Template Terms and Conditions (T&C)

Article 1 - General scope and object of the agreement

The following terms and conditions (T&C) govern the relationship between you as a client and our company while interacting through our website https://ramoscapital.nexolife.org and/or on our application Todo en Finanzas.

Navigating and/or interacting on our website and/or application means that you expressly agree to these T&C without reserve or objection.

Our company has the right to modify or to adapt these T&C at any time and without prior notice. These T&C are directly applicable as soon as they are published on our website and/or application and/or sent to you by any means.

Please read these Terms and Conditions carefully before using, interacting or accessing our website and/or application.

By agreeing to these T&C you grant us that you have reached at least the legal majority in your country, state or province of residence. If you are a minor you grant us that you have all the rights and consent from your legal representatives to use our services. If you have not reached the legal majority then you must not use our Services.

You are not entitled to use our services, website and/or application for any illegal or unauthorized purposes.

You must not try to hack, alter the use or functions of our services, send viruses or lead or try to lead any other kind of attack towards our services. You must not try to attempt at our services' integrity either.

Article 2 - Content and Intellectual property

The content provided in our Services might be accessible for free or not. Some content might be required to be logged in or to have a valid paid subscription (IAP, restricted contents or sections).

If some content requires you to have an account or to be registered, please refer to the Article 4 « Registration Process » to know of to access our Services.

The contents of our Services are intended for personal, non-commercial use. All materials available on our Services are protected by copyrights and/or intellectual property rights.

In addition to that some content might be protected by some other rights such as, trademark, patents, trade secrets, database right, sui generis rights and other intellectual or proprietary rights.

The user of our Services is not allowed to reproduce totally or partially any content that is made available through our Services. The user will also not reproduce any of our logo, name, visual identity and so on, he will also not try to reproduce, copy or produce mere copy of our Services.

The user will not modify, copy, paste, translate, sell, exploit or transmit for free or not any of the content, text, photo, pictures, drawing, audio content, podcast or any content that is available on our Services.

Article 4 - Registration process

Our company might or might not require our client to first register to enable the client to access some part or the whole application and/or website.

Each registration is intended for one user only and you are prohibited from sharing your credentials or your account with anyone.

We may cancel or suspend your access to our Services if you share your credentials.

Please notify us immediately at (soporte@nexolife.com) if you think that your credentials are compromised.

Registration

If registration is required to access our website and/or application then the client must first enroll itself by creating an account. To do so the client must fill in the registry form available on our website and/or application. The client will choose a login and a password linked to a valid email address.

By doing so the client agrees that he will keep his credential confidential, secure at all times and that he will not communicate them to any third-party.

The client must keep its credential confidential at all times and must not share its credentials with anyone.

Our company will not be held liable or responsible for any unauthorized use, modification or access on the client’s account even if fraudulent access is made using the client’s account or banking details.

Signing In with third parties authentication, including but not limited to, « Sign-in with Apple », Facebook and Twitter authentication

These third-party services might be implemented within our application and/or website to help you sign-in alongside creating an account directly on our Services.

You can either choose to register an account directly via the embedded registry form within our application and/or website or you can use third-party authentication mechanisms.

These third-party providers are not linked with our company and hence you must check and read their privacy policies and other legally binding documents that rule their services.

By using third-party authentication mechanisms, you are allowing third-party applications and/or platforms to access some of your personal data, the relationship between you and the platform is outside any kind of control of our company.

By using third-party authentication mechanisms, these platforms or applications might, depending on how you configured your account on their website, post, access, send messages, access, transfer personal data or personal and use personal data according to their own privacy rules and terms and conditions. These are only examples of what a third-party platform can do when you have granted them access to your data.

If you are unsure about how your data is managed while using these authentication services you must not use them and you should use our embedded account registration.

https://www.google.com/intl/fr/about/company/user-consent-policy-help/

https://support.google.com/accounts/answer/10130420#siwg&zippy=%2Chow-it-works%2Chow-data-is-shared

Article 5 - Warranties

The content provided by our Services is provided to the user « as it is » and « as available », we cannot guarantee that the content provided will be exact, true, or error-free. The user accesses our content at its own risks.

We will not be held responsible if any content on our Services is inaccurate or mistaken.

Article 6 - Content moderation (chat, comments and others) and user generated content

If our user uploads, posts or submits any type of content on the Services you represent to us that you have all the necessary legal rights to upload, post or submit such content.

You shall not publish, distribute or upload any content that is, abusive, fake news, obscene, pornographic, illegal.

In addition to that you shall not try to impersonate anyone else or use a fake identity in order to use, access or publish any content on our Services.

You shall not use our Services to transmit any kind of malware, viruses, crypto lockers, ransomware or spyware.

Users will not threaten or verbally abuse other users nor will they spam the Services. User will use respectfully language, you will not try to abuse or discriminate based on race, religion, nationality, sexual gender or preference, age, disability and so on. Hate speech is prohibited.

Our Company has the right to delete, modify, censor and delete a client’s content or account if any of the rules above are violated. This will be done without any prior justification or notice. The client will not receive any compensation.

Article 7 - Liability

Our company will not be liable in case of network disruption, viruses, outside access, fraudulent use of payment methods or any other kind or type of technical issue or fraudulent access.

Article 8 - Third-Party links and external links

Some of the contents available on our website and/or application can include materials from third-parties and outside sources. Third-party links on our websites and/or applications can direct you to outside of our control websites that are not affiliated with us. We are not responsible nor liable for controlling or examining the content or accuracy of third-party websites or outside sources.

Hence we are not liable nor responsible for any damages or misuse while accessing third-party links or external links or sources on our website and/or application.

Please read carefully our privacy policy regarding how to deal with third-party privacy policy, terms and conditions and cookie policy.

Article 9 - Disclaimer of warranties

While using our website and/or application you grant us that we will not be held liable or responsible if data on our services is not accurate, true, complete or correct. The information and data given on our services is given as illustrational and informational only and must not be used for making decisions. Further advice and information must be sought before making any serious decision. You are using our services at your own risk.

Our company reserves the right to modify and/or delete any content on our services without prior notice, but our company has no obligation to update any content available on our services.

Also our company does not guarantee that the use of our services will be error-free, timely, secure or uninterrupted. The client agrees that we can remove services from time to time or add new ones without prior notice.

Our services are delivered and provided to clients « as is » and « as available » for use, without any warranties or conditions of any kind.

In no case our company’s staff, employees, personnel, agents, interns and so on, are not liable for any loss, claim, injury, any indirect or direct damage, incidental, punitive or special damages of any kind or type. This includes loss of profits, lots of revenues, lots of data or savings, whether based on tort law, contract, liability or otherwise.

Article 10 - Indemnification

You as a client of our company agree to indemnify, defend and hold us harmless from any claim or demand, this includes attorney’s fee made by any third-party due to your breach of these T&C or any other document that is binding between you and our company.

Article 11 - Severability

If any part, article or document of these T&C or of any other binding document between you and our company is determined by a competent jurisdiction to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law.

The unenforceable portion shall be deemed to be severed from these T&C such determination will not affect the validity and enforceability of any other remaining provisions.

Article 12 - Termination

All of the obligations and liabilities of the parties that occurred before the termination date shall survive the termination of this agreement.

These T&C are effective unless terminated either by our company or by the client.

The client can notify our company that he no longer wants to use our services or he can simply stop using and/or access our services, websites and/or application.

Our company can terminate this agreement at its sole discretion at any time and without prior notice, the client will hence remain liable for any remaining amounts due to our company.

Article 13- Contact information

If you have any question regarding these Terms and Conditions you can contact us directly at: (soporte@nexolife.com).

Términos y Condiciones de Servicio

Privacy Policy under GDPR regulation (for Europe and companies doing business towards European area users)

This privacy policy describes how our company collects, uses and discloses your personal information and data when you use our services through our websites and/or application.

What kind of data is collected?

Our company collects the following set of data and information:

Personal identification information (name, physical address, email address, phone number, images, videos…)

How is the data collected?

You provide our company with most of the data we collect, we collect data and process personal data and information when:

You register online or place and order for any of our products or services
Use our website or application when cookies are set on your device

Our company might also receive data and information indirectly from the following sources:

Flurry (https://www.flurry.com)
Firebase (https://www.firebase.google.com)
Count.ly (https://count.ly)
AppsFlyer (https://www.appsflyer.com)
Facebook App Event (https://developers.facebook/coom/docs/app-events)

How will we use your data?

Our company collects your data so that we can:

Process your order, manage your account
Send you email with special offers on products and services

When our company processes your order it may send your data to credit and banking agencies to prevent fraudulent purchases that can include third-party payment processors.

How is the data stored?

Our company securely stores your data in France (Europe).

Our company will keep your data for 1 year. On this time period has expired, we will delete your data by ( Automatycally).

Device model (anonymous)
OS version (anonymous)
Device’s language (anonymous)
Geolocalisation if provided
Country (deducted from geolocalisation)
City (deducted from geolocalisation)

Third-party data processors

(EXAMPLE CRM/ZAPIER/AIRTABLE/TAWKTO…)

Marketing

If you have agreed to receive marketing emails or communication you may always opt out at a later date.

You have the right at any time to stop our company from contacting you for marketing purposes or giving data to other partners working with our company.

If you no longer want to be contacted for marketing purposes you can contact us at: soporte@nexolife.com

Data protection rights

Our company would like to make sure you are fully aware of all your data protection rights. Every user has, if applicable, the right to:

The right to access: you have the right to request our company for copies of your personal data.
The right to rectification: you have the right to request that our company corrects any information you believe is inaccurate or mistaken. You also have the right to request our company to complete information you believe is incomplete.
The right to erasure: you have the right to request that our company erase your personal data under certain conditions.
The right to restrict processing: you have the right to request that our company restricts the processing of your personal data under certain conditions.
The right to object to processing: you have the right to object to our company’s processing of personal data under certain conditions.
The right to data portability: you have the right to request that our company transfers the data we have collected to another organization or directly to you under certain conditions.

If you have any request regarding this matter we have a month to answer you. If you want to exercise any of these rights please contact us by using the following contact detail:

Send us an email at: soporte@nexolife.com

Privacy policies of other websites or third-party

Our company’s website might contain links to other websites, our privacy policy applies only to our website and/or application and services so if you click on another website you must read their privacy policy.

Changes to our privacy policy

Our company keeps its privacy policy under regular review and places any updates on this web page, this privacy policy was last updated on 04/07/2023.

Contacting us

If you have any questions or demand about our privacy policy, the data we hold on you, or you would like to exercice one of your data protection rights, please contact us at: soporte@nexolife.com

Send us an email at:soporte@nexolife.com

Contacting the appropriate authority

If you have any complaint or concern regarding how your data is managed you can contact the appropriate authority at:

soporte@nexolife.com

PRIVACY POLICY under other regulations than GDPR

Our company is committed to protecting individual privacy and securing the personal information made available to us when you visit. This privacy policy describes what information is made available to our company and how that information is used and retained and provides information on:

Information we receive (when you provide it, visit our website, receive email…)
How this information is used
Sharing of this information
Data retention
Third-party tools and sites
Children and privacy security

If you have any question or suggestion for its improvement, please let us know at (soporte@nexolife.com)

Information you give us

You do not have to provide our company with any personal information or create a user account to access information on our website and/or application. However for some services we may need personal information from you such as:

Personal identification information (name, physical address, email address, phone number…)
Videos
Images

Also when you visit our website the following information is automatically received and stored by servers:

IP address

Third-party websites

Our company’s website and/or application might contain links to other websites, our privacy policy applies only to our website so if you click on another website you must read their privacy policy.

How information is used

If you choose to provide us with information we may use that information to contact you, respond to your message or provide information or services you requested.

We use data you provide and automatically generated data for statistical analysis to assess what information is of interest to users and system performance. This allows us to make general improvements to our site. We may also use your information in order to detect, prevent and respond to security issues and harmful activities on our website and/or application.

Sharing of this information

Information you choose to share with our company may be treated as public information.

Our company uses a third-party analytics provider (such as Google Analytics) to analyze data from cookies. The third-party analytics provider does not receive personally identifiable information through these cookies. We have also limited the provider’s ability to see your full IP address.

Within our company we restrict access to personally identifiable information to employees, contractors and vendors subject to non-disclosure requirements who require access to this information in order to perform their official duties and exercise controls to limit what data they can view based on the specific needs of their position.

We do not use or share your information for commercial purposes and except as described above, we do not exchange or otherwise disclose this information.

Link to external websites and third-party

Our website may link to other websites created and maintained by other private and/or public organizations and individuals. When you follow a link to an external site you are leaving our website and are subject to external site’s privacy and security policies. Our company does not control or guarantee the accuracy, relevance, timeliness or completeness of information contained on an external site.

Security

Our company takes reasonable precautions to protect our site and information. For example we restrict access to personally identifiable information to employees, contractors and vendors subject to non-disclosure requirements.

Our company also uses commonly used practices and technical controls to protect the information in our possession or control. These practices and controls include, but are not limited to, encrypting the transfer of personal information over the internet, using firewalls and intrusion detection systems and maintaining strict technical controls and procédures to ensure data integrity.

We periodically review our processes and systems to verify compliance with industry best practices and to ensure the highest level of security for our website.

Updates do this privacy policy

Our company will revise or update this policy from time to time, if we make significant changes to how we handle personal information we will post changes to the policy on our site and change the date at the end.

Updated on: 04/07/2023

Cookie Policy and other similar tracking technologies (GDPR and non GDPR)

When you visit CIA Fort Myers we may send cookies or other similar tracking technologies to your computer or to any other device you use. We use cookies and similar tracking technologies to track user’s preferences and to know how he uses our services.

A cookie is a file containing an identifier (a string of letters and numbers) that is sent by a web server to a web browser and is stored by the browser. The identifier is then sent back to the server each time the browser requests a page from the server.

For further information visit allaboutcookies.org

Cookies are used for user identification and proper assignment of historical user data collected during previous visits.

Both temporary cookie files (session cookies) and persistent cookies are used. Users may delete or remove cookies for the browser at any time or block cookies from being installed on its device. However this may affect the operation of our services or even result in its blocking.

As described above, we use your personal information and data to provide you with targeted advertisements or marketing communications we believe may be of interest to you. For example:

We use Google Analytics to help us understand how our customers use the Site. You can read more about how Google uses your Personal Information here: https://www.google.com/intl/en/policies/privacy/. You can also opt-out of Google Analytics here: https://tools.google.com/dlpage/gaoptout.

We use a Facebook pixel on our website. Using the pixel, Facebook collects information about the users and use of our website. The information is used to personalize Facebook advertisements and to analyze the use of our website. To find out more about the Facebook pixel and about Facebook's use of personal data generally, see the Facebook cookie policy at https://www.facebook.com/policies/cookies/ and the Facebook privacy policy at https://www.facebook.com/about/privacy. The Facebook cookie policy includes information about controlling Facebook's use of cookies to show you advertisements. If you are a registered Facebook user, you can adjust how advertisements are targeted by following the instructions at https://www.facebook.com/help/568137493302217.

We publish Google AdSense advertisements on our website, together with advertisements from the following advertisers and advertising networks that are distributed by Google: (identify and provide links to advertisers and networks). The advertisements may be personalized to reflect your interests. To help determine your interests Google and its partners use cookies. The cookies are used to track your previous visits to our website and your visits to other websites. You can opt out of Google's personalized advertising by visiting https://www.google.com/settings/ads and you can opt out of third party cookies used for personalized advertising by visiting http://www.aboutads.info. You can review Google's privacy policy at https://policies.google.com/privacy.

For more information about how targeted advertising works, you can visit the Network Advertising Initiative’s (“NAI”) educational page at https://www.networkadvertising.org/understanding-online-advertising/how-does-it-work.

You can opt out of targeted advertising by:

FACEBOOK - https://www.facebook.com/settings/?tab=ads
GOOGLE - https://adssettings.google.com/authenticated

Additionally, you can opt out of some of these services by visiting the Digital Advertising Alliance’s opt-out portal at: https://optout.aboutads.info/.

We can use different type of cookie or tracking technologies while you are visiting our website and/or application:

Strictly necessary cookies: These types of cookies enable you to access and browse websites and use their features. Without these cookies, services like billing or shopping baskets cannot work properly.
Performance cookies: these cookies collect information and data about how you use our websites and/or application. The data collected can be used to optimize our websites and/or applications. These cookies are used to know where our visitors and users are coming from. These cookies do not collect information that identifies you personally.
Functionality cookies: these cookies allow our website or application to remember your choices. They can be used to memorize your localisation, or your preferences such as language settings or font size.

How to manage cookies?

You can set your browser not to accept cookies and the above website and/or application tells you how to remove cookies from your browser. However some of our websites and/or applications might not work properly without the use of cookies.

Here are some of the main explanation on how to delete cookies on your browser: https://support.google.com/chrome/answer/95647 (Chrome); https://support.mozilla.org/en-US/kb/enable-and-disable-cookies-website-preferences (Firefox); https://help.opera.com/en/latest/security-and-privacy/ (Opera); https://support.microsoft.com/en-gb/help/17442/windows-internet-explorer-delete-manage-cookies (Internet Explorer); https://support.apple.com/en-gb/guide/safari/manage-cookies-and-website-data-sfri11471/mac (Safari); and https://privacy.microsoft.com/en-us/windows-10-microsoft-edge-and-privacy (Edge).

For mobile devices, if you don’t want to receive targeted advertising based on your center of interest coming from a mobile application, please check the parameters of the operating system of your mobile device and follow these instructions: 1) iOS Users: to enable “Limited Ad Tracking” follow the instructions given by Apple. 2) Android Users: to enable the option “deactivate ad personalisation”, follow the instructions given by Google on Google Play. 3) You might want to download the DAA mobile AppChoices application to control behavioral advertising online.