Terms & Conditions

1. Agreement to Terms

These Terms & Conditions ("Terms") are a binding agreement between you and Rox Commerce LLC, operating as Capitarra ("Capitarra," "we," "us"), governing your access to, and use of, the Capitarra website and platform (the "Service"). By creating an account, purchasing a Pass or Report (as defined herein), or otherwise using the Service, you agree to these Terms. If you do not agree, please do not use the Service.

2. What Capitarra Is — and Is Not

Capitarra provides a platform for cross-border residential real estate investment research, country intelligence, comparative analysis, scenario modelling, and other decision-support services. The Services currently include the Investor Profile and Match Score engine, Country Intelligence rankings and comparisons, Scenario Modelling, purchasable Strategy Reports, and other features that may be introduced from time to time.

Capitarra provides a country-comparison and scenario-modelling tool for cross-border real estate investors: an Investor Profile and Match Score engine, Country Intelligence rankings and comparisons, Scenario Modelling and purchasable Strategy Reports.

Capitarra is an informational and educational tool. It is not, and must not be relied upon as, financial, investment, tax, legal, immigration, mortgage, or real estate advice. Nothing on, or resulting from, the Service constitutes a recommendation to buy, sell, hold, rent, finance, refinance, or otherwise pursue any property, country, investment strategy, financing structure, or transaction. Match Scores, Country Intelligence rankings, Scenario Modelling outputs, and Strategy Reports are decision-support tools only and should not be interpreted as recommendations or endorsements of any specific country, property, financing structure, or investment strategy. Capitarra relies in part on information obtained from third-party data providers, public sources, and user-supplied inputs. We do not independently verify such information and cannot guarantee its accuracy, completeness, timeliness, or continued availability. Match Scores, Country Intelligence rankings, Scenario Modelling outputs, and Strategy Reports are generated from data and assumptions that may be incomplete, estimated, or out of date, and your actual investment results may differ materially from anything modelled. Before making any investment decision, you should consult a licensed, independent financial, tax, legal, and other professional advisor in the relevant jurisdiction(s).

3. Eligibility

You must be at least 18 years old and have the legal capacity in the United States and in your country of residence or the country in which you are located at the time the Service is purchased to enter into a binding contract to use the Service. By using the Service, you confirm this is the case.

4. Your Account

• You must provide accurate information when creating your account and keep your password confidential.
• You are responsible for all activity under your account; notify us immediately at support@capitarra.com of any unauthorised use.
• You may maintain one active Investor Profile per account.
• You may delete your account at any time from Settings; see our Privacy Policy for what happens to your data afterward.

5. Passes, Strategy Reports, Pricing, and Payment

• Capitarra offers free and paid access tiers (“Passes”) and individually purchasable Strategy Reports, as described on the website at the time of purchase. The features included in each Pass may change as the Service evolves.
• Prices are shown in [EUR/USD/GBP/CHF] and may include or exclude tax depending on your location; where applicable, VAT or other indirect taxes will be added and shown before you complete a purchase.
• Payments are processed securely by our third-party payment processor. By making a purchase, you authorise us (via our processor) to charge your chosen payment method for the Pass or Report selected.
• Invoices for each purchase are available for download from Settings at any time.

6. Digital Content, Right of Withdrawal, and Refunds

Strategy Reports and most Pass features are digital content made available to you immediately upon purchase.

If you are a consumer located in the EEA or UK, you may have a statutory 14-day right of withdrawal for digital-content purchases. Where permitted by applicable law, we will ask you at the time of checkout to (i) expressly consent to waive your withdrawal right due to immediate performance of the Service and delivery of the digital content prior to the expiration of the withdrawal period, and (ii) acknowledge that by doing so you lose your right of withdrawal upon completion of your purchase. We will provide confirmation of your consent and acknowledgment by email.

• Outside of this context, purchases of Reports and Passes are final and non-refundable, except where required by applicable law or as exceptionally granted at our discretion.
• If you believe you were charged in error, contact support@capitarra.com within 30 days of the charge.

7. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose or to misrepresent your identity.
• Scrape, copy, reverse-engineer, or attempt to extract the Match Score algorithm, country dataset, or Report content for any commercial or competitive purpose.
• Resell, sublicense, or redistribute Reports, Match Scores, or any Capitarra content without our written permission.
• Interfere with, or attempt to disrupt, the Service’s operation or security.
• Upload malicious code or attempt unauthorised access to other users’ accounts or data.

We may suspend or terminate accounts that violate this section.

8. Intellectual Property

Capitarra, the Capitarra name and logo, the country dataset, the Match Score methodology, the Capitarra website design, and all Report templates and content are owned by Rox Commerce LLC or its licensors and protected by intellectual property laws. We grant you a limited, personal, non-transferable licence to access the Service and use any Reports you purchase for your own personal investment research — not for resale or redistribution. You retain ownership of the Investor Profile and Scenario inputs you provide, and you grant us a licence to use them solely to provide and improve the Service for you.

9. Disclaimers

THE SERVICE — INCLUDING ALL MATCH SCORES, COUNTRY RANKINGS, SCENARIO OUTPUTS, AND STRATEGY REPORTS — IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF ACCURACY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT COUNTRY DATA, MATCH SCORES, OR FINANCIAL OUTPUTS ARE ACCURATE, COMPLETE, OR SUITABLE FOR YOUR PARTICULAR CIRCUMSTANCES, OR THAT ANY MODELLED INVESTMENT OUTCOME WILL BE ACHIEVED. Scenario Modelling outputs, including ROI, IRR, cash-flow projections, appreciation assumptions, financing calculations, and other projected outcomes, are illustrative estimates only. They are not forecasts, guarantees, promises of future performance, or statements of expected investment returns. Strategy Reports are informational research products only and should not be relied upon as the sole basis for any investment, financing, tax, legal, immigration, or real estate decision. Nothing in this section limits any warranty that cannot be excluded under applicable law, including statutory consumer-protection rights you may hold in your country of residence.

10. Limitation of Liability

To the maximum extent permitted by applicable law, Capitarra and, without limitation, its officers, employees, and contractors will not be held liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, or investment value, arising from your use of the Service. You acknowledge that all investment decisions, property acquisitions, financing decisions, tax outcomes, currency fluctuations, market movements, and transaction results remain solely your responsibility. Our total aggregate liability, if any, and provided such liability has been definitively established, for any claim relating to the Service will not exceed the amount you paid us in the twelve (12) months before the claim arose. Nothing in these Terms excludes or limits liability that cannot be excluded under applicable law, including liability for death, personal injury, fraud, or gross negligence, or any mandatory consumer-protection rights you hold under the law of your country of residence.

11. Indemnification

You agree to indemnify and hold Capitarra harmless from any claims, losses, expenses (including reasonable legal fees), or other damages arising from your misuse of the Service or breach of these Terms, except to the extent caused by our own breach or negligence.

12. Suspension and Termination

We may suspend or terminate your access to the Service if you breach these Terms, misuse the Service, or for legal or security reasons, with notice where reasonably possible. You may stop using the Service and delete your account at any time. Provisions that, by their nature, should survive termination (including intellectual property, disclaimers, limitation of liability, and governing law) will survive.

13. Governing Law and Disputes

These Terms and our relationship hereunder are exclusively governed by, and construed and enforced in accordance with, the laws of the Netherlands, without giving effect to its conflict-of-law provisions or principles.

Subject to applicable consumer-protection laws, the courts of Amsterdam, the Netherlands shall have exclusive jurisdiction over claims, controversies, or disputes arising out of, or relating to, these Terms or the Service.

If you are a consumer habitually residing in the EEA or UK, you retain the mandatory consumer-protection rights available under the laws of your country of residence, if any, and may bring proceedings in your home jurisdiction where required by applicable law.

14. Additional Disclosures for US Customers

This section applies if you are a lawful resident and/or citizen of the United States.

• Auto-renewal. If you purchase a subscription Pass that renews automatically, we will clearly disclose the renewal price, frequency, and cancellation method before you subscribe, consistent with applicable state auto-renewal laws. You can cancel at any time from Settings; cancellation takes effect at the end of your then-current billing period, and you will not be charged for the next one(s).
• Sales tax. Where required by your state, applicable sales tax will be calculated and added at checkout.
• Mandatory state protections. The governing-law clause in Section 13 does not override any consumer-protection right that your state’s law does not allow to be waived by contract.

15. Additional Disclosures for Canadian Customers

This section applies if you are a lawful resident and/or citizen of Canada.

• Quebec — language of the contract. If you are a consumer residing in Quebec, you are entitled to receive these Terms, and to contract with us, in French; an English version is provided only because, and to the extent that, you have expressly requested it after being offered the French version.
• Quebec — cooling-off rights. Quebec’s Consumer Protection Act gives consumers certain cancellation rights for contracts concluded at a distance. As with the EEA/UK provision in Section 6, by confirming your purchase of a Report or Pass you acknowledge that the digital content is delivered to you immediately, to the extent this affects any such right under applicable Quebec law.
• Marketing communications. Any promotional emails we send you are sent consistent with Canada’s Anti-Spam Legislation (CASL) — with your prior consent and a working unsubscribe link in every message.

16. Changes to the Service and These Terms

We may modify or discontinue features of the Service and may update these Terms from time to time. We will post the updated Terms with a new "Last updated" date and, for material changes, provide additional notice. Continued use of the Service after changes take effect constitutes acceptance thereof.

17. General

• If any provision of these Terms is found invalid or unenforceable, the remaining provisions remain in full force and the unenforceable provision shall be reformed and construed so that it is valid and enforceable to the maximum extent permitted by law.
• These Terms, together with the Privacy Policy, are the complete and exclusive agreement between you and Capitarra regarding the Service.
• We are not liable for delays or failures in service caused by events beyond our reasonable control.
• Notices to you may be sent to the email address on your account; notices to us should go to legal@capitarra.com.

18. Contact

Rox Commerce LLC (operating Capitarra)
66 W. Flagler Street, Suite 900, Miami, FL, USA
Email: legal@capitarra.com