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Terms and Conditions of Use

Effective Date: April 22, 2025

  1. Acceptance of Terms
  1. These Terms and Conditions of Use (“Terms”) constitute a legally binding agreement between you and Sygnus Capital PR LLC and its affiliates or subsidiaries (collectively, “Sygnus”) governing your access to and use of the website https://sygnusgroup.com/pr/ and all services, features, content, and functionality made available through the site (the “Site”).
  1. By accessing or using the Site, you affirm that you have read, understood, and agreed to comply with these Terms, as well as Sygnus’ Privacy Policy, which is expressly incorporated herein by reference. If you do not agree to these Terms in full, you must not access or use the Site.
  1. These Terms apply to all users of the Site, including but not limited to visitors, clients, investors, and other persons who access or use the Site in any capacity, whether individually or on behalf of a business entity. By using this Site, you represent and warrant that you have the legal authority and capacity to enter into and be bound by these Terms on your behalf or on behalf of the entity you represent.
  1. It is your sole responsibility to determine whether your use of this Site is lawful in the jurisdiction from which you access it, including but not limited to compliance with applicable data privacy, securities, and consumer protection laws in Puerto Rico. You agree that your use of the Site shall be at your own risk, and you further agree to hold Sygnus harmless from any liability resulting from your failure to comply with local legal requirements.
  1. Sygnus encourages all users to consult with qualified legal, financial, or tax professionals before acting on any information obtained from the Site, particularly where investment, cross-border transactions, or jurisdiction-specific regulations are involved.
  1. Use of the Website
  1. This Site and all information, material, data, tools, and services contained herein (“Site Content”) are provided for general informational purposes only. Nothing on the Site shall be construed as an offer or solicitation to sell or buy any securities, financial instruments, or advisory services by Sygnus or its affiliates, especially where such offer or solicitation would be unlawful under the laws of Puerto Rico.
  1. All products and services offered by Sygnus are subject to applicable laws, regulations, and licensing requirements in the jurisdictions where such products or services are made available. No Site Content shall be construed as personalized investment, legal, tax, or accounting advice, nor does it substitute for consultation with qualified professionals. You acknowledge and agree that your reliance on Site Content is entirely at your own risk.
  1. It is your sole responsibility to evaluate the appropriateness and risks of any information provided on the Site in the context of your financial situation and objectives. Past performance is not indicative of future results. All investments carry inherent risks, including but not limited to market volatility and potential loss of principal.
  1. Sygnus does not guarantee the accuracy, timeliness, completeness, or reliability of the Site Content and accepts no liability for any errors or omissions therein. The Site and its contents are provided on an “as-is” and “as-available” basis without any representations or warranties of any kind. Sygnus reserves the right to amend, update, suspend, or terminate any portion of the Site at any time without notice.
  1. Your use of this Site must comply with all applicable local, national, and international laws, rules, and regulations, including but not limited to those enforced by the Office of the Commissioner of Financial Institutions (OCIF) of Puerto Rico. Any unauthorized or unlawful use of this Site may result in criminal or civil liability under the applicable laws of those jurisdictions.
  1. You agree not to use the Site to transmit or disseminate any material that may infringe on the rights of others or that is unlawful, defamatory, threatening, abusive, obscene, invasive of privacy, or otherwise objectionable or prohibited by law. Sygnus reserves the right to investigate and take appropriate legal action against users who violate these provisions.
  1. Regulatory Disclosures
  1. Sygnus is regulated by competent authorities, including, but not limited to,  the Office of the Commissioner of Financial Institutions (OCIF) in Puerto Rico. The Site and its content are intended to comply with the legal and regulatory frameworks applicable in this jurisdiction
  1. Access to and use of the Site does not establish any advisory, fiduciary, or client relationship between you and Sygnus unless such a relationship is evidenced by a formal written agreement executed by both parties. No part of the Site should be interpreted as providing tailored investment advice or any service requiring licensing where such licenses are not held.
  1. Users accessing the Site from outside Puerto Rico must ensure compliance with applicable local laws and regulations. References to Sygnus’ services on the Site do not imply that such services are available in all jurisdictions or that Sygnus is permitted to operate in every location mentioned or accessible through the Site.
  1. Nothing on this Site shall be deemed to override or waive any disclosures, filings, or registration requirements required by law. Sygnus undertakes to provide full transparency regarding its licensing and regulatory status upon request and encourages users to perform their due diligence before engaging with any of its services.
  1. Authorized Use, Intellectual Property, and Restrictions
  1. All content on this Site, including but not limited to trademarks, trade names, logos, service marks, text, graphics, images, audio, video, and software (“Proprietary Content”), is the exclusive property of Sygnus or its content suppliers and is protected under the intellectual property laws of Puerto Rico, and international conventions.
  1. You are granted a limited, revocable, non-exclusive, non-transferable license to access and use the Site and its content solely for lawful personal or informational purposes. Except as otherwise expressly permitted, you may not reproduce, publish, modify, copy, upload, post, transmit, distribute, or create derivative works from any portion of the Site without Sygnus’ prior written consent.
  1. You agree not to remove or alter any copyright, trademark, or other proprietary rights notices from any materials accessed through the Site. The use of any part of the Site for commercial purposes without express authorization constitutes a breach of these Terms and may violate applicable intellectual property laws.
  1. Misuse of the Site, including through data mining, automated extraction, framing, or mirroring without consent, is strictly prohibited. Sygnus reserves the right to pursue all available legal remedies for any violation of its intellectual property or unauthorized use of the Site.
  1. Services Offered by Sygnus
  1. Sygnus provides a range of financial services and investment solutions tailored to individual, institutional, and corporate clients, subject to applicable regulations in the territories in which it operates. These services may include private credit, asset management, real estate financing, investment advisory, and capital markets solutions.
  1. The description of services on this Site does not constitute a binding offer, and availability may vary depending on local legal requirements. Certain services may only be provided under formal engagement agreements and may be subject to eligibility requirements or regulatory approvals.
  1. Sygnus reserves the right to modify, suspend, or withdraw any service listed on the Site without notice. Users are encouraged to contact Sygnus directly for detailed service information and to determine whether a specific service is available and appropriate based on their circumstances and jurisdiction.
  1. Cookies and Tracking Technologies
  1. By using the Site, you consent to the placement and use of cookies in accordance with our Privacy Policy. Users have the ability to manage cookie preferences through browser settings and may opt out of certain tracking technologies. Please note, however, that disabling cookies may affect the functionality of the Site.
  1. Sygnus adheres to data privacy laws in all jurisdictions in which it operates, including relevant Puerto Rican legislation. All data collected through tracking mechanisms is handled in a secure and confidential manner.
  1. Links to Third-Party Websites
  1. This Site may contain links to third-party websites for your convenience. These links are provided solely as a resource and do not imply endorsement, approval, or control by Sygnus. We are not responsible for the content, accuracy, or security of external websites and disclaim all liability in connection with your use of such sites.
  1. You acknowledge that when you leave our Site, your use of third-party sites is governed by their respective terms of use and privacy policies. Sygnus recommends reviewing such policies before engaging with any external platforms.
  1. Links to Sygnus from Other Websites
    1. No person or entity may link to this Site without prior written authorization from Sygnus. Unauthorized linking, framing, or embedding of content from this Site is strictly prohibited.
  1. Requests to link to this Site must be submitted in writing and include the requesting party’s name, contact information, and the nature and context of the intended use. Sygnus reserves the right to grant or deny link requests at its discretion and may revoke linking privileges at any time without notice.

9. Indemnification

  1. You agree to defend, indemnify, and hold harmless Sygnus, its affiliates, officers, directors, employees, agents, and licensors from and against any and all claims, actions, liabilities, losses, damages, judgments, costs, and expenses (including legal fees) arising from your use or misuse of the Site, breach of these Terms, or infringement of any intellectual property or other rights.
  1. This indemnification obligation will survive the termination of your use of the Site and any applicable services.
  1. Amendments to Terms
  1. Sygnus reserves the right to modify these Terms at any time. Changes become effective immediately upon posting on the Site. Your continued use of the Site following the posting of revised Terms constitutes your acceptance of such changes.
  1. Where material modifications are made, Sygnus may notify users by means deemed appropriate, which may include email notifications or prominent announcements on the Site.
  1. Privacy Policy
  1. Your use of the Site is also governed by Sygnus’ Privacy Policy, which outlines how your personal information is collected, used, and safeguarded in accordance with privacy laws in Puerto Rico, and other relevant jurisdictions.
  1. We encourage all users to review our Privacy Policy, which is available at www.sygnusgroup.com/privacy-policy, for further information about how we handle personal data.
  1. Governing Law and Jurisdiction
  1. These Terms shall be governed by and construed in accordance with the laws of Puerto Rico, without regard to its conflict of law principles, with respect to users and transactions originating from Puerto Rico. Any dispute, controversy, or claim arising out of or relating to these Terms or the use of the Site by Puerto Rican residents shall be submitted exclusively to the courts of Puerto Rico, and each party hereby irrevocably submits to the exclusive jurisdiction of such courts.
  1. For users accessing the Site from Puerto Rico, these Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Puerto Rico. Any dispute, controversy, or claim arising out of or relating to these Terms or the use of the Site by Puerto Rican residents shall be submitted exclusively to the courts of Puerto Rico, and each party hereby irrevocably submits to the exclusive jurisdiction of such courts.
  1. Contact Us
  1. For inquiries regarding these Terms or other matters related to the Site, you may contact:

Sygnus Capital PR LLC
Metro Office Park, Valencia Building 17, Street 2, 

Suite 640, Guaynabo, PR

Email: info@sygnusgroup.com

  1. These Terms, together with the Privacy Policy and any other legal notices published by Sygnus on the Site, constitute the entire agreement between you and Sygnus regarding the use of the Site. They supersede any prior agreements, understandings, or representations, whether oral or written.

If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, that provision shall be modified to the extent necessary to make it enforceable, or if such modification is not possible, then it shall be severed from these Terms. The remaining provisions shall remain in full force and effect.