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In Costa Rica, Guatemala, Honduras, and other countries, engaging in insurance activities, insurance intermediation, or securities intermediation at a local level requires authorization from the local regulatory authority. Perfect Circle clarifies that, as an international wealth advisory firm, it does not carry out commercial activities and therefore is not subject to the supervision of such authority. However, national legislation does not prohibit the purchase of insurance or financial products from companies domiciled and authorized abroad by the competent authorities, in which case they will be governed by the terms established in the respective insurance contract.