Terms and Conditions

1. Acceptance of Terms

By accessing mervantez.com, you confirm that you have read, understood, and accepted these Terms and Conditions, as well as our Privacy Policy and Cookie Policy. If you do not agree with any part of these terms, we ask that you do not use our website.

2. Service Description

Mervantez.com is an educational platform that provides:

• Educational resources on personal finance and economic management
• General information about financial markets and exchange rates
• Guides and tips for personal financial planning
• Information about social programs and resources available in Peru

3. Website Use

By using our website, you agree to:

• Use the site only for lawful purposes and in accordance with these Terms
• Not reproduce, duplicate, copy, or commercially exploit any part of the site without express authorization
• Not use the site in a way that could damage, disable, or negatively affect its operation
• Not attempt unauthorized access to systems or networks connected to the site
• Provide truthful and accurate information when requested

4. Intellectual Property

All content on mervantez.com, including texts, graphics, logos, images, videos, software, and any other material, is the property of Mervantez S.A.C. or its licensors and is protected by Peru's intellectual property laws and international treaties. Reproduction, distribution, modification, or commercial use of the content without prior written authorization is prohibited.

5. Disclaimer

The content of this website is provided "as is" and "as available".

• We do not guarantee the accuracy, completeness, or timeliness of the information provided
• Educational content should not be interpreted as financial, legal, or professional advice
• We are not responsible for decisions you make based on information from this site
• We do not guarantee that the site is free of errors, viruses, or other harmful components
• Potential returns mentioned are risk-adjusted and do not guarantee future results

6. Limitation of Liability

To the maximum extent permitted by Peruvian law, Mervantez S.A.C. will not be liable for:

• Direct, indirect, incidental, special, or consequential damages arising from the use or inability to use the site
• Financial losses derived from decisions made based on site content
• Service interruptions or data loss
• Actions of third parties in relation to the website

7. Links to Third-Party Sites

Our site may contain links to third-party websites. These links are provided solely for your convenience. We have no control over the content of these sites and assume no responsibility for their content, privacy policies, or practices. We recommend reviewing the terms and policies of any third-party site you visit.

8. Modifications

We reserve the right to modify these Terms and Conditions at any time. Modifications will take effect immediately after their publication on the website. Your continued use of the site after any modification constitutes your acceptance of the new terms.

9. Termination

We reserve the right to suspend or terminate your access to the website at any time and for any reason, without prior notice. In case of termination, the provisions of these Terms that by their nature should survive will remain in effect.

10. Applicable Law and Jurisdiction

These Terms will be governed and interpreted in accordance with the laws of the Republic of Peru. Any dispute arising in connection with these Terms will be subject to the exclusive jurisdiction of the competent courts of Lima, Peru.

11. Severability

If any provision of these Terms is considered invalid or unenforceable, such provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions of these Terms will remain in full force and effect.