Terms of Use

Services and Products

This website does not constitute investment advice or a personal recommendation to any person. In particular, it does not take into account the specific investment objectives, financial situation, or particular needs of any person. Any indication in this document that an investment instrument or investment strategy is “recommended”, “suggested”, or otherwise worthy of consideration is not intended and should not be construed to suggest that it would be a recommended or suitable investment for any particular investor. It is incumbent to seek investment advice as appropriate. Products and services displayed on this website may not be eligible for sale or available to residents of certain countries or certain categories of investors. The information published by Vazquez & Associates in this website does not constitute an offer or a recommendation nor is intended to provide legal, tax or investment advice; therefore, Vazquez & Associates recommends and advices that all investors independently evaluate and apply their own judgment to each issuer, security or instrument discussed in this publication.

Vazquez & Associates has used all reasonable skill and care in compiling the information contained in this website. The information and opinions have been obtained from or are based upon sources that are believed to be reliable, but the accuracy of the information presented cannot be guaranteed. Moreover, the information presented in this website is as of the date indicated, and neither Vazquez & Associates nor any of its affiliates shall have any obligation to update the information to reflect changes. Neither Vazquez & Associates nor any of its affiliates shall have any liability as a result of typographical or other errors in this document. No responsibility can be accepted for any loss allegedly arising from reliance upon this website.

Information Subject to Local Restrictions

This website and all information and functionality contained within it are not directed at or intended for use by any person resident or located in any jurisdiction where (1) the distribution of such information or functionality is contrary to the laws of such jurisdiction or (2) such distribution is prohibited without obtaining the necessary licenses or authorizations by the relevant branch, subsidiary or affiliate office of Vazquez & Associates, and such licenses or authorizations have not been obtained.

Forward Looking Statements

The Vazquez & Associates website may contain forward-looking statements. Undue reliance should not be placed on these statements. Forward-looking statements include information concerning possible or assumed future results of operations, goals, and objectives for future operations or market developments. These statements are typically identified by words such as “believe,” “anticipate,” “expect,” “plan,” “intend,” “estimate,” and similar expressions. It should be understood that such statements are not guarantees of performance or results, and that they involve risks, uncertainties, and assumptions. BancTrust & Co is under no obligation to (and expressly disclaims any such obligation to) update, adjust or modify its forward looking statements as a result of new information, future events, or otherwise.

No Warranty

The information and materials contained on the Vazquez & Associates website are provided on an “as is”, “where is” and “where available” basis. Vazquez & Associates makes no representations or warranties of any kind, either expressed or implied, with respect to the information and functionality contained in this website, including but not limited to warranties of title, non-infringement, merchantability or fitness for a particular purpose. Without limiting the foregoing, Vazquez & Associates does not warrant the accuracy, timeliness, completeness, reliability or availability of the Vazquez & Associates website or the information or results obtained from use of the Vazquez & Associates website. Vazquez & Associates makes no warranty as to the results that may be obtained from use of the Site or the information published in it, or as to the accuracy, reliability, completeness or content of any information, service or merchandise provided through the website. Vazquez & Associates does not endorse products or services appearing on linked websites or purchased via linked websites.

Neither Vazquez & Associates, its affiliates nor any of their respective employees, agents, third party content providers or licensors warrant that the Site or the information published in it, will be uninterrupted or error free; Vazquez & Associates will not be liable for any direct, indirect, special or consequential damages, economic or other, arising in any way out of the use of the Site, any on-line services or Internet browser software, including liability associated with any computer viruses which may infect the user´s computer system.

No Liability

To the fullest extent permitted by law, in no event shall Vazquez & Associates or any of its affiliates, directors, employees or agents have any responsibility or liability whatsoever for any direct, indirect, special, punitive, incidental or consequential damages or any damages whatsoever, loss, or bodily injury, liability, cost, claim, expense or damage of any kind, whether in contract or in tort, including negligence, or otherwise, arising out of or related to the use of all or part of this website or the information published in it, even if Vazquez & Associates has been advised of the possibility of such damages.

Third-Party Links

The Vazquez & Associates website may contain third-party content or links to third-party websites. These content and links are provided solely for your convenience and information, and therefore you access them at your own risk. Vazquez & Associates has no control over such third party websites, which shall be governed by their own and independent terms and conditions. Vazquez & Associates does not assume any responsibility or liability for and does not make any warranties or representations as to, any third-party content or websites, including but not limited to, the accuracy, subject matter, quality or timeliness. Vazquez & Associates shall have no liability for third-party content or websites or websites linking to or framing the Vazquez & Associates website.

Intellectual Property Rights; Personal and Non-Commercial Use Limitation

Vazquez & Associates retains all right, title and interest (including copyrights, trademarks, patents, as well as any other intellectual property or other right) in all information and content (including but not limited to all text, data, source code, graphics and logos) on the Vazquez & Associates website. Individual pages and/or sections of the Vazquez & Associates website may be printed for personal or internal use only, and provided that such printouts retain all applicable copyright or other proprietary notices. All users must not, without limitation, modify, copy, transmit, distribute, display, perform, reproduce, publish, license, frame, create derivative works from, transfer or otherwise use in any other way for commercial or public purposes, in whole or in part, including but not limited to any information, text, graphics, images, video clips, directories, databases, listings or software obtained from the Vazquez & Associates website, without the prior written permission of Vazquez & Associates. The systematic retrieval of content from the Vazquez & Associates website to create or compile, directly or indirectly, a collection, compilation, database or directory (whether through robots, spiders, automatic devices or manual processes) or creating links to the Vazquez & Associates website without written permission from Vazquez & Associates is prohibited.

Severability Clause

To the extent that any provision of these Terms and Conditions is found by any competent court or authority to be invalid, unlawful or unenforceable in any jurisdiction, that provision shall be deemed not to be part of these Terms and Conditions but such finding shall not affect the validity, lawfulness or enforceability of the remainder of these Terms and Conditions in that jurisdiction, nor shall it affect the validity, lawfulness or enforceability of these Terms and Conditions in any other jurisdiction.


You agree to indemnify, defend, and hold harmless Vazquez & Associates, its affiliates, officers, directors, employees, agents, licensors and suppliers (collectively the “Provider”) from and against all losses, expenses, damages and costs, including reasonable attorneys’ fees, resulting from any violation of these Terms and Conditions or any activity related to your Internet account (including negligent or wrongful conduct), by you or any other person accessing this website using your Internet account.

These Terms and Conditions and the information and materials contained in this website are subject to change without notice.