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Terms & Conditions

TERMS & CONDITIONS

Last updated: October 7, 2026

 

Please read these Terms & Conditions carefully before using the Service.

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1. Interpretation

The words whose initial letters are capitalized have meanings defined below. These definitions apply whether the terms appear in the singular or plural.

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2. Definitions

For purposes of these Terms:

  • “Affiliate” means an entity that controls, is controlled by, or is under common control with a party, where “control” means ownership of 50.1% or more of the shares, equity interests, or other securities entitled to vote for the election of directors or other managing authority.

  • “Company,” “We,” “Us,” or “Our” refers to Pagitsas Ventures LLC dba Pagitsas Advisors.

  • “Country” refers to the United States.

  • “Device” means any device capable of accessing the Service, including a computer, mobile phone, tablet, or similar device.

  • “Service” means the Website and any related online services made available by the Company.

  • “Terms” or “Terms & Conditions” means these Terms & Conditions and any applicable policies or documents incorporated into them.

  • “Third-Party Services” means websites, applications, services, content, products, or other resources provided by third parties that may be linked to, integrated with, or made available through the Service.

  • “Website” means www.pagitsasadvisors.com and any other website or domain operated by the Company in connection with the Service.

  • “You” or “Your” means the individual accessing or using the Service or, where applicable, the company or other legal entity on whose behalf the individual is accessing or using the Service.

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3. Acknowledgment and Acceptance

These Terms govern your access to and use of the Service and constitute an agreement between you and the Company.

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By accessing or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with these Terms, you must not access or use the Service.

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Your use of the Service is also subject to our Privacy Policy, which is incorporated into these Terms by reference.

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You represent that you are at least 13 years old. The Service is not directed to children under 13, and the Company does not knowingly collect personal information from children under 13.

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4. Informational Purposes Only; No Professional Advice

The information provided through the Service is for general informational purposes only. Nothing on the Service constitutes legal, financial, investment, tax, accounting, or other professional advice.

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Your use of the Service does not create an attorney-client, accountant-client, investment-adviser, fiduciary, or other professional relationship between you and the Company.

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You should consult an appropriately qualified professional regarding your particular circumstances before making decisions based on information obtained through the Service.

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5. Intellectual Property

The Service and its original content, features, functionality, graphics, text, logos, designs, and other materials are owned by the Company or its licensors and are protected by applicable intellectual-property laws.

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Except as expressly permitted by the Company in writing or by applicable law, you may not reproduce, distribute, modify, create derivative works from, publicly display, publicly perform, republish, download, store, transmit, or otherwise exploit material made available through the Service.

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You may access and use the Service for lawful personal or business purposes consistent with these Terms.

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6. User Conduct and Prohibited Uses

You agree not to use the Service:

  • For any unlawful purpose or in violation of applicable law or regulation;

  • To solicit others to participate in unlawful activity;

  • To transmit malicious code, viruses, malware, or other harmful material;

  • To attempt to gain unauthorized access to the Service, its systems, accounts, or networks;

  • To interfere with or disrupt the security, integrity, availability, or proper operation of the Service;

  • To impersonate another person or entity or misrepresent your affiliation with any person or entity;

  • To collect or harvest information from the Service through unauthorized automated means; or

  • In any manner that could damage, disable, overburden, or impair the Service or interfere with another person's use of the Service.

 

7. Third-Party Websites and Services

The Service may contain links to third-party websites, applications, or services that are not owned or controlled by the Company.

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The Company does not control and is not responsible for the content, availability, privacy practices, security, or policies of third-party websites or services.

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Your use of any third-party website or service is governed by that third party's applicable terms and policies. You should review the terms and privacy policies of third-party websites or services before using them.

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The inclusion of a link does not constitute or imply an endorsement, sponsorship, or recommendation by the Company.

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8. Availability and Changes to the Service

We may modify, suspend, discontinue, or restrict access to all or part of the Service at any time, with or without notice.

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We do not guarantee that the Service will always be available, uninterrupted, secure, or error-free.

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9. Termination

We may suspend or terminate your access to the Service immediately, without prior notice or liability, if you violate these Terms or if we reasonably believe that suspension or termination is necessary to protect the Company, the Service, other users, or third parties.

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Upon termination, your right to use the Service will cease immediately.

 

Provisions of these Terms that by their nature should survive termination will survive, including provisions concerning intellectual property, disclaimers, limitations of liability, dispute resolution, and governing law.

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10. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

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TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY AND ITS AFFILIATES, LICENSORS, SERVICE PROVIDERS, AND SUPPLIERS DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

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THE COMPANY DOES NOT WARRANT OR REPRESENT THAT:

  • THE SERVICE WILL MEET YOUR REQUIREMENTS;

  • THE SERVICE WILL ACHIEVE ANY PARTICULAR RESULT;

  • THE SERVICE WILL BE COMPATIBLE WITH ANY PARTICULAR SOFTWARE, APPLICATION, SYSTEM, OR SERVICE;

  • THE SERVICE WILL BE AVAILABLE WITHOUT INTERRUPTION;

  • THE SERVICE WILL BE SECURE OR ERROR-FREE;

  • INFORMATION PROVIDED THROUGH THE SERVICE WILL ALWAYS BE ACCURATE, COMPLETE, CURRENT, OR RELIABLE; OR

  • DEFECTS OR ERRORS WILL BE CORRECTED.

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Nothing in these Terms excludes or limits any warranty, right, or remedy that cannot lawfully be excluded or limited under applicable law.

 

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY AND ITS AFFILIATES, LICENSORS, SERVICE PROVIDERS, AND SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, LOSS OF DATA, LOSS OF BUSINESS, BUSINESS INTERRUPTION, OR LOSS OF GOODWILL, ARISING OUT OF OR RELATING TO YOUR ACCESS TO OR USE OF, OR INABILITY TO ACCESS OR USE, THE SERVICE.

 

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE TOTAL LIABILITY OF THE COMPANY AND ITS AFFILIATES, LICENSORS, SERVICE PROVIDERS, AND SUPPLIERS ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO THE COMPANY THROUGH THE SERVICE DURING THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM OR (B) $100.

 

Nothing in these Terms limits liability that cannot legally be limited or excluded under applicable law.

 

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the District of Columbia, United States, without regard to its conflict-of-law principles, except to the extent that applicable law requires otherwise.

 

13. Dispute Resolution

If you have a concern or dispute regarding the Service, you agree to first attempt to resolve the matter informally by contacting the Company at info@pagitsasadvisors.com.

 

If the matter cannot be resolved informally, any dispute will be handled in accordance with the arbitration and dispute-resolution provisions below, except where prohibited by applicable law.

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14. Arbitration and Class-Action Waiver

Important: This section should be reviewed by qualified legal counsel before publication.

 

To the maximum extent permitted by applicable law, any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Service that cannot be resolved informally shall be resolved by binding arbitration on an individual basis rather than in court.

 

You and the Company agree that arbitration will not be conducted as a class, collective, consolidated, or representative action, except to the extent such a waiver is prohibited by applicable law.

 

You and the Company each waive, to the maximum extent permitted by law, the right to participate in a class action, collective action, or representative proceeding concerning a dispute covered by this section.

 

Nothing in this section prevents either party from seeking relief that applicable law permits to be sought in court, including temporary or preliminary injunctive relief where appropriate.

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15. Compliance with United States Laws

You represent that your use of the Service will comply with applicable United States federal, state, and local laws and regulations.

 

You may not use the Service in violation of applicable sanctions, export-control laws, or restrictions imposed by the United States government.

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16. Severability

If any provision of these Terms is determined to be invalid or unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, if permitted by law. If modification is not possible, the provision will be severed, and the remaining provisions will remain in full force and effect.

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17. Waiver

The Company's failure to enforce any provision of these Terms will not constitute a waiver of that provision or the right to enforce it in the future.

 

A waiver of any provision or breach will be effective only if made in writing and will not constitute a waiver of any subsequent breach.

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18. Translation

If these Terms are translated into another language, the English-language version will control to the extent permitted by applicable law in the event of any conflict or inconsistency.

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19. Changes to These Terms

We may modify or replace these Terms at any time.

 

If we make material changes, we may provide reasonable notice before the revised Terms become effective, as appropriate under applicable law.

 

The updated Terms will be posted on the Service with a revised “Last updated” date.

 

Your continued use of the Service after revised Terms become effective constitutes your acceptance of the revised Terms, to the extent permitted by applicable law.

 

If you do not agree to the revised Terms, you must stop using the Service.

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20. Contact Us

If you have questions about these Terms, please contact us:

Pagitsas Ventures LLC dba Pagitsas Advisors
Email: info@pagitsasadvisors.com

Privacy Policy

PRIVACY POLICY

Last updated: October 7, 2026

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Pagitsas Ventures LLC dba Pagitsas Advisors (“Pagitsas Advisors,” “we,” “us,” or “our”) operates www.pagitsasadvisors.com and related websites and online services that we operate (collectively, the “Site”).

 

This Privacy Policy explains how we collect, use, disclose, retain, and protect personal information when you visit or use the Site.

 

By using the Site, you acknowledge the practices described in this Privacy Policy.

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1. Information We Collect

The information we collect depends on how you interact with the Site.

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Information You Provide to Us

You may voluntarily provide information when you:

  • Contact us;

  • Submit an inquiry or request;

  • Subscribe to communications;

  • Complete a form;

  • Request information about our services; or

  • Otherwise communicate with us.

 

This information may include your name, email address, telephone number, company or organization, and the contents of your communication.

 

Please do not submit sensitive or confidential information through the Site unless we specifically request it and provide an appropriate method for doing so.

 

Information Collected Automatically

When you visit the Site, we and our service providers may automatically collect certain technical and usage information, such as:

  • Internet Protocol (IP) address;

  • Browser type and version;

  • Device type;

  • Operating system;

  • Pages viewed;

  • Referring and exit pages;

  • Date and time of visits;

  • Approximate geographic information derived from an IP address;

  • Information about how you interact with the Site; and

  • Other technical information reasonably necessary to operate, secure, and improve the Site.

 

2. How We Use Personal Information

We may use personal information to:

  • Operate, maintain, and improve the Site;

  • Respond to inquiries and requests;

  • Provide information or services you request;

  • Communicate with you about our business or services;

  • Send newsletters or marketing communications where permitted by law;

  • Maintain the security and integrity of the Site;

  • Detect, prevent, and investigate fraud, abuse, security incidents, or other unlawful activity;

  • Comply with applicable laws, regulations, legal processes, or governmental requests;

  • Establish, exercise, or defend legal claims; and

  • Perform other purposes disclosed at the time information is collected or otherwise permitted by applicable law.

 

3. Legal Bases for Processing

Where applicable law requires a legal basis for processing personal information, we may rely on one or more of the following:

  • Your consent;

  • Performance of a contract or steps taken at your request before entering into a contract;

  • Compliance with a legal obligation; and

  • Our legitimate business interests, where permitted by law and where those interests are not overridden by your rights.

 

4. Cookies and Similar Technologies

We may use cookies, pixels, tags, analytics tools, and similar technologies to operate, secure, analyze, and improve the Site.

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Some cookies may be necessary for the Site to function, while others may be used for analytics or other purposes.

 

Where required by applicable law, we will obtain consent before placing non-essential cookies or similar technologies.

 

You may be able to control cookies through your browser settings and, where available, through our cookie-consent tools. Disabling certain cookies may affect the functionality of the Site.

 

5. Analytics

We may use third-party analytics services to understand how visitors use the Site and to improve its functionality and performance.

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If we use Google Analytics or another analytics provider, that provider may collect information about your use of the Site in accordance with its own privacy practices.

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We will update this Privacy Policy as necessary to accurately identify material analytics providers and technologies that we use.

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6. How We Share Personal Information

We may disclose personal information to:

  • Service providers and contractors that perform services on our behalf, such as website hosting, technology, analytics, communications, security, and business operations;

  • Professional advisers, including attorneys, accountants, auditors, and consultants;

  • Government authorities, regulators, courts, or law-enforcement agencies when required or permitted by law;

  • Parties involved in a merger, acquisition, financing, reorganization, sale of assets, or similar business transaction; and

  • Other parties with your consent or at your direction.

 

We do not sell personal information for monetary consideration.

 

We do not use personal information for targeted advertising across non-affiliated websites except to the extent our practices change and applicable law requires us to provide notice or an opt-out opportunity.

 

We do not disclose personal information to third parties except as described in this Privacy Policy or as otherwise permitted or required by law.

 

7. Service Providers

We may use third-party companies and individuals to provide services on our behalf, including website hosting, analytics, communications, security, technology, and other business functions.

 

These providers may have access to personal information only as reasonably necessary to perform services for us and are expected to handle that information in accordance with applicable contractual and legal requirements.

 

8. Communications

If you provide us with your contact information, we may use it to respond to inquiries, provide requested information, administer our relationship with you, and, where permitted by law, send marketing or promotional communications.

 

You may opt out of marketing communications by using the unsubscribe mechanism included in the communication or by contacting us at info@pagitsasadvisors.com.

 

Opting out of marketing communications will not prevent us from sending service-related, transactional, security, legal, or other non-marketing communications that are necessary or permitted by law.

 

Commercial email communications will be handled in accordance with applicable law.

 

9. Data Retention

We retain personal information only for as long as reasonably necessary for the purposes described in this Privacy Policy, including to provide services, maintain business records, comply with legal obligations, resolve disputes, enforce agreements, and protect our rights.

 

The specific retention period may vary depending on the type of information and the purpose for which it was collected.

 

When personal information is no longer reasonably necessary, we will delete, destroy, anonymize, or otherwise dispose of it in accordance with our practices and applicable law.

 

10. Security

We use reasonable administrative, technical, and organizational measures designed to protect personal information against unauthorized access, use, alteration, disclosure, or destruction.

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However, no method of transmission over the Internet or method of electronic storage is completely secure. We therefore cannot guarantee absolute security.

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11. International Data Transfers

Pagitsas Advisors is based in the United States.

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If you access the Site from outside the United States, your personal information may be transferred to, stored in, or processed in the United States or other jurisdictions that may have different data-protection laws from those in your jurisdiction.

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Where required by applicable law, we will use appropriate safeguards for international transfers.

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12. Children's Privacy

The Site is not directed to children under 13, and we do not knowingly collect personal information from children under 13.

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If we learn that we have collected personal information from a child under 13, we will take reasonable steps to delete that information.

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If you believe a child under 13 has provided personal information to us, please contact us at info@pagitsasadvisors.com.

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13. Automated Decision-Making and Profiling

We do not currently engage in automated decision-making or profiling that produces legal or similarly significant effects on individuals.

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If our practices change, we will update this Privacy Policy as required by applicable law.

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14. Your Privacy Rights

Depending on where you live and subject to applicable law, you may have rights concerning your personal information, including rights to:

  • Confirm whether we process your personal information;

  • Access personal information we maintain about you;

  • Correct inaccurate personal information;

  • Request deletion of personal information;

  • Obtain a portable copy of certain personal information;

  • Opt out of certain processing activities, including certain sales or targeted advertising where applicable;

  • Limit certain uses or disclosures of sensitive personal information where applicable;

  • Withdraw consent where processing is based on consent;

  • Object to certain processing activities where applicable; and

  • Appeal certain decisions concerning your privacy requests where required by applicable law.

 

These rights are subject to exceptions and limitations under applicable law.

 

We will not discriminate against you for exercising privacy rights available to you under applicable law.

 

15. California Residents

If you are a California resident and the California Consumer Privacy Act, as amended (“CCPA”), applies to our processing of your personal information, you may have additional rights under California law.

 

These may include rights to:

  • Know and access categories and specific pieces of personal information we collect;

  • Correct inaccurate personal information;

  • Delete personal information, subject to statutory exceptions;

  • Opt out of the sale or sharing of personal information, if applicable;

  • Limit certain uses and disclosures of sensitive personal information, if applicable;

  • Obtain information about our collection, use, disclosure, sale, or sharing of personal information; and

  • Receive equal treatment for exercising your privacy rights.

 

We do not sell personal information for monetary consideration.

 

If our activities constitute “sharing” or another regulated activity under the CCPA, we will provide applicable notices and opt-out mechanisms required by California law.

 

Where required, California consumers may exercise applicable rights by contacting us at info@pagitsasadvisors.com.

California residents may also use any applicable “Your Privacy Choices” or similar mechanism provided on the Site.

 

16. Colorado, Connecticut, Virginia, and Utah Residents

If you reside in Colorado, Connecticut, Virginia, or Utah and the applicable state privacy law applies to our processing of your personal information, you may have rights that include access, correction, deletion, portability, and certain rights to opt out of specified processing activities.

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Depending on the applicable law and our activities, these rights may include rights concerning:

  • Targeted advertising;

  • Sale of personal data;

  • Profiling in furtherance of decisions producing legal or similarly significant effects; and

  • Certain processing of sensitive personal information.

 

We will honor applicable privacy rights and exemptions under the law of the state in which you reside.

Where required by applicable law, you may appeal a decision concerning a privacy request by contacting us at info@pagitsasadvisors.com.

 

For Colorado residents, where applicable, we will honor recognized universal opt-out mechanisms as required by Colorado law. Colorado currently recognizes mechanisms such as Global Privacy Control for applicable opt-out rights.

 

For Connecticut residents, applicable rights and requirements may change as Connecticut privacy legislation is amended. We will comply with applicable requirements in effect at the time of a request.

 

17. Nevada Residents

Nevada law may provide residents with the right to opt out of certain sales of covered information.

Nevada residents may submit applicable requests by contacting us at:

Email: info@pagitsasadvisors.com

 

Nevada consumers may also contact the Nevada Attorney General's Bureau of Consumer Protection at:

Office of the Nevada Attorney General
Bureau of Consumer Protection
100 N. Carson Street
Carson City, NV 89703
Telephone: (702) 486-3132
Email: aginfo@ag.nv.gov

 

The Nevada Attorney General currently identifies this telephone number and address for its Bureau of Consumer Protection.

 

18. Vermont Residents

We will comply with applicable Vermont privacy and consumer-protection laws.

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Where applicable, we will not disclose personal information to nonaffiliated third parties except as permitted or required by law.

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19. Authentication and Verification of Privacy Requests

To protect personal information, we may need to verify your identity before completing a privacy request.

 

We may request information reasonably necessary to authenticate your identity or authority to make the request.

 

We will use information provided for verification only as reasonably necessary to verify and process the request, protect against fraud, and comply with applicable law.

 

If an authorized agent submits a request on your behalf, we may require evidence of the agent's authority as permitted by applicable law.

 

20. Responding to Privacy Requests

We will respond to verified privacy requests within the time required by applicable law.

 

If additional time is permitted and reasonably necessary, we will provide any notice required by applicable law.

 

If we deny a request, we will explain the basis for the denial to the extent required by applicable law and will provide information regarding any applicable appeal process.

 

21. Data Breach Notification

If we experience a security incident involving personal information, we will investigate and provide notices to affected individuals, regulators, or other parties when required by applicable law.

 

22. GDPR and European Privacy Laws

The Company is based in the United States and does not currently intentionally target individuals in the European Union, European Economic Area, or United Kingdom with goods or services through the Site.

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If applicable law nevertheless applies to our processing of personal information belonging to individuals in those jurisdictions, we will comply with applicable legal requirements.

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If you are located outside the United States, please consider whether you need to provide personal information through the Site before doing so.

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23. Third-Party Websites

The Site may contain links to third-party websites or services.

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We are not responsible for the privacy practices, security, content, or policies of third-party websites or services. You should review the applicable privacy policies of those third parties before providing them with personal information.

 

24. Changes to This Privacy Policy

We may update this Privacy Policy from time to time.

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When we make changes, we will update the “Last updated” date at the top of this Privacy Policy.

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If we make material changes, we may provide additional notice when required or appropriate, including by posting a prominent notice on the Site or using contact information you have provided to us.

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Your continued use of the Site after an updated Privacy Policy becomes effective constitutes acknowledgment of the updated policy to the extent permitted by applicable law.

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25. Contact Us

If you have questions about this Privacy Policy or wish to submit a privacy-related request, please contact us:

Pagitsas Ventures LLC dba Pagitsas Advisors
Email: info@pagitsasadvisors.com

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