Terms of Use

By accessing or using the website oiazwicklemx.com (the "Website"), you agree to be bound by these Terms of Use. These terms apply to all visitors and users of the Website. If you do not agree to these terms in their entirety, you should not access or use this Website.

These Terms of Use are governed by the laws of the United Mexican States, including the Ley Federal del Derecho de Autor, the Código Civil Federal, and other applicable legislation. Any disputes arising from use of this Website shall be subject to the jurisdiction of the competent courts of Xalapa, Veracruz, Mexico.

The content available on this Website, including all course modules, articles, descriptions, and related materials, is provided exclusively for general educational and informational purposes. The content covers topics related to personal finance, savings instruments, banking fees, and the Mexican retirement system.

Nothing on this Website constitutes or should be construed as financial advice, investment advice, legal advice, tax advice, or any other form of professional advice. The content does not take into account your individual financial situation, objectives, or needs.

We strongly encourage users to consult with a qualified, certified financial professional before making any financial decisions. The information on this Website is not a substitute for personalized professional guidance.

You are permitted to access and use the Website for personal, non-commercial educational purposes. Specifically, you may:

• Browse and read the educational content available on the Website
• Use the contact form to submit inquiries
• Share links to publicly accessible pages of the Website

You may not:

• Reproduce, copy, distribute, or commercially exploit any content from this Website without prior written authorization from Oiazwickle
• Use the Website in any manner that could damage, disable, or impair its functioning
• Attempt to gain unauthorized access to any part of the Website or its underlying systems
• Use automated tools to scrape, crawl, or extract content from the Website without prior written permission
• Misrepresent the content of this Website or present it as personalized financial advice

All content on this Website, including but not limited to text, graphics, logos, course materials, and the overall design and structure of the Website, is the intellectual property of Oiazwickle and is protected under the Ley Federal del Derecho de Autor and other applicable Mexican and international intellectual property laws.

References to regulatory frameworks, publicly available information, and third-party regulatory bodies (such as CONSAR, Banxico, and CONDUSEF) are made for educational purposes only and do not imply any affiliation with or endorsement by those entities.

We make reasonable efforts to ensure that the educational content on this Website is accurate and reflects current Mexican financial regulations and publicly available information. However, financial regulations, products, and market conditions change over time. We do not warrant that all information is complete, accurate, or current at any given time.

Users are responsible for verifying any information obtained from this Website through official sources, including the websites of CONSAR, Banco de México, CONDUSEF, and INAI, before relying on it for any purpose.

To the fullest extent permitted by applicable Mexican law, Oiazwickle shall not be liable for any direct, indirect, incidental, or consequential damages arising from:

• Your use of or reliance on the educational content of this Website
• Any financial decisions made based on information obtained from this Website
• Temporary unavailability of the Website due to technical issues
• Errors or omissions in the content, which we will correct upon becoming aware of them

This limitation does not apply to liability arising from willful misconduct or gross negligence on the part of Oiazwickle.

This Website may contain links to external websites, including official regulatory bodies such as CONSAR, Banco de México, CONDUSEF, and INAI. These links are provided for informational and reference purposes only. Oiazwickle does not control or endorse the content of external websites and is not responsible for their content, privacy practices, or availability. Accessing external links is at your own discretion and risk.

Oiazwickle reserves the right to modify these Terms of Use at any time. Changes will be effective upon posting to the Website. The "Last Updated" date at the top of this page will be revised accordingly. Your continued use of the Website after any changes are posted constitutes your acceptance of the revised Terms of Use.

For questions about these Terms of Use, contact us at info@oiazwicklemx.com.