Introduction:

Welcome to Noma, a financial services platform operated by Nohea Maah Valley SL (hereinafter "Noma," "we," "us," or "our"). These terms and conditions (these "Terms") apply to your access and use of our website located at https://www.nomvalley.com/ (the "Site") and any services, features, content, or applications offered by Noma (collectively, the "Services"). Please read these Terms carefully before using the Site or Services. By accessing or using the Site or Services, you agree to be bound by these Terms and our Privacy Policy, which is available at https://www.nomvalley.com/privacy. If you do not agree to these Terms and our Privacy Policy, you may not access or use the Site or Services.

Use of the website:

By accessing or using the Site or Services, you agree to comply with these Terms and all applicable local, state, national, and international laws, rules, and regulations.

You may not use the Site or Services for any illegal or unauthorized purpose, or in any manner that could damage, disable, overburden, or impair the Site or Services or interfere with any other party's use and enjoyment of the Site or Services. You may not attempt to gain unauthorized access to the Site or Services, user accounts, or any systems or networks connected to the Site or Services.

You may not use any robot, spider, scraper, or other automated means to access the Site or Services for any purpose without our express written permission. You may not use the Site or Services to transmit any viruses, worms, defects, Trojan horses, or other items of a destructive nature.

You may not use the Site or Services to engage in any commercial activities, such as advertising or offering goods or services for sale, without our express written consent. You may not reproduce, duplicate, copy, sell, resell, or exploit any portion of the Site or Services without our express written permission.

We reserve the right to terminate or restrict your access to the Site or Services at any time and for any reason without notice. We also reserve the right to modify or discontinue the Site or Services at any time and for any reason without notice.

Intellectual property:

The Site and Services, and all content and materials included on or available through the Site or Services, including text, graphics, logos, images, and software, are the property of Noma or its licensors and are protected by copyright and trademark laws. All rights reserved.

You may not use any content or materials on the Site or Services for any commercial purpose without the express written consent of Noma. You may not reproduce, duplicate, copy, sell, resell, or exploit any portion of the Site or Services without the express written consent of Noma.

You may not use any robots, spiders, or other automated means to access the Site or Services for any purpose without the express written consent of Noma. You may not use the Site or Services to transmit any viruses, worms, defects, Trojan horses, or other items of a destructive nature.

Disclaimer of warranties:

The Site and Services are provided on an "as is" and "as available" basis. Noma makes no representations or warranties of any kind, express or implied, as to the operation of the Site or Services, or the information, content, materials, or products included on the Site or Services.

To the full extent permissible by applicable law, Noma disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Noma does not warrant that the Site or Services, or any content or materials included on or available through the Site or Services, will be uninterrupted or error-free, and Noma will not be liable for any interruptions or errors.

Noma will not be liable for any damages of any kind arising from the use of the Site or Services, including, but not limited to, direct, indirect, incidental, punitive, and consequential damages.

Indemnification:

You agree to indemnify and hold Noma, and its subsidiaries, affiliates, officers, agents, and employees, harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use of the Site or Services, your violation of these Terms, your violation of any rights of another, or your violation of any applicable laws or regulations.

You also agree to indemnify Noma for any loss, damage, or expense that we may suffer as a result of your violation of these Terms or your use of the Site or Services. This indemnification obligation will survive the termination of these Terms and your use of the Site or Services.

Governing law:

These Terms and your use of the Site and Services will be governed by and construed in accordance with the laws of the Kingdom of Spain and the Autonomous Community of Catalonia, without giving effect to any principles of conflicts of law.

Any dispute arising out of or relating to these Terms, the Site, or the Services will be resolved through binding arbitration in accordance with the Spanish Rules of International Commercial Arbitration. The arbitration will be conducted in Barcelona, Spain, and the language of the arbitration will be Spanish.

You agree to submit to the personal jurisdiction of the courts located within the Kingdom of Spain and the Autonomous Community of Catalonia for the purpose of resolving any disputes arising out of or relating to these Terms, the Site, or the Services.

Miscellaneous:

These Terms constitute the entire agreement between you and Noma with respect to the Site and Services and supersede all prior or contemporaneous communications and proposals, whether oral or written.

If any provision of these Terms is found to be invalid or unenforceable, that provision will be enforced to the maximum extent possible, and the remaining provisions will remain in full force and effect. The failure of Noma to exercise or enforce any right or provision of these Terms will not constitute a waiver of such right or provision. You may not assign or transfer these Terms or your rights or obligations under these Terms, in whole or in part, without the prior written consent of Noma. Noma may assign or transfer these Terms or its rights or obligations under these Terms, in whole or in part, without your consent. These Terms will inure to the benefit of and be binding upon each party's successors and assigns.