Legal

Terms and Conditions

Effective Date: October 20th, 2026

Last Updated: October 20th, 2026

1. Introduction

Welcome to Hemisferio.

These Terms and Conditions ("Terms") govern your access to and use of the website operated by Hemisferio LLC ("Hemisferio," "Company," "we," "us," or "our"), including its content, research publications, reports, subscription services, digital products, and other services made available through the website.

By accessing or using the website, you agree to these Terms. If you do not agree, you should discontinue use of the website.

If you purchase a subscription, report, or other service, additional terms may apply at the point of purchase or under a separate written agreement. In the event of a conflict, the applicable order terms or signed agreement will govern the relevant service to the extent specified in that agreement.

2. About Hemisferio

Hemisferio LLC is a research, market intelligence, and strategic advisory company focused on the Americas, including North America, Central America, South America, and the Caribbean.

The Company produces research, analysis, publications, data-related products, consulting services, and other professional offerings concerning political, economic, commercial, institutional, and geopolitical developments.

Specific services may be subject to additional eligibility requirements, service descriptions, contracts, or purchase terms.

3. Eligibility and User Accounts

You must have the legal capacity required under applicable law to use the website and enter into binding agreements.

Certain services may require you to create an account. When registering, you agree to provide accurate information and keep it reasonably current.

You are responsible for:

Maintaining the confidentiality of your login credentials.
Taking reasonable steps to secure your account.
Activities conducted through your account, subject to applicable law.
Notifying Hemisferio promptly if you suspect unauthorized access.

You may not impersonate another person, provide materially misleading registration information, or use an account to violate these Terms or applicable law.

Hemisferio may suspend or restrict accounts where reasonably necessary to protect the website, enforce these Terms, address suspected fraud or misuse, or comply with legal obligations. Where appropriate, we will provide notice and an opportunity to address the issue.

4. Website Content and Research Disclaimer

The website may contain articles, reports, market studies, economic data, political analysis, forecasts, commentary, charts, research papers, and other informational materials.

This content is provided for general informational, educational, research, and analytical purposes.

Although Hemisferio seeks to produce accurate and well-supported work, information may be incomplete, estimated, subject to interpretation, or affected by subsequent developments. Research may rely on public information, third-party sources, estimates, assumptions, or information available at the time of preparation.

Unless expressly stated otherwise:

Published analysis reflects the scope and information available when it was prepared.
Opinions and forecasts are analytical judgments, not guarantees of future outcomes.
Historical data and past performance do not guarantee future results.
Hemisferio does not undertake to update every publication or correct every subsequent development unless required by law or expressly agreed.
References to third-party sources do not necessarily imply endorsement by those sources.

Users should independently evaluate information before relying on it for business, financial, political, legal, or other consequential decisions.

5. Investment and Financial Information

Hemisferio may publish research concerning investment environments, financial markets, industries, economic conditions, companies, securities, and investment-related opportunities or risks.

Unless expressly agreed in a separate written engagement and legally authorized where required, website content is not a substitute for advice tailored to an individual's financial circumstances, investment objectives, risk tolerance, or portfolio.

Nothing on the website guarantees the performance of an investment or assures that a particular opportunity is suitable for any user.

Investment decisions involve risk, including the possible loss of principal. Users should conduct independent due diligence and consult appropriately qualified professionals where necessary.

Important: This section does not determine whether Hemisferio's activities are regulated. The legal treatment of paid securities research, personalized recommendations, and consulting depends on the actual services, compensation arrangements, and applicable law. Hemisferio will offer regulated services only where appropriately authorized.

6. No Professional Relationship Created by Website Use

Accessing the website, reading a publication, subscribing to content, or contacting Hemisferio does not, by itself, create a fiduciary, investment advisory, legal, accounting, or other professional relationship.

Any engagement involving specific services, deliverables, responsibilities, fees, confidentiality obligations, or reliance on tailored advice should be governed by a separate written agreement where appropriate.

7. Subscriptions and Paid Services

Hemisferio may offer paid subscriptions, premium publications, reports, data products, or other digital services.

The applicable product page or checkout process should disclose the relevant price, billing currency, subscription duration, renewal terms, and material limitations before purchase.

By purchasing a service, you authorize the applicable payment provider to process the transaction in accordance with the terms presented at checkout.

Unless otherwise disclosed:

Access to paid content is provided for the subscription period purchased.
Subscription credentials may not be shared beyond the scope of the purchased plan.
Different subscription tiers may provide different access rights.
Taxes, if applicable, will be handled as disclosed during checkout.
Subscription cancellation and refund rights are governed by the applicable checkout terms and mandatory law.

Where a subscription automatically renews, the renewal frequency, amount or pricing method, and cancellation procedure must be disclosed clearly before enrollment, and any legally required consent and notices must be obtained or provided.

7.1 Cancellation and Refunds

The applicable purchase terms will describe how to cancel a subscription and when cancellation takes effect.

Unless otherwise stated or required by law, cancellation prevents future renewals but does not automatically entitle a customer to a refund for a partially used subscription period.

Nothing in these Terms limits non-waivable consumer rights. Any special refund policy, trial offer, renewal policy, or digital-content cancellation waiver must be disclosed separately where required.

7.2 Changes to Pricing or Services

Hemisferio may modify its subscription plans, features, and prices prospectively. Material changes affecting existing subscribers will be communicated as required by applicable law and the terms governing the purchase.

Changes to a current paid subscription will not be applied retroactively where prohibited by law.

8. Permitted Use

You may use the website and its content for lawful personal, educational, professional, or internal business purposes within the rights granted to you.

Unless expressly authorized in writing, you may not:

Reproduce, republish, redistribute, resell, or commercially exploit paid reports or subscription content.
Systematically download, scrape, or extract website content or data to create a competing product or database.
Remove copyright notices, attribution, watermarks, or other proprietary notices.
Circumvent paywalls, access restrictions, security controls, or account limitations.
Use automated tools to interfere with the website or access it in a manner that places an unreasonable burden on its infrastructure.
Upload malicious code or attempt unauthorized access to systems, accounts, or data.
Use the website for fraud, unlawful activity, or infringement of another party's rights.
Misrepresent Hemisferio's research, affiliations, or endorsement of a product or service.

Nothing in this section prohibits activity protected by applicable law, including rights that cannot lawfully be waived.

9. Intellectual Property

Unless otherwise indicated, the website and its original content—including reports, research papers, articles, text, graphics, charts, data compilations, branding, logos, and design elements—are owned by Hemisferio LLC or licensed to it and are protected by applicable intellectual property laws.

Purchasing a subscription or report grants the customer only the access and usage rights expressly provided with that purchase.

Unless a publication states otherwise or written permission is granted, users may not reproduce, distribute, publicly display, modify, sell, or create commercial derivative products from Hemisferio content.

Users may generally cite or link to publicly accessible publications in a lawful manner, provided that attribution is accurate, the source is not misrepresented, and the use does not imply endorsement. Any applicable copyright exceptions remain unaffected.

Third-party content remains the property of its respective owners and may be subject to separate terms.

9.1 User Submissions

If you submit comments, inquiries, feedback, documents, or other materials through the website, you represent that you have the right to submit them.

You retain ownership of your materials, subject to rights you separately grant to Hemisferio. You authorize Hemisferio to use information you submit to respond to you, provide requested services, and administer the relevant interaction.

Hemisferio will not treat confidential business information as confidential merely because it is submitted through a general website form. Do not submit confidential, proprietary, or sensitive information through the website unless an appropriate confidentiality arrangement and secure submission method have been established.

Any broader license to publish or use user-submitted material must be expressly disclosed and agreed where required.

10. Consulting and Custom Research

Consulting engagements and commissioned research may be subject to separate proposals, statements of work, service agreements, or contracts.

Those agreements may address scope, fees, timelines, deliverables, intellectual property ownership, permitted reliance, confidentiality, conflicts of interest, and limitations of responsibility.

In the event of a conflict between these Terms and a signed agreement, the signed agreement will govern the relevant engagement to the extent of the conflict.

No particular result, commercial outcome, investment return, or policy outcome is guaranteed.

11. Third-Party Sources and External Links

The website may reference or link to third-party websites, databases, publications, services, and other resources.

Hemisferio does not control third-party resources and is not responsible for their content, availability, accuracy, security, or privacy practices, except to the extent required by law.

A link or reference does not necessarily constitute an endorsement, partnership, or affiliation.

Your use of third-party services is governed by their applicable terms and policies.

12. Availability and Changes to the Website

Hemisferio may modify, suspend, discontinue, or restrict portions of the website or its services for maintenance, security, operational, legal, or business reasons.

We will take reasonable steps to provide notice where appropriate, particularly when material changes affect paid services or existing contractual commitments.

We do not guarantee uninterrupted access, error-free operation, or the permanent availability of any particular publication or feature, subject to applicable law and contractual obligations.

13. Disclaimer of Warranties

To the maximum extent permitted by applicable law, the website and its content are provided on an "as is" and "as available" basis.

Hemisferio disclaims implied warranties to the extent legally permissible, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Hemisferio does not warrant that every publication will be complete, current, error-free, or suitable for a particular user's purposes.

Nothing in these Terms excludes warranties or rights that cannot lawfully be excluded.

14. Limitation of Liability

To the maximum extent permitted by applicable law, Hemisferio LLC and its members, managers, employees, contractors, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenues, data, business opportunities, or anticipated savings arising from website use.

To the extent permitted by law, Hemisferio's aggregate liability arising from website use will not exceed the greater of (a) the amount paid by the user to Hemisferio for the relevant website service during the twelve months preceding the event giving rise to the claim, or (b) US$100.

This limitation does not apply to liability that cannot lawfully be limited or excluded, including any liability that applicable law prohibits the Company from disclaiming.

Any separate written agreement may contain different liability terms.

15. Indemnification

To the extent permitted by applicable law, you agree to be responsible for losses, liabilities, and reasonable costs arising from your unlawful use of the website, your material violation of these Terms, or your infringement of another person's rights.

This provision does not require you to indemnify Hemisferio for losses caused by Hemisferio's own conduct to the extent such an obligation would be prohibited by law.

16. Suspension and Termination

Hemisferio may suspend or terminate access to the website or a user account for material violations of these Terms, unlawful conduct, suspected fraud, security threats, or other legitimate operational or legal reasons.

Where appropriate, we will provide notice and a reasonable opportunity to remedy the violation.

Termination does not eliminate rights or obligations that accrued before termination, including applicable payment obligations, intellectual property rights, or provisions that by their nature should survive.

Any refund following termination will be handled under the applicable purchase terms and law.

17. Privacy

Your use of the website is also governed by Hemisferio's Privacy Policy, which explains how personal information is collected, used, disclosed, and protected.

The Privacy Policy should be made available through a clearly accessible link on the website and during relevant collection and checkout processes.

18. Governing Law and Disputes

These Terms are governed by the laws of [insert applicable U.S. state], without regard to its conflict-of-law principles, except where mandatory law provides otherwise.

Subject to applicable law, disputes arising from these Terms will be brought in the state or federal courts located in [insert appropriate county and state].

Any arbitration requirement, class-action waiver, or additional dispute-resolution restriction must be separately reviewed for enforceability and, where necessary, presented for affirmative user consent.

Nothing in this section deprives a consumer of a right that cannot lawfully be waived.

19. Changes to These Terms

Hemisferio may update these Terms from time to time.

The revised version will be posted on the website with an updated revision date. Where required by law or contract, we will provide additional notice or obtain consent before material changes take effect.

Continued use of the website after revised Terms take effect constitutes acceptance only to the extent permitted by applicable law.

20. Severability and Entire Agreement

If any provision of these Terms is held unenforceable, the remaining provisions will remain effective to the extent permitted by law.

These Terms, together with applicable purchase terms, the Privacy Policy, and any relevant signed agreements, govern the subject matter they address. They do not override mandatory legal rights.

21. Contact Information

For questions about these Terms, please contact:

Hemisferio LLC
Legal inquiries: [Insert designated legal contact email]
Business address: [Insert business mailing address]
Website: [Insert official website URL]