IMPORTANT LEGAL NOTICE

These Terms of Use (“Terms”) govern your access to and use of the website (“Site”) operated by GEM Global Equities Management S.A., an investment management company specializing solely in emerging markets regulated under the laws of the Commonwealth of The Bahamas. By accessing this Site, you acknowledge that you have read, understood, and agreed to be bound by these Terms, together with all disclaimers, notices, and policies incorporated herein.

If you do not agree with these Terms, you must not access or use this Site.

1. REGULATORY DISCLOSURE

This Site is intended solely for persons who are permitted to receive information relating to investment funds under applicable Bahamian law, including the Securities Industry Act, 2011, the Investment Funds Act, 2019, and regulations and guidelines issued by the Securities Commission of The Bahamas (“SCB”). Nothing on this Site constitutes investment advice, a solicitation, an offer to purchase, or an invitation to subscribe for any securities, financial instruments, or investment fund interests.

2. NO OFFER, NO ADVICE

Information on this Site is provided for general informational purposes only. It does not constitute: 

1. investment, financial, legal, or tax advice;
2. a recommendation to buy or sell any investment product; nor 
3. an offer or solicitation to any person in any jurisdiction where such offer or solicitation would be unlawful. Past performance is not indicative of future results. Investment in financial products involves substantial risks, including the possible loss of principal.

3. ELIGIBILITY – RESTRICTED ACCESS

Access to certain sections of this Site may be restricted to “professional”, “qualified”, or “accredited” investors as defined under Bahamian law or the laws of their respective jurisdictions. Users accessing restricted content represent and warrant that they meet such eligibility requirements.

4. ACCURACY & RELIABILITY OF INFORMATION

While we take reasonable measures to ensure the accuracy of information provided, the Company does not guarantee:

• the completeness of any content,
• the accuracy of data,
• the timeliness of updates, or
• the suitability of information for any purpose.

All content is provided “as is” without warranties of any kind, whether express or implied.

5. INTELLECTUAL PROPERTY RIGHTS

All materials, trademarks, logos, branding, designs, images, and content displayed on this Site are owned or licensed by the Company and protected by applicable intellectual property laws. You may not reproduce, distribute, modify, create derivative works from, or exploit any part of this Site without prior written consent.

6. PERMITTED & PROHIBITED USES

You may use this Site solely for legitimate informational purposes. You shall not:

• attempt to gain unauthorized access to systems or data;
• copy or extract information for commercial use without approval;
• use the Site in a manner that violates laws or infringes third-party rights;
• upload viruses, malicious code, or automated data‑scraping tools.

7. PRIVACY & DATA COLLECTION

By using this Site, you consent to the processing of data in accordance with our Privacy Policy. We may collect limited technical and analytical information, and may use cookies to improve user experience. We do not knowingly collect personal data beyond what is strictly necessary.

8. LIMITATION OF LIABILITY

To the fullest extent permitted by Bahamian law, the Company shall not be liable for any indirect, consequential, special, exemplary, or punitive damages arising out of or in connection with your access to or use of the Site. Total liability, if any, shall be limited to the maximum extent allowable under applicable law.

9. GOVERNING LAW

These Terms shall be governed by and interpreted in accordance with the laws of the Commonwealth of The Bahamas. Any disputes shall be subject to the exclusive jurisdiction of Bahamian courts.

10. CHANGES TO TERMS

The Company may modify these Terms at any time without prior notice. Continued use of the Site after changes are made constitutes acceptance of the updated Terms.

11. CONTACT

For questions or concerns regarding these Terms, please contact:

info@gem.bs