Terms & Conditions

Last updated: September 17, 2025

These Terms & Conditions (“Terms”) govern your access to and use of this website (the “Site”) operated by Oceans To Oceans Finances, LLC (“O2O,” “we,” “our,” or “us”). By using the Site, you agree to these Terms, our Privacy Policy, and our Accessibility Statement.

1. Eligibility and business use
   This Site is for business and professional use. You represent that you are at least 18 years old, acting for a business or in a professional capacity, and your use is lawful where you are located.

2. Information only; no offer; no advice; no fiduciary duty
   Content on the Site is general information about our services. It is not investment, legal, accounting, or tax advice, and it is not an offer or solicitation to buy or sell any security or financial instrument. We do not act as your adviser, broker, dealer, underwriter, or fiduciary by virtue of your use of the Site. Any engagement occurs only under separate, executed documentation after diligence and approvals, and only where lawful.

3. No confidential information; NDAs and submissions
   Do not submit confidential information through the Site. If appropriate, we will provide a non-disclosure agreement and secure data-room access. Unless we have a signed NDA, unsolicited submissions are not confidential. We may review, decline, or delete submissions at our discretion.

4. Acceptable use
   You agree not to: (a) violate law, third-party rights, sanctions, or export controls; (b) probe, scan, or test the Site or circumvent security; (c) copy, scrape, harvest, or bulk download content or data; (d) upload malware or interfere with operation; (e) misrepresent your identity or authority; or (f) use the Site to facilitate fraud, bribery, or corrupt practices. You are responsible for what you submit and for protecting your own systems.

5. Third-party services and platform
   The Site runs on Wix and may include third-party components (for example, forms, analytics, maps, file viewers, or Wix App Market widgets). Their terms and privacy policies apply to those components. We do not control third-party code and are not responsible for their services.

6. Intellectual property
   The Site and its content (text, graphics, design, logos, and other materials) are owned by us or our licensors and are protected by law. You may view the Site for internal business purposes. You may not copy, modify, distribute, display, perform, or create derivative works without our prior written consent. All trademarks, service marks, and logos are the property of their respective owners. No license is granted except as expressly stated.

7. Feedback and ideas
   If you provide ideas, suggestions, or other feedback, you grant O2O a non-exclusive, worldwide, perpetual, irrevocable, royalty-free license to use and exploit that feedback without obligation to you.

8. Privacy and accessibility
   Our information practices are described in our Privacy Policy. Accessibility commitments are described in our Accessibility Statement. By using the Site or submitting a form, you consent to those policies.

9. Compliance (sanctions, export controls, anti-corruption)
   You will not use the Site in violation of United States, United Kingdom, European Union, or United Nations sanctions or export-control laws, and you will not submit projects or counterparties involving restricted parties. You will not use the Site to facilitate bribery or other corrupt practices. We may screen parties and may decline or terminate access for compliance reasons.

10. Forward-looking statements and examples
    Any examples, estimates, timelines, or statements about potential outcomes are illustrative and forward-looking. Actual results depend on counterparties, market conditions, permits, diligence, and law. Past performance does not guarantee future results.

11. Security; electronic communications
    We use reasonable measures intended to protect the Site. No system is perfectly secure. Internet transmissions can fail or be intercepted; you use the Site at your own risk. By using the Site, you consent to receive communications electronically, including confirmations and notices.

12. Disclaimers
    THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF ACCURACY, NON-INFRINGEMENT, MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE. We do not warrant that the Site will be uninterrupted, error-free, secure, or compatible with your systems.

13. Limitation of liability
    TO THE MAXIMUM EXTENT PERMITTED BY LAW, O2O AND ITS MANAGERS, EMPLOYEES, AND AFFILIATES WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES; LOST PROFITS, REVENUE, OR DATA; OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATED TO THE SITE OR THESE TERMS. TO THE EXTENT WE ARE LIABLE FOR DIRECT DAMAGES, OUR TOTAL AGGREGATE LIABILITY SHALL NOT EXCEED US $100.

14. Indemnification
    You agree to indemnify and hold harmless O2O and our managers, employees, and affiliates from and against claims, losses, liabilities, damages, costs, and expenses (including reasonable attorneys’ fees) arising from your use of the Site, your submissions, or your violation of these Terms or applicable law.

15. Force majeure
    We are not responsible for delays or failures caused by events beyond our reasonable control, including acts of God, disasters, war, terrorism, civil unrest, labor disputes, utility or internet failures, platform outages, or government actions.

16. Dispute resolution; class-action waiver; governing law
    Governing law. These Terms are governed by the laws of the State of Florida, without regard to conflicts of law.
    Arbitration. Except for claims seeking injunctive relief or that may be brought in small-claims court, any dispute arising out of or relating to these Terms or the Site will be resolved by binding arbitration under the AAA Commercial Arbitration Rules before a single arbitrator in Miami-Dade County, Florida. The arbitration will be confidential, and the award may be entered in any court with jurisdiction.
    Class-action and jury waiver. Disputes must be brought individually, not as a class or representative action. You waive any right to a jury trial to the extent permitted by law.
    Injunctive relief. A court in Miami-Dade County, Florida may grant temporary or permanent injunctive relief to protect intellectual property, confidentiality, or Site operation.

17. Time limit to bring claims
    Any claim arising from or related to the Site or these Terms must be filed within one (1) year after the claim accrues, or it is permanently barred, to the fullest extent permitted by law.

18. Changes; suspension; termination
    We may update the Site or these Terms at any time. Changes take effect when posted. We may suspend or terminate access to the Site, in whole or in part, at our discretion and without liability.

19. Assignment; relationship
    You may not assign or transfer your rights or obligations under these Terms without our consent. We may assign to an affiliate or in connection with a merger, reorganization, or sale. The parties are independent contractors. No partnership, agency, or joint venture is created.

20. Severability; interpretation; entire agreement; survival
    If any provision is held invalid, the remainder remains effective. Headings are for convenience only. These Terms, together with our Privacy Policy and Accessibility Statement, are the entire agreement regarding the Site and supersede prior understandings about the Site. Sections that by their nature should survive (including 2 through 20) will survive termination.

21. Contact
    For questions about these Terms, use the Site’s Contact form and select General inquiry.