Terms and Conditions
Last updated: January 2025
These terms and conditions govern the use of services provided by Valernovtio S.A. de C.V. By using our services, you accept these terms in full.
1. Definitions
'Company' refers to Valernovtio S.A. de C.V. 'User' refers to any person who accesses or uses our services. 'Services' refers to the financial consulting and advisory services provided by the Company.
2. Services Offered
Valernovtio offers financial consulting services, including: eligibility assessment for government support programs, financial education, debt management advice, personal financial planning. Our services are informational and guidance in nature.
3. User Requirements
To use our services, you must: be at least 18 years old, provide truthful and up-to-date information, be a legal resident of the United Mexican States, accept these terms and conditions.
4. Limitation of Liability
The information provided by Valernovtio is guidance in nature and does not constitute professional legal, tax, or financial advice. We do not guarantee approval of applications for government programs, as this depends on the requirements and decisions of the corresponding authorities. Our liability is limited to the amount paid for our services.
5. Intellectual Property
All content on our website, including text, graphics, logos, images, and software, is the property of Valernovtio S.A. de C.V. or its licensors and is protected by the intellectual property laws of Mexico and international treaties.
6. Confidentiality
We are committed to maintaining the confidentiality of all personal and financial information you provide to us. This information will only be used for the purposes described in our Privacy Policy.
7. Modifications
We reserve the right to modify these terms and conditions at any time. Modifications will take effect immediately after their publication on our website. Continued use of our services after any modification constitutes your acceptance of the new terms.
8. Applicable Law and Jurisdiction
These terms and conditions are governed by the laws of the United Mexican States. Any dispute arising in relation to these terms will be subject to the exclusive jurisdiction of the competent courts of Mexico City.
9. Termination
We reserve the right to suspend or terminate your access to our services at any time, without prior notice, if we consider that you have violated these terms and conditions.
10. Contact
For any questions related to these terms and conditions, you can contact us at: legal@valernovtio.com or at our physical address: Av. Paseo de la Reforma 250, Col. Juárez, Cuauhtémoc, 06600 Mexico City, CDMX.