Please read these terms carefully before using the TIG INFORMATICA SL website and services.
These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and TIG INFORMATICA SL ("Company," "we," "us," or "our"). By accessing or using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety. If you do not agree with any provision of these Terms, you must discontinue use of our website and services immediately.
By accessing this website, browsing its content, or using any of the services offered by TIG INFORMATICA SL, you confirm that you accept these Terms of Service and agree to comply with them. These Terms apply to all visitors, users, and individuals who access or use any portion of our website or services.
You represent and warrant that you are at least 18 years of age or the age of majority in your province or territory of residence in Canada, whichever is greater. If you are accessing this website on behalf of an organization or business entity, you represent that you have the authority to bind that entity to these Terms, and references to "you" and "your" in these Terms will refer to both you as an individual and the entity you represent.
If you are under the age of 18 or the applicable age of majority, you may not use our website or services. We do not knowingly provide services to minors, and any use of this site by individuals under the minimum age is strictly prohibited.
Your continued use of the website following the posting of any revised Terms constitutes your acceptance of those changes. We recommend reviewing this page periodically so you remain aware of any modifications.
TIG INFORMATICA SL provides financial consulting, analytical services, and educational programs designed to improve financial literacy and develop practical capital management skills. Our services are primarily directed at clients located in Canada and are adapted to reflect the Canadian financial landscape, including relevant regulations, tax-advantaged accounts, and market conditions.
Our service offerings include, but are not limited to:
All services are delivered online and are accessible from any location within Canada. The scope, format, duration, and pricing of individual services are described on the relevant service pages of our website and may be further clarified during the initial consultation phase.
We reserve the right to modify, suspend, or discontinue any part of our services at any time, with reasonable notice where practicable. We are not liable to you or any third party for any modification, suspension, or discontinuation of services.
As a user of our website and services, you agree to use them only for lawful purposes and in accordance with these Terms. You are responsible for ensuring that your use of the website does not violate any applicable local, provincial, federal, or international laws and regulations.
You agree that you will not:
When submitting information through our contact forms or during consultations, you agree to provide accurate, current, and complete information. You are solely responsible for the accuracy of the data you provide to us.
All content available on this website, including but not limited to text, graphics, logos, icons, images, audio clips, video content, course materials, educational resources, data compilations, software, and the overall design and arrangement of the site, is the property of TIG INFORMATICA SL or its content suppliers and is protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.
We grant you a limited, non-exclusive, non-transferable, revocable license to access and use our website and its content for personal, non-commercial purposes only. This license does not include the right to:
Course materials, educational content, and consulting resources provided through our paid services are licensed for your personal use only. Sharing, redistributing, uploading, or reselling course materials to any third party is strictly prohibited and constitutes a material breach of these Terms.
The TIG INFORMATICA SL name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of TIG INFORMATICA SL or its affiliates. You may not use such marks without our prior written permission. All other names, logos, product and service names, designs, and slogans on this website are the trademarks of their respective owners.
This website and all content, services, and materials provided through it are offered on an "as is" and "as available" basis, without any warranties of any kind, whether express, implied, or statutory.
TIG INFORMATICA SL specifically disclaims all implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the website will be uninterrupted, timely, secure, or error-free, that the results obtained from the use of the website will be accurate or reliable, or that any errors in the website will be corrected.
Our services are educational and informational in nature. The content provided through our website, courses, and consultations does not constitute professional financial advice, investment advice, tax advice, or legal advice. Financial markets carry inherent risks, and past performance does not guarantee future results. Any decisions you make based on information obtained from our services are made at your own risk and discretion.
The specialists featured in our programs are invited experts who provide educational content. Their participation does not constitute an endorsement of any specific financial product, investment strategy, or course of action. You should consult with a licensed financial advisor, accountant, or other qualified professional before making significant financial decisions.
We make reasonable efforts to ensure that the information on our website is accurate and up to date; however, we do not guarantee the completeness, reliability, or accuracy of any information on the site. Any reliance you place on such information is strictly at your own risk.
To the fullest extent permitted by applicable law, TIG INFORMATICA SL, its directors, officers, employees, agents, affiliates, and partners shall not 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:
In no event shall our total aggregate liability to you for all claims arising out of or relating to the use of, or inability to use, the website or services exceed the amount you have paid to TIG INFORMATICA SL during the twelve (12) months preceding the event giving rise to the claim, or one hundred euros (EUR 100), whichever is greater.
Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability shall be limited to the greatest extent permitted by law. Nothing in these Terms shall limit liability for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation.
You agree to defend, indemnify, and hold harmless TIG INFORMATICA SL, its officers, directors, employees, agents, licensors, and suppliers from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:
This indemnification obligation will survive the termination of these Terms and your use of the website and services. TIG INFORMATICA SL reserves the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with us in asserting any available defenses.
Our website may contain links to third-party websites, services, or resources that are not owned or controlled by TIG INFORMATICA SL. These links are provided solely for your convenience and informational purposes. We have no control over the content, privacy policies, or practices of any third-party websites or services and assume no responsibility for them.
The inclusion of any link does not imply endorsement, recommendation, or approval by TIG INFORMATICA SL of the linked site, its operators, or its content. When you click on a third-party link, you leave our website, and your interactions with the third-party site are governed by that site's own terms of service and privacy policy.
We strongly recommend that you review the terms of service and privacy policies of any third-party websites you visit. TIG INFORMATICA SL 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 content, goods, or services available on or through any third-party website.
Your privacy is important to us. Our collection and use of personal information in connection with your use of the website and services is described in our Privacy Policy, which is incorporated into these Terms by reference.
By using our website and services, you acknowledge that you have read and understood our Privacy Policy. The Privacy Policy explains what data we collect, how we use it, with whom it may be shared, and what rights you have regarding your personal information. It also covers our use of cookies, analytics tools, and advertising technologies.
If you submit personal data through our contact forms or during the course of using our services, you consent to the processing of that data as described in the Privacy Policy. You have the right to withdraw your consent at any time by contacting us at the email address provided in these Terms.
These Terms of Service and any disputes arising out of or relating to them, including their interpretation, validity, and enforceability, shall be governed by and construed in accordance with the laws of Spain, without regard to its conflict of law principles.
Any legal action or proceeding arising out of or relating to these Terms or the website shall be brought exclusively in the courts of Madrid, Spain, and you consent to the personal jurisdiction of such courts. You agree to waive any objection to the exercise of jurisdiction over you by such courts and to the venue of such courts.
Notwithstanding the foregoing, TIG INFORMATICA SL retains the right to seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of our intellectual property rights or other proprietary rights. Nothing in this section limits the rights of users under mandatory consumer protection laws of their country of residence.
In the event of any dispute, claim, question, or disagreement arising from or relating to these Terms or the breach thereof, the parties shall first attempt to settle the dispute through informal negotiation. You agree to contact us in writing at our email address ([email protected]) to describe the nature of your dispute and allow at least thirty (30) calendar days for an informal resolution before initiating any formal proceedings.
If the dispute cannot be resolved through informal negotiation within the thirty-day period, either party may pursue resolution through the courts of Madrid, Spain, as specified in Section 10 above. Both parties agree to make a good-faith effort to resolve disputes amicably before resorting to litigation.
You agree that any dispute resolution proceedings will be conducted on an individual basis and not as part of a class, consolidated, or representative action. If for any reason a claim proceeds in court rather than through arbitration, each party waives any right to a jury trial.
TIG INFORMATICA SL may terminate or suspend your access to the website and services immediately, without prior notice or liability, for any reason, including without limitation if you breach these Terms of Service. Upon termination, your right to use the website and services will cease immediately.
Grounds for termination may include, but are not limited to:
All provisions of these Terms which by their nature should survive termination shall survive, including without limitation ownership provisions, warranty disclaimers, indemnification obligations, and limitations of liability. Termination does not relieve you of any obligation to pay fees that may have accrued prior to termination.
TIG INFORMATICA SL reserves the right to revise and update these Terms of Service at any time at our sole discretion. When we make changes that we consider material, we will notify users by posting a prominent notice on the homepage of our website at least fourteen (14) days before the revised Terms take effect.
The "Last Updated" date at the top of this page indicates when the most recent revisions were made. We encourage you to review these Terms periodically to stay informed of any changes. Changes are effective when they are posted on this page, subject to the 14-day notice period for material modifications.
Your continued use of the website and services after the revised Terms become effective constitutes your acceptance of the updated Terms. If you do not agree to the revised Terms, you should discontinue use of the website and services before the changes take effect. If you have an active paid engagement with us and disagree with the updated Terms, please contact us to discuss available options.
If you have any questions, concerns, or requests regarding these Terms of Service, please contact us using the information below. We will make reasonable efforts to respond to your inquiry within a timely manner.
If any provision of these Terms is held to be unenforceable or invalid by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions of these Terms shall remain in full force and effect.
These Terms, together with the Privacy Policy and any other legal notices or policies published by us on the website, constitute the entire agreement between you and TIG INFORMATICA SL concerning your use of the website and services. These Terms supersede any prior agreements, communications, or representations, whether oral or written, regarding the subject matter herein.
No waiver 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. Our failure to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.
You may not assign or transfer these Terms, by operation of law or otherwise, without our prior written consent. Any attempt by you to assign or transfer these Terms without such consent will be null and void. TIG INFORMATICA SL may freely assign or transfer these Terms without restriction.