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Website Terms of Use

as of March 1, 2024

PLEASE READ THE FOLLOWING TERMS AND CONDITIONS CAREFULLY. THEY GOVERN YOUR ACCESS AND USE OF THIS WEBSITE.

BY ACCESSING OR USING THIS WEBSITE, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS AND ACCEPT THEM IN FULL, AS THEY MAY BE MODIFIED BY BBVA GLOBAL WEALTH ADVISORS, INC. (“GWA,” the “COMPANY,” “WE,” “US,” or “OUR”) FROM TIME-TO-TIME AND POSTED ON THIS WEBSITE.

GWA operates this website (the "Site") to provide information, related features, and services (the "Service"). Please read the following carefully before using our Site. If you do not agree with all Terms of Use, you are not authorized to continue to access or use this Site for any purpose.

You are prohibited from using this Site for any purposes other than those for which it has been made available. By continued use, you represent and warrant that:

You will not use this Site for any illegal or unauthorized purpose or in violation of any applicable law or regulation.
You have legal capacity to enter into a binding agreement.
You will not access the Site through automated or non-human means.
You are not a minor in the jurisdiction in which you reside. If you are a minor, you confirm you have received parental permission to use the Site.
You agree that your continued use of the Site and our services will be at your sole risk.

THE SITE AND ITS CONTENTS ARE PROVIDED ON AN "AS IS" BASIS. USE OF THE SITE AND ITS CONTENTS IS AT THE USER'S SOLE RISK. THE SITE AND ITS CONTENTS ARE PROVIDED WITHOUT ANY REPRESENTATIONS, ENDORSEMENTS, OR WARRANTIES OF ANY KIND WHATSOEVER, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF TITLE OR ACCURACY AND ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT, WITH THE SOLE EXCEPTION OF WARRANTIES (IF ANY) WHICH CANNOT BE EXPRESSLY EXCLUDED UNDER APPLICABLE LAW. AS NOTED BELOW, GWA ALSO MAKES NO REPRESENTATIONS, ENDORSEMENTS, OR WARRANTIES, EITHER EXPRESS OR IMPLIED, WITH RESPECT TO ANY WEBSITE OPERATED BY A THIRD PARTY. There are no warranties or representations concerning the interruption or cessation of transmission to or from the Site. GWA is not liable for any software bugs, viruses, trojan horses, or similar transmitted to or through the Site. By use of this Site, you agree to defend, indemnify, and hold us and any direct or indirect subsidiaries and affiliates (as applicable) and each of their respective directors, officers, employees, agents, successors, and assigns harmless from and against all damages, liability, losses, demands or claims – including attorney's fees and expenses – arising out of, resulting from or relating to your: violation or misuse of the Service, the Site, its Terms of Use; breach of these Terms of Use; breach of your warranties and representations as outlined herein; or any overt harmful act toward or by any third-party or another Site user with whom you connect via the Site. Notwithstanding the preceding, we reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding subject to this indemnification upon becoming aware of it.

Access by U.S. & International Users

This Site is hosted in the United States. Users accessing this Site from outside the United States may be subjecting themselves to United States law, which may differ from their local laws, including those that govern personal data disclosure, collection, and use. By transferring certain personal information through this Site to the United States, you thereby expressly consent to the transfer of such personal data and the application of United States law. Non-U.S. residents may be subject to country-specific restrictions.

Terms of Use May Change Without Prior Notice

The Company reserves the right to modify these Terms of Use at any time without giving you prior notice. Following any such modification, your use of the Site constitutes your agreement to follow and be bound by the Terms of Use as modified. For this reason, we encourage you to review these Terms of Use whenever you use this Site. The last date these Terms of Use were revised is set forth above.

Limitation of Liability

By using the Site, you acknowledge use of this Site is at your own risk. IN NO EVENT WILL GWA OR ITS AFFILIATES, SUBSIDIARIES, CONTRACTORS, OR THEIR RESPECTIVE EMPLOYEES BE LIABLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, WHETHER UNDER A CONTRACT, TORT OR ANY OTHER THEORY OF LIABILITY, ARISING IN CONNECTION WITH ANY PARTY'S USE OF THE SITE OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, LINE SYSTEM FAILURE, LOSS OF DATA, OR LOSS OF USE RELATED TO THIS SITE OR ANY WEBSITE OPERATED BY ANY THIRD PARTY OR ANY CONTENTS OF THIS SITE OR ANY OTHER WEBSITE, EVEN IF GWA IS AWARE OF THE POSSIBILITY OF SUCH DAMAGES. Some of the above limitations may not apply to you because some states do not allow the exclusion or limitation of liability for consequential or incidental damages. In such states, GWA’s liability is limited, and warranties are excluded to the greatest extent permitted by law.

If you are dissatisfied with the Site or any content on the Site or with the Terms of Use, your sole and exclusive remedy is to immediately discontinue use. You agree you will not undertake any act that hinders the Site’s proper working order or causes an unreasonable or excessively large load on Site infrastructure, might compromise Site security, render the Site or Service inaccessible by others, or cause harm to the Site or any Content contained herein. You further agree not to add to, subtract from, or otherwise, modify the Site's Content except as expressly authorized by the Company in these Terms of Use or by a written agreement between you and the Company.

Notice of Restrictions On Your Use

The Service, the Site, and all data and information and content that you see, hear, or otherwise experience on the Site ("Content") belongs to GWA, its affiliates, partners, contributors, and/or third-party service providers and can be protected by U.S. and international trademark, copyright, intellectual property, and/or other laws. You may download, print and/or store certain portions of the Content, provided you do not duplicate or post it on any network computer, transmit, distribute, publish or broadcast it in any media, modify or alter it in any way, or delete or alter any trademark or copyright notice. There is no right, title, or interest in any copied or downloaded Content transferred to you due to any such copying or downloading. GWA reserves full title and intellectual property rights in any Content copied or downloaded from this Site and you agree not to modify, reformat, copy, download, reproduce, copy, distribute, display, publish, repost, transmit, license, rent, sell, transfer or create derivative works from Site Content or Service, except as expressly permitted herein. You are hereby forbidden from using any of the marks appearing throughout this website without the direct written approval from the trademark owner, except as otherwise permitted by any applicable law. The information provided on the Site is not meant for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or would subject GWA to any registration requirement within such jurisdiction or country. We expressly reserve the right to modify, suspend, or terminate your access privileges. You agree and understand that we may, in our sole discretion and without any prior notice, close this Site, deny you access to it, delete any files you may maintain at this Site or any information you may choose to post here.

Links to Other Websites.

GWA may establish links between this Site and one or more websites operated by third parties. GWA has no control over any such other websites or the contents therein. The existence of any such links shall not constitute an endorsement by GWA of such websites, the contents of the websites, or the operators of the websites.

Disclaimer of Warranties, Correction of Errors & Inaccuracies

The Site, the Service, and the information or Content are provided on an "as is" and "as available" basis. By using this Site, you expressly agree to assume total responsibility and risk for using the Site and the Service. GWA makes no express or implied warranties, representations, or endorsements concerning the Site or Service. By permitting you to access the Site, GWA does not oblige itself to do so, nor is GWA obliged to maintain this Site or to maintain it in its present form. The information on the Site may contain typographical errors or other errors or inaccuracies and may not be complete or current. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update information at any time without prior notice. The Company does not warrant that the functions performed by the Site or the Service will be timely, secure, or uninterrupted, nor does Company warrant that defects, errors, inaccuracies, or omissions in the Site or the Service will be corrected. Content, including but not limited to research, market valuations, calculations, estimates, or any other material presented, was obtained from sources believed to be reliable. We are not responsible or liable for the correctness of any such material or for any loss, damage, delay, or failure to act caused by any source beyond our reasonable control. It is solely your responsibility to evaluate the accuracy, completeness, and usefulness of all information or Content provided by the Site or the Service.

The Company expressly disclaims all warranties of any kind – express, implied, statutory, or otherwise, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title and non-infringement -- concerning the Site, the Service, or any information or Content contained therein, including third-party information.

Exclusive & Proprietary Content

All information available through this Site is the property of GWA or its information providers. You are prohibited from reproducing, retransmitting, disseminating, selling, publishing, broadcasting or using Site Content to create, promote, trade, or market financial products or instruments without GWA’s express written consent or its licensors. You are entitled to use Site information for your private, non-commercial use only.

User Conduct

By use of this Site, you expressly agree not to take any action that interferes with the proper working of the Site or that imposes an unreasonable or disproportionately large load on the Site's infrastructure; might compromise the security of the Site; render the Site or the Service inaccessible to others, or otherwise cause damage to the Site or any Content contained on the Site. You agree not to add to, subtract from, or otherwise, modify the Content on the Site except as expressly authorized by the Company in these Terms of Use or by a written agreement between you and the Company.

Transmissions to and from this Website.

Except where expressly indicated otherwise, transmissions to and from this Site or directed to GWA, including unencrypted emails, are not sent in a secure form and can be intercepted by third parties and may not be immediately received by the appropriate business unit at GWA. Please do not use unencrypted email to send us communications which contain confidential information. Any transmission to this Site, including emails shall be deemed and remain the property of GWA. GWA shall be free to use, for any purpose, any ideas, concepts, know-how, or techniques provided by you to GWA through this Site.

Online Privacy & Tracking Practices

Cookies

When browsing this Site, a “cookie” may be used to help us gauge the number of visits, average time spent, country of session origin, page views, and other Site statistics. “Cookies” are small pieces of information gathered and stored by the internet browser on your computer's hard drive. This cookie by itself does not disclose to the Company your e-mail address or identity or be used to gather data from your hard drive, obtain your email address, or amass any personal identifying information. You can set your browser to alert you when a cookie is received and/or to prevent cookies from being transmitted. By rejecting cookies, you may limit the functionality we can provide you with when you visit our site.

Available Only Where Permitted by Law

The products and services of GWA are available only where permitted by law.

Enforcement

If any part of these Terms of Use is determined to be invalid or unenforceable, it will not impact any other provision of these Terms of Use, all of which will remain in full force and effect. These Terms of Use are governed by and will be interpreted according to the laws of the State of Florida, without regard to any conflict of laws provisions. Although you acknowledge that we will have the ability to enforce our rights in any court of competent jurisdiction, you hereby consent to the exclusive jurisdiction and venue of the federal courts for the Southern District of Florida in Miami-Dade county, Florida USA, regarding any and all disputes relating to these Terms of Use, the Company's Privacy Statement, the Site, any other website, the Service, Content, or the Material contained therein.

Entire Agreement

These Terms of Use constitute the parties' entire agreement to the subject matter noted herein and supersede any previously written or oral agreements between the parties concerning the subject matter herein. No waiver by GWA of any breach or default by you hereunder shall be deemed a waiver of any preceding or subsequent breach or default.

© 2024 BBVA Global Wealth Advisors. Inc.

Learn more about our Firm and investment professionals through https://adviserinfo.sec.gov . To learn more about BBVA Global Wealth Advisors, Inc.’s business, including our products and services, as well as our relationship with clients, please review our BBVA Global Wealth Advisors Form ADV and Form CRS.

Investment advisory activities are offered through BBVA Global Wealth Advisors, Inc. (“GWA”), an Investment Adviser registered with the Securities & Exchange Commission and a wholly-owned subsidiary of Banco Bilbao Vizcaya Argentaria, S.A. GWA does not provide legal, tax, or accounting advice. Registration does not imply a certain level of skill or training.

The information provided and opinions expressed on this website are for general information only and should not be considered a solicitation for purchasing or selling any security. Nothing presented is intended to provide specific or individualized financial, legal, tax, or investment planning advice. Before investing, consult with a qualified and competent professional – for example, an accounting, legal, or tax advisor – in order to aid in due diligence appropriate to your situation and to determine the suitability of the risk and tax consequences associated with any investment. Past performance is no indication of future results. Investing involves risk, including the possible loss of principal; no investment strategy can guarantee a profit or protect against loss in periods of declining value. GWA and its investment professionals can or cannot recommend certain services, investments, or models depending on the licenses or training obtained, and they can transact business or respond to inquiries only in certain locations. GWA does not accept action-oriented or time-sensitive communications, instructions, securities trading orders, or transaction requests via email, voicemail, text, or over the Internet, as a timely response cannot be guaranteed. Speak with your Investment Advisor Representative (“Financial Advisor”) directly if assistance is required with these items and follow up with an email confirmation of your time-sensitive need. Information on this website is exclusively intended for residents of countries as permitted by applicable law.

Securities and other financial investment products are not deposits, are not FDIC insured, are not bank guaranteed, may lose value, and are not insured by any federal government agency.

“BBVA Global Wealth Advisors” is a trademark of BBVA Global Wealth Advisors, Inc.

Creating opportunities

© 2024 BBVA Global Wealth Advisors. Inc.

Learn more about our Firm and investment professionals through https://adviserinfo.sec.gov .To learn more about BBVA Global Wealth Advisors, Inc.’s business, including our products and services, as well as our relationship with clients, please review our BBVA Global Wealth Advisors Form ADV and Form CRS.

Investment advisory activities are offered through BBVA Global Wealth Advisors, Inc. (“GWA”), an Investment Adviser registered with the Securities & Exchange Commission and a wholly-owned subsidiary of Banco Bilbao Vizcaya Argentaria, S.A. GWA does not provide legal, tax, or accounting advice. Registration does not imply a certain level of skill or training.

The information provided and opinions expressed on this website are for general information only and should not be considered a solicitation for purchasing or selling any security. Nothing presented is intended to provide specific or individualized financial, legal, tax, or investment planning advice. Before investing, consult with a qualified and competent professional – for example, an accounting, legal, or tax advisor – in order to aid in due diligence appropriate to your situation and to determine the suitability of the risk and tax consequences associated with any investment. Past performance is no indication of future results. Investing involves risk, including the possible loss of principal; no investment strategy can guarantee a profit or protect against loss in periods of declining value. GWA and its investment professionals can or cannot recommend certain services, investments, or models depending on the licenses or training obtained, and they can transact business or respond to inquiries only in certain locations. GWA does not accept action-oriented or time-sensitive communications, instructions, securities trading orders, or transaction requests via email, voicemail, text, or over the Internet, as a timely response cannot be guaranteed. Speak with your Investment Advisor Representative (“Financial Advisor”) directly if assistance is required with these items and follow up with an email confirmation of your time-sensitive need. Information on this website is exclusively intended for residents of countries as permitted by applicable law.

Securities and other financial investment products are not deposits, are not FDIC insured, are not bank guaranteed, may lose value, and are not insured by any federal government agency.

“BBVA Global Wealth Advisors” is a trademark of BBVA Global Wealth Advisors, Inc.

Creating opportunities