Terms & Conditions

These Terms & Conditions (“Terms”) govern your access to and use of jj-associate.com (the “Website”) and any inquiries, consultations, or services offered by JJ Associates (“JJ Associates”, “we”, “us”, or “our”).

JJ Associates provides business and advisory services across Latin America, including (among others) company formation support, legal/accounting coordination, residency guidance, banking support, corporate/EOR services, and digital payment solutions.

By accessing the Website or using our services, you agree to these Terms. If you do not agree, do not use the Website.

1. Who we are

Service provider: JJ Associates

Website: jj-associate.com

Contact: info@jj-associate.com; WhatsApp +507 6498-6659

Address: Tower Financial Center, 28th Floor, Office F, Calle 50, Ciudad de Panamá, Panamá.

2. Scope: Website vs. professional engagement

2.1 Website information only

Content on the Website is provided for general informational purposes and may be updated without notice. It does not create a professional-client relationship.

2.2 Services require a separate written agreement

Any paid work, deliverables, timelines, and fees are governed by a separate engagement letter, service agreement, or statement of work (“Engagement Agreement”). If these Terms conflict with an Engagement Agreement or the Engagement Agreement controls.

3. No legal, tax, investment, or financial advice

Unless explicitly stated in a signed Engagement Agreement and permitted by applicable law:

Website content and informal communications are not legal advice, tax advice, investment advice, accounting advice, or financial advice.
You should obtain advice from qualified professionals based on your specific circumstances (including jurisdiction-specific requirements).

4. Eligibility and permitted use

You must be at least 18 years old and able to enter into a binding contract to use the Website or our services.

You agree not to:

Use the Website for unlawful purposes or to violate any regulations (including AML/sanctions laws).
Attempt to interfere with the Website’s security or functionality (e.g., hacking, scraping beyond reasonable use, malware).
Misrepresent your identity, business activities, source of funds, or the purpose of any requested services.

5. Client due diligence, compliance, and refusal of service

Because our services can involve regulated contexts (e.g., banking support, corporate structuring, digital assets), you agree that we may require:

Identity verification (KYC), beneficial ownership information, and supporting documentation.

Source-of-funds/source-of-wealth information when relevant.
Additional compliance checks as required by banks, partners, or applicable regulations.

We may decline, suspend, or terminate services at any time if:

Required documentation is not provided.
There are compliance concerns (including sanctions exposure).
The requested activity appears unlawful or inconsistent with our compliance obligations.

6. Fees, billing, and taxes

6.1 Quotes and estimates

Fees may be quoted as fixed-fee, hourly, retainer, or milestone-based. Unless explicitly stated otherwise, quotes are estimates and may change if scope changes.

6.2 Payment terms

Payment terms are defined in your Engagement Agreement (e.g. due upon invoice, deposits, retainers). Late payments may pause delivery.

6.3 Third-party costs

You are responsible for third-party fees unless otherwise stated, including government fees, notary fees, legal filings, banking fees, courier costs, translation, apostilles, and similar costs.

7. Refunds and cancellations

Unless your Engagement Agreement provides otherwise:

Consultations / booking fees are non-refundable once the session has occurred; rescheduling may be allowed with reasonable notice.
Work already performed is non-refundable.
Third-party fees are non-refundable once incurred.

Optional: add your exact cancellation window (e.g. “24 hours before the call”).

8. Client responsibilities

You agree to:

Provide accurate, complete, and timely information and documentation.
Review deliverables promptly and communicate approvals or changes.
Use deliverables lawfully and in compliance with local regulations.
Maintain copies of your documents and filings.

You acknowledge that delays or inaccuracies from you or third parties (including banks and government agencies) may affect timelines.

9. Third-party services, banks, and platforms (no guarantees)

Where we introduce you to third parties (banks, legal providers, accountants, EOR providers, payment providers, etc.), you understand that:

Third parties control their own onboarding and approval decisions.
We do not guarantee account approvals, processing times, or outcomes.
Third parties may impose additional requirements or reject applications at their discretion.

10. Intellectual property

Unless otherwise stated:

The Website and its content (text, design, branding, visuals) are owned by JJ Associates or licensed to us.
You may not copy, reproduce, or distribute Website content for commercial purposes without written consent.
Any client-specific deliverables are governed by your Engagement Agreement.

11. Confidentiality

We will treat non-public information you provide as confidential, subject to:

Our Privacy Policy and data handling practices.
Required disclosures to comply with law, court orders, regulators, banks or partners (where necessary), or to prevent fraud or illegal activity.

12. Disclaimers (Website and services)

To the maximum extent permitted by law:

The Website and content are provided “as is” and “as available”.
We do not warrant that the Website will be uninterrupted, error-free, or free of harmful components.
We do not guarantee specific results, approvals, or timelines, especially where third parties or regulatory bodies are involved.

13. Limitation of liability

To the maximum extent permitted by law:

JJ Associates will not be liable for indirect, incidental, special, consequential, or punitive damages.
Our total liability for any claim related to the Website or services will not exceed the amount you paid to JJ Associates in the three months prior to the event giving rise to the claim (or another cap stated in your Engagement Agreement).

Some jurisdictions do not allow certain limitations; in that case, limitations apply to the greatest extent permitted.

14. Indemnification

You agree to indemnify and hold JJ Associates harmless from claims, damages, liabilities, and expenses (including reasonable legal fees) arising from:

Your misuse of the Website.

Your violation of laws or third-party rights.
False or misleading information you provide.
Unlawful or prohibited use of our deliverables.

15. Termination

We may suspend or terminate your access to the Website or services if you breach these Terms, fail to pay, or present compliance risk.

Upon termination, you remain responsible for fees and third-party costs incurred up to the termination date.

16. Governing law and disputes

These Terms are governed by the laws of the Republic of Panama, unless your Engagement Agreement specifies otherwise.

Disputes should first be attempted to be resolved informally. If unresolved, disputes will be submitted to the competent courts of Panama City, Panama, unless otherwise required by mandatory law or your Engagement Agreement.

17. Changes to these Terms

We may update these Terms from time to time. The “Effective date” will indicate the latest version. Continued use of the Website after changes means you accept the updated Terms.

18. Privacy

Your use of the Website and our handling of personal data are governed by our Privacy Policy.

19. Contact

Questions about these Terms: info@jj-associate.com

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