1. Introduction
These terms and conditions govern the use of the Annuitypq website (www.annuitypq.com), as well as any content, functionality, and services offered on or through the website, whether as a visitor or registered user.
By using the website, you agree to comply with and be bound by these terms of use. If you do not agree with any part of these terms, you must not access or use our website.
This website is operated by Annuitypq S.R.L. ("we", "us", "our", "the Company"), a company registered in Bolivia with address at Av. Ayacucho 137 Edif. Los Andes, 2nd floor, Cochabamba.
2. Changes to Terms
We reserve the right to modify these terms of use at our discretion and at any time. It is your responsibility to periodically review these terms to be aware of any changes. Your continued use of the website after the publication of revised terms means that you accept and agree to the changes.
3. Website Access
We reserve the right to withdraw or modify this website, and any service or material we provide on the website, at our discretion and without prior notice. We will not be liable if, for any reason, all or part of the website is unavailable at any given time or period.
Occasionally, we may restrict access to some parts of the website, or the entire website, to users, including registered users.
You are responsible for:
- Ensuring that all persons who access the website through your internet connection are aware of these terms of use and comply with them.
- Ensuring that you have the necessary equipment and software to access the website.
4. Intellectual Property
The website and all its content, features, and functionality (including, but not limited to, all information, software, text, images, trademarks, logos, designs, audio, video, and the selection and arrangement thereof), are owned by the Company, its licensors, or other providers of such material and are protected by Bolivian and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
These terms of use allow you to use the website for your personal, non-commercial use. You must not reproduce, distribute, modify, create derivative works, publicly display, publicly perform, republish, download, store, or transmit any material from our website, except:
- Your computer may temporarily store copies of such materials in RAM incidental to your access and viewing of those materials.
- You may store files that are automatically cached by your web browser for display improvement.
- You may print or download a copy of a reasonable number of pages from the website for your personal, non-commercial use and not for further reproduction, publication, or distribution.
You must not:
- Modify copies of any material from the site.
- Use any illustration, photograph, 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.
If you wish to make any use of the material on the website other than what is established in this section, please direct your request to: info@annuitypq.com.
If you print, copy, modify, download, or otherwise use or provide any other person with access to any part of the website in violation of the Terms of Use, your right to use the website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.
5. Registered Trademarks
The Company name, the Company logo, and all related names, logos, product and service names, designs, and slogans are trademarks of the Company or its affiliates or licensors. You may not use such marks without the prior written permission of the Company. All other names, logos, product and service names, designs, and slogans on this website are the trademarks of their respective owners.
6. Prohibited Conduct
You may use the website only for lawful purposes and in accordance with these Terms of Use. You agree not to use the website:
- In any way that violates any applicable law or regulation (including, without limitation, any intellectual property law).
- To exploit, harm, or attempt to exploit or harm minors in any way by exposing them to inappropriate content or otherwise.
- To transmit, or procure the sending of, any advertising or promotional material, including any "junk mail", "chain letter", "spam", or any other similar solicitation.
- 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 website, or which, as determined by us, may harm the Company or users of the website, or expose them to liability.
Additionally, you agree not to:
- Use the website in any manner that could disable, overburden, damage, or impair the site or interfere with any other party's use of the site, including their ability to engage in real-time activities through the website.
- Use any robot, spider, or other automatic device, process, or means to access the website for any purpose, including monitoring or copying any material on the website.
- Use any manual process to monitor or copy any material on the website, or for any other unauthorized purpose, without our prior written consent.
- Use any device, software, or routine that interferes with the proper working of the website.
- Introduce 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 website, the server on which the website is stored, or any server, computer, or database connected to the website.
- Attack the website via a denial-of-service attack or a distributed denial-of-service attack.
- Otherwise attempt to interfere with the proper working of the website.
7. Reliance on Information Published
The information presented on or through the website is made available solely for general information purposes. We do not guarantee 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 information.
This website 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 to you or any third party for the content or accuracy of any materials provided by third parties.
8. Links from the Website
If the website contains links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third-party websites linked to this website, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.
9. Limitation of Liability
In no event will the Company, its affiliates or their licensors, service providers, employees, agents, officers, or directors be liable for damages of any kind, under any legal theory, arising out of or in connection with your use, or inability to use, the website, any websites linked to it, any content on the website or such other websites, including any direct, indirect, special, incidental, consequential, or punitive damages, including, but not limited to, personal injury, pain and suffering, emotional distress, loss of revenue, loss of profits, loss of business or anticipated savings, loss of use, loss of goodwill, loss of data, and whether caused by tort (including negligence), breach of contract, or otherwise, even if foreseeable.
The foregoing does not affect any warranties that cannot be excluded or limited under applicable law.
10. Indemnification
You agree to defend, indemnify, and hold harmless the Company, 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 of Use or your use of the website, including, but not limited to, any use of the website's content, services, and information other than as expressly authorized in these Terms of Use, or your use of any information obtained from the website.
11. Applicable Law and Jurisdiction
All matters relating to the website and these Terms of Use, and any dispute or claim arising from them or related to them (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of Bolivia, without giving effect to any choice or conflict of law provision or rule (whether of Bolivia or any other jurisdiction).
Any legal action or proceeding arising out of, or related to, these Terms of Use or the website shall be instituted exclusively in the courts of Bolivia, specifically in the city of Cochabamba. You waive any objection to the jurisdiction and venue of such courts.
12. Waiver and Severability
No waiver by the Company of any term or condition set forth in these Terms of Use 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 of Use shall not constitute a waiver of such right or provision.
If any provision of these Terms of Use is held by a court or other authority 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 of Use will continue in full force and effect.
13. Entire Agreement
The Terms of Use, our Privacy Policy, and Cookie Policy constitute the sole and entire agreement between you and Annuitypq with respect to the website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, with respect to the website.
14. Your Feedback
All comments, suggestions, ideas, or any other information you send to us through the website will be considered non-confidential and non-proprietary. The Company shall be free to use, copy, disclose, distribute, incorporate, and otherwise exploit any feedback, suggestions, ideas, or similar for any purpose without compensation to you.
15. Contact
For any questions about these Terms of Use, please contact us at:
Annuitypq S.R.L.
Av. Ayacucho 137 Edif. Los Andes, 2nd floor
Cochabamba, Bolivia
Email: info@annuitypq.com
Phone: +59144589566