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Terms of Use

1 · Acceptance & Scope

These Terms of Use (the “Terms”) govern your access to and use of this public website and all content, assessments, benchmarks, indices, readings, and marks we publish on it (collectively, the “Site”), provided by Oquendo & Company (“we” or “us”). By accessing or using the Site, you agree to these Terms; if you do not agree, do not use the Site. You represent that you are at least 18 years old.

These Terms govern use of the public Site only. Any paid subscription or commissioned Reading is offered solely under a separate written agreement furnished at the time of commission. Nothing on the Site is an offer to contract and nothing here entitles you to, or forms a contract for, any subscription or Reading.

2 · Nature of the Site — Statements of Opinion

Oquendo & Company publishes independent assessments of infrastructure deliverability based on public data. All outputs are statements of opinion provided for informational purposes only as of their stated date. They are not statements of fact, and they are not financial, investment, engineering, insurance, legal, or other professional advice, nor a recommendation to take or refrain from any action. Our opinions are protected expression. They are not a guarantee, warranty, or assurance of any outcome, condition, or future performance.

Our benchmarks are produced with the material assistance of an automated system and are reviewed and issued under the firm’s professional judgment; the automated components do not act autonomously as to any published opinion.

3 · No Reliance

Assessments reflect information available as of their stated date and may change without notice. They are published for general information only. No person may rely on any output as the basis for any decision, and Oquendo & Company owes no duty of care to any reader or other person. This provision governs the public Site and its published outputs; a commissioned Reading is a separate instrument that grants defined reliance to the party who commissions it, and to any party named in a countersigned Reliance Letter, on the terms of its Engagement Letter.

4 · Corrections

If we identify an error in the public record we cited, we may publish a corrected edition speaking as of a new stated date. A correction is a re-publication, not a revision of what came before: each edition speaks only as of its own date. Nothing in this creates a duty to monitor, update, or supplement any opinion we have already published.

5 · License & Intellectual Property

The Site, including all text, benchmarks, methodologies, compilations, and marks, is owned by Oquendo & Company and protected by intellectual-property and trade-secret law. Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable license to view the Site for your internal, non-commercial reference. You may not copy, redistribute, resell, publicly display, frame, scrape, data-mine, reverse-engineer, or create derivative works from the Site, or use it to train any model, except as expressly authorized in writing.

6 · Acceptable Use

You agree not to (a) access the Site by automated means except a conforming search-engine crawler; (b) interfere with or probe the Site’s security or infrastructure; (c) misrepresent any output or strip it of its date, context, or disclaimers; or (d) use the Site in violation of any law.

7 · Disclaimer of Warranties

THE SITE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. OQUENDO & COMPANY EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND ANY WARRANTY AS TO THE ACCURACY, COMPLETENESS, TIMELINESS, OR RELIABILITY OF ANY OUTPUT. YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THE SITE.

8 · Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, OQUENDO & COMPANY AND ITS MEMBERS, OFFICERS, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, GOODWILL, OR BUSINESS, ARISING OUT OF OR RELATING TO THE SITE OR THESE TERMS, WHETHER IN CONTRACT, TORT, OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OQUENDO & COMPANY’S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SITE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100).

9 · Governing Law & Venue

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws rules. Subject to Section 10, the exclusive venue for any dispute is the state or federal courts located in Texas, and you consent to their personal jurisdiction.

10 · Dispute Resolution — Arbitration & Class Waiver

ANY DISPUTE ARISING OUT OF OR RELATING TO THE SITE OR THESE TERMS WILL BE RESOLVED BY FINAL AND BINDING INDIVIDUAL ARBITRATION GOVERNED BY THE FEDERAL ARBITRATION ACT, ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION UNDER ITS COMMERCIAL ARBITRATION RULES — OR, WHERE THE CLAIMANT IS A NATURAL PERSON USING THE SITE FOR PERSONAL, FAMILY, OR HOUSEHOLD PURPOSES, ITS CONSUMER ARBITRATION RULES — AND SEATED IN TEXAS. YOU AND OQUENDO & COMPANY WAIVE ANY RIGHT TO A JURY TRIAL AND ANY RIGHT TO PARTICIPATE IN A CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION. If the American Arbitration Association is unavailable, a court may appoint an administrator or arbitrator under 9 U.S.C. § 5. Either party may seek injunctive relief in court to protect intellectual property. You may opt out of this Section by written notice to the address below within 30 days of first accepting these Terms. If the class, collective, or representative-action waiver is held unenforceable as to any claim, this entire Section 10 is void as to that claim only, which then proceeds in the courts identified in Section 9; the remainder of this Section stays in force.

11 · Changes

We may modify these Terms by posting a revised version. Your continued use of the Site after a change constitutes acceptance.

12 · General

If any provision is held unenforceable, the remainder stays in effect and the unenforceable provision is reformed to the minimum extent necessary. These Terms are the entire agreement regarding the Site and supersede prior understandings. No waiver is implied by any failure to enforce. You may not assign these Terms; we may. The disclaimers and limitations survive termination.

13 · Contact

Oquendo & Company — contact@oquendoandco.com.

© 2026 Oquendo and Company. All rights reserved.

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Privacy Notice

1 · Scope

This notice describes how Oquendo & Company handles personal data of visitors to this website. Our assessments are built from public infrastructure data about places, not people; we collect little personal data and do not build consumer profiles.

2 · Information We Collect

We collect only (a) information you voluntarily provide, such as an email address when you contact us or request a service; and (b) limited technical data your browser sends (such as IP address and request metadata) used for security and to operate the site. We do not sell this data and do not use it for targeted advertising.

3 · How We Use Information

We use personal data to respond to your inquiries, provide and secure the Site, comply with law, and maintain records. We retain it only as long as necessary for these purposes.

4 · Sharing

We share personal data only with service providers acting on our behalf under contract (for example, email and hosting infrastructure), or where required by law. We do not sell personal data, share it for cross-context behavioral advertising, or use it for profiling that produces legal or similarly significant effects.

5 · Sensitive Data

We do not request or knowingly process sensitive personal data, and we do not knowingly collect personal data from anyone under 18.

6 · Your Texas Privacy Rights

If you are a Texas resident, you have the right to confirm whether we process your personal data; to access, correct, or delete it; to obtain a portable copy; and to opt out of any sale, targeted advertising, or qualifying profiling. To exercise these rights, email contact@oquendoandco.com. We will verify and respond within 45 days. If we decline, you may appeal by replying to our decision; we will respond to the appeal in writing within 60 days. If the appeal is denied, you may submit a complaint to the Texas Attorney General.

7 · Data Security & Cookies

We apply reasonable administrative and technical safeguards appropriate to the limited data we hold. The site uses only cookies strictly necessary to operate and secure it; it does not use advertising or cross-site tracking cookies.

8 · Changes & Contact

We may update this notice by posting a revised version. Questions or requests: Oquendo & Company — contact@oquendoandco.com.

© 2026 Oquendo and Company. All rights reserved.

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Standing & Reliance

1 · What We Publish

Oquendo & Company is an independent publisher. What we publish is an opinion of record, carrying an as-of date — not a statement of fact, not advice, and not a guarantee of any outcome.

2 · The Register — No Reliance

The published Register — free, Daily, and Relay — is published for general reference. It is not addressed to any person and is not issued for reliance; each edition speaks only as of its date. You may cite it; you act on it at your own discretion.

3 · A Reading — Named Reliance

A Reading is different. It is a written opinion commissioned for a single decision, addressed to the party who commissions it and issued for that party’s reliance on the terms of its Engagement Letter. Where a lender, joint-venture partner, or other named party also needs to rely, we extend that reliance only by a separate, countersigned Reliance Letter naming that party.

4 · Corrections

Where the record is corrected, the correction is published in our corrections register, which is permanent and append-only. An edition you have cited may later be the subject of an entry there; the register states what the record said, what it now says, and the range of citation dates affected, so a citation can be checked at any time against the record as it now stands.

5 · Methodology & Agreements

Our methodology is sealed. What we disclose is the public record we consulted, dated, and the opinion we formed from it. Everything we publish or deliver is governed by the applicable written agreement.

© 2026 Oquendo and Company. All rights reserved.