Terms & Conditions

These Terms and Conditions, together with any documents expressly incorporated by reference, govern your access to and use of aagresearch.com and any related websites, webpages, landing pages, newsletters, email communications, digital content, reports, research notes, articles, videos, charts, dashboards, communities, subscriptions, products, services, and other materials made available by or on behalf of AAG Research, a commercial name operated by MATICA, SLU, an Andorran company with NRT L-720844-F, represented by Alberto Álvarez González.

For clarity, MATICA, SLU, AAG Research, we, us, and our refer to the operator of the Website and Services. User, you, and your refer to any person or entity accessing or using the Website or Services.

By accessing the Website, creating an account, subscribing to a newsletter, purchasing a subscription, downloading content, viewing our materials, interacting with our communications, or otherwise using the Services, you confirm that you have read, understood, and agree to be legally bound by these Terms.

If you do not agree to these Terms, you must not access or use the Website or Services.

‍1. Important Legal Notice

‍AAG Research provides financial education, market commentary, research-style content, and general information only. The Services are not intended to constitute, and must not be interpreted as, investment advice, financial advice, tax advice, legal advice, accounting advice, portfolio management, brokerage services, investment recommendations tailored to you, or an offer, solicitation, invitation, inducement, or recommendation to buy, sell, hold, subscribe for, exchange, redeem, short, lend, borrow, or otherwise transact in any financial instrument, security, derivative, commodity, cryptocurrency, digital asset, foreign exchange product, contract for difference, structured product, or other asset.Nothing on the Website or in the Services is personalized to your financial situation, objectives, risk tolerance, investment experience, knowledge, time horizon, liquidity needs, tax position, legal circumstances, or suitability profile. You are solely responsible for your own investment and trading decisions.You should consult an appropriately qualified, licensed, and regulated financial adviser, tax adviser, legal adviser, or other professional before making any financial, investment, trading, tax, legal, or business decision.

‍2. Company Information & Governing Law

‍The Website and Services are operated by:

‍MATICA, SLU, trading as AAG Research
‍NRT: L-720844-F
‍Representative: Alberto Álvarez González
‍Website: https://aagresearch.com
‍Contact Email: legal@aagresearch.com

These Terms, your access to the Services, and all contractual or non-contractual relationships arising from them are governed exclusively by the laws of the Principality of Andorra. Any dispute or claim shall be subject to the exclusive jurisdiction of the competent courts of the Principality of Andorra.

‍3. Scope of These Terms

‍These Terms apply to all users of the Website and Services, including visitors, free newsletter subscribers, paid subscribers, purchasers, account holders, trial users, corporate users, affiliates, contributors, and any person who accesses our content through the Website, email, social media, third-party platforms, private links, shared accounts, or any other channel.Additional terms may apply to specific products, subscription plans, offers, communities, promotions, payment processors, third-party platforms, or partner services. If additional terms apply, they will be presented to you or made available at the relevant point of use or purchase. If there is a conflict between these Terms and any product-specific terms, the product-specific terms will control only for that specific product or service.

‍4. Eligibility

‍You may use the Services only if you:are at least 18 years old, or the age of legal majority in your jurisdiction, whichever is higher;have full legal capacity to enter into binding contracts;are not prohibited from using the Services under applicable law;are not located in a jurisdiction where access to the Services is unlawful;are not subject to sanctions, embargoes, or other restrictions that would prohibit us from providing the Services to you; andagree to comply with these Terms and all applicable laws.By using the Services, you represent and warrant that you satisfy the above conditions.We may refuse, suspend, restrict, or terminate access to the Services where we reasonably believe a user is ineligible, acting unlawfully, violating these Terms, misusing the Services, or creating legal, regulatory, security, operational, reputational, or commercial risk.

‍5. Nature of the Services

‍AAG Research may provide some or all of the following:free and paid financial newsletters;educational articles, reports, and market commentary;chart analysis, technical analysis, macro commentary, and sector commentary;watchlists, trade ideas, model scenarios, or educational case studies;commentary on stocks, ETFs, options, futures, commodities, currencies, cryptoassets, digital assets, indexes, interest rates, macroeconomic data, and other markets;email updates and publication alerts;access to paid research archives or subscriber-only materials;video, audio, webinar, or community content;downloadable materials, templates, and educational resources; andother related information products or services.The Services may change over time. We may add, remove, modify, suspend, or discontinue any part of the Services at any time, subject to applicable consumer law and any contractual rights you may have for paid Services already purchased.

‍6. No Investment Advice, No Financial Advice, No Fiduciary Relationship

‍The Services are provided for general informational and educational purposes only. They do not take into account your personal circumstances and are not designed to be a substitute for professional advice.We do not:provide individualized investment advice;provide regulated financial advice;provide portfolio management;provide brokerage, dealing, execution, custody, or exchange services;hold client funds or client assets;manage money for users;recommend that any investment is suitable for any particular person;guarantee returns, results, outcomes, profits, or loss avoidance;act as your fiduciary, investment adviser, broker, dealer, agent, trustee, or representative; ormake investment decisions on your behalf.No communication from us creates a fiduciary, advisory, professional, agency, partnership, employment, trustee, or client relationship between you and us.You acknowledge that any market opinion, price level, thesis, example, chart, scenario, or trade idea is general in nature and may be speculative, incomplete, delayed, inaccurate, outdated, or unsuitable for you.

‍7. Financial Risk Warning

‍Trading and investing involve substantial risk. You may lose some or all of your capital. Certain products, including derivatives, leveraged products, margin trading, options, futures, contracts for difference, foreign exchange, cryptocurrencies, digital assets, small-cap securities, illiquid securities, and volatile securities, involve a high risk of loss and may not be suitable for all persons.Past performance is not a reliable indicator of future results. Historical examples, backtests, hypothetical results, model portfolios, simulated performance, chart patterns, and market commentary do not guarantee future performance.Markets can move quickly. Prices, spreads, liquidity, volatility, correlations, economic conditions, regulation, tax treatment, and execution conditions can change without notice. You are solely responsible for evaluating the risks of any financial decision.You should never trade or invest money that you cannot afford to lose.

‍8. No Offer, Solicitation, or Recommendation

‍Nothing in the Services constitutes an offer, solicitation, invitation, inducement, promotion, underwriting, distribution, placement, or recommendation to buy, sell, hold, subscribe for, exchange, redeem, short, lend, borrow, or otherwise transact in any financial instrument, investment product, cryptocurrency, token, digital asset, or other asset.Any reference to a financial instrument, issuer, asset, sector, market, strategy, or transaction is provided for educational and informational purposes only. Such references should not be treated as a recommendation, endorsement, or opinion that any action is suitable, appropriate, profitable, safe, or lawful for you.

‍9. Investment Recommendations and Market Abuse Compliance

‍Some content may discuss specific issuers, securities, financial instruments, cryptoassets, sectors, themes, price levels, market scenarios, or investment strategies. Where required by applicable law, we may identify content that is intended to constitute an investment recommendation, marketing communication, research-style commentary, educational commentary, or other category of communication.Where applicable, we will seek to present facts clearly, distinguish facts from opinions, disclose material interests or conflicts where required, and avoid misleading presentation. However, you acknowledge that market commentary is inherently uncertain and may change without notice.You must not use the Services for market manipulation, insider dealing, unlawful disclosure of inside information, front-running, pump-and-dump activity, coordinated trading abuse, dissemination of false or misleading information, or any other unlawful market conduct.You agree not to republish, quote, edit, modify, summarize, distribute, or amplify our content in a way that is misleading, removes important risk warnings, misrepresents our views, creates false urgency, or suggests that AAG Research is recommending a transaction to any person.

‍10. Conflicts of Interest and Positions

‍AAG Research, MATICA, SLU, its representatives, owners, employees, contractors, contributors, affiliates, or related persons may hold, buy, sell, trade, or otherwise have interests in securities, financial instruments, cryptoassets, digital assets, currencies, commodities, or other assets discussed in the Services.Such interests may create actual, potential, or perceived conflicts of interest. We may publish content about assets in which we have a financial interest. We may change our views, holdings, exposure, or strategies at any time without notice and without updating prior content.Where required by applicable law or where we consider it appropriate, we may disclose relevant positions, relationships, compensation, sponsorships, affiliate arrangements, or other conflicts. The absence of a disclosure should not be interpreted as confirmation that no conflict exists.You are responsible for conducting your own independent analysis.

‍11. Accuracy, Timeliness, and No Duty to Update

‍We aim to provide useful and reasonable information, but we do not guarantee that any content is accurate, complete, current, reliable, error-free, suitable, or available.Market data, prices, charts, news, filings, estimates, economic data, third-party information, and other inputs may be delayed, inaccurate, incomplete, revised, or unavailable. Any forward-looking views, projections, estimates, scenarios, or opinions are inherently uncertain and may prove wrong.Content may become outdated quickly. Unless expressly stated otherwise, we have no obligation to update, correct, revise, or remove any content after publication.You should verify all information independently before relying on it.

‍12. No Regulatory Status Representation

‍Unless expressly stated in writing, AAG Research and MATICA, SLU do not represent that they are registered, licensed, authorized, approved, or regulated as an investment firm, broker-dealer, investment adviser, portfolio manager, financial adviser, research provider, fund manager, exchange, custodian, payment institution, electronic money institution, cryptoasset service provider, or similar regulated entity in Andorra, the European Union, the European Economic Area, the United Kingdom, the United States, Canada, or any other jurisdiction.The Services are intended to provide financial education and general market commentary only. If any part of the Services becomes subject to licensing, registration, disclosure, authorization, or other regulatory requirements in a particular jurisdiction, we may restrict, modify, or discontinue access in that jurisdiction.

‍13. Jurisdictional Restrictions

‍The Services are controlled and operated from Andorra. We make no representation that the Services are appropriate, lawful, or available in any particular jurisdiction.You are responsible for ensuring that your access to and use of the Services complies with all laws, regulations, rules, orders, restrictions, sanctions, tax obligations, and professional obligations applicable to you.We may restrict access to the Services from any jurisdiction, user, IP address, payment method, domain, or account where we reasonably believe access may create legal, regulatory, financial, operational, security, or reputational risk.

‍14. Accounts and Security

‍To access certain Services, you may be required to create an account, provide registration information, verify your email address, select a password, or use a third-party login or subscription platform.You agree to provide accurate, complete, and current information and to keep it updated. You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account.You must notify us promptly if you believe your account has been compromised or used without authorization.We are not responsible for losses arising from your failure to secure your account, device, email, password, payment method, or third-party platform access.

‍15. Subscriptions, Purchases, and Payment Terms

Certain Services are offered via paid recurring subscriptions or one-time premium purchases. All prices are displayed at checkout in the indicated currency and are exclusive of applicable transaction fees or local taxes unless stated otherwise.By submitting your payment information, you authorize us and our designated third-party payment processors to charge all accrued fees to your selected payment method. Access to paid tiers begins immediately upon successful payment authorization. If payment fails or a chargeback is initiated, we reserve the right to suspend or terminate your access immediately without liability.

‍16. Automatic Renewal

All subscription plans operate on an automatic renewal basis. Your subscription will automatically renew at the end of each billing cycle (e.g., monthly, quarterly, or annually) at the then-current standard rate, unless you cancel it before the renewal date. You explicitly authorize our third-party payment processors to charge your stored payment method securely for these recurring fees.

‍17. Cancellation

You may cancel your subscription at any time directly through your account dashboard, via your payment portal management options, or by contacting our support team at legal@aagresearch.com.To avoid being charged for the subsequent billing cycle, cancellation requests must be processed before your scheduled renewal date. Upon cancellation, you will retain access to the paid components of the Services until the conclusion of your current paid billing period. Cancellations do not retroactively entitle you to a refund for fractions of an active billing cycle.

‍18. Consumer Right of Withdrawal and Digital Content Waiver

‍If you are a consumer located in a jurisdiction that provides a statutory right of withdrawal for distance contracts, you may have the right to withdraw from certain purchases within the legally required withdrawal period.However, where permitted by applicable law, you acknowledge and agree that your right of withdrawal may be lost, limited, or unavailable where:the Service is digital content not supplied on a tangible medium;the Service begins immediately after purchase;you expressly consent to immediate access or performance before the withdrawal period expires;you acknowledge that by receiving immediate access you may lose your statutory right of withdrawal; oranother legal exception applies.At checkout, we may ask you to provide express consent to immediate delivery of digital content and acknowledgement that you lose the right of withdrawal once access begins. If you do not provide that consent, we may delay access until the withdrawal period expires or refuse to provide the Service.Nothing in these Terms limits any mandatory consumer rights that cannot legally be excluded.

‍19. Refund Policy

‍Unless required by applicable law or expressly stated otherwise at checkout, all purchases are final and non-refundable once access to the digital content or paid Service has begun.We may, at our sole discretion, issue refunds, credits, extensions, or other accommodations. Any discretionary refund or accommodation does not create a future obligation to provide similar treatment.Refunds may be denied where:digital content has already been accessed or delivered;the user failed to cancel before renewal;the user breached these Terms;the request is abusive, fraudulent, excessive, or made in bad faith;the user downloaded, copied, scraped, shared, or misused content;the payment is subject to chargeback or dispute; orapplicable law permits refusal.Where a refund is legally required, we will process it using the original payment method unless another method is required or agreed.

‍20. Taxes

‍You are responsible for any applicable taxes, duties, levies, withholding, VAT, IGI, sales tax, digital services tax, or other government charges arising from your purchase or use of the Services.Where required, taxes may be calculated and collected at checkout. Tax treatment may depend on your location, status, billing information, and applicable law.You agree to provide accurate billing, tax, and location information. We may suspend or cancel access if we reasonably believe billing or tax information is false, incomplete, or misleading.

‍21. Acceptable Use

‍You agree not to:use the Services for unlawful, fraudulent, abusive, deceptive, harmful, or unauthorized purposes;violate any applicable financial, securities, market abuse, consumer protection, data protection, intellectual property, tax, sanctions, export control, or communications law;copy, reproduce, distribute, resell, sublicense, rent, lease, publish, scrape, crawl, mine, index, mirror, frame, or commercially exploit the Services without written permission;share paid content with non-subscribers;share login credentials or allow multiple users to access one individual account;use bots, crawlers, scrapers, automated tools, AI extraction tools, bulk download tools, or data-mining systems without authorization;reverse engineer, bypass, disable, overload, damage, interfere with, or compromise the Website or Services;remove copyright, trademark, risk, disclaimer, attribution, or proprietary notices;misrepresent your identity, affiliation, authorization, or location;impersonate AAG Research, MATICA, SLU, our representatives, or any other person;upload or transmit malware, malicious code, spam, phishing content, or harmful material;harass, threaten, defame, abuse, or violate the rights of others;use the Services to create competing products, datasets, newsletters, trading signals, research services, AI models, or commercial databases;use the Services for market manipulation, pump-and-dump schemes, insider dealing, unlawful disclosure of inside information, or other market abuse;use the Services in a way that may expose us to legal, regulatory, financial, operational, security, or reputational risk; orassist, encourage, or enable any third party to do any of the above.Violation of this section may result in immediate suspension or termination without refund and may lead to legal action.

‍22. Intellectual Property

‍Unless otherwise stated, all content, materials, designs, text, graphics, logos, marks, names, charts, data compilations, reports, newsletters, videos, audio, templates, downloads, layouts, software, source code, interfaces, trade dress, know-how, databases, methodologies, and other materials made available through the Services are owned by or licensed to MATICA, SLU and/or AAG Research and are protected by copyright, trademark, database, trade secret, unfair competition, and other intellectual property laws.Subject to your compliance with these Terms and payment of applicable fees, we grant you a limited, personal, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Services for your own personal, non-commercial educational use only.No rights are granted except as expressly stated in these Terms.

‍23. Restrictions on Use of Content

‍You must not, without our prior written consent:republish, repost, syndicate, distribute, forward, sell, sublicense, or commercially exploit our content;upload our content to social media, forums, groups, Discord, Telegram, WhatsApp, Slack, Reddit, Substack, YouTube, X, LinkedIn, or other platforms;share paid materials with third parties;create summaries, derivative works, datasets, prompt libraries, competing newsletters, trading services, signal services, or research products based on our content;use our content to train, fine-tune, validate, benchmark, or improve artificial intelligence, machine learning, language models, or automated trading systems;remove disclaimers, risk warnings, source notices, attribution, or copyright notices;present our content as your own;modify content in a way that changes its meaning or risk profile;use screenshots, excerpts, or quotations in a misleading manner; oruse our content for any unlawful or regulated activity.Limited quoting may be permitted where allowed by applicable law, provided that it is fair, accurate, non-misleading, properly attributed, non-commercial, and does not substitute for the original content.

‍24. Trademarks

‍“AAG Research,” “MATICA,” the AAG Research name, logos, marks, trade names, product names, slogans, designs, and brand elements are trademarks or protected identifiers of MATICA, SLU or its licensors.You may not use our trademarks, logos, names, or branding without prior written permission, including in a manner that suggests affiliation, sponsorship, endorsement, approval, partnership, or authorization.

‍25. User Content

‍The Services may allow users to submit comments, messages, replies, feedback, testimonials, reviews, questions, community posts, or other content.You are solely responsible for any content you submit. You represent and warrant that your user content:is accurate to the best of your knowledge;does not violate any law;does not infringe any intellectual property, privacy, publicity, confidentiality, contractual, or other rights;is not defamatory, abusive, hateful, obscene, misleading, fraudulent, spam, or unlawful;does not contain investment advice, unlawful recommendations, inside information, market manipulation, or promotional claims that violate applicable law; anddoes not contain malware, harmful code, or unauthorized advertising.By submitting user content, you grant us a worldwide, royalty-free, non-exclusive, transferable, sublicensable license to use, host, store, reproduce, edit, modify, publish, translate, display, distribute, and create derivative works from such content for the purpose of operating, improving, protecting, marketing, and promoting the Services.We may moderate, remove, edit, restrict, or refuse user content at any time, with or without notice.

‍26. Testimonials and Results

‍Testimonials, reviews, case studies, user comments, performance examples, or success stories may not be representative of typical results. They do not guarantee that you will achieve similar outcomes.Any financial, trading, investment, educational, business, or personal outcome depends on many factors beyond our control, including market conditions, user decisions, timing, risk management, experience, discipline, capital, fees, taxes, tools, execution, and external events.

‍27. Third-Party Content, Links, Data, and Platforms

‍The Services may contain links to third-party websites, tools, platforms, payment processors, data providers, brokers, exchanges, charting providers, newsletters, social media platforms, embedded content, APIs, videos, or other resources.We do not control and are not responsible for third-party content, policies, accuracy, security, availability, products, services, fees, practices, or losses. Links do not imply endorsement, sponsorship, approval, recommendation, or responsibility.Your use of third-party services is at your own risk and may be governed by separate terms and privacy policies.

‍28. Affiliate Links, Sponsorships, and Commercial Relationships

‍Some links, references, promotions, or recommendations may be affiliate links, sponsored content, referral arrangements, advertising relationships, or other commercial partnerships. We may receive compensation if you click a link, subscribe, register, purchase, or take another action.Any such compensation may create a conflict of interest. We will seek to disclose commercial relationships where required by applicable law or where we believe disclosure is appropriate.You should independently evaluate all third-party products and services before using them.

‍29. Email Communications and Marketing

‍By subscribing, creating an account, purchasing, downloading materials, or otherwise providing your email address, you agree that we may send you transactional, administrative, service-related, and legal communications.Where permitted by law and subject to your consent where required, we may also send newsletters, marketing emails, educational content, product updates, promotional offers, and other communications.You may unsubscribe from marketing emails using the unsubscribe link provided in such emails. Unsubscribing from marketing communications may not stop transactional, legal, account, billing, or service-related messages.

‍30. Privacy and Data Protection

‍Your use of the Services is also governed by our Privacy Policy and Cookie Policy, which explain how we collect, use, store, disclose, protect, and process personal data.We operate from Andorra and may process personal data in accordance with applicable Andorran data protection law, EU/EEA data protection principles where applicable, and other laws that may apply depending on your location.Where we process personal data of individuals in the European Union or European Economic Area, additional GDPR-related obligations may apply depending on the context, including transparency, lawful basis, data subject rights, international transfer safeguards, processor obligations, security measures, and retention principles.You must not use the Services to upload, transmit, or disclose personal data of another person unless you have a lawful basis and all required notices, consents, and authorizations.

‍31. Cookies and Similar Technologies

‍The Website may use cookies, pixels, tags, local storage, analytics tools, advertising technologies, and similar technologies to operate the Website, remember preferences, measure performance, improve user experience, analyze traffic, support marketing, and perform security functions.Where required by law, non-essential cookies and similar technologies will be used only with your consent. You may manage cookie preferences through our cookie banner, browser settings, or other tools provided on the Website.For more information, please review our Cookie Policy.

‍32. Artificial Intelligence and Automated Tools

‍We may use artificial intelligence, automation, software tools, analytics tools, or third-party systems to assist with content drafting, editing, research workflows, customer support, analytics, operations, fraud prevention, or service improvement.AI-assisted content may contain errors, omissions, or outdated information. All financial content remains subject to the disclaimers in these Terms.You must not use automated systems, scraping tools, AI agents, or data extraction tools to access, copy, summarize, monitor, train on, or reproduce the Services without our written permission.

‍33. Availability and Changes to the Services

‍We do not guarantee that the Website or Services will be available uninterrupted, secure, timely, error-free, or compatible with your device, software, browser, network, or jurisdiction.We may suspend, restrict, modify, or discontinue any part of the Services for maintenance, updates, security, legal compliance, business reasons, force majeure, third-party failures, payment issues, or suspected misuse.We are not liable for downtime, delays, data loss, access issues, service changes, or unavailability, except where liability cannot legally be excluded.

‍34. Termination and Suspension

‍We may suspend, restrict, or terminate your access to the Services at any time if we reasonably believe that:you violated these Terms;your payment failed or was disputed;you shared, copied, scraped, resold, or misused content;you provided false, incomplete, or misleading information;your use creates legal, regulatory, security, operational, financial, reputational, or commercial risk;you engaged in abusive, fraudulent, unlawful, or harmful conduct;required by law, court order, regulator, payment processor, platform, or competent authority; orcontinued access is no longer commercially or legally viable.Termination may result in loss of access to accounts, subscriptions, content, archives, community areas, and downloaded materials. You remain responsible for amounts due before termination.Sections intended to survive termination will remain in effect, including intellectual property, restrictions, disclaimers, limitation of liability, indemnity, governing law, dispute resolution, and payment obligations.

‍35. Disclaimers

‍To the maximum extent permitted by applicable law, the Website and Services are provided on an “as is,” “as available,” and “with all faults” basis.We disclaim all warranties, representations, guarantees, and conditions, whether express, implied, statutory, or otherwise, including warranties of accuracy, completeness, timeliness, reliability, availability, merchantability, fitness for a particular purpose, title, non-infringement, quiet enjoyment, suitability, profitability, compliance, and uninterrupted or error-free operation.We do not warrant that:the Services will meet your expectations or requirements;the Services will be accurate, complete, current, secure, uninterrupted, or error-free;any market analysis, thesis, opinion, or scenario will be correct;any financial result, investment result, trading result, business result, or educational result will be achieved;defects will be corrected;the Website or servers are free from viruses or harmful components; orthird-party data, tools, platforms, or links are accurate, safe, or available.Nothing in these Terms excludes warranties, rights, or remedies that cannot be excluded under mandatory law.

‍36. Limitation of Liability

‍To the maximum extent permitted by applicable law, MATICA, SLU, AAG Research, and their representatives, owners, directors, officers, employees, contractors, contributors, affiliates, licensors, service providers, and agents shall not be liable for any indirect, incidental, special, consequential, exemplary, punitive, or similar damages, including loss of profits, trading losses, investment losses, loss of opportunity, loss of revenue, loss of goodwill, loss of data, loss of business, reputational harm, business interruption, or cost of substitute services, whether arising in contract, tort, negligence, strict liability, statutory duty, misrepresentation, or otherwise.To the maximum extent permitted by applicable law, our total aggregate liability for all claims arising out of or relating to the Services or these Terms shall not exceed the greater of:the amount you paid to us for the specific paid Service giving rise to the claim during the three months immediately preceding the event giving rise to liability; orEUR 100.The above limitations apply even if we were advised of the possibility of such damages and even if a remedy fails of its essential purpose.Nothing in these Terms limits or excludes liability where such limitation or exclusion is prohibited by applicable law, including liability for fraud, fraudulent misrepresentation, intentional misconduct, or other non-excludable liability.

‍37. Indemnity

‍To the maximum extent permitted by applicable law, you agree to indemnify, defend, and hold harmless MATICA, SLU, AAG Research, and their representatives, owners, directors, officers, employees, contractors, contributors, affiliates, licensors, service providers, and agents from and against any claims, demands, proceedings, damages, losses, liabilities, costs, and expenses, including reasonable legal fees, arising out of or related to:your access to or use of the Services;your breach of these Terms;your violation of applicable law;your investment, trading, financial, tax, legal, or business decisions;your user content;your infringement or misappropriation of any third-party rights;your misuse, copying, sharing, scraping, resale, or unauthorized distribution of content;your use of third-party services, brokers, exchanges, platforms, or tools; orany claim brought by a third party arising from your conduct.We reserve the right to assume exclusive defense and control of any matter subject to indemnification. You agree to cooperate with our defense of such claims.

‍38. Consumer Rights

‍If you are a consumer, nothing in these Terms is intended to deprive you of any mandatory consumer rights that cannot be waived or limited under applicable law.If any provision of these Terms is found to be unfair, invalid, or unenforceable against a consumer under applicable law, that provision shall be interpreted, limited, or severed to the minimum extent necessary, while the remaining provisions continue in effect.

‍39. Complaints and Customer Support

‍If you have a complaint, question, cancellation request, refund request, legal notice, or support issue, contact us at:

‍Email: legal@aagresearch.com

Website: https://aagresearch.com

Postal Address: [Insert registered address]

Please include your name, account email, order number if applicable, a clear description of the issue, and any relevant supporting information.We will make reasonable efforts to respond within a reasonable period, subject to the complexity of the issue, applicable law, and operational capacity.

‍40. Notices

‍We may provide notices by email, Website posting, account notification, platform notification, invoice notice, or other reasonable means.You agree that electronic notices satisfy any legal requirement that such communications be in writing, to the extent permitted by law.You are responsible for keeping your contact information current and for monitoring notices sent to your registered email address.

‍41. Changes to These Terms

‍We may update these Terms from time to time for legal, regulatory, operational, security, commercial, or service-related reasons.When we make material changes, we may provide notice by posting the updated Terms on the Website, updating the “Last Updated” date, sending an email, displaying a notice, or using another reasonable method.The version of the Terms in effect at the time of your purchase will normally govern that purchase, except where changes are required by law, regulation, security, fraud prevention, or urgent operational reasons.Your continued use of the Services after updated Terms become effective constitutes acceptance of the updated Terms. If you do not agree to updated Terms, you must stop using the Services and cancel any subscription where applicable.

‍42. Assignment

‍You may not assign, transfer, delegate, or sublicense your rights or obligations under these Terms without our prior written consent.We may assign, transfer, delegate, subcontract, or sublicense our rights and obligations under these Terms in connection with a merger, acquisition, restructuring, sale of assets, change of control, corporate reorganization, service provider arrangement, or by operation of law, provided that mandatory consumer rights are respected.

‍43. Force Majeure

‍We shall not be liable for any delay, failure, interruption, or inability to perform caused by events beyond our reasonable control, including natural disasters, war, terrorism, civil unrest, strikes, labor disputes, pandemics, epidemics, government action, regulatory action, power failures, internet failures, cyberattacks, payment processor failures, third-party platform failures, market closures, exchange outages, data provider failures, technical failures, or other force majeure events.

‍44. Severability

‍If any provision of these Terms is held to be invalid, illegal, unfair, or unenforceable, that provision shall be interpreted, modified, limited, or severed to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

‍45. No Waiver

‍Our failure or delay in enforcing any provision of these Terms shall not constitute a waiver of that provision or any other provision. Any waiver must be in writing and signed by us to be effective.

‍46. Entire Agreement

‍These Terms, together with the Privacy Policy, Cookie Policy, Refund Policy if separate, any checkout terms, and any product-specific terms expressly incorporated by reference, constitute the entire agreement between you and us regarding the Services and supersede all prior or contemporaneous communications, understandings, proposals, representations, or agreements regarding the Services.

‍47. Governing Law

‍These Terms and any dispute, claim, or controversy arising out of or relating to the Website, Services, content, subscriptions, purchases, or these Terms shall be governed by the laws of the Principality of Andorra, without prejudice to any mandatory consumer protection laws that may apply in your country of habitual residence.

‍48. Jurisdiction and Dispute Resolution

‍Subject to any mandatory consumer rights or jurisdictional rules that cannot be waived, the courts of the Principality of Andorra shall have exclusive jurisdiction over any dispute, claim, or controversy arising out of or relating to these Terms, the Website, the Services, subscriptions, purchases, or content.Before bringing a formal claim, you agree to contact us first and attempt to resolve the dispute informally. We will attempt in good faith to resolve the matter within a reasonable period.Nothing in this section prevents either party from seeking urgent injunctive, equitable, or protective relief where necessary to protect intellectual property, confidential information, security, systems, users, legal compliance, or other urgent interests.

‍49. Language

‍These Terms may be made available in multiple languages. Unless required otherwise by applicable law, the English version shall control in the event of inconsistency between versions.If the Website targets consumers in Andorra, Spain, France, or other jurisdictions, additional local-language versions or legally required consumer information may be provided where appropriate.

‍50. Contact

‍For questions about these Terms, contact:

‍AAG Research / MATICA, SLU

NRT: L-720844-F

Representative: Alberto Álvarez González

Website: https://aagresearch.com

Email: legal@aagresearch.com

Registered Address: Passatge Arnaldeta de Caboet 11, Edif. La Torre, 2-1. AD700, Escaldes-Engordany. Andorra