Terms of Service

Acceptance of Terms

By accessing and using the prozican website (prozican.xyz) or engaging our asset management services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these Terms, please do not use our website or services.

These Terms constitute a legally binding agreement between you and prozican S.A., a company incorporated in Spain with registration number B78294573.

Description of Services

prozican provides professional asset management services including:

• Institutional asset management and portfolio management services
• Private wealth management for high-net-worth individuals and families
• Financial advisory and strategic consulting services
• Investment research and market analysis
• Risk management and compliance services

All services are provided in accordance with applicable Spanish and European Union financial regulations and industry standards.

User Obligations

When using our website and services, you agree to:

• Provide accurate, current, and complete information when required
• Maintain the confidentiality of any account credentials
• Use our services only for lawful purposes and in accordance with these Terms
• Comply with all applicable laws and regulations
• Not interfere with or disrupt the integrity or performance of our website
• Not attempt to gain unauthorised access to our systems or data
• Respect the intellectual property rights of prozican and third parties

Eligibility and Client Onboarding

Our asset management services are available to qualified institutional and individual clients who meet our eligibility criteria. All prospective clients must complete our onboarding process, which includes:

• Identity verification and know-your-customer (KYC) procedures
• Suitability and appropriateness assessments
• Risk tolerance evaluation
• Compliance with anti-money laundering (AML) requirements
• Execution of appropriate service agreements

Intellectual Property

All content on our website, including but not limited to text, graphics, logos, images, software, and data compilations, is the property of prozican or its content suppliers and is protected by Spanish and international copyright laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of our content without prior written consent from prozican, except for:

• Personal, non-commercial use of publicly available information
• Brief quotations for news reporting or academic purposes with proper attribution
• Content specifically designated as freely available for distribution

Investment Risks and Disclaimers

Investment in financial markets involves substantial risk and may not be suitable for all investors. Past performance is not indicative of future results. You acknowledge and understand that:

• All investments carry the risk of loss, including the potential loss of principal
• Investment returns are not guaranteed and may fluctuate
• Market conditions can change rapidly and unpredictably
• Diversification does not guarantee against loss
• You should carefully consider your investment objectives and risk tolerance

Limitation of Liability

To the fullest extent permitted by law, prozican shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or use, incurred by you or any third party, whether in an action in contract or tort, even if we have been advised of the possibility of such damages.

Our total liability to you for all claims arising from or related to our services shall not exceed the fees paid by you to prozican in the twelve months preceding the event giving rise to the claim.

Nothing in these Terms shall exclude or limit our liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded under applicable law.

Indemnification

You agree to indemnify, defend, and hold harmless prozican, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses arising out of or in any way connected with:

• Your use of our website or services
• Your violation of these Terms
• Your violation of any rights of a third party
• Any information or content you provide to us

Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to the collection and use of your information as described in our Privacy Policy.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of Spain, without regard to its conflict of law principles. The Spanish courts shall have exclusive jurisdiction over any disputes arising from or relating to these Terms or our services.

If you are a consumer resident in another EU member state, you may also have rights under the laws of your country of residence, and nothing in these Terms affects those rights.

Dispute Resolution

We encourage you to contact us first to resolve any disputes. If we cannot resolve a dispute through direct communication, any legal action must be commenced within one year after the claim arose.

For eligible disputes, you may also have access to alternative dispute resolution mechanisms, including mediation services provided by recognised Spanish or European institutions.

Termination

We reserve the right to terminate or suspend your access to our website and services at any time, without prior notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties.

You may terminate your relationship with us at any time by ceasing to use our website and services. Termination of services will be subject to the terms of any specific service agreements between you and prozican.

Upon termination, your right to use our website and services will cease immediately, but the provisions of these Terms that by their nature should survive termination shall remain in effect.

Regulatory Compliance

prozican is committed to maintaining compliance with all applicable financial regulations, including:

• Markets in Financial Instruments Directive (MiFID II)
• Alternative Investment Fund Managers Directive (AIFMD)
• General Data Protection Regulation (GDPR)
• Spanish financial services regulations
• Anti-money laundering and counter-terrorism financing laws

Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the updated Terms on our website with a new "last updated" date. Your continued use of our website or services after such modifications constitutes your acceptance of the updated Terms.

For significant changes that materially affect your rights or obligations, we may provide additional notice through email or other communication methods.

Severability

If any provision of these Terms is found to be unenforceable or invalid under any applicable law, such unenforceability or invalidity shall not render these Terms unenforceable or invalid as a whole. Such provisions shall be deleted without affecting the remaining provisions.

Entire Agreement

These Terms, together with our Privacy Policy and any specific service agreements, constitute the entire agreement between you and prozican regarding the use of our website and services, and supersede all prior and contemporaneous understandings, agreements, representations, and warranties.

Contact Information

If you have any questions about these Terms of Service, please contact us: