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TERMS & CONDITIONS

Last Updated: 10 November 2025

1. Introduction

Welcome to PAA CAPITAL GROUP (“PAA Capital”, “we”, “us”, or “our”).
These Terms & Conditions (“Terms”) govern your access and use of the website located at https://paacapital.com and any related subdomains (collectively, the “Website”).

By accessing or using this Website, you confirm that you have read, understood, and agreed to be bound by these Terms.
If you do not agree, you must stop using the Website immediately.

The Website is owned and operated by PAA CAPITAL GROUP, a multinational financial services group headquartered in the European Union and operating across multiple jurisdictions.

These Terms apply only to the Website. They do not govern the use of PAA Capital’s financial products or services, which are subject to separate contractual agreements and regulatory disclosures.

2. Ownership and Intellectual Property

All content on the Website—including text, graphics, images, logos, layouts, software, and design elements—is the exclusive property of PAA Capital or its licensors.

You may:

  • View the Website content;

  • Print or download extracts for personal, non-commercial use.

You may not:

  • Modify, distribute, reproduce, or republish any content;

  • Use PAA Capital trademarks or branding without prior written consent;

  • Scrape, copy, frame, or mirror any part of the Website.

All rights not expressly granted are reserved.

3. Website Availability and Updates

We may:

  • Update the Website’s content at any time;

  • Change, suspend, or discontinue any part of the Website without notice;

  • Restrict or block access for maintenance, security, or operational reasons.

We do not guarantee that the Website or any content will always be available, accurate, or up-to-date.

4. No Financial or Legal Advice

All information on the Website is provided for general informational purposes only.

Nothing on the Website constitutes:

  • Financial advice

  • Legal advice

  • Tax advice

  • Investment advice

  • A solicitation or offer of financial services

For specific guidance, please contact PAA Capital or an independent advisor.

5. Liability Disclaimer

To the fullest extent permitted by applicable law, PAA Capital disclaims all warranties, conditions, and representations, express or implied, including:

  • Accuracy or completeness of Website content

  • Merchantability or fitness for a particular purpose

  • Non-infringement

  • Availability or uptime of the Website

PAA Capital, its affiliates, directors, employees, and agents are not liable for any damages arising from or related to your use of the Website, including:

  • Loss of income or business

  • Loss of data

  • Loss of profits

  • Loss of goodwill

  • Business interruption

  • Indirect, incidental, consequential, or punitive damages

This limitation does not apply to:

  • Fraud

  • Fraudulent misrepresentation

  • Death or personal injury caused by negligence

  • Any liability that cannot be excluded by law

6. Acceptable Use

You agree not to use the Website in any way that:

  • Violates applicable laws or regulations

  • Harms, interferes with, or disrupts the Website or its infrastructure

  • Introduces malware, viruses, trojans, worms, or harmful code

  • Attempts to gain unauthorized access to systems or data

  • Scrapes, mines, or harvests data

  • Attempts a denial-of-service or similar attack

If your actions cause technical disruption or harm, you are responsible for all related losses, liabilities, and costs.

7. Third-Party Websites and Links

The Website may contain links to external websites provided by third parties.
These links are provided for convenience only.

PAA Capital:

  • Does not endorse or control third-party websites

  • Is not responsible for their content, accuracy, or security

  • Cannot be held liable for any loss or damage resulting from their use

You access third-party websites at your own risk.

8. Privacy and Data Protection

Your use of the Website is also governed by our Privacy Policy, which explains how we collect, use, store, and protect your personal information.

By using the Website, you consent to the processing of your personal data in accordance with our Privacy Policy.

9. Cookies and Tracking Technologies

This Website uses cookies and similar technologies.
Details are provided in our Cookie Policy.

By using the Website, you agree to our use of cookies unless you disable them in your browser settings.

10. Jurisdiction and Applicable Law

These Terms are governed by and interpreted in accordance with the laws of Botswana, reflecting the headquarters of PAA CAPITAL (PTY) LTD.

The courts of Botswana have exclusive jurisdiction over all disputes arising from or relating to these Terms or the use of the Website.

However, PAA Capital reserves the right to bring legal proceedings in:

  • Your country of residence, or

  • Any jurisdiction relevant to protecting our rights

11. Refund Policy (Website Account Services Only)

If PAA Capital publishes pricing for onboarding or account establishment fees, the following applies unless superseded by a separate agreement:

  • Account establishment fees are fully refundable if the application is not accepted.

  • No refunds are issued for successfully onboarded customers unless required by law.

This clause does not apply to financial services governed by separate contracts.

12. Changes to These Terms

We may update these Terms at any time.
When we make changes, the “Last Updated” date at the top of this page will be modified.

Continued use of the Website after the date of changes means you accept the revised Terms.

13. Contact Information

For questions regarding these Terms, please contact us through the channels listed on our Contact page.
We do not publish support email addresses directly on this page to prevent misuse and spam.