposes and in accordance with these Terms

If you are using our Services on behalf of a company, organization, or other legal entity, you represent and warrant that you have the authority to bind such entity to these Terms.

5. User Accounts

Some features of our Services may require you to create an account. When you create an account, you must provide accurate, current, and complete information. You are solely responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

You agree to immediately notify us of any unauthorized use of your account or any other breach of security. We reserve the right to terminate your account at our sole discretion without notice if we believe you have violated these Terms.

We are not responsible for any loss or damage arising from your failure to comply with the above requirements.

6. Intellectual Property Rights

The Site and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by My Second Option S.A., its licensors, or other providers of such material and are protected by Panama and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

These Terms permit you to use the Site for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Site, except as follows:

• Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials
• You may store files that are automatically cached by your web browser for display enhancement purposes
• You may print or download one copy of a reasonable number of pages of the Site for your own personal, non-commercial use and not for further reproduction, publication, or distribution
• If we provide social media features with certain content, you may take such actions as are enabled by such features

You must not:

• Modify copies of any materials from the Site
• Use any illustrations, photographs, video or audio sequences, or any graphics separately from the accompanying text
• Delete or alter any copyright, trademark, or other proprietary rights notices from copies of materials from the Site
• Access or use for any commercial purposes any part of the Site or any services or materials available through the Site

If you print, copy, modify, download, or otherwise use or provide any other person with access to any part of the Site in breach of the Terms, your right to use the Site will stop immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title, or interest in or to the Site or any content on the Site is transferred to you, and all rights not expressly granted are reserved by the Company.

7. Prohibited Uses

You may use the Site only for lawful purposes and in accordance with these Terms. You agree not to use the Site:

• In any way that violates any applicable federal, state, local, or international law or regulation
• For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way
• To transmit or procure the sending of any advertising or promotional material without our prior written consent
• To impersonate or attempt to impersonate the Company, a Company employee, another user, or any other person or entity
• To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Site, or which may harm the Company or users of the Site

Additionally, you agree not to:

• Use the Site in any manner that could disable, overburden, damage, or impair the Site
• Use any robot, spider, or other automatic device, process, or means to access the Site for any purpose
• Use any device, software, or routine that interferes with the proper working of the Site
• Introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful
• Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Site
• Attack the Site via a denial-of-service attack or a distributed denial-of-service attack
• Otherwise attempt to interfere with the proper working of the Site

8. User Contributions

The Site may contain features that allow users to post, submit, publish, display, or transmit content or materials ("User Contributions"). All User Contributions must comply with these Terms.

By providing any User Contribution on the Site, you grant us and our affiliates and service providers, and each of their and our respective licensees, successors, and assigns the right to use, reproduce, modify, perform, display, distribute, and otherwise disclose to third parties any such material for any purpose.

You represent and warrant that all of your User Contributions comply with these Terms and that you own or control all rights in your User Contributions. You understand and acknowledge that you are responsible for any User Contributions you submit or contribute, and you, not the Company, have full responsibility for such content.

We have the right to:

• Remove or refuse to post any User Contributions for any or no reason
• Take any action with respect to any User Contribution that we deem necessary or appropriate
• Disclose your identity or other information about you to any third party who claims that material posted by you violates their rights
• Take appropriate legal action for any illegal or unauthorized use of the Site
• Terminate or suspend your access to all or part of the Site for any reason

9. Fees and Payment

Certain Services offered by My Second Option S.A. may require payment of fees. All fees are quoted in United States Dollars (USD) unless otherwise stated.

You agree to pay all fees associated with the Services you select. We reserve the right to change our fees at any time, with or without notice. If we change our fees, we will post the changes on the Site or notify you directly.

Payment terms will be specified during the purchasing process. You agree to provide current, complete, and accurate payment information for all purchases made through the Site. By providing your payment information, you authorize us to charge your payment method for the total amount of your order plus any applicable taxes and other charges.

For certain Services, we may offer a refund policy. Any refund policy will be specified at the time of purchase and may vary depending on the Service. Unless otherwise stated, all sales are final and non-refundable.

10. Cancellation and Rescheduling

For consultation Services, we understand that circumstances may require you to cancel or reschedule your appointment. Our cancellation and rescheduling policy is as follows:

• Cancellations or rescheduling requests made at least 48 hours before the scheduled appointment time may be accommodated without penalty
• Cancellations or rescheduling requests made less than 48 hours before the scheduled appointment time may be subject to a fee or may not be eligible for a refund
• No-shows (failure to attend a scheduled appointment without prior notification) are not eligible for a refund

We reserve the right to cancel or reschedule appointments at our discretion. In such cases, we will make reasonable efforts to notify you promptly and offer alternative appointment times or a refund, as appropriate.

11. Reliance on Information

The information presented on or through the Site is made available solely for general information purposes. We do not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Site, or by anyone who may be informed of any of its contents.

The Site may include content provided by third parties, including materials provided by other users, bloggers, and third-party licensors, syndicators, aggregators, and/or reporting services. All statements and/or opinions expressed in these materials, and all articles and responses to questions and other content, other than the content provided by the Company, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect the opinion of the Company. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties.

12. Links to Third-Party Websites

The Site may contain links to third-party websites or services that are not owned or controlled by My Second Option S.A. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. We do not warrant the offerings of any of these entities/individuals or their websites.

You acknowledge and agree that My Second Option S.A. shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such third-party websites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.

13. Disclaimer of Warranties

THE SITE AND ALL INFORMATION, CONTENT, MATERIALS, PRODUCTS, AND SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THE SITE ARE PROVIDED BY MY SECOND OPTION S.A. ON AN "AS IS" AND "AS AVAILABLE" BASIS, UNLESS OTHERWISE SPECIFIED IN WRITING. MY SECOND OPTION S.A. MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE SITE OR THE INFORMATION, CONTENT, MATERIALS, PRODUCTS, OR SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THE SITE, UNLESS OTHERWISE SPECIFIED IN WRITING.

TO THE FULL EXTENT PERMISSIBLE BY LAW, MY SECOND OPTION S.A. DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. MY SECOND OPTION S.A. DOES NOT WARRANT THAT THE SITE, ITS SERVERS, OR E-MAIL SENT FROM MY SECOND OPTION S.A. ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

MY SECOND OPTION S.A. WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THE SITE OR FROM ANY INFORMATION, CONTENT, MATERIALS, PRODUCTS, OR SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THE SITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES, UNLESS OTHERWISE SPECIFIED IN WRITING.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL MY SECOND OPTION S.A., ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICES
• ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SERVICES
• ANY CONTENT OBTAINED FROM THE SERVICES
• UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT
• ANY FINANCIAL, INVESTMENT, LEGAL, TAX, OR OTHER DECISIONS MADE BASED ON INFORMATION PROVIDED THROUGH OUR SERVICES

THE LIMITATIONS OF THIS SECTION SHALL APPLY TO ANY THEORY OF LIABILITY, WHETHER BASED ON WARRANTY, CONTRACT, STATUTE, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE, AND WHETHER OR NOT MY SECOND OPTION S.A. HAS BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE, AND EVEN IF A REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, OR CAUSES OF ACTION EXCEED THE AMOUNT YOU HAVE PAID MY SECOND OPTION S.A. IN THE LAST SIX (6) MONTHS, OR, IF GREATER, ONE HUNDRED DOLLARS ($100).

15. Indemnification

You agree to defend, indemnify, and hold harmless My Second Option S.A., its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Services, including, but not limited to, your User Contributions, any use of the Site's content, services, and products other than as expressly authorized in these Terms, or your use of any information obtained from the Site.

16. Governing Law and Jurisdiction

These Terms and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of the Republic of Panama, without giving effect to any choice or conflict of law provision or rule.

Any legal suit, action, or proceeding arising out of or related to these Terms or the Services shall be instituted exclusively in the courts of Panama City, Republic of Panama. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

17. Arbitration

At our sole discretion, we may require you to submit any disputes arising from these Terms or use of the Services, including disputes arising from or concerning their interpretation, violation, invalidity, non-performance, or termination, to final and binding arbitration under the Rules of Arbitration of the International Chamber of Commerce, applying Panama law.

18. Waiver and Severability

No waiver by the Company of any term or condition set out in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of the Company to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

If any provision of these Terms is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms will continue in full force and effect.

19. Entire Agreement

These Terms, our Privacy Policy, and any other agreements expressly incorporated by reference herein constitute the sole and entire agreement between you and My Second Option S.A. regarding the Services and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Services.

20. Changes to Terms of Service

We may revise and update these Terms from time to time at our sole discretion. All changes are effective immediately when we post them and apply to all access to and use of the Site thereafter.

Your continued use of the Site following the posting of revised Terms means that you accept and agree to the changes. You are expected to check this page frequently so you are aware of any changes, as they are binding on you.

21. Contact Information

Questions or comments about the Site or these Terms of Service may be directed to:

• By email: [email protected]