Terms of Use

1. Acceptance of terms

These Terms of Use govern access to and use of the institutional website of VOPM (Virtual Operating Models). By accessing or using this site, you agree to be bound by these terms in full. If you do not agree with any of them, we ask that you do not continue using the site.

2. Definitions

For the purposes of this document, "the Group", "we", or "VOPM" refers to VOPM Group and its affiliated companies; "the site" refers to this website and its subdomains; and "user" or "you" refers to any person who accesses the site.

3. Use of the site and user conduct

You agree to use the site in a lawful, responsible manner and in accordance with these terms. In particular, you agree not to:

• Take actions that may damage, disable, or overload the site’s infrastructure.
• Attempt to gain unauthorized access to restricted areas, systems, or data.
• Use the site to distribute unlawful, defamatory, or malicious content.
• Reproduce, copy, or exploit the content for commercial purposes without prior authorization.

4. Accounts and registration

Some sections may require the submission of contact information or registration. You are responsible for the accuracy of the data you provide and for maintaining the confidentiality of any credentials associated with its use.

5. Intellectual property

All site content —including text, logos, trademarks, images, graphics, design, and code— is the property of VOPM Group or its rightful owners, and is protected by intellectual and industrial property laws. Its reproduction, distribution, or transformation without express authorization is prohibited.

6. Third-party content and links

The site may contain links to portals of ecosystem companies or third parties. We assume no responsibility for the content, policies, or practices of external sites, access to which is at your own risk.

7. Ecosystem products and services

Information about VOPM Group’s companies and services (Umbrella, Panacrédito, CrediGo, and VOPM Skunkworks) is provided for informational purposes. The specific terms of each product or service are governed by the contracts and conditions of the corresponding company.

8. Disclaimer of warranties

The site and its content are provided "as is" and "as available". We do not warrant that the site is free of errors, interruptions, or vulnerabilities, or that the information is always current or complete.

9. Limitation of liability

To the maximum extent permitted by law, VOPM Group shall not be liable for direct, indirect, incidental, or consequential damages resulting from access to or use —or inability to use— the site or its content.

10. Indemnification

You agree to hold VOPM Group harmless from any claim, loss, or expense arising from the misuse of the site or from your breach of these terms.

11. Privacy

The processing of your personal data is governed by our Privacy Policy, which is an integral part of these Terms of Use.

12. Modifications

We may modify the site, its content, or these Terms of Use at any time and without prior notice. Continued use of the site after the changes are published implies acceptance.

13. Governing law and jurisdiction

These Terms of Use are governed by the laws of the Dominican Republic. Any dispute arising from their interpretation or application shall be submitted to the competent courts of the city of Santo Domingo, with the parties waiving any other jurisdiction that may correspond to them.

14. Contact

For any inquiries related to these Terms of Use, you can contact us through the form available in the Contact section.