Terms of Use

1. Acceptance of Terms

Welcome to Savinorendo. 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. Service Description

Savinorendo is an educational platform that provides information, resources, and free tools about emergency fund planning and basic financial education. Our goal is to help people understand the importance of emergency savings and how to implement it in their financial life.

Services we offer:

• Educational content about emergency funds and financial planning
• Interactive calculator to estimate savings needs
• Practical guides on how to start and maintain an emergency fund
• Informational resources on best financial practices

3. Educational Nature of Content

IMPORTANT: This website is exclusively educational and informational.

• We do not offer financial services, banking products, or personalized financial advice
• We are not a regulated financial institution nor do we act as financial intermediaries
• The information provided does NOT constitute professional financial, legal, or tax advice
• We do not conduct financial transactions nor handle third-party funds
• The tools and calculators are only educational estimates, not guarantees or specific recommendations

For important financial decisions, you should always consult with certified professionals in finance, accounting, or law as appropriate to your particular situation.

4. Appropriate Use of the Site

By using this website, you agree to:

• Use the site only for legal and educational purposes
• Not attempt to gain unauthorized access to any part of the site
• Not transmit viruses, malware, or any destructive code
• Not collect information from other users without their consent
• Not use the site for fraudulent or illegal activities
• Provide truthful and current information when contacting us
• Respect the intellectual property rights of our content

5. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, and data compilations, is the property of Savinorendo or its content suppliers and is protected by Mexican and international copyright laws.

Permitted:

• View and use content for personal and educational purposes
• Share links to our pages on social media
• Briefly quote our content with proper attribution

Prohibited:

• Reproduce, duplicate, or copy extensive content without written authorization
• Modify or create derivative works from our content
• Use our content for commercial purposes without license
• Remove or alter copyright notices

6. Calculators and Tools

The calculators and interactive tools provided on this site are for purely educational and illustrative purposes. The results are estimates based on data you enter and general financial planning formulas.

Important limitations:

• Results do not consider your complete financial situation
• They are not investment recommendations or personalized financial advice
• Calculations may not reflect all factors relevant to your case
• They do not substitute consultation with a certified financial advisor

7. Links to Third-Party Sites

This site may contain links to third-party websites that are not operated or controlled by Savinorendo. 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 sites you visit.

8. Limitation of Liability

To the maximum extent permitted by applicable law, Savinorendo, its directors, employees, or affiliates shall not be liable for direct, indirect, incidental, special, consequential, or punitive damages resulting from:

• Use or inability to use our website
• Financial decisions made based on information from our site
• Errors or omissions in content
• Unauthorized access to our servers or information
• Interruptions or errors in transmission
• Any third-party content accessible through our site

9. Disclaimer of Warranties

This website is provided "as is" and "as available" without warranties of any kind, whether express or implied. Savinorendo does not warrant that:

• The site will meet your specific requirements
• The service will be uninterrupted, timely, secure, or error-free
• Results obtained from using the site will be accurate or reliable
• The quality of any information obtained will be satisfactory
• Any errors in the software will be corrected

10. Indemnification

You agree to indemnify, defend, and hold harmless Savinorendo, its directors, employees, agents, and affiliates from and against all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including attorney fees) arising from:

• Your use of or access to the website
• Your violation of these Terms of Use
• Your violation of any third-party rights
• Any content you provide through the site

11. Service and Terms Modifications

Savinorendo reserves the right to modify or discontinue, temporarily or permanently, the website (or any part thereof) with or without notice. We may also update these Terms of Use periodically.

The "last updated" date at the top of this page indicates when these terms were last revised. Your continued use of the site after any changes constitutes your acceptance of the new Terms of Use.

12. Applicable Law and Jurisdiction

These Terms of Use are governed by and interpreted in accordance with the laws of the United Mexican States, without giving effect to any principles of conflicts of law.

Any dispute arising in relation to these terms shall be subject to the exclusive jurisdiction of the competent courts located in Villahermosa, Tabasco, Mexico.

13. Severability

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

14. Entire Agreement

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

15. Contact

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