Valencia Holding Group

Legal
TERMS AND CONDITIONS
TERMS AND CONDITIONS OF USE
Valencia Holding Group
Last updated: 01-01-2026
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1. Introduction and Legal Identity:
These Terms and Conditions of Use (“Terms”) govern access to and use of the websites, digital platforms, applications, portals, and online services (collectively, the “Website”) operated by Valencia Holding Group and its authorized subsidiaries, affiliates, controlled entities, brands, and business units (collectively, the “VHG Group,” “VHG,” “we,” “us,” or “our”). By accessing, browsing, or using the Website, you (“User,” “you,” or “your”) acknowledge that you have read, understood, and agreed to be legally bound by these Terms, together with any applicable policies incorporated by reference, including the Privacy Notice and Cookie Notice. If you do not agree with these Terms, you must refrain from accessing or using the Website.
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2. Scope of Applicability and Covered Entities
2.1 Covered Entities: These Terms apply to all digital properties operated by VHG, whether directly or indirectly, including but not limited to:
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Corporate and informational websites
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Investor and client portals
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Service inquiry and contact platforms
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Digital content and marketing platforms
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Any future digital services operated under the VHG ecosystem
Each subsidiary or affiliate may supplement these Terms with entity-specific conditions, provided such supplements do not contradict this master framework.
2.2 Covered Users: These Terms apply to all users, including but not limited to:
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Visitors and browsers
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Clients and prospective clients
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Investors and partners
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Contractors, suppliers, and service providers
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Any individual or legal entity interacting with VHG digitally
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3. Nature and Purpose of the Website
The Website is intended to provide:
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Corporate, institutional, and informational content
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Descriptions of services, business lines, and capabilities
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Channels for communication, inquiries, and relationship initiation
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Investor-related and strategic information (non-solicitation)
The Website does not constitute an offer, solicitation, financial advice, legal advice, investment recommendation, or binding commitment unless expressly stated in writing and executed through formal contractual instruments.
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4. Eligibility and User Representations: By using the Website, you represent and warrant that:
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You have the legal capacity to enter into binding obligations
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You are at least 18 years old or accessing under lawful authority
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Your use complies with all applicable laws and regulations
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Any information you provide is accurate, complete, and lawful
VHG reserves the right to restrict or terminate access if these representations are breached.
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5. Acceptable Use and User Obligations: Users agree to use the Website:
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Solely for lawful and legitimate purposes
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In a manner consistent with good faith, transparency, and professional standards
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Without infringing intellectual property, privacy, or contractual rights
Prohibited Conduct Includes:
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Unauthorized access, hacking, or interference
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Data scraping, reverse engineering, or automated extraction
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Uploading malicious code or harmful content
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Misrepresentation, fraud, or impersonation
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Use that disrupts operations or damages VHG’s reputation
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6. Intellectual Property Rights: All content on the Website—including text, designs, graphics, logos, trademarks, data, software, audiovisual materials, and proprietary information—is owned by or licensed to VHG and is protected under:
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United States intellectual property laws
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Colombian intellectual property regime
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Panamanian IP statutes
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Applicable international treaties and conventions
No license or right is granted except the limited, non-exclusive, revocable right to access and view the Website for its intended purpose.
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7. Confidentiality and Communications: Any non-public information transmitted through the Website may be treated as confidential, subject to applicable law and the Privacy Notice. VHG does not guarantee the confidentiality of unsolicited information and discourages submission of sensitive, confidential, or proprietary data unless expressly requested through secure channels.
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8. Third-Party Links and External Content: The Website may include links to third-party websites or services. VHG:
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Does not control or endorse third-party content
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Assumes no responsibility for external practices or policies
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Encourages users to review third-party terms independently
Access to third-party resources is at the user’s own risk.
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9. Disclaimer of Warranties: The Website is provided “as is” and “as available.”
To the fullest extent permitted by law, VHG disclaims all warranties, including:
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Accuracy, completeness, or reliability of content
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Availability or uninterrupted operation
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Fitness for a particular purpose
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Non-infringement of third-party rights
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10. Limitation of Liability: To the maximum extent allowed by applicable law, VHG shall not be liable for:
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Indirect, incidental, or consequential damages
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Loss of profits, data, or business opportunities
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Damages arising from reliance on Website content
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Unauthorized access or system failures
Nothing herein excludes liability that cannot be lawfully excluded.
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11. Data Protection and Privacy: All personal data processing is governed by the Privacy Notice, which forms an integral part of these Terms and reflects compliance with:
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U.S. privacy frameworks
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Colombian Habeas Data Law
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Panamanian data protection regulations
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International best-practice principles (including GDPR-aligned standards where applicable)
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12. Suspension and Termination: VHG reserves the right to suspend, restrict, or terminate access to the Website at any time, with or without notice, where:
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These Terms are violated
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Legal or regulatory obligations require action
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Operational or security risks arise
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13. Governing Law and Jurisdiction: These Terms shall be interpreted in accordance with:
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The laws of the United States (State of Florida),
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Without prejudice to mandatory consumer or data protection laws applicable in Colombia or Panama, where relevant.
Jurisdiction shall lie in the competent courts designated by VHG, unless mandatory law dictates otherwise.
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14. Amendments and Updates: VHG may modify these Terms at any time. Updates will be effective upon publication on the Website. Continued use constitutes acceptance of revised Terms.
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15. Severability: If any provision is deemed invalid or unenforceable, the remaining provisions shall remain in full force and effect.
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16. Contact Information: For legal, compliance, or governance inquiries related to these Terms, users may contact VHG through the official communication channels provided on the Website.
PRIVACY NOTICE
PRIVACY NOTICE
Valencia Holding Group
Last updated: 1-1-2026
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1. Introduction and Purpose: This Privacy Notice (“Notice”) describes how Valencia Holding Group and its authorized subsidiaries, affiliates, controlled entities, brands, and business units (collectively, the “VHG Group,” “VHG,” “we,” “us,” or “our”) collect, use, store, disclose, protect, and otherwise process personal data obtained through our websites, digital platforms, applications, communication channels, and online services (collectively, the “Digital Platforms”).
This Notice is issued in accordance with applicable data protection and privacy laws in the jurisdictions in which VHG operates, including the United States, Colombia, and Panama, and reflects internationally recognized best practices for lawful, fair, and transparent data processing.
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2. Scope of Applicability:
2.1 Covered Entities: This Privacy Notice applies to all Digital Platforms operated by or on behalf of VHG, whether directly or indirectly, including those operated by:
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Parent and holding entities
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Subsidiaries and affiliated companies
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Authorized brands and business units
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Controlled or managed platforms acting under VHG’s governance framework
Entity-specific privacy supplements may apply where required by local law, provided they remain consistent with this master Notice.
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2.2 Covered Individuals: This Notice applies to all individuals whose personal data is processed by VHG, including:
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Website visitors and users
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Clients and prospective clients
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Investors and potential investors
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Business partners and counterparties
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Contractors, suppliers, and service providers
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Any individual interacting digitally with VHG
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3. Governing Privacy Principles: VHG processes personal data in accordance with the following principles, which reflect GDPR-aligned international standards and are embedded across VHG’s governance framework:
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Lawfulness and fairness
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Purpose limitation
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Data minimization
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Accuracy and data quality
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Storage limitation
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Security and confidentiality
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Accountability and transparency
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4. Categories of Personal Data Collected: Depending on the nature of the interaction, VHG may collect and process the following categories of personal data:
4.1 Identification and Contact Data
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Full name
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Identification number or document type (where legally required)
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Email address
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Telephone number
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Country of residence or business location
4.2 Professional and Business Information
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Company name and role
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Business contact details
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Professional background relevant to services or inquiries
4.3 Digital and Technical Data
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IP address
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Browser type and device identifiers
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Usage logs and interaction metadata
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Cookie and tracking data (see Cookie Notice)
4.4 Communication Data
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Messages, inquiries, and correspondence submitted through Digital Platforms
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Records of communications with VHG representatives
VHG does not intentionally collect sensitive personal data unless strictly necessary and legally permitted.
5. Purposes of Data Processing: Personal data is processed for legitimate and defined purposes, including:
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Operating and managing Digital Platforms
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Responding to inquiries and communications
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Managing client, investor, and partner relationships
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Evaluating business opportunities and service requests
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Compliance with legal, regulatory, and contractual obligations
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Risk management, security, and fraud prevention
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Corporate governance, reporting, and internal controls
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Improving Digital Platform performance and user experience
Data will not be processed for purposes incompatible with those described above.
6. Legal Bases for Processing: Depending on jurisdiction and context, VHG relies on one or more of the following legal bases:
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Consent of the data subject
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Performance of a contract or pre-contractual steps
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Compliance with legal obligations
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Legitimate interests of VHG, provided such interests do not override fundamental rights and freedoms
Where consent is required, it may be withdrawn at any time in accordance with applicable law.
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7. Data Sharing and International Transfers
7.1 Data Sharing: Personal data may be shared with:
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Authorized VHG entities within the corporate group
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Professional advisors (legal, financial, compliance)
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Technology, hosting, and service providers
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Regulatory or governmental authorities where legally required
All third parties are subject to confidentiality and data protection obligations.
7.2 Cross-Border Transfers
Given VHG’s international operations, personal data may be transferred across borders, including to the United States, Colombia, Panama, and other jurisdictions. VHG implements appropriate safeguards to ensure equivalent levels of data protection, consistent with applicable law and international best practices.
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8. Data Retention
Personal data is retained only for as long as necessary to:
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Fulfill the purposes for which it was collected
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Comply with legal, regulatory, or contractual obligations
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Resolve disputes or enforce agreements
Retention periods are defined in accordance with internal data governance policies.
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9. Data Subject Rights: Subject to applicable law, individuals may exercise the following rights:
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Access to their personal data
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Rectification of inaccurate or incomplete data
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Deletion or erasure, where legally permissible
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Restriction or objection to processing
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Data portability, where applicable
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Withdrawal of consent
Requests may be submitted through VHG’s official contact channels and will be addressed within legally mandated timeframes.
10. Information Security Measures: VHG implements administrative, technical, and organizational safeguards designed to protect personal data against:
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Unauthorized access
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Loss or destruction
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Alteration or disclosure
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Misuse or unlawful processing
Security controls are aligned with enterprise-level risk management and governance standards.
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11. Third-Party Platforms and Links: Digital Platforms may contain links to third-party websites or services. VHG is not responsible for third-party privacy practices and encourages users to review external privacy policies independently.
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12. Updates to This Privacy Notice: VHG reserves the right to amend this Privacy Notice at any time. Updates will be published on the applicable Digital Platforms and become effective upon publication. Continued use constitutes acknowledgment of the updated Notice.
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13. Contact and Data Protection Inquiries: For privacy-related inquiries, requests, or concerns, individuals may contact VHG through the official channels provided on the Digital Platforms. Where required by law, designated data protection contacts or representatives will be identified.
COOKIE NOTICE
COOKIE NOTICE
Valencia Holding Group
Last updated: 1-1-2026
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1. Introduction and Purpose: This Cookie Notice (“Notice”) explains how Valencia Holding Group, together with its authorized subsidiaries, affiliates, controlled entities, brands, and business units (collectively, the “VHG Group,” “VHG,” “we,” “us,” or “our”), uses cookies and similar technologies on its websites, digital platforms, applications, and online services (collectively, the “Digital Platforms”).
This Notice should be read together with our Terms and Conditions of Use and Privacy Notice, which collectively form the legal framework governing VHG’s digital presence.
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2. Scope of Applicability: This Cookie Notice applies to:
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All Digital Platforms operated by or on behalf of VHG
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All users accessing or interacting with such platforms
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All cookies and similar technologies deployed through VHG Digital Platforms
Where local law requires additional disclosures or consent mechanisms, entity-specific supplements may apply without undermining this master framework.
3. What Are Cookies and Similar Technologies: Cookies are small text files stored on a user’s device (computer, tablet, or mobile device) when visiting a website. Similar technologies include pixels, web beacons, tags, scripts, and local storage objects.
These technologies allow websites to:
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Function properly and securely
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Recognize users and their preferences
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Analyze usage patterns
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Improve performance and user experience
4. Types of Cookies Used by VHG: VHG may use the following categories of cookies, depending on platform functionality and user interaction:
4.1 Strictly Necessary Cookies: These cookies are essential for the operation of the Digital Platforms and cannot be disabled through preference settings. They enable core functions such as:
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Page navigation
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Security and access control
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Network management
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Compliance with legal and regulatory obligations
Legal Basis: Legitimate interest / legal necessity.
4.2 Functional Cookies: These cookies allow the Digital Platforms to remember user choices and preferences, such as language or regional settings, to enhance usability. Legal Basis: Consent (where required) or legitimate interest.
4.3 Analytical and Performance Cookies: These cookies collect aggregated and anonymized information about how users interact with the Digital Platforms, helping VHG to:
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Measure traffic and usage patterns
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Identify technical issues
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Improve content, structure, and performance
Legal Basis: Consent (where required).
4.4 Third-Party Cookies: Some cookies may be placed by third-party service providers that support analytics, hosting, or embedded functionalities. VHG does not control third-party cookies and encourages users to review the applicable third-party privacy and cookie policies.
Legal Basis: Consent (where required).
5. Legal and Regulatory Framework: VHG’s use of cookies reflects compliance with:
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Applicable U.S. privacy and consumer protection frameworks
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Colombian data protection regulations (Habeas Data regime)
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Panamanian data protection statutes
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International best practices aligned with GDPR principles, including transparency, consent, and user control
Cookie deployment and consent mechanisms are adapted to applicable jurisdictional requirements.
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6. Cookie Consent and User Choices: Where required by law, VHG obtains user consent before placing non-essential cookies.
Users may:
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Accept or reject cookies through cookie banners or preference tools
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Modify browser settings to block or delete cookies
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Withdraw consent at any time without affecting lawful processing prior to withdrawal
Please note that disabling certain cookies may impact functionality or performance of the Digital Platforms.
7. How to Manage Cookies: Most web browsers allow users to:
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View stored cookies
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Delete cookies
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Block all or specific categories of cookies
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Receive alerts before cookies are placed
Browser-specific instructions can be found through the browser’s help or settings section.
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8. Data Collected Through Cookies: Information collected through cookies may include:
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IP address (in anonymized or masked form where applicable)
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Device and browser information
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Pages visited and interaction patterns
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Session duration and referral data
Such data is processed in accordance with the Privacy Notice and applicable law.
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9. Data Sharing and International Transfers: Cookie-related data may be shared with authorized VHG entities and service providers operating in multiple jurisdictions. Where international transfers occur, VHG implements appropriate safeguards to ensure data protection standards consistent with applicable law and internal governance policies.
10. Updates to This Cookie Notice: VHG reserves the right to update this Cookie Notice to reflect:
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Legal or regulatory changes
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Technological developments
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Changes in Digital Platform functionality
Updates will be published on the applicable Digital Platforms and take effect upon publication.
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