Legal

Terms of Use

The conditions that apply when you access and use monvarento.com.

Last updated: 5 April 2026  |  Governing law: Mexico

1. Acceptance of Terms

By accessing or using the website monvarento.com (the "Site"), you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, please do not use the Site.

These Terms of Use apply to all visitors and users of the Site. They govern your access to and use of all content, tools, guides, and services made available through monvarento.com.

2. Description of the Portal

Monvarento is a financial education portal that provides informational resources on personal finance topics, including but not limited to:

  • Downloadable guides on budgeting, savings, and credit
  • Interactive calculators and budget simulation tools
  • Informational articles and step-by-step explanations of financial concepts
  • The option to request an informational advisory session

The Site is operated by Monvarento, with address at Convento 13, esquina con Capilla del Carmen, Ciudad de México, Mexico.

3. Informational Purpose Only

All content published on this Site, including guides, articles, calculators, and any information provided during advisory sessions, is for general informational and educational purposes only. Nothing on this Site constitutes financial advice, investment advice, legal advice, tax advice, or any other form of regulated professional advice.

The calculators and simulators on this Site produce estimates based on the data you enter. These estimates are provided for planning and educational purposes only. They do not account for all variables relevant to your individual financial situation and should not be relied upon as the sole basis for any financial decision.

Advisory sessions offered through this Site are informational in nature. Advisors provide educational information and explanations of financial concepts. They do not provide personalized investment recommendations, manage assets, or offer services that require regulatory authorization in Mexico.

You should consult a qualified financial professional before making any financial decision.

4. Permitted Use

You may access and use the Site for personal, non-commercial purposes in accordance with these Terms of Use. Permitted uses include:

  • Reading and downloading guides for personal use
  • Using the calculators and simulators for personal financial planning purposes
  • Submitting the contact form to request information or an advisory session
  • Sharing links to the Site with others

5. Prohibited Conduct

When using this Site, you agree not to:

  • Copy, reproduce, distribute, or republish any content from the Site without prior written permission from Monvarento
  • Use automated tools, bots, or scrapers to extract content from the Site
  • Attempt to gain unauthorized access to any part of the Site or its underlying infrastructure
  • Transmit any malicious code, viruses, or disruptive content through the Site
  • Use the Site for any unlawful purpose or in violation of applicable Mexican law
  • Misrepresent your identity or affiliation when submitting the contact form

6. Intellectual Property

All content on this Site, including text, guides, graphics, logos, icons, calculator interfaces, and the overall design and layout, is the property of Monvarento or its content contributors and is protected by applicable intellectual property laws in Mexico and internationally.

You may download guides for personal, non-commercial use only. You may not modify, adapt, translate, create derivative works from, or commercially exploit any content from the Site without express written permission.

The Monvarento name and logo are identifiers of the portal. Nothing in these Terms grants you any right to use them.

7. Limitation of Liability

To the fullest extent permitted by applicable law, Monvarento and its operators, contributors, and advisors shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of or inability to use the Site or its content.

The Site and its content are provided on an "as is" and "as available" basis. We make no representations or warranties of any kind, express or implied, regarding the accuracy, completeness, reliability, or suitability of the information provided.

Financial decisions involve risk. The information on this Site does not account for your specific circumstances. Monvarento is not responsible for any financial outcome resulting from decisions made based on content found on this Site.

9. Governing Law and Jurisdiction

These Terms of Use are governed by the laws of the United Mexican States. Any dispute arising from or related to these Terms or your use of the Site shall be subject to the jurisdiction of the competent courts of Ciudad de México, Mexico, and you hereby consent to the personal jurisdiction of such courts.

10. Modifications to These Terms

Monvarento reserves the right to modify these Terms of Use at any time. Changes will be effective upon posting to the Site. The "Last updated" date at the top of this page will reflect the date of the most recent revision. Continued use of the Site after changes are posted constitutes your acceptance of the revised terms.

11. Contact

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

  • Email: info@monvarento.com
  • Address: Convento 13, esquina con Capilla del Carmen, Ciudad de México, Mexico
  • Phone: +52 55 5670 3074