Last Updated: September 2026
1. Introduction
Welcome to the website of LUGEN HORIZON S.A. (“LUGEN”, “we”, “us” or “our”).
These Terms & Conditions (“Terms”) govern your access to and use of the LUGEN website, including its content, investment-related information, business opportunities, enquiry forms, presentations and communication channels.
By accessing or using this website, you acknowledge that you have read, understood and agree to be bound by these Terms. If you do not agree with these Terms, please do not use the website.
2. About LUGEN
LUGEN HORIZON S.A. operates an international business and investment platform focused on investment opportunities, business development, strategic partnerships, projects and related activities.
LUGEN may present information concerning opportunities, projects, businesses, markets, assets, partnerships and other commercial activities through its website and other communication channels. The information presented on the website is provided for general informational purposes and may change over time.
3. Use of the Website
You may use this website for lawful purposes and in accordance with these Terms. You agree not to:
- use the website for any unlawful or fraudulent purpose;
- attempt to gain unauthorised access to the website or its systems;
- interfere with the operation or security of the website;
- copy, reproduce, distribute or exploit website content without appropriate permission;
- use automated systems to extract or collect website content without authorisation;
- impersonate another person or entity;
- submit false, misleading or fraudulent information;
- use information obtained from the website in a manner that violates applicable laws or regulations.
LUGEN may restrict or terminate access to the website where reasonably necessary to protect its systems, users, business interests or legal rights.
4. Website Content
The content published on the LUGEN website may include:
- descriptions of projects;
- investment opportunities;
- market information;
- business concepts;
- financial or commercial information;
- photographs and visual materials;
- presentations;
- estimates, projections or illustrative figures;
- general business information;
- information provided by third parties or project partners.
LUGEN seeks to present information accurately and in good faith. However, information may change, become outdated or depend on information received from third parties. LUGEN does not guarantee that all information available on the website will always be complete, accurate, current or error-free.
5. Investment Opportunities
Certain areas of the website may describe potential investment opportunities, projects, partnerships or commercial opportunities.
Information regarding an opportunity is provided for preliminary informational purposes and does not, by itself, constitute:
- an offer to sell or purchase securities;
- a solicitation to invest;
- investment advice;
- financial advice;
- a recommendation to enter into a transaction;
- a guarantee of availability;
- a guarantee of returns;
- a binding commitment by LUGEN;
- a contractual offer or acceptance.
Any actual investment or commercial transaction will be subject to separate documentation, applicable terms, due diligence, eligibility requirements, availability and any other requirements applicable to the relevant opportunity.
6. No Investment Advice
Information provided by LUGEN through the website, presentations, communications or other materials is not intended to constitute personalised investment, financial, legal, tax or accounting advice.
Information about an opportunity should not be interpreted as a recommendation that a particular investment, project, asset, transaction or strategy is suitable for you.
You are responsible for conducting your own evaluation and obtaining independent professional advice where appropriate before making an investment or business decision.
7. Investment Risks
Investments and business opportunities may involve substantial risks, including the possible loss of some or all of the capital invested.
Past performance, historical information, projected returns, estimated yields, ROI figures, forecasts or other financial information presented by LUGEN are not guarantees of future results.
Any projections, estimates or illustrative financial information are subject to assumptions, market conditions and other factors that may change. Actual results may differ materially from any projections or estimates.
You should consider your own financial circumstances, objectives, risk tolerance and professional advice before making an investment decision.
8. No Guarantee of Returns
Where the website or related materials refer to ROI, yields, appreciation, projected income, returns or other financial outcomes, such information is provided for illustrative or informational purposes unless expressly stated otherwise in separate binding documentation.
No statement on the website should be understood as a guarantee that a particular return, profit, yield or financial result will be achieved. Investment outcomes may be affected by market conditions, operating performance, costs, taxes, regulations, currency movements, economic conditions and other factors.
9. Investment Presentations and Materials
LUGEN may make presentations, documents, data rooms or other materials available to users who request information about particular opportunities.
Access to such materials does not constitute an offer, acceptance, investment commitment or guarantee of participation. Additional information may be provided only after appropriate enquiries, qualification, due diligence or other processes where considered appropriate by LUGEN.
LUGEN may modify, withdraw or discontinue an opportunity or related materials at any time without prior notice.
10. Requests for Information
Submitting a form, requesting a presentation, contacting LUGEN through WhatsApp or email, or otherwise expressing interest in an opportunity does not create a contractual relationship or investment commitment.
LUGEN may contact you following an enquiry to provide additional information or discuss the relevant opportunity. LUGEN may decide, at its discretion and subject to applicable requirements, whether to provide additional information or proceed with discussions.
11. Eligibility
Certain investment opportunities, projects or services may only be available to individuals or entities meeting specific eligibility, geographic, financial, professional or legal requirements.
LUGEN may request additional information where reasonably necessary to determine whether an individual or entity may participate in a particular opportunity or business relationship. Access to information on the website does not guarantee eligibility for any particular opportunity.
12. Third-Party Information
Certain information displayed by LUGEN may originate from third parties, project partners, consultants, service providers, public sources or other external sources.
While LUGEN may review information before publication, LUGEN does not guarantee the accuracy or completeness of information supplied by third parties. Third-party information remains subject to the responsibility and terms of the relevant third party.
13. Intellectual Property
Unless otherwise indicated, the website and its contents are owned by or licensed to LUGEN. This includes, without limitation:
- the LUGEN name and brand;
- logos;
- visual identity;
- website design;
- text;
- graphics;
- photographs;
- presentations;
- documents;
- layouts;
- original materials;
- other intellectual property appearing on the website.
You may access and use website content for personal and legitimate informational purposes. You may not reproduce, modify, distribute, publish, sell, license, commercially exploit or create derivative works from LUGEN content without prior written permission, except where permitted by applicable law.
14. Confidentiality of Materials
Certain presentations, documents or information provided by LUGEN may be designated as confidential or intended solely for the recipient.
Where information is expressly identified as confidential, you agree not to disclose, reproduce or distribute it to third parties without prior written permission from LUGEN, except where disclosure is required by law. Additional confidentiality obligations may apply to specific opportunities or business relationships.
15. Third-Party Websites and Services
The LUGEN website may contain links to third-party websites, platforms or services. These links are provided for convenience or informational purposes.
LUGEN does not control and is not responsible for the content, availability, security, privacy practices or terms of third-party websites or services. Your use of third-party websites and services is subject to their respective terms and policies.
16. Website Availability
LUGEN aims to maintain the website and its services in a reliable manner but does not guarantee that the website will always be available, uninterrupted, secure or error-free.
LUGEN may modify, suspend, discontinue or restrict any part of the website at any time. LUGEN may also perform maintenance, updates or technical changes that temporarily affect availability.
17. Information Security
You are responsible for maintaining the security of any credentials, access information or confidential materials provided to you. You must notify LUGEN if you become aware of unauthorised access to your account, information or materials.
LUGEN will take reasonable measures to protect its website and systems but cannot guarantee that electronic communications or online systems will be completely secure.
18. Limitation of Liability
To the maximum extent permitted by applicable law, LUGEN shall not be responsible for losses arising from:
- reliance on general information published on the website;
- investment or business decisions made by users;
- changes in market conditions;
- inaccurate or incomplete third-party information;
- interruptions or technical failures;
- temporary unavailability of the website;
- third-party websites or services;
- unauthorised access caused by circumstances outside LUGEN’s reasonable control;
- events beyond LUGEN’s reasonable control.
Nothing in these Terms excludes or limits liability where such exclusion or limitation is not permitted by applicable law.
19. Indemnification
To the extent permitted by applicable law, you agree to indemnify and hold harmless LUGEN, its directors, officers, representatives, employees and authorised service providers from claims, losses, liabilities, damages and reasonable expenses arising from:
- your unlawful or unauthorised use of the website;
- your violation of these Terms;
- your violation of applicable laws or third-party rights;
- information or materials submitted by you that infringe the rights of others;
- your misuse of information or materials obtained through the website.
20. No Waiver
If LUGEN does not immediately enforce any provision of these Terms, this does not constitute a waiver of LUGEN’s right to enforce that provision or any other provision in the future.
21. Changes to These Terms
LUGEN may update or modify these Terms from time to time to reflect changes to:
- the website;
- LUGEN’s services;
- investment opportunities;
- business activities;
- technology;
- applicable requirements.
The updated version will be published on this website and identified by its “Last Updated” date. Your continued use of the website following publication of updated Terms constitutes acceptance of the updated Terms to the extent permitted by applicable law.
22. Governing Law
These Terms shall be interpreted and applied in accordance with the laws applicable to LUGEN HORIZON S.A., subject to any mandatory laws or rights that may apply to users in their respective jurisdictions.
Nothing in these Terms is intended to deprive a consumer or other protected person of mandatory rights that cannot lawfully be excluded.
Where a specific investment, service, partnership or transaction is governed by separate written documentation, the governing law and dispute-resolution provisions contained in that documentation shall apply to that specific relationship.
23. Severability
If any provision of these Terms is found to be invalid, unlawful or unenforceable, that provision shall be interpreted or modified to the extent necessary to make it enforceable where permitted, and the remaining provisions shall continue in effect.
24. Entire Agreement
These Terms, together with the Privacy Policy and any additional terms expressly applicable to particular services, opportunities or transactions, constitute the terms governing your use of the LUGEN website. Specific written agreements may contain additional or different terms that apply to the relevant transaction or relationship.
25. Contact
If you have any questions regarding these Terms & Conditions, please contact:
LUGEN HORIZON S.A.
Vía España 1280, Edificio Orión, Suite 7D
Panamá, República de Panamá
Email: info@lugenhorizon.com
WhatsApp: through the WhatsApp Business contact available on the LUGEN website.
