Master Terms of Service, Payment Terms, Platform Disclosures & User Agreement

1. Introduction

These Terms of Service, Conditions of Use, Disclosures and General Platform Agreement (the "Terms", "Agreement") constitute a legally binding agreement between any individual or entity that accesses, registers for, uses, browses, interacts with or continues using the technology platform known as LLAVE ("Llave", the "Platform", the "Company", "we", "our" or "us") and Llave, including its affiliates, subsidiaries, officers, directors, employees, contractors, payment processors, technology providers, APIs, integrations, business partners and authorized representatives.

By accessing or using the Platform, the User acknowledges that they have read, understood and accepted these Terms. Continued use of the Platform constitutes binding electronic acceptance of all provisions contained herein. If you do not agree to these Terms, you must immediately cease all access and use of the Platform.

2. Definitions

For purposes of this Agreement, the following definitions shall apply:

"Tenant" means any individual or entity occupying, intending to occupy, or making rental payments related to a property registered within the Platform.

"Landlord" means any individual or entity owning, controlling or managing a property registered within the Platform.

"Property Manager" means any individual or entity administering properties, rentals, operations or maintenance on behalf of third parties.

"Realtor", "Broker" or "Agent" means any individual or entity engaged in real estate brokerage, promotion or intermediary activities.

"Transaction" means any electronic instruction, payment request, ACH activity, transfer, communication or financial activity facilitated through the Platform.

"Third-Party Provider" means any bank, credit union, ACH processor, payment processor, gateway, API provider, cloud provider, MLS provider, credit bureau or third-party technology service used by Llave.

"User" means any individual or entity who creates an account on or otherwise accesses the Platform, regardless of role designation.

"User Content" means any lease, contract, document, photograph, inspection report, message, video, file or other content uploaded, shared or transmitted through the Platform by any User. For the avoidance of doubt, data, credentials, verification details, and rental or transactional histories populated directly by a Tenant within their personal profile constitute the Tenant's User Content and remain under the independent ownership and control of said Tenant.

3. Eligibility & Account Registration

To register for and use the Platform, the User must meet and maintain the following criteria:

1. Be at least eighteen (18) years of age or the applicable age of majority in their jurisdiction of residence;
2. Have the full legal capacity to enter into binding contracts under applicable law;
3. Provide accurate, current, truthful, and complete registration information; and
4. Not have been previously suspended, terminated, or banned from the Platform.

The User shall not create accounts on behalf of another individual or entity without express written authorization. The use of automated tools, scrapers, scripts, or bots to create accounts or interact with the Platform is strictly prohibited. Llave may, at its sole discretion and without obligation of approval, request additional documentation, perform identity verifications, limit functionalities, reject applicants, freeze accounts, suspend access, or require additional regulatory compliance reviews.

The User shall be solely responsible for maintaining the absolute confidentiality and security of all credentials, passwords, devices, multi-factor authentication codes, and authentication methods associated with the Platform. The User agrees to notify Llave immediately at info@llavepr.com upon discovering any unauthorized access, suspected credential theft, or security breach. In the event of the death or legal incapacity of an account holder, the account will be subject to immediate suspension pending the presentation of appropriate, validated legal documentation from authorized representatives of the estate or legal guardians.

4. Limited Nature of the Platform

Llave is exclusively a technology and fintech software platform focused on administrative, operational, documentation, and payment facilitation tools related to properties, rentals, and property operations. The Platform provides automation tools, communication features, dashboards, analytics, portfolio management, asset management tools, document management, technological integrations, and electronic payment facilitation through authorized third parties.

IMPORTANT LEGAL DISCLOSURE: Under no circumstances shall Llave be considered, interpreted, or act as a bank, credit union, certified financial institution, escrow provider, fiduciary, money transmitter, property manager, realtor, broker, lender, mortgage company, insurer, financial advisor, legal attorney, CPA, credit reporting agency, regulatory authority, or guarantor of contractual performance.

Furthermore, the User acknowledges that Llave is not a party to any lease agreement, brokerage agreement, maintenance agreement, commission agreement, management agreement, or any other contractual relationship entered into between Users of the Platform. All legal, financial, operational, and contractual relationships related to properties, rentals, maintenance, occupancy, commissions, deposits, or payments exist exclusively between the corresponding Users. Llave does not guarantee, endorse, or assume responsibility for the legality, validity, enforceability, accuracy, or regulatory compliance of any contracts, leases, documents, communications, inspections, reports, claims, or transactions conducted between Users.

5. No Custody of Funds

The User acknowledges and agrees that Llave does not receive, hold, control, administer, or maintain custody of User funds. Llave does not operate escrow accounts, fiduciary accounts, virtual wallets, financial reserves, or stored-value balances. All financial transactions processed through the Platform depend exclusively on independent third parties, including banks, ACH networks, clearing houses, card networks, payment processors, gateways, financial APIs, and depository institutions.

Llave does not control settlement timelines, availability of funds, banking approvals, fraud validations, ACH operations, or financial clearances. Accordingly, Llave shall not be liable or responsible for banking delays, chargebacks, payment reversals, ACH errors, insufficient funds (NSF) events, frozen accounts, closed accounts, or any financial losses involving Third-Party Providers.

6. Relationship Between Parties

All relationships related to rentals, leases, brokerage, maintenance, inspections, deposits, occupancy, commissions, management services, or property operations exist exclusively between the corresponding Users. Llave is not a contractual party to any agreement entered into between Users and does not assume obligations related to rent collection, property maintenance, evictions, physical repairs, brokerage representation, on-site inspections, occupancy legalities, or the accounting and return of security deposits. Nothing within the Platform or these Terms shall be interpreted as creating a fiduciary relationship, agency relationship, partnership, joint venture, or employer-employee relationship between Llave and any User.

7. Acceptable Use Policy

The User agrees to use the Platform exclusively for lawful purposes and in strict accordance with these Terms. The following activities are completely prohibited:

• Using the Platform to facilitate fraudulent leases, unauthorized financial transactions, identity theft, or misrepresentation of property ownership/occupancy status;
• Uploading, transmitting, or sharing malicious code, viruses, malware, ransomware, logic bombs, or any content designed to compromise the integrity or security of the Platform or other Users' systems;
• Engaging in harassment, defamation, abusive communications, extortion, or threatening conduct directed at other Users or Llave personnel;
• Scraping, crawling, reverse engineering, decompiling, disassembling, or otherwise attempting to extract or replicate the Platform's source code, underlying algorithms, or proprietary data;
• Reselling, sublicensing, mirroring, or commercially exploiting Platform data, analytics, features, or tools without express prior written authorization from Llave;
• Violating any applicable fair housing laws, anti-discrimination statutes, local tenant protection laws, or equal opportunity housing regulations;
• Creating multiple accounts for deceptive purposes or using the Platform under false identities or unauthorized corporate veils;
• Using the Platform to engage in any activity that violates applicable local, state, federal, or Commonwealth of Puerto Rico law; and
• Attempting to circumvent, breach, or test any security, authentication, access control, encryption, or rate-limiting mechanism of the Platform.

Llave reserves the absolute right to investigate suspected violations of this Policy, remove non-compliant content, and immediately terminate or suspend accounts of Users who breach these directives, with or without prior notice, and report unlawful actions to law enforcement authorities.

8. Payments & ACH Authorization

The User acknowledges and agrees that all transactions processed through the Platform depend on independent Third-Party Providers. Llave solely facilitates electronic instructions and technological connections between Users and authorized financial service providers, and under no circumstances does Llave receive, hold, or control User funds. The User expressly authorizes Llave and its authorized providers to initiate electronic debit and credit instructions, perform bank account validations, conduct permitted transaction retries, and process electronic payment-related operations as permitted by applicable laws and operating rules (including NACHA regulations).

The User accepts all inherent risks associated with electronic transactions, including financial fraud, unauthorized chargebacks, insufficient funds, ACH routing errors, banking interruptions, technological outages, regulatory constraints, and Third-Party Provider operational or infrastructure failures.

9. Subscription, Fees & Billing

Access to certain features, premium tier capabilities, or administrative tools of the Platform requires the payment of subscription fees. The applicable fees, billing cycles, and plan structures are set forth on the Platform's pricing documentation, which may be modified or updated by Llave from time to time with appropriate notice.

9.1 Billing Cycles & Auto-Renewal

Subscriptions are billed on a recurring monthly or annual basis, as selected by the User at the time of purchase. All subscriptions automatically renew at the end of each billing period unless explicitly cancelled by the User prior to the upcoming renewal date. Llave will provide advance automated notice of upcoming renewals via the email address registered on file.

9.2 Cancellation

The User may cancel their subscription at any time through the Platform's account settings. Cancellation takes effect at the end of the current, active billing period. Llave does not provide prorated refunds or credits for partial billing periods or unused features unless explicitly required by applicable law.

9.3 Refunds

All fees are non-refundable except as expressly stated herein or as required by mandated consumer protection statutes. Requests for refunds based on catastrophic technical failures directly attributable to Llave will be evaluated on a case-by-case basis at the sole discretion of Llave management.

9.4 Data Retention Upon Cancellation & The Tenant Exception

Following the cancellation or termination of a Landlord or Property Manager account, data and documents stored on the Platform directly associated with that specific Landlord/Property Manager profile will be retained for a standard period of sixty (60) days, during which the User may export such data. After the expiration of this 60-day period, Llave may permanently delete or anonymize all such associated data, and Landlords will lose all access to tenant data associated with their historical properties.

9.4.1 Tenant Profile Independence Exception

Notwithstanding the termination, cancellation, or deletion of a Landlord or Property Manager account, any independent profiles, verifications, credentials, credentials-history, or accounts created directly by Tenants shall remain active, portable, and unaffected. Because Tenants establish their own direct contractual profile relationship with the Platform, Llave will not delete a Tenant's profile, payment history, or independently uploaded documents due to a Landlord's account cancellation, unless explicitly requested for total erasure by the Tenant themselves pursuant to their right to be forgotten or as required by law.

10. Tenant Responsibilities

The Tenant acknowledges that they remain fully and exclusively responsible for fulfilling all lease obligations, including rent payments, utility reimbursements, safety deposits, occupancy limitations, and general compliance with lease terms, regardless of the availability, uptime, or functionality of the Platform. The Tenant is solely responsible for verifying transaction amounts, payment due dates, account balances, availability of funds, and successful payment completion confirmations. Llave shall not be held liable or responsible for evictions, late payment penalties, legal fees, housing loss, negative credit reporting, contractual breaches, or legal claims arising from nonpayment, late payment, or payment-related processing errors.

10.3 Profile Accuracy and Identity

The Tenant warrants that all information provided in their user profile — including employment history, income documentation, references, credit claims, and identity verification details — is true, accurate, and current. Llave does not verify or audit the truthfulness of Tenant-generated profile data and disclaims all liability to Landlords, Property Managers, or third parties for any misrepresentations, omissions, or fraudulent data contained within a Tenant profile.

11. Landlord Responsibilities

The Landlord acknowledges and explicitly accepts that Llave does not guarantee rent collection, tenant solvency, lease contractual compliance, vacancy filling, property occupancy continuity, legal validity of system-provided templates, or tenant financial capability. Llave shall not be responsible or liable for any loss of rental income, property damage, unlawful tenant occupancy, tenant fraud, legally invalid contracts, operational failures, or civil disputes arising between tenants and landlords.

12. Property Manager Responsibilities

The Property Manager acknowledges that they remain fully and exclusively responsible for day-to-day property administration, maintenance oversight, operational management, staffing, vendor coordination, licensing, and local housing regulatory compliance related to all managed properties. Llave does not supervise operations, manage physical maintenance requests, or assume any operational responsibility or physical oversight related to managed properties.

13. Documents & User Content

Each User remains solely responsible for any lease, contract, document, photograph, inspection report, message, video, file, or content uploaded, shared, or transmitted through the Platform. Llave does not validate, edit, or check the authenticity, legality, enforceability, accuracy, or regulatory compliance of User Content or uploaded documents. The User grants Llave a limited, non-exclusive, sublicensable, and revocable license to store, transmit, process, analyze, and display uploaded content solely for operational Platform purposes and to provide services requested by the User. This license terminates upon explicit deletion of the User's account, subject to the data retention obligations described in Section 9.4.

13.4 Sensitive Personal Information Restriction

Users are strictly prohibited from uploading, storing, or transmitting unencrypted, highly sensitive personal information — including but not limited to raw Social Security Numbers (SSNs), national identification numbers, full unmasked credit card numbers, or raw scans of driver's licenses — within open-text fields, chat functionalities, or general file attachment features of the Platform. Such data must only be entered into fields explicitly designated for identity verification or payment processing. Llave disclaims all liability for unauthorized access, data leaks, or breaches of sensitive information uploaded in violation of this section.

14. Intellectual Property

Llave and its licensors retain exclusive ownership of all right, title, and interest in and to the Platform, including all underlying software, source code, algorithms, database structures, architectures, visual UI/UX designs, trademarks, service marks, trade names, logos, documentation, analytics methodologies, AI models, and all other intellectual property embodied in or generated by the Platform ("Llave IP").

Subject to these Terms, Llave grants the User a limited, non-exclusive, non-transferable, non-sublicensable, and revocable license to access and use the Platform solely for its intended operational property management purposes. This license does not constitute a transfer of ownership of any Llave IP. The User shall not copy, modify, distribute, sell, sublicense, reverse engineer, decompile, or create derivative works based on any Llave IP without express prior written consent from Llave. Feedback, suggestions, or improvement ideas submitted by Users to Llave may be utilized by Llave without restriction, financial compensation, or attribution to the submitting User.

15. Asset Management, Market Intelligence & AI

Llave may provide functionalities related to asset management, market intelligence, portfolio analytics, financial forecasting, automated valuations, ROI estimates, cap rate analytics, benchmarking, AI-generated recommendations, and operational insights. The User expressly acknowledges and agrees that all such information is automated, estimated, and purely informational in nature.

No valuation, prediction, recommendation, benchmark, forecast, or AI-generated insight constitutes a guarantee of financial performance, profitability, valuation appreciation, investment return, or future results. Llave does not guarantee the accuracy, completeness, timeliness, or reliability of third-party data sources, including MLS providers, public property registries, APIs, banks, or external integrations. No functionality provided through the Platform constitutes legal, tax, financial, mortgage, or investment advice. All investment, leasing, financing, management, and property-related decisions remain solely the responsibility of the User. Llave shall not be liable for financial losses, regulatory non-compliance, inaccurate valuations, forecasting errors, AI hallucinations, or loss of business opportunities arising from the use of analytics or AI-driven tools.

16. Credit Reporting Disclaimer

If Llave offers functionalities related to rent reporting or credit reporting integrations, the User acknowledges that Llave does not guarantee credit score increases, financing approvals, reporting continuity, historical acceptance by financial institutions, or accuracy of third-party credit bureau data. All reporting activities depend on independent third parties and are subject to operational delays, modifications, interruptions, or regulatory limitations outside Llave's control.

17. Third-Party Dependencies

The Platform relies significantly on third-party providers, including banks, payment gateways, credit bureaus, identity verification services, cloud hosting providers, internet service providers, MLS providers, and external technology vendors. Llave does not guarantee uninterrupted operation, universal device compatibility, server uptime, data synchronization accuracy, or continuity of services dependent upon third-party systems. Llave is not responsible for the acts, omissions, privacy practices, data breaches, terms, or content of any third-party provider integrated into the Platform. Users are encouraged to review the applicable terms of service and privacy policies of any Third-Party Provider whose services they access through the Platform.

18. Cybersecurity & Privacy

18.1 Security Measures

Although Llave implements commercially reasonable physical, administrative, and technological security measures, no technological system is completely secure. The User acknowledges and accepts the inherent risks associated with data transmissions over the internet, hacking, phishing, malware, ransomware, unauthorized access, data breaches, and general cybersecurity events. Llave does not guarantee absolute protection against technological threats or security incidents beyond its reasonable control.

18.2 Data Collection, Use, and Legal Roles

Llave collects, stores, and processes User data as necessary to operate the Platform, process financial transactions, ensure network security, comply with legal obligations, and improve Platform functionality. Llave does not sell User personal data to third parties for their own marketing purposes. Data may be shared with Third-Party Providers strictly as necessary to provide Platform services, subject to appropriate data processing agreements.

18.2.1 Data Roles under Privacy Laws

The Parties acknowledge and agree that for the purposes of applicable data protection laws, the Landlord or Property Manager acts as the "Data Controller" (or "Business") and Llave acts as the "Data Processor" (or "Service Provider") regarding Tenant data uploaded by the Landlord. Conversely, for profiles and data created and maintained directly by the Tenant, Llave establishes a direct service relationship. The Landlord represents and warrants that they have obtained all necessary explicit consents, provided all required privacy disclosures, and possess a valid legal basis under applicable law to collect, upload, and process the personal data of Tenants, applicants, or co-signers through the Platform. Landlord agrees to indemnify, defend, and hold Llave harmless against any third-party claims, tenant privacy actions, regulatory fines, or damages arising out of a breach of privacy rights caused by the Landlord's failure to secure proper authorization.

For complete information regarding data collection, use, sharing, and specific User rights, please refer to Llave's full, separate Privacy Policy.

18.3 Cookies & Tracking

The Platform may use cookies, pixel tags, local storage, and similar tracking technologies to enhance User experience, analyze usage patterns, secure accounts, and support Platform functionality. Users may manage cookie preferences through their browser settings, though disabling certain cookies may directly affect Platform functionality and user experience.

19. Fair Housing & Non-Discrimination

Llave is committed to equal access and non-discrimination. Users of the Platform are strictly prohibited from using any tool or functionality of the Platform in violation of the federal Fair Housing Act (42 U.S.C. § 3601 et seq.), applicable Puerto Rico anti-discrimination laws (including Act No. 131 of 1943, as amended), and any other applicable equal opportunity housing statutes. Users shall not use the Platform to discriminate against any person on the basis of race, color, national origin, religion, sex, familial status, disability, age, political ideas, or any other characteristic protected by applicable law in connection with any housing transaction, lease, screening, listing, or communication.

Llave reserves the right to immediately suspend or terminate any account found to be in violation of applicable fair housing laws or Llave's non-discrimination policy.

Civil Hold Harmless

Llave provides technological automation tools blindly and neutrally. The configuration of lease parameters, tenant selection criteria, eviction notices, and rent pricing is executed solely at the discretion and legal risk of the User. Llave shall not be liable for, and the User shall defend and hold Llave harmless against, any regulatory enforcement actions or civil claims alleging housing discrimination resulting from the User's specific configurations, criteria inputs, or use of the Platform.

20. Account Suspension & Termination

20.1 Termination by User

Users may terminate their account at any time by contacting Llave at info@llavepr.com or through the account settings interface. Termination does not relieve the User of any outstanding payment obligations, recurring subscription balances, or liabilities incurred prior to the effective date of termination.

20.2 Termination by Llave — For Cause

Llave may immediately suspend or terminate any account, without prior notice and without liability, upon: (i) breach of any provision of these Terms; (ii) fraudulent, unlawful, or abusive conduct; (iii) failure to pay applicable subscription fees; (iv) violation of the Acceptable Use Policy; or (v) any activity that Llave reasonably believes poses an operational, reputational, or financial risk to the Platform, other Users, or third-party financial institutions.

20.3 Termination by Llave — Without Cause

Llave may terminate any account without cause upon thirty (30) days' written notice sent to the email address on file.

20.4 Effect of Termination

Upon termination, the User's right to access the Platform ceases immediately. Llave will retain User data only for the period and under the conditions described in Section 9.4, after which it may be permanently deleted or anonymized, subject to Tenant profile independence. Provisions related to intellectual property, indemnification, limitation of liability, arbitration, and payment obligations survive termination.

21. Limitation of Liability

To the fullest extent permitted by applicable law, Llave, its affiliates, officers, directors, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, punitive, special, or exemplary damages, including but not limited to loss of income, loss of rent, loss of profits, loss of data, data breach expenses, reputational harm, emotional distress, business interruption, AI tool errors, valuation inaccuracies, banking partner failures, or disputes arising between Users.

Llave's maximum aggregate liability to any User for any claim arising under or related to these Terms, whether in contract, tort, or otherwise, shall not exceed the greater of: (i) the total fees actually paid by the User to Llave during the twelve (12) months immediately preceding the event giving rise to the claim; or (ii) one hundred U.S. dollars (USD $100.00). To the extent that any jurisdiction does not allow the exclusion or limitation of certain damages, Llave's liability shall be limited to the maximum extent legally permitted by said jurisdiction.

22. Indemnification

The User agrees to indemnify, defend, and hold harmless Llave, its affiliates, officers, directors, employees, contractors, agents, and licensors from and against any third-party claims, lawsuits, investigations, regulatory penalties, losses, liabilities, damages, costs, or legal expenses (including reasonable attorneys' fees) arising from or relating to: (i) the User's usage or misuse of the Platform; (ii) transactions, rent payments, lease execution, or physical property disputes; (iii) fraud, identity misrepresentation, or data manipulation; (iv) contractual breaches of these Terms; (v) User Content; (vi) negligent or willful misconduct; or (vii) violation of any applicable local, federal, or international law.

23. Force Majeure & Local Infrastructure

Llave shall not be held liable or responsible for any failure or delay in performing its obligations under these Terms to the extent such failure or delay is caused by events, crises, or conditions beyond Llave's reasonable control. Given the location of operations in the Commonwealth of Puerto Rico, such events explicitly include natural disasters, tropical storms, hurricanes, earthquakes, floods, widespread power grid failures, telecommunications infrastructure collapse, water shortages, pandemics, governmental actions, acts of war, cyberattacks, internet backbone outages, labor disruptions, or systemic failures of Third-Party financial Providers. In such events, Llave will provide notice to affected Users as soon as reasonably practicable and will use commercially reasonable efforts to restore system functionality as infrastructure allows.

24. Regulatory Compliance

Llave operates as a technology and fintech platform and is committed to maintaining commercially reasonable compliance practices consistent with applicable federal laws, regulations, and operational standards governing technology platforms, electronic payments, financial technology services, and data security requirements. Llave's operations, integrations, and payment facilitation activities are intended to comply, to the extent applicable, with relevant laws and regulations of the United States, including applicable federal fintech, electronic payment, cybersecurity, privacy, anti-fraud, Anti-Money Laundering (AML), and electronic transaction frameworks, as well as the applicable laws and regulations of the Commonwealth of Puerto Rico.

The User acknowledges and agrees that Llave is not a bank, money transmitter, escrow institution, fiduciary institution, or licensed financial depository institution, and therefore certain banking, lending, or custodial regulations may not apply to the Platform. Users agree to cooperate fully with any reasonable compliance request, including identity verification, AML inquiries, OFAC screenings, or other compliance procedures required by Llave or its Third-Party Providers. Llave reserves the right to suspend, reject, delay, limit, or terminate access to the Platform, transactions, or functionalities if necessary to comply with applicable laws, governmental requests, processor obligations, or internal risk-management policies.

25. Arbitration & Governing Law

25.1 Governing Law

These Terms, and all claims or disputes arising out of or relating to this Agreement, shall be governed by, construed, and enforced in accordance with the laws of the Commonwealth of Puerto Rico and applicable federal laws of the United States, without regard to conflict of laws principles.

25.2 Mandatory Binding Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms, the Platform, or the contractual relationship between Llave and the User shall be resolved exclusively through final and binding individual arbitration administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules. Arbitration shall take place in San Juan, Puerto Rico, unless otherwise explicitly agreed by the parties in writing. The arbitrator shall have the exclusive authority to award any remedy available at law or in equity, subject to the limitations of liability set forth in these Terms. Arbitration fees shall be allocated in accordance with AAA rules, except that Llave will bear any filing fees that exceed what the User would pay to file an identical claim in a court of law. Each party shall bear its own attorneys' fees unless the arbitrator explicitly finds a claim or defense to be frivolous or brought in bad faith.

25.3 Small Claims Carve-Out

Notwithstanding the foregoing arbitration mandate, either party may bring an individual action in a small claims court of competent jurisdiction (such as the Municipal Court of Puerto Rico) for disputes entirely within that specific court's jurisdictional financial limits.

25.4 Class Action & Jury Waiver

The User and Llave expressly waive any right to participate in class actions, collective claims, private attorney general actions, representative actions, or jury trials. All claims must be brought on an individual basis only.

26. Modifications

Llave reserves the right to modify or update these Terms at any time. For material changes that impact User rights, subscription fees, or liabilities, Llave will provide at least thirty (30) days' advance notice via email to the address on file or through a prominent, mandatory in-Platform notification. The User's continued use of the Platform following the effective date of any modification constitutes full, binding acceptance of the updated Terms. If the User does not agree to the revised Terms, they must cease using the Platform and may terminate their account pursuant to Section 20.1. For non-material changes (including typographical corrections, structural clarifications, or administrative updates), Llave may modify these Terms without advance notice, with updates reflected via the "Last Updated" date.

27. Language & Bilingual Notice

These Terms are executed and provided primarily in the English language. Llave may, at its discretion, provide an official Spanish-language version of these Terms for the transactional convenience of Users in the Puerto Rico market. In the event of any operational conflict, ambiguity, or inconsistency between the English version and any Spanish translation, the English version shall legally govern and control. Users who require assistance understanding these Terms in Spanish may contact Llave at info@llavepr.com.

28. Entire Agreement & Severability

These Terms, together with the Privacy Policy and any other agreements explicitly incorporated herein by reference, constitute the complete and entire agreement between Llave and the User with respect to the Platform, superseding all prior or contemporaneous oral or written agreements, representations, advertisements, or understandings. If any provision of these Terms is found by a court or arbitrator of competent jurisdiction to be invalid, illegal, or unenforceable, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, and the remaining provisions of the Agreement shall continue in full force and effect. No waiver by Llave of any breach or default shall be deemed a waiver of any subsequent breach.

29. Survival

Provisions related to intellectual property ownership, mandatory arbitration, class action waivers, indemnification, limitation of liability, compliance obligations, AI and forecasting disclaimers, payment obligations, data retention timelines, and privacy protections shall fully survive account termination or cancellation of these Terms.

30. Contact Information

For questions, formal complaints, or official legal notices related to these Terms, please contact:

Email: info@llavepr.com

Website: www.llavepr.com

Mailing Address: San Juan, Puerto Rico