Terms of Use

1. Acceptance of Terms

By accessing or using our website, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. These Terms constitute a legally binding agreement between you and LadderStone.

2. Description of Services

LadderStone provides financial services and investment advisory services. Our services may include:

• • Investment advisory services
• • Digital asset consulting
• • Financial planning and analysis
• • Educational resources and content
• • Other financial services as may be offered

3. User Eligibility

To use our services, you must:

• • Be at least 18 years of age
• • Have the legal capacity to enter into agreements
• • Provide accurate and complete information
• • Comply with all applicable laws and regulations

4. Prohibited Uses

You may not use our services for any unlawful purpose or in any way that violates these Terms. Prohibited activities include:

• • Violating any applicable laws or regulations
• • Attempting to gain unauthorized access to our systems
• • Transmitting harmful or malicious code
• • Interfering with the operation of our services
• • Using our services for fraudulent purposes
• • Infringing on intellectual property rights

5. Investment Disclaimers

6. Intellectual Property

All content, materials, and intellectual property on our website are owned by LadderStone or our licensors. You may not reproduce, distribute, modify, or create derivative works without our express written permission.

7. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

8. Disclaimers

Our services are provided "as is" without warranties of any kind. We disclaim all warranties, including but not limited to:

• • Merchantability and fitness for a particular purpose
• • Accuracy or completeness of information
• • Uninterrupted or error-free service
• • Security of data transmission

9. Limitation of Liability

To the maximum extent permitted by law, LadderStone shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities.

10. Indemnification

You agree to indemnify, defend, and hold harmless LadderStone and its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of our services or violation of these Terms.

11. Termination

We may suspend or terminate your access to our services at any time, with or without notice, for any reason, including violation of these Terms. Upon termination, your right to use our services immediately ceases.

12. Governing Law

These Terms are governed by the laws of Puerto Rico and the United States, without regard to conflict of law principles. Any disputes shall be resolved in the courts of Puerto Rico.

13. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated effective date. Continued use of our services after changes constitutes acceptance of the revised Terms.

14. Contact Information

If you have questions about these Terms, please contact us: