Welcome to Bitbana! By accessing or using our services, you agree to the following terms and conditions. Please read them carefully before using our platform.

1. Definitions

1.1. “Platform” refers to the website and mobile application operated by Bitbana to offer investment services in ETFs.

1.2. “User” refers to any individual or entity using the services provided by Bitbana.

2. Acceptance of Terms

By using Bitbana, you agree to these Terms and Conditions, including our Privacy Policy. If you do not agree with any part of these Terms, you may not use the Platform.

3. User Eligibility

To use our services, you must be at least 18 years old and meet all legal requirements to engage in financial activities. You are responsible for ensuring that your use of our services complies with local laws.

4. Account Responsibilities

4.1. You are required to register for an account to access the Platform’s services. When registering, you must provide accurate and complete information.

4.2. You are responsible for maintaining the confidentiality of your account credentials. Any activities that occur under your account will be deemed your responsibility.

5. Platform Services

5.1. Bitbana provides access to investment products, specifically Exchange Traded Funds (ETFs). Through the platform, users can:

• Create and manage their investment portfolio

• Buy and sell ETFs, including funds based on the S&P500

• Withdraw funds according to platform policies

5.2. Fees apply to each transaction and may vary based on the transaction type (e.g., between 0.99% to 3.99%).

6. Investment Risks

Investing in ETFs carries inherent risks, including potential losses. The past performance of an ETF is not indicative of future returns. By using Bitbana, you acknowledge that you fully understand the risks and potential losses associated with investing in ETFs.

7. User Conduct

Users agree to:

• Use the Platform in compliance with applicable laws and regulations.

• Not engage in any illegal or fraudulent activities on the Platform.

• Provide accurate information and update it as necessary.

8. Fees and Payments

8.1. Bitbana charges fees on each transaction, which will be clearly displayed before completion.

8.2. Users are responsible for any additional charges imposed by third-party services such as payment gateways.

9. Termination

Bitbana reserves the right to suspend or terminate your account if we suspect fraudulent activity, violations of these terms, or for any other reason at our discretion.

10. Limitation of Liability

Bitbana is not liable for any losses incurred as a result of using our services, including but not limited to market risks, system interruptions, or errors in ETF transactions.

11. Modifications

Bitbana reserves the right to modify these Terms at any time. Any changes will be communicated to you via email or through the Platform.

12. Governing Law

These Terms and Conditions are governed by the laws of Mexico. Any disputes shall be resolved in the courts of Mexico City.

Bitbana Risk Disclaimer

Investment Risks

Investing in financial markets involves significant risk, and Bitbana cannot guarantee the performance of any ETF. It is important to understand that:

1. Market Risk: The value of ETFs can fluctuate due to market conditions. Investments can go up or down, and you may lose some or all of your invested capital.

2. No Guarantees: While Bitbana provides access to ETFs with historical returns, past performance does not guarantee future results. There is no assurance that any investment strategy will achieve its intended outcome.

3. Liquidity Risk: ETFs, like any security, are subject to liquidity risk. This means that, under certain conditions, you may not be able to sell your ETFs at your desired price or time.

4. User Responsibility: Users should carefully evaluate their financial situation and investment objectives before engaging in any investment activities on Bitbana. We recommend consulting with a financial advisor.

By using Bitbana, you acknowledge that you fully understand and accept the risks associated with investing. Bitbana does not provide financial or investment advice and is not responsible for any losses you may incur.