Terms and Conditions

This website is owned and operated by Vilmado S.A.C., a company incorporated under the laws of the Republic of Peru, identified with Tax ID (RUC) 20631234567, with legal address at Av. Javier Prado Este 1234, San Isidro, Lima, Peru. Registered in Electronic Entry N° 14587236 of the Lima Registry Office of SUNARP.

Vilmado.com is a financial education portal that provides information, articles, guides, and educational resources on personal finance, savings, budgeting, and economic wellbeing topics aimed at Peruvian citizens. IMPORTANT: This website does NOT provide financial, investment, legal, or accounting services. All content is for educational and informational purposes only.

The information contained on this website is provided for general educational purposes only and should not be considered as: • Financial, investment, or financial planning advice. • Recommendation to buy, sell, or hold any financial asset. • Legal, accounting, or tax advice. • Guarantee of specific financial results. Any decision you make based on information from this site is at your own risk. Always consult with certified and authorized professionals before making important financial decisions.

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 Vilmado S.A.C. or its content providers and is protected by Peruvian and international intellectual property laws. You are granted a limited license to access and make personal use of this site's content. You may not reproduce, duplicate, copy, sell, resell, or exploit any part of the site for commercial purposes without our express written consent.

By using this website, you agree to: • Not use the site for illegal or unauthorized purposes. • Not attempt to access restricted areas of the site or its systems. • Not transmit viruses, malware, or malicious code. • Not collect personal information from other users. • Not use content to create competing products or services. • Provide truthful information in any form or communication.

This website may contain links to third-party websites. These links are provided for your convenience only. We have no control over the content of these sites and assume no responsibility for their content, privacy policies, or practices. The inclusion of any link does not imply endorsement or approval of the linked site.

To the maximum extent permitted by Peruvian law, Vilmado S.A.C. and its directors, employees, agents, and affiliates shall not be liable for: • Direct, indirect, incidental, special, or consequential damages. • Loss of profits, data, or use. • Any loss or damage arising from the use or inability to use this site. This limitation applies regardless of whether damages are based on contract, tort, negligence, strict liability, or any other legal theory.

You agree to indemnify and hold harmless Vilmado S.A.C., its directors, employees, and agents from any claim, loss, liability, or expense (including attorney's fees) arising from your use of the website, violation of these Terms, or violation of any third-party rights.

We reserve the right to modify these Terms and Conditions at any time. Modifications will take effect immediately upon posting on the website. Your continued use of the site after any changes constitutes your acceptance of the new terms. We recommend reviewing this page periodically to stay informed of any updates.

These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of Peru. Any dispute arising in connection with these terms shall be subject to the exclusive jurisdiction of the competent courts of Lima, Peru. The parties expressly waive any other jurisdiction that may apply to them.

If you have questions about these Terms and Conditions, you can contact us through: • Contact form on our website • Address: Av. Javier Prado Este 1234, San Isidro, Lima, Peru • Email: contacto@vilmado.com