These Terms & Conditions ("Terms") govern your use of the Pinguino website (pinguinobpo.com). By accessing or using the Website, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Website.

1. Website Content:

1.1 The content provided on the Website is for informational purposes only and does not constitute financial, investment, or legal advice.

1.2 Pinguino Capital reserves the right to modify, update, or remove any content on the Website at any time without prior notice.

2. Use of Website:

2.1 You agree to use the Website solely for lawful purposes and in accordance with these Terms.

2.2 You may not use the Website in any manner that could damage, disable, overburden, or impair the Website or interfere with any other party's use of the Website.

3. Intellectual Property:

3.1 The content, design, layout, and graphics on the Website are owned by Pinguino and are protected by intellectual property laws.

3.2 You may not reproduce, distribute, modify, or republish any content from the Website without prior written consent from Pinguino.

4. Links to Third-Party Websites:

4.1 The Website may contain links to third-party websites for your convenience. Pinguino does not endorse or control the content of these websites and is not responsible for any damages or losses resulting from your use of these links.

4.2 You access third-party websites at your own risk and should review the terms and conditions and privacy policies of these websites before using them.

5. Privacy Policy:

5.1 Your use of the Website is subject to the Pinguino Privacy Policy, which governs the collection, use, and disclosure of your personal information.

5.2 By using the Website, you consent to the collection and use of your personal information in accordance with the Privacy Policy.

6. Disclaimer of Warranties:

6.1 The Website is provided on an "as is" and "as available" basis without any warranties of any kind, express or implied.

6.2 Pinguino does not warrant that the Website will be uninterrupted, error-free, or free of viruses or other harmful components.

7. Limitation of Liability:

7.1 In no event shall Pinguino be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of the Website.

7.2 Pinguino’s total liability for any claims arising out of or in connection with these Terms or your use of the Website shall not exceed the amount paid by you, if any, to access the Website.

8. Governing Law and Jurisdiction:

8.1 These Terms shall be governed by and construed in accordance with the laws of Florida, USA.

8.2 Any disputes arising out of or in connection with these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts of Florida, USA.

9. Changes to Terms:

9.1 Pinguino reserves the right to modify or update these Terms at any time without prior notice.

9.2 Any changes to these Terms will be effective immediately upon posting on the Website. Your continued use of the Website after the posting of revised Terms constitutes your acceptance of such changes.

If you have any questions or concerns about these Terms, please contact us at info@pinguinobpo.com.

Date of Last Update: April 17, 2024