Terms and Conditions

Last updated: January 15, 2026

1. Acceptance of Terms

By accessing and using the website valerioadvisory.com (hereinafter "the website"), you agree to comply with and be bound by these Terms and Conditions of use. If you do not agree with any of these terms, we ask that you do not use our website.

These Terms and Conditions constitute a legally binding agreement between you ("the user") and Valerio Advisory S.A.S. ("Valerio Advisory"), a company incorporated under the laws of the Republic of Colombia, identified with Tax ID (NIT) 901.567.234-8.

2. Description of Service

Valerio Advisory is an educational platform that provides informational content about family financial planning, budgeting, saving, and pensions in the Colombian context. Our services include:

Articles and guides on financial education for families.
Information about the Colombian pension system (Colpensiones, private funds, and voluntary pensions).
Conceptual tools for budget planning.
Educational content about responsible saving and investment.

The content provided is exclusively educational and informational in nature and does not constitute professional financial advice, investment recommendations, or financial product offerings.

3. Intellectual Property

All content on the website, including but not limited to text, graphics, logos, icons, images, audio clips, data compilations, and software, is the property of Valerio Advisory or its licensors and is protected by Colombian and international intellectual property laws, including Decision 351 of the Andean Community and Law 23 of 1982.

The reproduction, distribution, modification, public display, or any other use of the website content without the prior written authorization of Valerio Advisory is prohibited.

4. User Conduct

By using our website, the user agrees to:

Provide truthful and accurate information in contact forms.
Not use the website for unlawful purposes or contrary to morals and good customs.
Not attempt to gain unauthorized access to the website's systems or networks.
Not spread computer viruses, malware, or any other malicious code.
Not impersonate another person or entity.
Not use website content for commercial activities without authorization.
Respect the intellectual property rights of Valerio Advisory and third parties.

5. Disclaimer

The content published on valerioadvisory.com is for exclusively educational and informational purposes. Valerio Advisory does not guarantee the accuracy, completeness, or timeliness of the information provided.

We are not a financial entity supervised by the Financial Superintendence of Colombia.
We do not provide personalized financial, legal, or tax advice.
We do not recommend specific financial products or investment strategies.
Financial decisions made by the user based on the website's information are their sole responsibility.

We recommend consulting with a certified financial advisor before making any important financial decision.

6. Limitation of Liability

To the maximum extent permitted by Colombian law, Valerio Advisory shall not be liable for:

Direct, indirect, incidental, special, or consequential damages arising from the use or inability to use the website.
Financial losses derived from decisions made based on the site's educational content.
Service interruptions, technical errors, or system failures.
Actions of third parties that may affect the user through the website.

7. Indemnification

The user agrees to indemnify and hold harmless Valerio Advisory, its directors, employees, agents, and affiliates from any claim, demand, damage, cost, or expense (including reasonable attorney's fees) arising as a result of:

The user's breach of these Terms and Conditions.
Improper use of the website.
Violation of third-party rights by the user.

8. Third-Party Links

Our website may contain links to third-party websites for informational purposes. Valerio Advisory does not control and is not responsible for the content, privacy policies, or practices of these external websites. The inclusion of any link does not imply approval or endorsement by Valerio Advisory.

We recommend reviewing the terms and conditions and privacy policies of any third-party website you visit.

9. Applicable Law and Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of Colombia. Any dispute arising in connection with the use of the website or these terms shall be submitted to the jurisdiction of the courts of Bogotá D.C., Colombia, with the parties waiving any other forum that may correspond to them.

Before resorting to legal proceedings, the parties commit to attempting to resolve any dispute amicably through direct communication.

10. Modifications

Valerio Advisory reserves the right to modify these Terms and Conditions at any time and without prior notice. Modifications will take effect from their publication on the website. Continued use of the website after the publication of modifications will constitute acceptance of the new terms.

We recommend periodically reviewing these Terms and Conditions to stay informed of any changes.

11. General Provisions

If any provision of these Terms and Conditions is declared null or unenforceable, the remaining provisions shall continue in full force and effect.
Valerio Advisory's waiver of exercising any right at a given time shall not constitute a permanent waiver of that right.
These Terms and Conditions constitute the complete agreement between the user and Valerio Advisory regarding the use of the website.
Communications between the parties shall preferably be carried out by electronic means.

12. Contact

For any questions related to these Terms and Conditions, you may contact us at:

Valerio Advisory S.A.S. Carrera 7 No. 71-52, Tower B, Office 1204 Bogotá D.C., Colombia Email: contacto@valerioadvisory.com Tax ID (NIT): 901.567.234-8