Terms of Service

1. Acceptance of Terms

By accessing or using the website visionactualidado.com (the "Site"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use this Site.

These Terms of Service apply to all visitors and users of the Site. They govern your use of the Site and any information, content, or services made available through it. These terms are governed by the laws of the Republic of Colombia, including the Colombian Civil Code, Law 527 of 1999 on electronic commerce, and other applicable regulations.

2. Description of Services

Visión Actualidad is an educational consultancy that provides informational content and educational services related to household budget organization and control. Our services include:

• Individual educational sessions focused on household budget design and management
• Group workshops on family financial planning and expense control
• Online educational programs covering household budgeting concepts
• Informational content published on this website

All content on this Site is informational and educational in nature. Nothing on this Site constitutes financial advice, investment advice, tax advice, or any other form of regulated financial services. Visión Actualidad is an educational consultancy, not a financial institution, investment advisor, or tax professional.

3. Website Use

You may use this Site for lawful purposes only. You agree not to use this Site in any manner that could damage, disable, overburden, or impair the Site or interfere with any other party's use of the Site.

You may access and view the content of this Site for personal, non-commercial informational purposes. You may not reproduce, distribute, modify, or create derivative works from Site content without our prior written consent.

We reserve the right to restrict or terminate access to the Site for any user who violates these Terms of Service or applicable law.

4. Intellectual Property

All content on this Site, including but not limited to text, graphics, logos, images, and educational materials, is the property of Visión Actualidad or its content suppliers and is protected by Colombian intellectual property law, including Law 23 of 1982 on copyright and related rights.

The Visión Actualidad name, logo, and related marks are proprietary identifiers of the business. Unauthorized use of these marks is prohibited.

Educational materials, worksheets, and program content made available through our services are provided for personal educational use only and may not be reproduced, sold, or distributed without written authorization.

5. Disclaimers

This Site and its content are provided on an "as is" and "as available" basis. Visión Actualidad makes no representations or warranties of any kind, express or implied, regarding the accuracy, completeness, reliability, or suitability of the information contained on this Site.

The educational content on this Site is designed to provide general information about household budget concepts. Individual financial situations vary. The information provided does not take into account your specific circumstances and should not be relied upon as a substitute for professional financial, legal, or tax advice.

We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

6. Limitation of Liability

To the fullest extent permitted by applicable Colombian law, Visión Actualidad shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, this Site or its content.

Visión Actualidad's total liability for any claims arising from your use of this Site shall not exceed the amount paid by you, if any, for access to services through this Site in the twelve months preceding the claim.

Some jurisdictions do not allow the exclusion or limitation of certain types of damages. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

7. User Conduct

When using this Site or communicating with us through the contact form, you agree not to:

• Submit false, misleading, or fraudulent information
• Attempt to gain unauthorized access to any part of the Site or its systems
• Use automated tools to scrape, crawl, or extract data from the Site without permission
• Transmit any content that is unlawful, harmful, threatening, abusive, or otherwise objectionable
• Impersonate any person or entity

8. Third-Party Links

This Site may contain links to third-party websites for informational purposes. These links are provided for your convenience only. Visión Actualidad has no control over the content of those sites and accepts no responsibility for them or for any loss or damage that may arise from your use of them.

The inclusion of any link does not imply endorsement by Visión Actualidad of the linked site or its content.

9. Governing Law and Jurisdiction

These Terms of Service are governed by and construed in accordance with the laws of the Republic of Colombia. Any disputes arising from or related to these terms or your use of this Site shall be subject to the exclusive jurisdiction of the competent courts of Cali, Valle del Cauca, Colombia, unless otherwise required by applicable consumer protection law.

10. Modifications to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to the Site. The "Last updated" date at the top of this page will reflect the date of the most recent revision.

Your continued use of the Site after any changes constitutes your acceptance of the revised terms. We encourage you to review these terms periodically.

11. Contact

If you have questions about these Terms of Service, please contact us:

Visión Actualidad
Av. 4 Nte. #7N-46, Oficina 335, Granada, Cali, Valle del Cauca, Colombia
Email: info@visionactualidado.com
Phone: +57 321 205 8589

12. Entire Agreement

These Terms of Service, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Visión Actualidad regarding your use of this Site and supersede all prior agreements and understandings relating to the same subject matter.

If any provision of these Terms is found to be invalid or unenforceable under applicable law, the remaining provisions will continue in full force and effect.