Terms and Conditions
Last Updated: March 10, 2026
Please read these Terms and Conditions carefully before using the FINSERA México website. These terms govern your access to and use of our platform, services, and any content or tools provided on the site.
1. Acceptance of terms and minimum age
By accessing or using the website, you accept and agree to be bound by these Terms and Conditions. If you do not agree to these terms, do not use the site. You must be at least 16 years old to use this site. If you are under 16 you may not create an account or submit personal data without verifiable consent from a parent or legal guardian. If a parent or guardian provides consent on behalf of a minor, that adult accepts these terms on the minor's behalf and is responsible for the minor's activities on the site.
2. Service description and scope
FINSERA México operates as an educational digital platform that publishes articles, cost analyses, templates, and a structured course focused on everyday personal finance for residents of Mexico. Services include free guides, downloadable budgeting tables, and a paid or registered course identified on the site. We provide informational content, practical templates, and general guidance to help users plan daily expenses and build savings habits. The site does not provide individualized financial advice, investment advisory, tax services, or legal counsel. Any tools, calculators, or templates are provided for illustrative purposes and require the user's judgment before application to personal circumstances.
3. User obligations
Users agree to use the site lawfully and responsibly. Prohibited actions include scraping site content with automated bots, attempting to reverse engineer our services, impersonating others, uploading malicious code, or interfering with site operations. You may not use the site to distribute spam, malware, or illegal content. Each person should maintain at most one account unless expressly permitted. Users must provide accurate contact information when registering and are responsible for maintaining the confidentiality of any account credentials. If you become aware of unauthorized access or a security breach you must notify us promptly through the contact details below.
4. Intellectual property
All content on this site, including text, images, templates, designs, and code, is owned by FINSERA México or licensed to us. Trademarks, trade names, and logos are our property. Users are granted a limited, non-exclusive, non-transferable license to view and download content for personal, non-commercial use only, provided that all copyright notices and attributions remain intact. Reproduction, redistribution, modification, or commercial use of our content without prior written permission is prohibited. Requests for permission to reprint or repurpose content should be sent to the legal contact listed in the Contact section of these terms.
5. Prohibited activities
The following activities are strictly prohibited: spamming other users, attempting to gain unauthorized access to servers or accounts, conducting distributed denial of service attacks, distributing illegal or infringing materials, engaging in fraud, uploading viruses or harmful code, posting defamatory content, and using content to mislead or manipulate others. Users must not attempt to circumvent our security measures or interfere with intellectual property rights of third parties. Violation of these rules may lead to immediate suspension or termination of access and may be reported to law enforcement where appropriate.
6. Disclaimer of warranties
The services and content are provided as is and as available. FINSERA México does not guarantee that content is complete, accurate, current, or free from errors. We do not warrant uninterrupted access, error-free operation, or suitability for a specific purpose. Templates and calculators are illustrative only and may require adaptation to your circumstances. Users relying on information found on the site do so at their own risk. No oral or written information provided on the site creates any warranty not expressly stated in these terms.
7. Limitation of liability
To the fullest extent permitted by applicable law, FINSERA México is not liable for indirect, incidental, consequential, special, punitive, or exemplary damages arising from use of the site, loss of data, or any decision made based on site content. Our maximum aggregate liability for direct damages arising from these terms is limited to the lesser of: (a) the total amount paid by the user to FINSERA México in the 12 months prior to the claim, or (b) 100 EUR. This cap applies even if other remedies fail of their essential purpose. Some jurisdictions do not allow such limitations, in which case liability is limited to the maximum extent permitted by law.
8. Indemnification
You agree to indemnify and hold FINSERA México, its officers, directors, employees, contractors, and agents harmless from any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising from your breach of these terms, your misuse of the services, or your violation of third-party rights. This obligation continues after termination of your access to the site.
9. Third-party links and services
The site may include links to third-party websites or services that are not owned or controlled by FINSERA México. We do not endorse and are not responsible for the content, privacy practices, or terms of such third parties. Use of third-party services is at your own risk. If you access third-party services, you should review their terms and privacy policies before providing personal information.
10. Privacy
Our Privacy Policy is incorporated by reference and describes how we collect, use, and store personal data. By using the site you consent to collection and processing of personal data as described in the Privacy Policy. The Privacy Policy is available at the Privacy page linked in the site footer. If you submit information through forms, you acknowledge that you have read and accept the Privacy Policy terms.
11. Governing law and dispute resolution
These terms are governed by the laws of Mexico. The exclusive jurisdiction for disputes arising from or related to these terms is the courts located in Mexico City. Before initiating formal legal action, parties agree to a 30-day informal dispute resolution period during which they will make reasonable efforts to resolve the matter directly. If the dispute is not resolved within that period, either party may pursue remedies through the courts identified in this section.
12. Termination and surviving terms
FINSERA México may suspend or terminate your access to the site at any time, with or without notice, for conduct that it believes violates these terms or is harmful to other users. Upon termination, provisions that by their nature should survive will remain in effect, including intellectual property, limitation of liability, indemnification, and dispute resolution clauses. Termination does not limit any other remedies we may have under law.
13. Modifications to terms
We may modify these terms from time to time. Material changes will become effective 14 days after posting on this page unless otherwise required by law. We will post the date when terms were last updated at the top of this document. Continued use of the site after the changes become effective constitutes acceptance of the revised terms. If you do not agree with the changes you must stop using the services.
14. Contact for legal notices
Legal notices and correspondence related to these terms should be directed to the following legal contact: FINSERA México, Av. Insurgentes Sur 1457, Colonia Insurgentes Mixcoac, 03920 Ciudad de México, México. Email for legal notices: [email protected]. Phone for general inquiries: +52 55 7482 9136. Notices are effective on the date of receipt when sent to the email address above or delivered by registered mail to the physical address.