Terms of Service

These Terms of Service govern your access to and use of the Clarivo México website and related services operated by Clarivo México. By using the site you agree to these terms. If you do not agree, do not use the site. Users must be at least 16 years old to register for account features. If you are under 16, you must have the consent of a parent or legal guardian to use services that require personal data. Clarivo México reserves the right to refuse service to anyone at any time for any lawful reason.

1. Service description

Clarivo México provides educational content related to personal and household budgeting, templates for expense tracking, practical guides, comparative local cost analyses, and a paid educational course titled "Clarivo - hábitos para organizar tu presupuesto diario". The site publishes articles, downloadable templates, and course registration functionality. Content is educational and informational only. The scope of our offering does not include personalized financial advice, investment management, or brokerage services. Access to certain resources may require registration or payment as described on the site.

2. Acceptance and age

By using the site you accept these terms. Users represent and warrant that they are at least 16 years old or that they have received verifiable parental or guardian consent. Parents and guardians are responsible for the acts of minors using the site under their consent.

3. User obligations

Users must use the site lawfully and responsibly. Prohibited actions include scraping or automated data collection, reverse engineering site functionality, impersonating others, uploading malicious content, or attempting to breach site security. Each user may maintain one account only unless otherwise agreed in writing. Users are responsible for keeping login credentials secure and for all activity conducted through their account.

4. Intellectual property

All content on Clarivo México, including text, images, templates, code, and design, is the property of Clarivo México or its licensors and is protected by copyright and trademark law. Users are granted a limited, non-exclusive, non-transferable license to access and use content for personal, non-commercial purposes. Reproduction, distribution, or public display of site content for commercial purposes requires prior written permission.

5. Prohibited activities

Users agree not to engage in spamming, hacking, fraud, distributing illegal material, infringing third-party rights, or using the site to facilitate illegal activity. Uploading content that violates third-party rights or applicable law is forbidden. Violations may result in suspension or termination of access and may be referred to law enforcement.

6. Disclaimer of warranties

Services are provided "as is" and "as available". Clarivo México does not guarantee uninterrupted access, accuracy, completeness, or that templates will meet specific needs. While efforts are made to verify calculations and sources, all content is educational and does not constitute professional financial or legal advice. Users should verify information before relying on it.

7. Limitation of liability

To the fullest extent permitted by law, Clarivo México and its affiliates are not liable for indirect, incidental, special, consequential, or punitive damages. The maximum aggregate liability for direct damages arising from or related to these terms is limited to the lesser of the amount paid by you to Clarivo México in the twelve months preceding the claim or 100 EUR. This limitation applies regardless of the theory of liability and even if Clarivo México has been advised of the possibility of such damages.

8. Indemnification

You agree to indemnify and hold Clarivo México harmless from third-party claims, liabilities, damages, and expenses arising from your breach of these terms, violation of applicable law, or use of the site in a manner inconsistent with these terms.

9. Third-party links

The site may contain links to third-party websites. Those links are provided for convenience only and do not imply endorsement. Clarivo México is not responsible for the content, practices, or privacy policies of external sites.

10. Privacy

Clarivo México's Privacy Policy governs collection and processing of personal data and is incorporated by reference into these terms. The Privacy Policy explains cookies, data sharing with advertising partners, user rights, and data retention. Users should review the Privacy Policy before submitting personal data.

11. Governing law and jurisdiction

These terms are governed by the laws of the United Mexican States. The exclusive jurisdiction for disputes arising from these terms is the courts of Mexico City. Parties submit to that jurisdiction for resolution of claims.

12. Dispute resolution

Before initiating litigation, users agree to an informal resolution period of 30 days during which Clarivo México and the user will attempt to resolve disputes in good faith. If the dispute is not resolved within 30 days, either party may pursue remedies in the courts named in the governing law clause.

13. Termination

Clarivo México may suspend or terminate accounts for violations of these terms, suspected fraudulent activity, or other lawful reasons with or without notice. Termination does not relieve users of obligations that by their nature survive termination, including indemnification, payment obligations, and limits on liability.

14. Modifications

Clarivo México may modify these terms from time to time. Changes are effective 14 days after posting on the site. Continued use of the site after changes become effective constitutes acceptance of the updated terms. Important changes that materially affect user rights will be announced on the homepage at least 14 days before taking effect.

15. Contact for legal notices

Legal entity: Clarivo México
Address: Av. Patriotismo 229, Colonia San Pedro de los Pinos, 03800 Ciudad de México, México
Email for legal notices: [email protected]

16. Survival

Provisions that by their nature should survive termination or expiration of these terms will survive, including sections on indemnification, limitation of liability, intellectual property, and governing law.