Terms and Conditions of Service.

1. Acceptance of the Terms

Access to the website www.ragisgroup.com (the "Site") and use of any available functionality (including, without limitation, completing forms, downloading resources, subscribing to communications, and reading the blog) implies express, full, and unreserved acceptance of these Terms, as well as the Privacy Policy, the Legal Notice, and the Cookie Policy, which are incorporated by reference.

2. Definitions

"Ragis Group", "we", "our", or the "Company": the entity that owns the Site, with its official headquarters at 12642 Grey Eagle Ct, Suite 41, Germantown, Maryland 20874, United States of America.

"Site": the web portal accessible at www.ragisgroup.com and all its sub-pages, resources, forms, and functionalities.

"User": any natural person who accesses the Site or uses its functionalities, whether on their own behalf or on behalf of a legal entity.

"Content": any element published on the Site, including text, images, videos, manuals, studies, guides, code, trademarks, isotypes, and intellectual property elements.

"Services": the professional services provided by Ragis Group to its corporate clients under a specific written contract. Services are not provided through the Site; the Site is exclusively an informational platform.

3. Informational Nature of the Site · NO SERVICE DELIVERY

The Site is exclusively informational, educational, and outreach in nature. No content of the Site constitutes a binding offer, contractual proposal, personalized recommendation, professional advice, or investment counsel. Commercial relationships between Ragis Group and its clients are formalized exclusively through a specific written contract, signed after a prior conversation, an initial strategic diagnosis, and, when applicable, the signing of a Non-Disclosure Agreement.

Submitting a form from the Site, downloading a resource, or subscribing to the library does not create any contractual obligation for Ragis Group or the User, except for Ragis Group's obligation to process personal data in accordance with its Privacy Policy.

4. Eligibility · B2B Site for Corporate Professionals

The Site is directed exclusively at corporate professionals over 18 years of age, acting on behalf of legal entities (manufacturers, importers, exporters, distributors, brands, or equivalent corporate structures) interested in the professional services Ragis Group provides in the B2B environment. By using the Site, the User represents and warrants that they meet this eligibility requirement.

The Site is not intended for end consumers within the meaning of European Union consumer protection regulations or equivalents. Any information regarding Ragis Group services must be interpreted in a B2B context.

5. Intellectual and Industrial Property · Express Reservation of Rights

All Site Content is the exclusive property of Ragis Group or its licensors and is protected by national and international intellectual and industrial property rules, including, without limitation, the Berne Convention, the WIPO Copyright Treaty (WCT), the United States Copyright Act (17 U.S.C.), and equivalent applicable laws.

Without prejudice to the foregoing, the following are specifically the property of Ragis Group: (a) the D-S-P methodology (Data — Solution — Prevention) in all its formulations, materials, and derivatives; (b) the Ragis Custody and Encryption Protocol; (c) the trademarks, isotypes, logos, slogans, seals, and design elements associated with Ragis Group; (d) the corporate DNA and brand manuals; (e) the sectoral studies, technical guides, market analyses, and case studies published in the library; (f) the architecture, structure, source code, and audiovisual elements of the Site.

Limited license to the User. Ragis Group grants the User a personal, non-transferable, non-exclusive, free, and revocable license, limited to viewing the Site Content for personal and informational use. Any other use — including reproduction, modification, distribution, public communication, transformation, decompilation, reverse engineering, automated scraping, or commercial exploitation, in whole or in part — is expressly prohibited without prior, express, written authorization from Ragis Group.

Downloading a resource from the library authorizes its internal informational use within the User's organization but does not authorize redistribution, publication, or commercial exploitation.

6. User Obligations and Prohibitions

The User agrees to use the Site in accordance with the law, these Terms, morality, public order, and good faith. Without prejudice to the foregoing, the User specifically agrees NOT to engage in the following conduct:

• Impersonating Ragis Group, its directors, employees, representatives, or any third party.
• Providing false, inaccurate, or misleading information in Site forms.
• Using the Site or its resources for fraudulent, illegal, immoral purposes, or in ways that may damage the image, interests, or rights of Ragis Group or third parties.
• Accessing, modifying, or intervening in the source code, technical configuration, systems, infrastructure, or any element of the Site through reverse engineering, decompilation, automated scraping, denial-of-service attacks (DoS or DDoS), code injection, or any other unauthorized method.
• Introducing malicious software, viruses, trojans, worms, self-replicating code, or any technical element that may damage the Site, its users, or Ragis Group's infrastructure.
• Extracting information from the Site in a mass or systematic manner using automated tools (bots, crawlers, scrapers) without express written authorization.
• Linking the Site through framing, reloading content into third-party applications, or presenting Content out of context in a manner that may mislead as to its origin.
• Using information obtained from the Site for unfair competition, copying the D-S-P methodology, replicating the Ragis Protocol, or any other form of improper exploitation.

Breach of any of these obligations shall entitle Ragis Group to block the offending User's access to the Site and to exercise applicable legal, civil, and criminal actions, including claims for damages.

7. Forms and Communications

The voluntary submission of any Site form implies that the User: (a) represents that the information provided is true, complete, and current; (b) authorizes Ragis Group to process such data in accordance with the Privacy Policy; (c) acknowledges that Ragis Group does not guarantee the provision of services or the conclusion of any contract as a result of submitting the form; (d) accepts to receive a response from Ragis Group's technical team through the usual channels (email, call, video conference).

8. Site Availability · "AS IS"

The Site is offered "AS IS" and "AS AVAILABLE", without express or implied warranties of any kind, including, without limitation, warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, or continuous availability.

Ragis Group does not warrant that the Site is free of errors, interruptions, viruses, or harmful elements. Ragis Group reserves the right to modify, suspend, or discontinue the Site (in whole or in part) at any time, without prior notice and without any liability to the User.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, RAGIS GROUP, ITS DIRECTORS, EMPLOYEES, REPRESENTATIVES, AND LICENSORS SHALL NOT BE LIABLE, UNDER ANY THEORY OF LIABILITY (CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER), FOR THE FOLLOWING DAMAGES ARISING FROM THE USE OR INABILITY TO USE THE SITE:

• Indirect, incidental, special, exemplary, punitive, or consequential damages.
• Lost profits, lost revenue, lost market share, or loss of business opportunity.
• Loss, alteration, or corruption of data.
• Business interruption or loss of goodwill.
• Damages arising from reliance on Site Content for commercial, regulatory, tax, or other decisions.
• Damages arising from unauthorized access to the Site or associated accounts, except for Ragis Group's duly proven willful misconduct or gross negligence.

IN NO EVENT shall Ragis Group's total aggregate liability to the User, for any cause related to the Site, exceed ONE HUNDRED UNITED STATES DOLLARS (USD 100), this figure being the maximum aggregate liability limit, regardless of the number of claims. The User expressly acknowledges the reasonableness of this limitation, given the free-of-charge access to the Site.

10. Indemnification

The User agrees to indemnify, defend, and hold Ragis Group, its directors, employees, advisors, representatives, and licensors harmless from any claim, demand, proceeding, sanction, damage, loss, cost, or expense (including reasonable legal fees) arising from or related to: (a) the User's use of the Site; (b) the User's breach of these Terms; (c) the User's breach of any law, regulation, or third-party right; (d) the User's content or conduct in their interactions with Ragis Group.

11. Termination and Suspension

Ragis Group reserves the right to suspend or terminate the User's access to the Site at any time, without prior notice and without liability, in the event of breach of these Terms, reasonable suspicion of fraud, abusive conduct, or for any other legitimate reason. Termination shall not affect obligations of the User accrued up to that date.

12. Modifications to the Terms

Ragis Group reserves the right to modify these Terms at any time, without individual notification. The current version is the one published at this URL with the update date at the beginning. Continued use of the Site after the publication of modifications constitutes acceptance of the new Terms.

13. Assignment

The User may not assign, transfer, or sublicense the rights or obligations arising from these Terms without express written consent from Ragis Group. Ragis Group may freely assign these Terms in the context of corporate transactions (merger, spin-off, asset sale).

14. Severability

If any provision of these Terms is declared null, invalid, or unenforceable by a competent court, the remaining provisions shall continue in full force and effect. The affected provision shall be replaced by another valid and applicable one that reflects, to the greatest extent possible, the original intent.

15. Waiver

The fact that Ragis Group does not exercise any right provided in these Terms shall not constitute a waiver of such right or any other right under these Terms.

16. Entire Agreement

These Terms, together with the Privacy Policy, the Legal Notice, and the Cookie Policy, constitute the entire agreement between the User and Ragis Group regarding the use of the Site, and supersede any prior communication or agreement, written or oral, on the same subject matter.

17. Governing Law and Jurisdiction

These Terms are governed by the laws of the State of Maryland, United States of America, with express exclusion of its conflict-of-laws rules. Any dispute arising from the Terms or the use of the Site shall be submitted to the exclusive jurisdiction of the state and federal courts of the State of Maryland, USA, and the User expressly waives any objection to jurisdiction or venue.

Without prejudice to the foregoing, Ragis Group reserves the right to initiate legal action against the User in the competent courts of the User's domicile to seek injunctive relief or collection of amounts due.

For consumer users of the European Union, the mandatory consumer protection provisions of their state of residence shall additionally apply, without prejudice to the jurisdiction agreed herein.

18. Alternative Dispute Resolution (Optional)

The parties may attempt, prior to judicial action, an amicable resolution through direct negotiation or mediation. The initiation of this procedure does not suspend legal deadlines or waive the jurisdiction agreed in clause 17.

19. Notices

Any notice under these Terms shall be sent to the email address contact@ragisgroup.com or by certified mail to Ragis Group's official headquarters. Notices shall be deemed received on the date the email is sent (absent contrary proof) or on the recorded delivery date of postal mail.

20. Language

These Terms are published in Spanish and English. In case of discrepancy between the two versions, the English version shall prevail for legal effects applicable before the courts of the State of Maryland.

Legal review notice. These Terms and Conditions must be reviewed, validated, and, where applicable, adjusted by an attorney licensed in the State of Maryland with experience in international commercial law before their final publication. This version is a professional starting draft that requires specific legal validation to enter into force.