Terms of Service Agreement
Effective Date: November 12, 2025
Preamble Oz Capital Corporation, a company duly registered and incorporated under the laws of the British Virgin Islands (hereinafter referred to as "Oz Capital," "we," "us," or "our"), operates the website located at https://www.ozliving.com/ (hereinafter referred to as the "Service"). This Terms of Service Agreement (this "Agreement") constitutes a binding legal document entered into by and between Oz Capital and the user of the Service (the "User," "you," or "your"). By accessing the Service, registering for an account, or availing of any advisory services, you affirmatively represent and warrant that you have read, understood, and agree to be bound by this Agreement, including its incorporated Privacy Policy (the "Privacy Policy") and any other guidelines referenced herein (collectively, the "Terms"). The Terms form the entire agreement between you and Oz Capital and supersede all prior understandings. Oz Capital provides strictly advisory and referral services through the Service, acting solely as a consolidator and integrator of third-party providers for residency and asset protection planning based on prior legal consultations. Oz Capital does not provide legal, tax, or immigration advice, guarantees any outcomes, or engage in regulated financial services, and no data or activities hereunder relate to investments or securities. By using the Service, you affirmatively represent and warrant that you are not a citizen or resident of the Republic of the Philippines, and Oz Capital does not accept, serve, or provide services to Filipino citizens or residents. Any attempted access or use by such individuals is strictly prohibited, may result in immediate termination of access, and will not be honored. This Agreement shall be governed exclusively by the laws of the British Virgin Islands, without regard to conflict of laws principles, and any disputes shall be resolved through binding arbitration in the British Virgin Islands in accordance with British Virgin Islands law.
1. Account Registration and Confirmation You must register for an account on the Service by providing a valid email address, full name, chosen username, and password to access advisory services. Upon successful registration, Oz Capital will send you an email confirmation containing a copy of this Agreement and the Privacy Policy, which shall serve as proof of your consent to the Terms. These documents will also be securely stored by Oz Capital solely for verification purposes in accordance with the Privacy Policy and the British Virgin Islands Data Protection Act, 2021 (the "DPA"). You agree to maintain the accuracy and confidentiality of your account information and to notify Oz Capital immediately of any unauthorized use. Oz Capital reserves the right to suspend or terminate your account at any time for violation of the Terms or suspected fraudulent activity, without liability.
2. Description of Services Oz Capital, through the Service, acts exclusively as a consolidator and integrator of third-party service providers for advisory referrals related to residency applications and asset protection planning, drawing upon prior legal consultations to recommend structures tailored to a User's stated needs. The Service facilitates connections to vetted third-party providers in relevant jurisdictions for such planning, but Oz Capital does not directly provide, execute, or guarantee any services, approvals, or outcomes. All service delivery is subject to separate agreements between the User and the specific third-party provider, over which Oz Capital has no control or responsibility. Services are billed on a case-by-case basis as quoted per request, represented as prepaid service credits, and all payments are non-refundable but may be applied to other eligible advisory referrals offered through the Service at Oz Capital's discretion. Oz tokens (TOTOz) may be accepted as a form of prepaid service credits for availing services, subject to verification and conversion at the fixed equivalent provided at the time of issuance, which shall not be lower than the actual United States Dollars (USD) received for the prepaid services. The TOTOz token is solely a payment mechanism for prepaid advisory services and is not subject to market risk for redemption purposes; any trading of TOTOz by Users in open markets occurs at the User's sole discretion and risk, and Oz Capital bears no responsibility for market fluctuations or trading outcomes. Oz Capital functions exclusively as a service provider in facilitating these prepayments and referrals, with no involvement in token trading, valuation, or market activities. You acknowledge and agree that Oz Capital recommends structures based solely on information you provide and prior general legal consultations, and you bear full responsibility to independently seek and obtain qualified legal opinions in your jurisdiction of citizenship or residence regarding the suitability, compliance, and implications of any recommended structure or residency option under your local tax authorities and immigration policies. Oz Capital provides no guarantees, warranties, or assurances of success, approval, tax benefits, or liability protection, and you assume all risks and liabilities associated therewith.
3. User Responsibilities and Representations As a User, you represent and warrant that all information provided to Oz Capital or third-party providers through the Service is accurate, complete, and not misleading, and that you have the full legal capacity to enter into this Agreement and avail of services. You agree to comply with all applicable laws in your jurisdiction of citizenship or residence, including those governing tax reporting and immigration, and to indemnify, defend, and hold harmless Oz Capital, its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Service, any recommended structures, residency applications, or interactions with third-party providers. This indemnification obligation survives termination of this Agreement and extends to any regulatory inquiries, tax assessments, or immigration disputes in your jurisdiction. You further agree to assume full liability and responsibility for compliance with your local tax agency and immigration policies, and Oz Capital shall have no liability whatsoever for any adverse outcomes, including but not limited to denials, penalties, or revocations resulting from your decisions or actions based on Service referrals.
4. Risks and Liabilities You acknowledge and accept all risks associated with prepaying for advisory services through the Service, including the possibility of non-delivery due to third-party provider actions, regulatory changes, or other unforeseen circumstances, and such risks remain solely with you. Oz Capital disclaims all warranties, express or implied, including but not limited to merchantability, fitness for a particular purpose, and non-infringement, and provides the Service on an "as is" and "as available" basis. In the event of Oz Capital's dissolution, insolvency, or cessation of operations, you agree to release Oz Capital from any and all claims, liabilities, or damages arising from your use of the Service or any prepaid credits, and you waive any right to recovery beyond the terms of separate agreements with third-party providers. Oz Capital's total liability under this Agreement shall not exceed the amount of fees paid by you in the twelve (12) months preceding the claim, and Oz Capital shall not be liable for indirect, incidental, consequential, or punitive damages.
5. Legal Provisions This Agreement constitutes the entire understanding between Oz Capital and you with respect to the subject matter hereof and supersedes all prior or contemporaneous agreements, representations, or understandings, whether oral or written. Oz Capital reserves the right to amend this Agreement at any time by posting the revised version on the Service, and your continued access or use of the Service following such posting constitutes your binding acceptance of the amendments. You agree that any notices required under this Agreement may be provided to you via email to the address associated with your account, and such notice shall be deemed received upon transmission. This Agreement may not be assigned by you without Oz Capital's prior written consent, while Oz Capital may assign it freely. The failure of Oz Capital to enforce any provision hereof shall not constitute a waiver of such provision or any other right. If any provision of this Agreement is held invalid or unenforceable by a British Virgin Islands court of competent jurisdiction, the remaining provisions shall remain in full force and effect, and the invalid provision shall be reformed to the minimum extent necessary to make it enforceable.
6. Acceptance of Terms By registering for an account, accessing the Service, or availing of any advisory services, you affirm that you have read this Agreement in its entirety, fully understand its terms, and voluntarily agree to be bound thereby, including the incorporated Privacy Policy. You further affirm that you are entering into this Agreement of your own free will, without reliance on any representations outside the Terms, and that you have had the opportunity to seek independent legal advice regarding its implications in your jurisdiction.
7. General Disclaimer Oz Capital provides no facilitation, selection, ensuring, execution, assistance, aid, help, support, or any other direct involvement in services hereunder. All connections are referrals only to third-party providers for informational discussions—no outcomes, approvals, compliance, exemptions, incentives, or benefits are provided, executed, or assured by Oz Capital. You assume full and sole liability and responsibility for any actions taken based on referrals, including compliance with your jurisdiction's corporate, banking, tax, immigration, and regulatory laws. Oz Capital disclaims all warranties, guarantees, and representations regarding referrals, and you must independently consult qualified experts in your residence jurisdiction before proceeding. No services are available to Filipino citizens or residents—access is prohibited. This disclaimer survives termination and applies to all interactions with the Service.
8. Governing Law, Arbitration, and Severability This Agreement shall be governed exclusively by and construed in accordance with the laws of the British Virgin Islands, without regard to its conflict of laws principles. Any dispute, controversy, or claim arising out of or relating to this Agreement, including its formation, validity, breach, or termination, shall be finally resolved by binding arbitration administered by the British Virgin Islands International Arbitration Centre (or its successor) in accordance with the rules then in effect, conducted in the English language in the British Virgin Islands before a single arbitrator appointed in accordance with such rules. The arbitration award shall be final and binding, and judgment thereon may be entered in any British Virgin Islands court of competent jurisdiction. You waive any right to a jury trial or class action. In the event any provision of this Agreement is deemed invalid or unenforceable, the remaining provisions shall continue in full force and effect, and the invalid provision shall be reformed to the minimum extent necessary to make it enforceable.