By using this site, you agree to comply with all the terms and conditions of use set forth below ("Terms and Conditions"). Villa Capital Company ("Villa Capital") reserves the right to modify or change these Terms and Conditions at any time it deems appropriate. The user of this site ("User") is bound by such modifications or changes whether or not they have reviewed them. If the user does not agree to these Terms and Conditions, they should not use this site at all.

1. • Villa Capital prioritizes data protection and explains its data protection policy: the types of information Villa Capital collects from our website users on the Internet, the actions Villa Capital takes regarding this information, and how to access the information available through Villa Capital's website on the Internet (the site), noting that the data protection policy may change from time to time, so users should periodically review the site.


2. Data Usage
   • The user grants full consent to Villa Capital when storing data in their personal file, authorizing Villa Capital to use this data and make it available to the listed funds in which the user has committed to invest, and make such data available to payment service providers at the listed funds or Villa Capital for the purpose of paying the amounts due to users from their investments, including, for example: first name, last name, email address, phone number, permanent residence – including city, postal code, and country – personal ID number, gender, date of birth, nationality, investment amount, and bank account number (IBAN) banking information (BIC). The privacy policy and cookie policy are an integral part of this agreement.
   • The privacy policy and cookie policy are an integral part of this agreement.


3. Information Collected by Villa Capital:
   If you visit Villa Capital's website on the Internet without logging in as a user,
   • Villa Capital network servers.
   • • The domain name used to access the Internet.
     • The user's Internet service provider.
     • The user's previous and next location.
   Note that this collected information is not for the purpose of identifying an individual but is used for statistical purposes and to improve the attractiveness, content, and functionality of Villa Capital's website, and Villa Capital complies with all data protection regulations and laws.


4. Collection and Processing of Personal Data:
   The user may be asked for necessary data to provide services and information:
   • Logging in and providing Villa Capital with information about the user or their affiliated company, such as name, job title, email address, and other information, in which case browsing this site anonymously will not be possible.
   • Requesting investment or using some of the services available through the website, and providing additional information such as name, address, and bank details.
   • Requesting information about the user when writing comments or participating in surveys.
   Villa Capital and service providers are committed to the confidentiality of information, which will not be available to third parties in any form or by persons who receive instructions from Villa Capital, except with the user's explicit consent.


5. Cookies:
   Villa Capital uses cookies for the following:
   • Villa Capital and service providers are committed to the confidentiality of information, which will not be available to third parties in any form or by persons who receive instructions from Villa Capital, except with the user's explicit consent.
   • To collect anonymous user statistics, allowing Villa Capital to understand how visitors use the site and help improve its structure and content, noting that users cannot be personally identified through this information, and users can choose not to use cookie features.


6. Use and sharing of information:
   When the user provides Villa Capital with information, Villa Capital uses this information to provide products and services, and sometimes shares the user's information with companies associated with Villa Capital, and uses it to communicate with the user.


7. Public Profile Information:
   Villa Capital may share user's public account information with a third party for marketing purposes. The third party is bound by these terms and conditions when using that information. Villa Capital commits not to publish user's public account information if the user refuses to share their public account information with other parties.


8. Data Retention:
   Villa Capital retains personal data as long as necessary to perform the service requested by the user or authorized by the user.


9. Security:
   Villa Capital takes all technical and organizational security measures to protect the information available from manipulation, tampering, loss, damage, or unauthorized access, and continuously reviews and revises security measures in line with the latest technologies.


10. Accessing and correcting information:
    The user has the right to obtain information about all stored personal data and to receive, review, and, if necessary, modify or delete it.


11. Account Security:
    To minimize the risk of account breaches, Villa Capital will lock an account after five unsuccessful login attempts for sixty (60) minutes, after which the account lock will automatically be lifted.


12. Securing Online Transactions:
    Villa Capital makes every effort to secure all transactions conducted through the site. For more details on how Villa Capital protects the security and quality of user information, this can be found by reviewing its privacy policy. Villa Capital uses advanced security measures through public and private keys. The public key is used to encrypt information, and the user can decrypt this information using the private key. After this, the user can start conducting secured transactions that ensure the integrity and privacy of the messages. If the user discovers any activity that could be fraudulent on their credit card, they are urged to promptly contact the bank associated with that credit card and inform them.


13. Page Security Rules:
    It is prohibited for any user to hack or attempt to hack the security of this site. Acts of hacking or attempting to hack include, but are not limited to:
    
    • Accessing information or data that does not belong to the user or logging into an account without authorization.
    • Any attempt to inspect, explore, test the strength, or weakness of the network system or breach or attempt to breach the network security or authentication system without prior permission or authorization, or attempting to interfere with another user or host or another network. Violating network or system security may result in criminal or civil liability. Villa Capital will make every effort to track and follow up on any violations of the system or security and enforce the laws against the violators in cooperation with the courts of the violator's country.


14. Secure E-commerce:
    E-commerce and communication over the internet rely on the secure transfer of confidential information over public networks. Accordingly, Villa Capital may rely on encryption and authentication technology licensed from a third party to provide security and authentication technology for secure information transfer operations. Even with advances in computer capabilities, new discoveries in encryption, or other developments and events, it is not guaranteed that the technology used by Villa Capital to secure customer operation information cannot be breached. The security system adopted and used by Villa Capital, which is considered the best in practical reality, does not guarantee that a breach will not occur.


15. Information Confidentiality:
    All personal, commercial, and project-specific information is highly confidential at Villa Capital. Users and investors commit to maintaining the confidentiality of the information and data they provide, as do investors and project supporters in maintaining the confidentiality of the information and data they receive from any party through the site. Investors and project supporters are prohibited from disclosing, distributing, or sharing that information and data in any other way with a third party. Projects are fully responsible for all activities conducted using their username and password. Users are required to:
    
    • Directly inform Villa Capital of any unauthorized use of their username or password or any attempt to breach security or the account.
    • Ensure to log out each time after using the account. Consequently, Villa Capital is not responsible for any losses or damages incurred due to non-compliance with these terms and conditions.


16. Arrangements to Prevent Information Leakage:
    Protective arrangements against information leakage refer to the written policies and procedures set by Villa Capital to preserve confidential information or insider information obtained by Villa Capital in the course of its business, ensuring that knowledge of such information is available only to company employees authorized to access it, and that such information is not disclosed to any other persons.
    Villa Capital will establish arrangements to prevent information leakage that are appropriate to the nature, size, and diversity of its business.


17. Reporting Violations:
    Users commit to reporting to Villa Capital any suspicious incident involving access, disclosure, revelation, modification, loss, damage, or harm to information.


18. Monitoring:
    All electronic communications and content provided can be monitored, inspected, saved, read, copied, stored, or retransmitted during the daily operations carried out by authorized Villa Capital employees and agents as part of their duties and tasks, or by regulatory authorities requested to assist Villa Capital in investigating a potential violation. Electronic communications and content can be examined through electronic scanning means. Moreover, Villa Capital has the full right to refuse any electronic communications or content it deems incompatible with the policies and procedures followed by Villa Capital.