Terms and Conditions

Your use of our website is governed by the following terms and conditions ("Terms of Use"), as well as the Fortuna Heritage Privacy Policy and other operating rules, qualifications, and cautions posted throughout the website or presented to you individually during your use of the website (collectively, the “Terms”). The Terms govern your use of the website, and Fortuna Heritage reserves the right to update or replace them at any time without notice. You are advised to review the Terms for any changes when you visit the website, as you are bound by them even if you have not reviewed them. Your continued viewing and use of the website after such changes constitute your acceptance of the Terms. If you do not agree to the Terms, you should immediately cease using the website.

Intended Use of Website

Fortuna Heritage is not a broker-dealer or placement agent. At no time does Fortuna Heritage offer, broker, advise, purchase, sell, or otherwise transact in securities regulated by the European Securities and Markets Authority (ESMA), national authorities, or any other applicable law. Fortuna Heritage does not accept, hold, or transfer cash or securities, nor does it guarantee that a company seeking investment will achieve any level of success or that any proposed offering will qualify under applicable laws.

Fortuna Heritage is not a personal financial advisor. Whether through the website or otherwise, Fortuna Heritage does not provide personal financial advice, loans, credit, banking, consumer credit ratings, brokerage accounts, insurance, tax advice, legal advice, or financial or legal services of any kind.

User Registration

If you accept the Terms on behalf of an organization or entity, you represent and warrant that you are authorized to do so on behalf of that entity. Only persons aged 18 or over may register for an account and use the website. Registering for an account on the website does not create any obligation to invest. All information provided must be truthful, accurate, and complete. We may use third-party validation services to confirm your qualification to use the website.

Fortuna Heritage reserves the right to reject any registration that fails to meet its requirements.

Account Obligations

You are responsible for maintaining the confidentiality of your username and password. If you suspect unauthorized access, contact Fortuna Heritage immediately via a secure method.

Content Use Limitations

The website's content, including but not limited to videos, images, articles, data, software, trademarks, and other information ("Content"), may only be used for lawful purposes authorized by Fortuna Heritage. Unauthorized use of the Content or website may violate European or other applicable laws, including data protection, copyright, and identity theft regulations. Fortuna Heritage reserves the right to terminate accounts for violations and report them to relevant authorities.

Prospective Investor Accounts

Any person or entity considering an investment does so at their own risk. All investments carry the risk of partial or total loss. The website’s Content is not a substitute for due diligence, financial, tax, or legal advice. You should consult with qualified professionals regarding your personal circumstances. Fortuna Heritage is not responsible for verifying the information you provide, even if a suitability review is performed.

Website Fees

Fortuna Heritage may assess non-refundable processing fees if investments are returned or applications do not pass verification.

Investing Is at Your Own Risk

All investments involve risk. Past performance is not a guarantee of future results, and hypothetical projections may not reflect actual performance. Fortuna Heritage makes no guarantees about returns or outcomes. You are encouraged to seek independent legal, tax, or financial advice before making any investment decisions.

Termination of Account

Fortuna Heritage reserves the right to suspend or terminate your account for any lawful reason without liability for any resulting harm.

Use of the Website and Content

You may not copy, reproduce, distribute, republish, or transmit the website’s Content without the prior written consent of an authorized officer of Fortuna Heritage.

Availability of Website

Fortuna Heritage does not warrant that the website will be uninterrupted or free of errors, viruses, or security risks. By using the website, you release Fortuna Heritage from any loss or damage arising from your use of the website.

Disclaimers, Exclusions, and Limitations of Liability

The website and its Content are provided “as is” and at your own risk. To the fullest extent permitted by law, Fortuna Heritage disclaims all warranties, whether express or implied. Fortuna Heritage is not liable for any damages, including direct, indirect, incidental, or consequential damages, arising from your use of the website or its Content.

Governing Law and Dispute Resolution

These Terms are governed by the laws of Portugal, the European Union, and any applicable international laws. Any disputes arising from the use of the website or its Content will be resolved in accordance with the laws and courts of Portugal.

Waiver

Failure of Fortuna Heritage to insist upon strict performance of any provision of the Terms, or failure to exercise any right or remedy to which it is entitled, shall not constitute a waiver of such provision or right. This does not affect the validity of the Terms or Fortuna Heritage's right to enforce each and every provision at any time. If any part of these Terms is deemed invalid or unenforceable for any reason, the invalid or unenforceable provision will be severed, and the remaining Terms will continue in full force and effect.

Electronic Funds Transfers (EFTs)

Fortuna Heritage may process Electronic Funds Transfers (EFTs) as an efficient method to receive deposits, purchase and redeem investments, and issue refunds. EFTs will be processed through the following methods:

• The Automated Clearing House (ACH)

• The Fedwire

• Credit Card

Electronic Funds Transfers Agreement and Disclosure

This Electronic Funds Transfers Agreement and Disclosure ("Agreement") outlines your and Fortuna Heritage's rights and responsibilities concerning the EFT services offered. The terms “you,” “your,” and “yours” refer to individuals who register on the Fortuna Heritage platform and utilize it to participate in offerings (and any authorized users). The terms “we,” “us,” and “our” refer to Fortuna Heritage.

EFTs are electronic transfers of money from your bank or credit card account, which you initiate through the platform. By using any EFT service provided by Fortuna Heritage, you agree to the terms in this Agreement and any future amendments related to EFT services.

To use Fortuna Heritage’s payment services, you authorize us to share your identity, bank, and credit card account data with third-party financial service providers or payment processors to facilitate EFTs. You are responsible for the accuracy of the data provided. You acknowledge and agree that any processing of EFTs is based on your instructions, and Fortuna Heritage will not be liable for any losses, expenses, or costs arising from EFT services initiated by you through the platform.