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Terms of Use

Effective November 2011

Welcome to the PYMES Financial Partners, Inc.’s (“PYMES”) website (the “Site”). This Site is operated by PYMES, a Puerto Rico non-profit corporation with offices in San Juan, Puerto Rico. Please read these Terms of Use carefully before using this Site. By using this Site, you agree to be bound by these Terms of Use. If you do not agree to these Terms of Use, you are not authorized to access this Site. PYMES reserves the right to modify these Terms of Use at any time by posting modified Terms of Use on this Site, and your continued use of this Site thereafter will constitute agreement with such modifications.

Nature of Information and Materials.

You agree that PYMES is not engaged in rendering services or advice by providing the information and materials on this Site, and that your use of this Site does not create any commercial relationship between you and PYMES. PYMES
assumes no responsibility for any consequence relating directly or indirectly to any action or inaction you take based on the information or materials on this Site. While PYMES takes reasonable measures to keep the information on this Site accurate, complete and up-to-date, PYMES will not be responsible for any damage or loss related to the inaccuracy, incompleteness or lack of timeliness of the information.

Restrictions on Use of Materials

All materials contained on this Site, and all intellectual property rights thereto, including copyrights, trademarks, service marks, trade names and trade dress, are owned by PYMES or its affiliates. You agree not to copy, reproduce, republish, transmit, modify or distribute any of the materials contained on this Site, except for your personal, noncommercial use, absent the prior written approval of PYMES. In the event that you gain access to information not intended to be accessed by you, you agree that you will immediately notify PYMES and lawfully destroy all copies of such information in your possession.

Links to Other Sites

This Site may include links to other Internet sites that are beyond the control of PYMES. PYMES is not responsible for the content of any such site, makes no representations regarding any such site, and does not necessarily endorse or approve of the information, material, products or services contained on or accessible through any such site. You acknowledge and agree that your linking to any other site through this Site, your use of any such other site, and your use of any information, materials, products, and services offered by any such site are solely at your own risk.


The materials provided on this Site are provided “as is” and without warranty of any kind, express or implied. PYMES disclaims all express and implied warranties with regard to the information and materials contained on this Site, including
without limitation, implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Limitation of Liability

In no event shall PYMES, or any of its shareholders, officers, principals, attorneys, employees, affiliates, or contributors to this Site, be liable for any loss or injury, or any damages, whether direct, special, indirect, punitive, incidental, exemplary, consequential, or otherwise, whether based on breach of contract, tort (including negligence), product liability or otherwise, resulting from your access to or use of this Site. You hereby waive any and all such claims against PYMES, and against any of its shareholders, officers, principals, attorneys, employees, affiliates, or contributors to this Site. You agree that the limitations set forth above are fundamental elements of this agreement, and that this Site and its materials would not be provided to you absent such limitations. Some state statutes may restrict this limitation of liability.


You agree that you will not use this Site for any unlawful purpose, or for any purpose prohibited by these Terms of Use. You agree to indemnify, defend, and hold harmless PYMES, and all of its shareholders, officers, principals, attorneys, employees, affiliates, and contributors to this Site from any liability, loss, claim and/or expense (including attorneys’ reasonable fees) related to (i) your violation of these Terms of Use, and/or (ii) your use, posting or dissemination of the materials contained on this Site.


PYMES’s failure to insist upon strict enforcement of any provision of this agreement shall not be construed as a waiver of any such provision or of any right.

No Advice

The information on this Site is made available for general informational purposes only, and is not intended to constitute specific advice or to be a substitute for advice from qualified financial advisors and legal counsel. The information may not reflect recent developments in the law, may not be complete, and may not be accurate in or applicable to your jurisdiction. Because the information is general in nature and may not pertain to your specific circumstances, you should not rely on or act or refrain from acting based on any information without first obtaining advice from qualified financial advisors and legal counsel.

No Advertising or Solicitation

This Site is not intended to be an advertisement or solicitation.

Sensitive Communications

You agree that electronic mail sent by you to PYMES will not be treated as confidential; provided, however, that if you are an existing client of PYMES and you send an electronic mail to PYMES pertaining to a matter in which PYMES in engaged
on your behalf, such electronic mail may be entitled to be treated as confidential. Notwithstanding the foregoing, you acknowledge that electronic mail and the Internet are generally insecure media of communication, and PYMES cannot
guarantee the confidentiality of any electronic mail sent to or received by it or any information submitted by you to PYMES through this Site.


With respect to information submitted or collected on this Site, you accept PYMES’s privacy policy as set forth in this section. PYMES is not responsible for the privacy practices of any third party website to which this Site hyperlinks. When you use this Site, which may be hosted in part or its entirety by a third party, this Site will collect certain information indirectly and automatically (through, for example, the use of “cookies” or your “IP address”) about your activities (the “Activity Information”). PYMES uses this Activity Information for internal purposes only.

This Site is designed so that you may generally browse it without providing any personally identifiable information. Certain areas of this Site, however, may require or allow the voluntarily submission of personally identifiable information.
PYMES uses information for the purposes for which it was submitted by you to PYMES. PYMES may share your personally identifiable information with third parties, including third parties performing services for or on behalf of PYMES. Such
services may include communications, databases, event management, hosting, mailing, and marketing services.

PYMES cannot fully ensure that your personally identifiable information will not be disclosed to third parties. However, PYMES has implemented and follows appropriate technical measures to protect against the risks of unauthorized access to,
erroneous disclosure of, and unlawful interception of your personally identifiable information. You should know, however, that PYMES cannot fully eliminate such risks.

Governing Law and Forum

You agree that any dispute arising out of or in connection with this Site will be governed by the laws of the Commonwealth of Puerto Rico without reference to conflict of laws that would require the application of the laws of any other jurisdiction, and you submit to the exclusive jurisdiction and venue of the Commonwealth of Puerto Rico’s Court of First Instance, San Juan Part, located in San Juan, Puerto Rico.