Terms of Service
Rules governing use of Hespera ETFs at hesperastocks.org — including account pathways, ETF plans, guided services, and related disclosures.
These Terms of Service (“Terms”) govern your access to and use of Hespera ETFs (“Hespera,” “we,” “us”), including the website at hesperastocks.org, the client dashboard, the Open an Account catalog, ETF investment plans, guided/managed features, WhatsApp Client Care, and related services.
By creating an account, opening an account pathway, funding a plan, or continuing to use the platform, you agree to these Terms, our Privacy Policy, and the applicable PDF disclosures listed below. If you do not agree, do not use the services.
Effective date: March 27, 2026 · Last updated: September 28, 2026
1. Eligibility
You must be of legal age in your jurisdiction (generally at least 18) and legally permitted to open an investment account and invest where you live. You are solely responsible for complying with local laws, tax rules, and any restrictions that apply to you. We may refuse, restrict, or close accounts that fail eligibility, identity, or compliance checks.
2. Account registration & security
You agree to provide accurate, complete information during registration and KYC/AML review, and to keep login credentials confidential. You are responsible for activity under your account. Notify Client Care immediately if you suspect unauthorized access. Official emails are sent only from @hesperastocks.org addresses; access the platform only at hesperastocks.org.
3. Account pathways (Open an Account catalog)
Hespera ETFs offers multiple account pathways described on the Accounts page. Pathway labels (for example Investment Account, Roth- or Traditional-oriented retirement, Cash Reserve, Custodial, Education, Crypto-linked, Guided, Managed, Trust, Charitable, or small-business pathways) describe the wrapper and educational framing. They do not guarantee a specific tax result in your country.
Categories currently include:
Self-service pathways let you select ETF plans yourself. Guided and Managed by Hespera pathways may include recommendations or ongoing oversight and are further governed by the Investment Advisory Disclosure PDF. Life insurance and annuity items on the catalog are planning / education pathways — not in-platform policy issuance — and may involve WhatsApp or licensed-partner referrals.
Opening or funding a pathway constitutes acceptance of these Terms plus any product-specific PDF supplements linked on that pathway’s card.
4. ETF plans & investment services
Hespera ETFs provides access to exchange-traded fund (ETF) style investment plans and portfolio tools. Plan minimums, durations, and displayed parameters are shown on the platform at the time you invest. Projected returns, AI Advisor suggestions, market data, and educational content are informational and do not guarantee outcomes.
- All investing involves risk, including possible loss of principal.
- Past performance does not guarantee future results.
- You should only allocate funds you can afford to put at risk after emergency and short-term needs are covered.
- Crypto-linked plans carry additional volatility and technology risks — see the Cryptocurrency Risk Disclosure PDF before funding.
5. Incorporated disclosures (PDFs)
Lengthy legal text is published as downloadable PDFs so this page stays readable. The following documents are incorporated into these Terms by reference. If a product supplement conflicts with these Terms on a product-specific point, the supplement controls for that point.
You can also browse every pathway and its linked PDFs at Accounts → Disclosures.
6. Deposits, withdrawals & settlement
Deposits and withdrawals are processed according to platform policies, plan rules, and verification requirements. We may request identity documentation (KYC/KYB), hold funds pending confirmation or compliance review, and delay or decline transactions that fail review or present sanctions, fraud, or source-of-funds concerns.
- You are responsible for correct bank or wallet details.
- Network fees, intermediary bank fees, and FX spreads may reduce amounts received.
- We are not responsible for losses from third-party processors or addresses you supply incorrectly.
7. Retirement, education, custodial & business pathways
Retirement-oriented, education, custodial, youth, ABLE-style, SEP/SIMPLE, workplace, and entity pathways are subject to additional eligibility rules and the Retirement Account Supplement and/or Education & Custodial Supplement PDFs. Tax treatment depends on your jurisdiction and personal situation. Hespera ETFs does not provide tax, legal, or personalized investment advice unless you separately enroll in a disclosed advisory engagement.
8. Guided & managed services
Hespera Guided, Managed Portfolios, Personalized Investment Management, and related features may use questionnaires, rules-based logic, and AI-assisted tooling with human oversight policies. Recommendations depend on information you provide. Advisory fees, if any, are disclosed before enrollment. See the Investment Advisory Disclosure and Customer Relationship Summary PDFs.
9. Client Care & communications
Support is available via the dashboard and official @hesperastocks.org email. WhatsApp Client Care · Undergoing maintenance WhatsApp is undergoing maintenance and does not open a chat. You consent to electronic delivery of notices, statements, and disclosure updates to your registered email and in-dashboard messages.
10. Prohibited conduct
You may not use the platform for money laundering, fraud, sanctions evasion, unauthorized access, market manipulation, account sharing that defeats security controls, automated abuse, or any activity that violates law or these Terms. Misrepresenting identity, source of funds, or beneficial ownership is prohibited.
11. Intellectual property
Platform software, branding, logos, copy, and educational materials are owned by Hespera or its licensors. You receive a limited, non-exclusive right to use the client portal for your own lawful investing. You may not copy, scrape, reverse engineer, or resell the platform except as allowed by law.
12. Limitation of liability
To the fullest extent permitted by law, Hespera ETFs is not liable for market losses, investment underperformance, service interruptions, third-party payment or blockchain failures, or damages from unauthorized access where reasonable security measures were in place. We are not liable for indirect, incidental, special, consequential, or punitive damages. Where liability cannot be excluded, it is limited to fees you paid to Hespera for the specific service giving rise to the claim during the twelve (12) months before the event, except where mandatory law provides otherwise.
13. Indemnity
You agree to indemnify and hold harmless Hespera and its officers, employees, and agents from claims arising out of your breach of these Terms, your violation of law, or your misuse of the platform, except to the extent caused by our willful misconduct.
14. Suspension & termination
We may suspend or terminate accounts for compliance reasons, inactivity, breach, or risk. You may request closure after settling open obligations; residual balances are returned to verified instructions subject to legal holds. Email support@hesperastocks.org to begin closure. WhatsApp · Undergoing maintenance
15. Changes to these Terms
We may update these Terms by posting a revised version with a new effective or “last updated” date. Material changes may also be highlighted in-product or by email. Continued use after the effective date constitutes acceptance. Product PDF supplements may be updated independently — check the Accounts disclosures section for the latest files.
16. Governing law & disputes
These Terms are governed by the laws applicable to Hespera’s place of organization, without regard to conflict-of-law rules, except where mandatory consumer protections of your residence apply. Raise disputes first with Client Care in writing (email or WhatsApp). Unresolved disputes may proceed to arbitration or courts as permitted by law.
17. Contact
- Website: hesperastocks.org
- WhatsApp: Undergoing maintenance · Undergoing maintenance