Crecimento, LLC
Effective Date: February 15, 2026
These Terms of Use (“Terms”) govern your access to and use of (i) the website located at https://www.crecimento.com and any related subdomains (collectively, the “Site”), and (ii) any materials, publications, glossaries, handbooks, guides, and other content made available by Crecimento, LLC (“Crecimento,” “Company,” “we,” “us,” or “our”) through the Site (collectively, the “Materials”).
By (a) clicking an “I agree” (or similar) button or checking a box indicating acceptance of these Terms, (b) creating an account (if offered), (c) purchasing, downloading, accessing, or using any Materials, or (d) otherwise accessing or using the Site, you (“User” or “you”) agree to be bound by these Terms. If you do not agree to these Terms, do not access or use the Site or Materials.
If you use the Site or Materials on behalf of an entity, you represent and warrant that you have authority to bind that entity to these Terms, and “you” includes that entity.
You must be at least 18 years old (or the age of majority where you live) to use the Site.
These Terms constitute a legally binding agreement between you and the Company.
We may update these Terms from time to time. The Effective Date above indicates when these Terms were last revised. Your continued use of the Site or Materials after we post updated Terms constitutes acceptance of the updated Terms. If we make material changes, we may also provide additional notice through the Site or by email (if we have your contact information).
The Company publishes educational materials relating to decentralized finance (“DeFi”), real-world assets (“RWA”), blockchain technology, and related topics. Our offerings may include, without limitation:
The Materials are designed for investment advisers, asset managers, treasurers, and other professionals seeking educational resources on emerging financial technologies.
All Materials are provided solely for educational and informational purposes. Nothing in the Site or Materials constitutes legal, financial, investment, tax, accounting, regulatory, or other professional advice. The information presented reflects general principles, terminology, and conceptual frameworks as of the date of publication and may not be current, complete, or applicable to your specific circumstances, jurisdiction, or regulatory environment.
You acknowledge that DeFi, RWA tokenization, and blockchain technologies are rapidly evolving fields subject to regulatory uncertainty, technological risk, and market volatility. Any information provided should be independently verified before reliance.
Our Materials do not constitute, and shall not be construed as:
Any reference to specific protocols, platforms, tokens, assets, or investment strategies is for illustrative and educational purposes only and does not represent an endorsement or recommendation by the Company.
Your access to or use of our Materials—whether free or paid—does not create any client, advisory, fiduciary, attorney-client, accountant-client, or other professional relationship between you and the Company, its partners, employees, or affiliates.
The Company does not know your financial situation, investment objectives, risk tolerance, regulatory constraints, or specific professional needs. We owe you no duty of care, loyalty, or disclosure beyond what is expressly set forth in these Terms.
Before making any investment decision, implementing any strategy, or taking any action based on information in our Materials, you should consult qualified legal, tax, financial, compliance, and other professional advisers who can evaluate your individual circumstances and provide advice tailored to your situation.
Decentralized finance and tokenized assets involve significant risks, including but not limited to: loss of principal; regulatory uncertainty and potential prohibition; smart contract vulnerabilities and exploits; technological failures (including oracle and bridge failures); liquidity risks; counterparty risks; and market volatility. You assume full responsibility for evaluating these risks.
All content on the Site and in the Materials, including without limitation text, graphics, logos, images, data compilations, and software, is the property of the Company or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws.
Free Materials: You may download, view, and print free Materials for your personal, non-commercial educational use only. You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit free Materials without our prior written consent.
Paid Materials: Unless otherwise stated at the point of sale or in a separate written license, purchase of paid Materials grants you a limited, non-exclusive, non-transferable license to access and use the paid Materials for your personal or internal business educational purposes only. You may not reproduce, distribute, share, resell, sublicense, or otherwise make paid Materials available to any third party (including colleagues, affiliates, or other legal entities) without our prior written consent.
You agree not to remove, alter, or obscure any copyright, trademark, or other proprietary notices, and not to circumvent or attempt to circumvent any technical measures we use to control access to or protect the Site or Materials.
If you provide suggestions, comments, or other feedback regarding the Site or Materials, you grant the Company a non-exclusive, royalty-free, worldwide, irrevocable license to use, reproduce, modify, and incorporate such feedback into our products and services.
You agree not to:
Export Controls and Sanctions: You may not use the Site or Materials if you are prohibited from doing so under U.S. export control or sanctions laws or the laws of the jurisdiction where you access the Site. You represent that you are not located in a country subject to comprehensive sanctions and are not on any U.S. government restricted-party list, except to the extent permitted by law.
The Site may contain links to third-party websites, resources, and content. We do not control, endorse, or assume responsibility for any third-party website, its content, products, or services.
References to or links from third parties do not constitute endorsement by the Company. Use of third-party websites is at your own risk and subject to their terms of use and privacy policies.
Your use of the Site is also governed by our Privacy Policy, which is incorporated by reference into these Terms. Please review our Privacy Policy at (www.crecimento.com/privacy-policy) for information about how we collect, use, and protect personal data.
Please review our Privacy Policy at https://www.crecimento.com/privacy. If you have questions about the Privacy Policy, contact us using the information provided in Section 23 below.
We reserve the right to:
We are not liable for any modification, suspension, or discontinuation of the Site or Materials.
We may suspend or terminate your access to the Site (including any account, if offered) at any time, with or without notice, for any reason, including if we believe you have violated these Terms or applicable law.
For paid Materials, termination of your license to use those Materials will occur only upon (a) a material breach of these Terms, (b) issuance of a refund pursuant to Section 14, or (c) as otherwise required by law or a separate written license.
Upon termination due to material breach or upon refund, you must cease all use of the applicable Materials and delete or destroy all copies in your possession or control, except as required to comply with legal or regulatory record-keeping obligations.
For paid Materials, you agree to pay all applicable fees as displayed at the time of purchase. Fees are quoted in U.S. dollars unless otherwise specified and may be subject to applicable taxes. Payment must be made through our authorized payment processors. You represent that you have the legal right to use any payment method you provide.
All sales are final except as expressly provided in Section 14 below.
For paid handbooks and publications, the Company offers a limited satisfaction guarantee. If you are not satisfied with your purchase for any reason, you may request a full refund within seven (7) calendar days of the date of purchase.
To request a refund, contact us at the email address provided in Section 23 below, include your order confirmation number, and briefly describe the reason for your dissatisfaction. Refunds will be processed to the original payment method within ten (10) business days of approval. After the seven-day period, all sales are final and no refunds will be issued. This guarantee applies only to the original purchaser and is non-transferable.
EU/UK Consumer Rights: If you are a consumer in the European Union or United Kingdom, you may have statutory withdrawal rights (including, in some cases, a 14-day right to withdraw from distance contracts). Where required by law for digital content, we will obtain your express consent and acknowledgement before providing immediate access in a manner that waives or limits any statutory withdrawal right. Nothing in these Terms limits any mandatory consumer rights.
We reserve the right to deny refund requests in cases of suspected abuse of the satisfaction guarantee or repeated refund requests from the same individual or organization. If a refund is issued, we may revoke your access to the applicable Materials and you agree to cease use and delete any copies in your possession or control, except as required by law.
THE SITE AND ALL MATERIALS ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
To the fullest extent permitted by applicable law, the Company disclaims all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.
The Company does not warrant that: (a) the Site or Materials will meet your requirements; (b) the Site will be uninterrupted, timely, secure, or error-free; (c) the information contained in our Materials is accurate, complete, current, or reliable; or (d) any errors in the Site or Materials will be corrected.
Nothing in these Terms is intended to exclude or limit any warranty or other right that cannot be excluded or limited under applicable law.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY, ITS PARTNERS, EMPLOYEES, AFFILIATES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF REVENUE, LOSS OF DATA, OR BUSINESS INTERRUPTION, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SITE OR MATERIALS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
For Free Materials: The Company’s total liability for any claims arising from or related to free Materials shall be limited to zero dollars (US $0.00). You acknowledge that free Materials are provided at no cost and that this limitation of liability is a material term of your access to such Materials.
For Paid Materials: The Company’s total aggregate liability for any and all claims arising from or related to paid Materials shall not exceed the total amount actually paid by you to the Company for the specific Materials giving rise to the claim.
The limitations in this Section 16 apply to all theories of liability, whether based on contract, tort (including negligence), strict liability, or otherwise, and whether or not the Company has been advised of the possibility of such damages.
Some jurisdictions do not allow the exclusion or limitation of liability for certain types of damages or for gross negligence, fraud, or willful misconduct. In such jurisdictions, the limitations of liability set forth in these Terms apply only to the extent permitted by applicable law and shall not deprive you of any mandatory protections provided by such law.
You agree to indemnify, defend, and hold harmless the Company, its partners, employees, affiliates, agents, and licensors from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use of the Site or Materials; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; or (d) your violation of any rights of any third party.
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.
18.1 Informal Resolution.
Before initiating arbitration, you agree to contact us and attempt to resolve the Dispute informally. You may notify us of a Dispute by emailing the address in Section 23 and providing a brief description of the issue and the relief sought. If we cannot resolve the Dispute within thirty (30) days after we receive your notice, either party may initiate arbitration as described below.
18.2 Agreement to Arbitrate (U.S. Users).
If you are located in, resident of, or accessing the Site from the United States, you and the Company agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Site, or the Materials (collectively, “Disputes”) shall be resolved exclusively through final and binding arbitration, rather than in court, except that either party may bring an individual action in small claims court if the claim qualifies.
18.3 Class and Representative Action Waiver.
YOU AND THE COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. The arbitrator shall not have authority to consolidate more than one person’s claims or to preside over any form of class, collective, or representative proceeding.
18.4 Arbitration Rules and Procedures.
The arbitration shall be administered by JAMS (Judicial Arbitration and Mediation Services) pursuant to its rules then in effect, including any applicable consumer standards, or by another mutually agreed-upon arbitration provider. The arbitration shall be conducted by a single neutral arbitrator with experience in commercial or intellectual property matters. Unless the parties agree otherwise, the arbitration hearing shall take place in Santa Clara County, California, or may be conducted remotely (in whole or in part) by video conference, telephone, or other remote means permitted by the arbitration provider’s rules.
18.5 Arbitration Fees and Attorneys’ Fees.
Payment of filing, administration, and arbitrator fees shall be governed by the arbitration provider’s rules. For consumer disputes, the Company will pay arbitration fees to the extent required by the provider’s consumer minimum standards and applicable law. Each party shall bear its own attorneys’ fees and costs unless the arbitrator determines that a claim or defense was frivolous or brought in bad faith, in which case the arbitrator may award fees and costs consistent with applicable law.
18.6 Opt-Out.
You may opt out of the arbitration and class action waiver provisions in this Section 18 by sending an email to the address in Section 23 within thirty (30) days of first accepting these Terms. Your opt-out notice must include your name, the email address associated with your account or purchase (if any), and a clear statement that you are opting out of arbitration. If you opt out, neither you nor the Company will be bound by this Section 18, and any Disputes will be resolved as set out in Section 19.
18.7 Exceptions to Arbitration; Injunctive Relief.
Notwithstanding the foregoing, the following Disputes are not subject to arbitration under this Section 18: (a) claims for injunctive or equitable relief to prevent actual or threatened infringement, misappropriation, or violation of intellectual property or proprietary rights; (b) individual claims brought in small claims court, if applicable and permitted by law; and (c) bankruptcy or insolvency proceedings. Either party may apply to a court of competent jurisdiction for temporary, preliminary, or permanent injunctive relief in aid of arbitration or to protect its intellectual property or confidential information.
18.8 International Users; Local Mandatory Rights.
If you are a consumer habitually resident in a country where mandatory laws give you the right to bring or defend claims in the courts of that country, nothing in these Terms (including this Section 18 and Section 19) shall deprive you of that protection. In that case, to the extent required by applicable law, you may bring proceedings in your local courts and the arbitration and class action waiver provisions may not apply to you.
18.9 Enforceability.
If any portion of this Section 18 is found to be invalid or unenforceable with respect to a particular claim or remedy, then (a) that portion shall be severed and the remaining provisions shall continue in full force and effect, and (b) with respect to any claim for which the class action waiver is held unenforceable, such claim must be litigated in a court of competent jurisdiction and not in arbitration.
These Terms and any Disputes between you and the Company shall be governed by and construed in accordance with the laws of the State of California, USA, without regard to its conflict of law principles. To the extent that any lawsuit or court proceeding is permitted under these Terms, you and the Company agree to submit to the exclusive personal jurisdiction and venue of the state and federal courts located in Santa Clara County, California, and waive any objection to such jurisdiction or venue.
If you are a consumer and mandatory laws of your country of residence require the application of such laws to certain disputes, then nothing in these Terms, including this Section 19, shall deprive you of the protection of those mandatory provisions.
If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court or arbitrator of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable, or if modification is not possible, shall be severed from these Terms. The invalidity or unenforceability of any provision shall not affect the validity or enforceability of any other provision, and these Terms shall be construed as if such invalid or unenforceable provision had never been included.
These Terms, together with any applicable purchase terms and our Privacy Policy, constitute the entire agreement between you and the Company regarding the subject matter hereof and supersede all prior or contemporaneous communications, representations, or agreements, whether oral or written.
The Company reserves the right to modify these Terms at any time. We will provide notice of material changes by posting the revised Terms on the Site with an updated effective date. Your continued use of the Site or Materials after such changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.
Electronic Communications: By using the Site or Materials, you consent to receive communications from us electronically (for example, by email or by posting notices on the Site). You agree that all agreements, notices, disclosures, and other communications that we provide electronically satisfy any legal requirement that such communications be in writing.
You may not assign or transfer these Terms, or any of your rights or obligations hereunder, by operation of law or otherwise, without our prior written consent. We may assign these Terms, in whole or in part, without restriction, including in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of our assets, and such assignment will inure to the benefit of our successors and assigns.
If you have any questions about these Terms, please contact us at:
Crecimento, LLC
Email: info@crecimento.com
Address: 221 Main Street, #1124, Los Altos, CA 94023
Website: https://www.crecimento.com