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Terms of Use

Last updated: January 13, 2026

1. Acceptance of Terms

Welcome to Avanzaencalma. By accessing and using this website, you agree to be bound by these Terms of Use, all applicable laws and regulations, and agree that you are responsible for compliance with all applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site.

2. Use of the Website

2.1 License to Use

You are granted a limited, non-exclusive, non-transferable, and revocable license to access and use the website exclusively for personal and non-commercial purposes. This license does not include:

  • Modifying or copying site materials
  • Using materials for commercial purposes or public display
  • Attempting to decompile or reverse engineer site software
  • Removing copyright or other proprietary notices from materials
  • Transferring materials to another person or replicating materials on another server

2.2 User Conduct

By using our website, you agree to:

  • Provide truthful, accurate, and complete information
  • Not use the site for illegal or unauthorized purposes
  • Not interfere with site or server operation
  • Not attempt to access restricted areas of the site
  • Not transmit viruses, malware, or any malicious code
  • Not harass, threaten, or defame other users
  • Respect intellectual property rights

3. Intellectual Property

All website content, including but not limited to texts, graphics, logos, icons, images, audio clips, digital downloads, and data compilations, is the property of Avanzaencalma or its content providers and is protected by Argentine and international copyright laws.

The name "Avanzaencalma", the logo, and all related marks are registered trademarks or trademarks of Avanzaencalma. You may not use these marks without prior written consent from Avanzaencalma.

4. User Content

If you submit content to the site (comments, inquiries, suggestions), you grant Avanzaencalma a worldwide, perpetual, irrevocable, royalty-free, and non-exclusive license to use, reproduce, modify, adapt, publish, translate, and distribute such content in any medium.

You represent and warrant that:

  • You own the content you submit or have necessary rights to grant this license
  • The content does not infringe third-party rights
  • The content is not defamatory, obscene, or illegal

5. Educational Nature of Content

The content provided on this website is for purely educational and informational purposes. It does not constitute:

  • Personalized financial, legal, or professional advice
  • Specific investment recommendations
  • Guarantees about financial results

Before making important financial decisions, we recommend consulting with qualified professionals who can evaluate your particular situation.

6. Links to Third-Party Sites

Our website may contain links to third-party sites that are not operated by us. We have no control over the content, privacy policies, or practices of third-party sites and assume no responsibility for them. We recommend reviewing the terms and policies of any third-party site you visit.

7. Limitation of Liability

To the maximum extent permitted by applicable law:

  • Avanzaencalma will not be liable for indirect, incidental, special, or consequential damages
  • We do not guarantee that the site will be available uninterruptedly or error-free
  • We are not responsible for losses resulting from use or inability to use the site
  • We do not guarantee the accuracy, completeness, or usefulness of site information

Some jurisdictions do not allow exclusion of certain warranties or limitations of liability, so some of the above limitations may not apply to you.

8. Indemnification

You agree to indemnify and hold harmless Avanzaencalma, its directors, employees, and agents from any claim, demand, loss, liability, and expense (including attorney fees) arising from:

  • Your use of the website
  • Your violation of these Terms of Use
  • Your violation of third-party rights
  • Content you submit to the site

9. Site and Terms Modifications

We reserve the right to:

  • Modify or discontinue any aspect of the website at any time
  • Update these Terms of Use periodically
  • Change or remove site content without prior notice

Modifications to these terms take effect immediately after publication. Your continued use of the site after changes constitutes your acceptance of the modified terms.

10. Termination

We may terminate or suspend your access to the website immediately, without prior notice or liability, for any reason, including if you breach these Terms of Use.

All provisions of these terms that by their nature should survive termination will survive, including ownership provisions, warranty disclaimers, and liability limitations.

11. Applicable Law and Jurisdiction

These Terms of Use shall be governed and interpreted in accordance with the laws of the Argentine Republic, without giving effect to any principles of conflicts of law.

Any dispute related to these terms will be subject to the exclusive jurisdiction of the courts of Río Gallegos, Santa Cruz, Argentina.

12. Severability

If any provision of these Terms of Use is deemed invalid or unenforceable, such provision shall be removed or limited to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.

13. Waiver

Failure to exercise or enforce any right or provision of these Terms of Use shall not constitute a waiver of such right or provision.

14. Entire Agreement

These Terms of Use, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Avanzaencalma regarding use of the website.

15. Contact

If you have questions about these Terms of Use, you can contact us:

Email: legal@avanzaencalma.com
Phone: +54 2966 421918
Address: España 177, Río Gallegos, Santa Cruz, Argentina

Avanzaencalma

Practical financial education to improve your quality of life.

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Contact

España 177, Río Gallegos
Santa Cruz, Argentina

Tel: +54 2966 421918

CUIT: 20-12345678-9

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