Terms of Use

1. Recognition and Acceptance of the Terms and Conditions by the User.
1.1 Agreement. TITAN MANAGER grants Users access to an online platform known as the “TITAN MANAGER Platform” (the “Platform”), which provides a range of data and information related to the User’s investment portfolio. Users may access the Platform via the website titanmanager.io (and all other websites related to TM) (collectively, the “Site”) and through one or more TM mobile or web applications (the “Application”). TM provides the Services subject to the User’s compliance with all the terms and conditions, policies, and notices included or referenced herein (these “Terms and Conditions”), as well as any other written or electronic agreement between TM and a particular User. Furthermore, by using and accessing the Services, Users are subject to the guidelines, rules, or documentation published (if applicable) that apply to such services or materials, which may contain additional terms and conditions beyond those in these Terms and Conditions. Such guidelines, rules, or documentation are hereby incorporated by reference into these Terms and Conditions.

By subscribing to, accessing, or using the Services, or accessing them in any other way, you indicate that you accept to be bound by these Terms and Conditions. If you do not wish to be bound by these Terms and Conditions, please leave and discontinue using the Services.

1.2 Right to Modify; Binding Effect of Continued Use. TM reserves the right to change these Terms and Conditions at any time without prior notice to Users, and any modification or change shall become effective as soon as it is posted. The User acknowledges and accepts that it is their responsibility to review the Site, the Application, and these Terms and Conditions periodically and to inform themselves of any modifications. The User’s continued use of the Services after such modifications will constitute the User’s acknowledgment of the amended Terms and Conditions and their acceptance to be bound by them.

1.3 Non‑professional Use. The Services are intended solely for individual natural persons acting for purposes unrelated to their trade, business, craft, or profession as defined under Royal Legislative Decree 1/2007, of 16 November, approving the revised text of the General Law for the Defense of Consumers and Users and other complementary legislation. Users may not enter into these Terms and Conditions on behalf of a company or other entity.

1.4 Use at User’s Own Risk. The Platform is a software-based tool and information resource supplying certain financial information and facilitating Users’ research related to investments and personal finance. TM and its Affiliates do not act as, nor are they, financial or business advisors, and do not provide related advisory services. The Services are provided for informational and convenience purposes only, and are not intended to provide advice. When you require such advice, please consult a qualified professional.

You alone are fully responsible for the information you input into the Platform, your investment decisions, and their consequences. We do not recommend or endorse any specific investment strategy or investment products or securities that may be mentioned, referenced, or included in the Services. In particular, the rebalancing and security valuation tools available via the Platform are provided solely for convenience and must not be used to make trading or investment decisions. You alone are responsible for how you access and use the Services and the extent to which you rely on the results provided, including the degree to which you make financial or investment decisions based on information obtained through them. Accordingly, we accept no responsibility for the accuracy or suitability of the information or data accessed through the Services. All information and data are provided based on data entered by the User without any verification by TM. You acknowledge and agree that neither we nor our Affiliates shall be liable for any damages or losses arising from economic loss or profit loss, loss resulting from access or inability to access or use the Services, or from your reliance on information provided in the Services.

---

2. Definitions.
The following terms shall have the following meanings for the purposes of these Terms and Conditions. Capitalized terms not defined in this section shall be defined elsewhere in these Terms and Conditions.

• “Affiliates” refers to owners, employees, officers, affiliated companies and subsidiaries (including their employees, directors, and officers), suppliers, partners, sponsors, Data Providers, agents, and representatives of TM, and includes (without limitation) all parties involved in the creation, production, and/or delivery of the Services (including Apple and Google).

• “Application” or “App” refers to any software application or web and/or mobile experience that TM periodically makes available to the User for accessing the Platform and which may be downloaded, installed, or otherwise made accessible on the User’s computer or mobile device via the Site, web applications, Apple App Store, Google Play Store, or similar platforms.

• “Data Providers” refers to third parties that supply information, data, content, or materials to TM which may be available through the Services.

• “Content” means any content, material, information, data, instructions, media, articles, posts, communications, suggestions, simulations, software, photos, videos, graphics, music, sounds, and other materials and services that Users may view or otherwise access on or through the Site, the Application, or other Services, excluding User Materials.

• “Services” means (i) the Platform, (ii) the Site, (iii) the App, (iv) Content, (v) any specific service or offeringTM may provide via the Platform, the Site or the App, which may include or not Premium Features, (vi) any support services, related technologies, software and/or APIs that TM may provide at its sole discretion to facilitate, maintain and monitor your use of the foregoing, and (vii) any other service or offering that TM may from time to time make available through the Platform.

• “User” or “you” or “your” (and similar terms) means any person or entity who visits, views, uses, or accesses any part of the Services.

• “User Materials” refers to content, material, information (including financial information), data, instructions, media, posts, communications, software, photos, videos, graphics, music, sounds, and other materials that a User may import, upload, or provide to the Platform in connection with the User’s use of the Services.

---

3. Services.
3.1 Access and Use. Subject to these Terms and Conditions, TM grants you a limited, personal, non‑exclusive, non-transferable right and license to access and use the Services (subject to any specific access plan you have selected).

3.2 Payments. Premium and Paid Features. Certain functionalities of the Platform may only be available through a paid subscription. Accordingly, to access and use certain Platform functionalities, you must pay all applicable subscription and access fees at the time. TM may also, at any time, charge additional fees in respect of all or part of other Services, offer all or part of other Services on a subscription basis, or restrict parts of the Site, the Application, or features and functionalities within the Site or App, or some other Services. All such advanced, additional, paid, and subscription services are collectively referred to as “Premium Features” and require payment to access. We will notify you of any fees associated with the Services, including Premium Features, as well as any additional terms that may apply to such Premium Features or subscriptions, so you can decide whether to purchase or subscribe. From time to time, we may offer certain Users access to certain Services at a reduced price or under specific conditions. Note that continued use of such Services after the reduced-price period generally requires payment of applicable fees. In particular, you may be asked for a valid credit card when signing up to access and use any reduced-price service. Unless you cancel during the trial period at the reduced price, your subscription price will automatically renew and we will charge your credit card all applicable fees for the Services after the trial period. You acknowledge and agree to the foregoing and authorize us to charge your credit card in connection with all trial services that convert to paid services.

3.3 Refunds; Payment and Authorization; Cancellation. If you choose to purchase or subscribe to the Platform or any other Service (including Premium Features), a valid credit card is required for paid accounts, and Services will be billed in advance according to the currently applicable price list. TM does not offer refunds, because we offer a free plan that allows you to experience and try TM’s Services. However, you may cancel your subscription at any time by visiting the billing section in your account’s “Settings” page (an email request or support ticket requesting cancellation is not considered cancellation), and the subscription will not auto-renew after the previously billed period. All billing is recurring, meaning you will continue to be billed until you cancel the subscription. If you cancel the Service before the end of the paid period, your subscription remains active until the next renewal date. If you request Services for the first time, make sure your purchase is correct before making payment, as we do not provide refunds for initial or recurring payments. All fees will clearly inform applicable taxes before payment in accordance with applicable law. You agree that you will be billed monthly, annually, or on mutually agreed installments, and you grant us the right to charge your credit card (or facilitate payment otherwise) using the payment details you provide, including on a recurring basis. You will reimburse us for any fees charged for declined payments and keep us informed of any changes to your billing information.

3.4 Third‑Party Data and Information. Users may be required or allowed to link a Google, Facebook, Twitter or other third-party account or site to provide, submit, or upload User Materials or other information to the Services. You acknowledge and agree, and grant us, all rights and licenses necessary to access your User Materials and other information hosted on third-party sites, to integrate with third‑party APIs to access and transmit your User Materials and other information to our Services, to store such User Materials and other information, and to process and use such User Materials and information through the Services. You alone are responsible for complying with all third-party agreements, terms of service, or other legal conditions and for ensuring you have the right to use and transmit the applicable User Materials and other information to the Services and to permit the Services to process the User Materials and other information.

3.5 Limitations. TM makes the Services available to Users and reserves the exclusive right to modify or discontinue all or part of the Services, including the Site, the Application and any of their functions, at any time, with or without notice to the User. TM shall not be liable to the User or to any third party in the event of such exercise. The User understands and agrees that temporary interruptions to the Services may occur as normal events. Furthermore, the User understands and agrees that TM has no control over third-party networks or data streams to which the User may connect when using the Services. Therefore, delays and disruptions in network transmissions are completely outside TM’s control, as is the accuracy and completeness of information and data received via such third-party networks or data streams. In particular, the User acknowledges that TM uses Data Providers and is not responsible for possible errors, failures, interruptions, or discontinuities caused by Data Providers (with or without prior notice). We do not verify any data or information received from Data Providers and disclaim any obligation to do so. Also, for the convenience of our Users, the Platform may perform currency conversions for company financial data and stock prices (among other things). We cannot guarantee the accuracy of the exchange rates shown. You should confirm current rates before making any transaction affected by currency fluctuations. The User acknowledges and agrees that the Services are provided “as is” and “as available” and that TM assumes no responsibility for the timeliness, deletion, misdelivery, or failure to store any Content, User Materials, communications, or personalization settings. The User further acknowledges and agrees that certain features and parts of the Services may be available only to certain Users. Any new upgrade that enhances or improves the current Services (including Premium Features) will be subject to these Terms and Conditions.

3.6 Equipment and Requirements. The User acknowledges that certain parts or features of the Services may not be fully accessible or functional without: (i) a properly functioning computer or mobile device; (ii) a properly functioning Internet connection; (iii) a user account and/or an activation/access code or payment for Premium Features or any other paid Service; and (iv) other system elements, specifications, technologies, and/or equipment that TM may specify at any time. It is the User’s responsibility to ensure they have all required system elements. The User understands and accepts that temporary interruptions to the Services may occur as normal events. TM may use external providers to store, manage, and authenticate accounts and content, and to provide hardware, software, networks, storage, and related technology necessary to run the Services. We are not responsible for issues caused by failures of third-party providers or interrupted services. TM cannot guarantee that any Content or User Materials you store, access, or save via the Services will not suffer unintended damage, corruption, or loss. You acknowledge that TM may perform maintenance on the Services from time to time (when and as needed at TM’s sole discretion), which may result in service interruptions, delays, or errors. TM shall not be liable for such interruptions, delays, errors, or failures.

3.7 Reservation of Rights. You acknowledge and agree that the Services are provided under a limited, non-exclusive, non-transferable license, and you do not acquire any ownership interest in the Services, nor any rights thereto other than to use the Services in accordance with the license granted and subject to these Terms and Conditions. TM and its licensors and service providers (including Data Providers) reserve and retain all of their rights, title, and interest in the Services, including all Intellectual Property and Industrial Property Rights, except to the extent expressly granted in these Terms and Conditions.

4. Electronic Contracting and Notifications to the User; Claims.
All contracts entered into electronically between TM and the User shall be considered, for all legal purposes, as written, enforceable, and binding. Any notification from TM shall be effective when sent or posted by TM, regardless of whether the User reads or views the notice or actually receives delivery. All questions, complaints, claims, or other notices to TM must be in writing and sent by email to help@titanmanager.io or by postal mail to TM’s registered office as indicated in the header, or using any contact feature available through the Platform. Any notification or communication sent to TM shall be deemed received by TM on the date of delivery.

---

5. User Requirements and Restrictions.

5.1 Accuracy; Security. The User agrees to: (i) provide truthful, accurate, current, and complete information; (ii) maintain and update the information provided. The User acknowledges that if any information provided is false, inaccurate, outdated, or incomplete, TM reserves the right to terminate the User’s access to the Services and withdraw any offer or agreement. The User agrees to keep their account information, including username and password, secure and not share it with others. In this regard, the User alone is responsible for maintaining the security of their account.

5.2 Restrictions. While using the Services, you agree, by way of example and not limitation, not to: (i) violate any law, third-party rights, or our policies; (ii) tamper with the Services, email responses, or interfere with another User’s use of the Services; (iii) provide false, inaccurate, misleading, defamatory, or libelous information or content; (iv) forge or create any email, content, correspondence, or other information from us, including false or fraudulent acceptances or offers; (v) build any service based on any part of the Services or business ideas derived therefrom; (vi) distribute viruses or any technology that may damage TM or other Users’ interests or property; (vii) copy, modify, distribute any rights or content from the Platform, the Site, or the App or commercialize any of our Services or any information or software provided therewith; (viii) collect or harvest information about our Users, including email addresses, without their consent; (ix) use the Services to gain unauthorized access to TM’s network(s) or servers; (x) interfere with the use and enjoyment of the Services; (xi) infringe any Intellectual Property Rights, including those of third parties.

5.3 Age Requirement. You must be at least 18 years old to access or use any part of the Services in any manner. You represent and warrant that you are 18 years or older and have the right, authority, and capacity to accept and comply with these Terms and Conditions.

5.4 Remote Monitoring. TM shall have the right and capability to monitor, via cookies, certain usage and operational data of the Services to confirm, among others, the number of Users using the Services and the User’s compliance with these Terms and Conditions. For more information on the cookies we use, please review our Cookie Policy.

5.5 Remote Deactivation. If the User fails to pay the fees due for the Services (if applicable), or otherwise breaches these Terms and Conditions, the User acknowledges and agrees that TM may remotely disable or cancel access to the Services.

6. Data and Privacy.

6.1 Privacy Policy. Information TM obtains through the User’s use of the Services, including User information, is subject to TM’s Privacy Policy, which is incorporated by reference into these Terms and Conditions. For more information on how we handle your personal data, please refer to our Privacy Policy.

6.2 User Materials. You are responsible for all User Materials submitted to the Platform, the Site, the App, or any of the other Services and any activity occurring under your account. You alone are responsible for the accuracy, quality, completeness, legality, reliability, suitability, and intellectual property or usage rights of your User Materials. TM shall not be responsible for any data, information, or materials you authorize us to retrieve or that you submit to the Services during use of the Services. TM and its authorized personnel have the right (but not the obligation), at their sole discretion, to reject or remove any User Materials processed by or provided to the Services. We may, but are under no obligation to, remove content and accounts containing content that we determine in our sole discretion to be illegal, threatening, inappropriate, offensive, objectionable, or infringing intellectual property rights or these Terms and Conditions. We may also periodically establish additional guidelines or policies applicable to any User Materials submitted to the Services, and such policies are incorporated by reference into these Terms and Conditions.

6.3 License. You acknowledge and agree and hereby grant TM all rights and licenses to: (i) access, use, process, display, and manipulate any User Materials and your systems as necessary to provide, enhance, and monitor the Services; and (ii) use your information and User Materials for business and marketing purposes consistent with the Privacy Policy, including, without limitation, using User information and Materials for research and analysis in accordance with TM’s Privacy Policy.

6.4 Public Access. You understand and agree that certain information you may import or process via the Platform, Site, App, or other Services may be publicly available depending on your settings and whether any Premium or paid Features are enabled. You alone are responsible for controlling what information you make public, and we are not liable for any claims related to the public disclosure of such information.

7. Termination.
The User acknowledges and agrees that TM may, at any time and at its sole discretion, terminate the User’s access to any or all of the Services without notice if the User breaches these Terms and Conditions. Any suspected fraudulent, abusive, or illegal activity may result in termination. In addition, the User acknowledges that TM will fully cooperate with investigations into system or network security violations. Upon termination or suspension, for whatever reason, the User’s right to use the Services ceases immediately, and the User agrees that TM may immediately deactivate or delete the User’s account (if applicable) and all associated information and files, and/or prohibit further access to such files and the Services. TM shall not be liable to the User or any third party for any claims or damages arising from any termination or suspension or any related action by TM. The applicable provisions of these Terms and Conditions (by their nature) will survive termination.

8. Third‑Party Sites and Information.
The Services may link Users to other websites or include references to information, documents, software, materials, content, and/or services provided by third parties (“Third‑Party Materials”). Such Third-Party Materials (and the third parties responsible for them) are not under TM’s control, and the User acknowledges that TM is not responsible for the accuracy, completeness, validity, copyright compliance, legality, decency, or any other aspect of such Third-Party Materials, nor for errors or omissions in any reference to other parties or their products and services. Inclusion of Third-Party Materials, including references or links, is provided for convenience only and does not imply TM’s endorsement or association with such third parties or any warranty of any kind, whether express or implied. You access and use all Third‑Party Materials at your own risk and subject to the applicable terms and conditions of such third parties.

9. Intellectual Property.
9.1 TM Ownership. The User acknowledges and agrees that the Services are protected by copyright, trademarks, patents, or other proprietary rights and laws applicable to TM, its Affiliates, and licensors, and are the exclusive property of TM and/or its Affiliates and/or licensors (“Intellectual and Industrial Property Rights”). Any unauthorized use of the Services may violate these rights and result in civil or criminal penalties. TM reserves the right to suspend access to the Services for any User who infringes such rights. Neither TM nor its Affiliates warrants or represents that your use of the Content displayed in or obtained through the Services will not infringe the rights of third parties. Some ideas, software, and processes embedded in the Services available on the Platform, Site, or App may be protected by pending applications in any jurisdiction, and TM may file additional applications beyond those already submitted.

9.2 Feedback. By submitting feedback or suggestions, you agree to grant and hereby grant TM a non‑exclusive, irrevocable, worldwide, royalty‑free license for the maximum period permitted by applicable law to any intellectual property rights in your feedback or suggestions, to use them to improve TM’s products or services. You acknowledge that submitting feedback is voluntary, and TM may be developing technologies that are identical or similar to your feedback or suggestions.

10. Information Submitted by the User.
10.1 User Materials. You are solely responsible for the accuracy, quality, completeness, legality, reliability, suitability, and copyright of all User Materials, and TM assumes no liability for deletion, correction, destruction, loss, infringement, or failure to store any User Materials. TM is under no obligation to maintain a backup or copy of any User Materials and shall have no liability for any loss of User Materials, whether caused by TM, you, or any third party.

10.2 Suspected Copyright Infringement. TM respects third‑party intellectual property, and asks Users to do the same. If you believe your intellectual or industrial property rights or other proprietary rights have been infringed through the Services, you must immediately notify TM using the contact information provided in this document. To be effective, the notification must include (i) a physical or electronic signature of the person authorized to act on behalf of the owner of an exclusive right allegedly infringed; (ii) reasonably sufficient contact information for the complaining party, such as address, telephone number, and, if available, an email address; (iii) identification of the allegedly infringing material that must be removed and sufficient detail for TM to locate it; (iv) a statement that the complaining party believes use of the material is not authorized by the rights owner; and (v) a statement affirming accuracy of the information and that the complaining party is authorized to act on behalf of the rights owner.

11. Warranties.
TM shall be liable to Users for any non‑conformity existing at the time the Platform and/or the App and any other Services are made available in accordance with applicable law. Notwithstanding the foregoing, the Services are provided “as is” and “as available,” without any guarantee of any kind, whether express or implied, including, without limitation, implied warranties of merchantability or fitness for a particular purpose. TM does not warrant that: (a) the Services will meet your needs; (b) the Services will be uninterrupted, timely, secure, or error-free; (c) results obtained from using the Services will be effective, accurate, or reliable; or (d) the quality of any product, service, or information purchased or obtained through TM’s or its Affiliates’ services will meet your expectations or be free of errors, failures, or defects. The Services may include technical or other errors, inaccuracies, or typos. Use of the Services or downloading any materials via the Site and/or the App is at your own discretion and risk and you agree that you will be solely responsible for any damage to your computer system or data loss resulting from such activities. Some jurisdictions do not allow the exclusion of certain warranties, so some limitations above may not apply to all Users.

12. Limitation of Liability.
Under no circumstances will TM be liable to you or any third party for any special, punitive, incidental, indirect, or consequential damages of any kind, or any other damages, including, without limitation, economic losses or loss of use, data, or profits, regardless of whether TM has been advised of the possibility of such damages, nor for any liability arising out of or in connection with your use of the Services. Furthermore, TM shall not be responsible in any way for third-party goods and services offered through the Services, or for assistance in executing financial transactions. Some jurisdictions prohibit the exclusion or limitation of liability for certain damages and claims, so the above limitations may not apply to you in those jurisdictions.

13. Indemnification.
At TM’s request, you agree to defend, indemnify, and hold TM and TM’s Affiliates harmless from and against all liabilities, amounts, damages, claims, alleged claims, costs and expenses, including attorneys’ fees, arising out of or relating to (i) your use or misuse of the Services; (ii) any false statement, fraud or other act or omission inconsistent with the Services, the Site, the App or any agreement between TM and you; (iii) any breach of these Terms and Conditions; (iv) any violation of applicable law by you; (v) any infringement of any Intellectual or Industrial Property Rights by you, whether of TM or third parties; (vi) any User Materials you import, upload or otherwise provide to the Services; and (vii) any third‑party claim arising from or related to your use of the Services. TM reserves the right to assume exclusive defense and control of any matter subject to indemnification by you, in which case you will cooperate with TM in asserting any available defenses.

14. International Use.
While the Services may be accessible worldwide, TM does not guarantee that (i) use of the Services is appropriate or available for use outside Spain, and (ii) the use of the Services or availability thereof through the Services complies with foreign laws. Users who choose to access and use the Services from locations outside Spain do so on their own initiative and are responsible for compliance with local laws and requirements. Any offer of any product, service, and/or information made in connection with the Services is void to the extent its offer is prohibited in the relevant territory.

15. Governing Law and Jurisdiction.
All claims and/or disputes related to these Terms and Conditions or the User’s relationship with TM shall be governed by Spanish law, in particular Royal Legislative Decree 1/2007, of 16 November, approving the revised text of the General Law for the Defense of Consumers and Users and other complementary legislation, and shall be submitted to the competent courts and tribunals of (i) the place of service provision, or (ii) the User’s domicile, or (iii) TM’s domicile, at the User’s option. Additionally, the European Commission offers an online dispute resolution platform, accessible via the following link: https://ec.europa.eu/consumers/odr/. To file a complaint through the Online Dispute Resolution platform, please use the email: help@titanmanager.io.

16. Entire Agreement.
These Terms and Conditions constitute the entire agreement between TM and the User regarding the Services and supersede all prior agreements between the parties concerning their subject matter. To the extent that any element of the Services or associated thereto conflicts with or is inconsistent with these Terms and Conditions, these Terms and Conditions shall prevail. However, any pricing terms or usage limitations separately agreed to with the User shall supplement these Terms and Conditions and apply to the User.

17. General.

17.1 Assignment. TM may freely assign its rights and obligations under these Terms and Conditions and may transfer, assign, or novate these Terms and Conditions.

17.2 Force Majeure. In addition to any excuse provided by applicable law or under these Terms and Conditions, TM shall be exempt from liability for failure to deliver or delay in delivering products and services available via the Platform, Site, or App arising from any event beyond TM’s reasonable control, whether predictable or not by either party, including but not limited to labor disputes, war, fire, accident, severe weather, network outage, blackout, inability to secure transport, government regulation or act, and other causes or events beyond TM’s reasonable control, whether or not similar to those listed above.

17.3 Severability; Enforceability. If any provision of these Terms and Conditions is deemed invalid or unenforceable, that provision shall be interpreted in a manner consistent with applicable law to reflect, to the maximum extent possible, the original intent of the parties, and the remaining provisions shall remain in full force and effect.

17.4 No Waiver. TM’s failure to enforce or exercise any provision of these Terms and Conditions or related rights shall not constitute a waiver of such right or provision or of TM’s right to enforce or exercise any provision of these Terms and Conditions in the future.