Terms of Service

1. Introduction

These Terms of Service ("Terms") govern your use of the Fränkel-de Cuba Capital Advisory platform ("Platform") operated by Fränkel-de Cuba Capital Advisory ("FDC", "we", "us"). By creating an account, you agree to be bound by these Terms.

2. Services Provided

FDC provides credit advisory services, specifically:

• Assessment of your financial position for credit eligibility
• Preparation of loan proposals for submission to partner financial institutions in Aruba
• Tracking and management of your credit applications through our Platform
• Document management for required financial and identity documentation

FDC acts as an intermediary between you and financial institutions. We do not lend money directly, nor do we guarantee approval of any loan application.

3. Your Account

When you create an account, you agree to:

• Provide accurate and complete personal information
• Keep your login credentials secure and confidential
• Notify us immediately of any unauthorized access to your account
• Accept responsibility for all activity under your account

We reserve the right to suspend or terminate accounts that violate these Terms or provide false information.

4. Your Responsibilities

As a client of FDC, you agree to:

• Provide accurate, truthful, and complete financial information
• Ensure all uploaded documents are authentic and unaltered
• Promptly inform us of any changes to your financial circumstances that may affect your application
• Not use the Platform for any unlawful purpose, including but not limited to money laundering or fraud
• Cooperate with our Know Your Customer (KYC) and Anti-Money Laundering (AML) verification procedures

5. Our Responsibilities

FDC commits to:

• Treating all client information as strictly confidential
• Processing your data only for the purposes described in our Privacy Policy
• Exercising professional care and diligence in the preparation of credit proposals
• Maintaining appropriate technical and organizational security measures to protect your data
• Complying with all applicable laws and regulations in Aruba and the Kingdom of the Netherlands

6. Fees & Payment

FDC may charge advisory fees for credit proposal preparation. Fee amounts, payment terms, and conditions will be communicated to you before any work begins and are subject to a separate engagement agreement. Creating an account on the Platform does not by itself incur any charges.

7. Limitation of Liability

FDC provides credit advisory services only. You acknowledge and agree that:

• We do not guarantee approval of any loan or credit application by any financial institution
• The final decision on loan approval rests solely with the partner financial institution
• Our financial analysis and risk assessments are advisory in nature and do not constitute financial advice regulated under Aruba law
• FDC shall not be liable for indirect, incidental, or consequential damages arising from the use of our services
• Our total liability for any claim shall not exceed the fees paid by you to FDC in the twelve (12) months preceding the claim

8. Intellectual Property

The Platform, including its design, functionality, and content (excluding your personal data and documents), is the intellectual property of FDC. You retain full ownership of all documents and data you upload to the Platform.

9. Data Processing & Privacy

Your personal data is processed in accordance with our Privacy Policy, which forms an integral part of these Terms. By using our Platform, you consent to the collection, use, and processing of your personal data as described in the Privacy Policy.

10. Account Termination

You may request account deletion at any time by contacting us at info@frankeldecuba.com or using the account deletion feature on the Platform. Upon deletion:

• Your account and personal data will be permanently removed
• All uploaded documents will be deleted from our systems
• Records required by law (financial records, audit logs) may be retained for the mandatory retention period of 7 years

FDC may terminate your account if you breach these Terms, provide false information, or if required by law.

11. Governing Law & Jurisdiction

These Terms are governed by the laws of Aruba, Kingdom of the Netherlands. Any disputes arising from or related to these Terms or our services shall be submitted to the competent court in Aruba (Gerecht in Eerste Aanleg van Aruba).

12. Changes to These Terms

We may update these Terms to reflect changes in our services or legal requirements. We will notify registered users by email of any material changes at least 30 days before they take effect. Continued use of the Platform after changes take effect constitutes acceptance of the updated Terms.

13. Contact

For questions about these Terms, contact: