Terms of Service

Welcome to Fincultora. These Terms of Service ("Terms") govern your access to and use of the Fincultora website at fincultora.com (the "Platform"). By accessing or using the Platform, you agree to be bound by these Terms.

1. About the Platform

Fincultora is a global research and educational platform that studies financial culture worldwide. All content published on this Platform is strictly for informational and educational purposes. We do not offer paid services, financial products, or personalized financial advice of any kind.

2. Acceptance of Terms

By accessing or using the Platform, you confirm that you are at least 16 years of age and agree to comply with these Terms and our Privacy Policy. If you do not agree, please do not use the Platform.

3. Not Financial Advice

Nothing on Fincultora constitutes financial, investment, legal, tax, or any other professional advice. All content — including research summaries, data visualizations, statistics, analysis, and editorial content — is published solely for educational and informational purposes.

You should not make financial decisions based solely on content from this Platform. For guidance specific to your financial situation, consult a qualified and licensed financial professional in your jurisdiction.

4. Permitted Use

You may access and use the Platform for personal, educational, and non-commercial purposes. You may:

• Read, share links to, and reference our content with appropriate attribution
• Use our research for educational purposes, academic work, and journalism
• Contact us with questions, feedback, or collaboration proposals

5. Prohibited Use

You may not:

• Reproduce, redistribute, or republish our content in bulk without written permission
• Use automated scripts, bots, or scrapers to extract content from the Platform
• Misrepresent our content as financial advice or official endorsement
• Engage in any activity that disrupts or interferes with Platform operation
• Attempt to gain unauthorized access to any part of the Platform or its systems
• Use the Platform in any manner that violates applicable law

6. Intellectual Property

All original content on this Platform — including text, graphics, data visualizations, and research commentary — is the property of Fincultora and is protected by applicable copyright law. Third-party data, statistics, and research cited on the Platform remain the property of their respective owners and are referenced for educational purposes under fair use principles.

You may quote or cite our content for non-commercial, educational purposes provided you credit Fincultora and include a link to the source page.

7. Third-Party Content and Links

The Platform references data and research from third-party institutions including the World Bank, OECD, Federal Reserve, academic journals, and national statistics agencies. We do not control these sources and make no representations about their accuracy or completeness. Links to external sites are provided for convenience only; we do not endorse third-party websites or their content.

8. Accuracy and Completeness

We strive to publish accurate, well-sourced information. However:

• All statistics and figures are approximations based on available research and are subject to change
• Research conclusions represent interpretations of available data and may differ from other analyses
• Financial and economic conditions evolve rapidly; some content may become outdated

We make no warranties, express or implied, about the completeness, accuracy, or reliability of any content on the Platform.

9. Limitation of Liability

To the fullest extent permitted by law, Fincultora and its team shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of, or inability to use, the Platform or its content. This includes, without limitation, any financial losses resulting from decisions made based on Platform content.

10. No Warranties

The Platform is provided "as is" and "as available" without any warranty of any kind. We do not warrant that the Platform will be error-free, uninterrupted, or free of viruses or other harmful components.

11. Changes to Terms

We reserve the right to modify these Terms at any time. When we do, we will update the "Last updated" date. Continued use of the Platform after changes constitutes acceptance of the revised Terms.

12. Governing Law

These Terms are governed by and construed in accordance with applicable law. Any disputes arising from these Terms or your use of the Platform shall be subject to the exclusive jurisdiction of the competent courts in the applicable territory.

13. Contact

For questions about these Terms, contact us at:

• Email: info@fincultora.com
• Website: fincultora.com