Terms and Conditions

• "Site" refers to valmado.com and all its subdomains.

• "User" refers to any person who accesses the Site.

• "Content" refers to all educational materials, articles, graphics and information published on the Site.

• "Valmado" or "we" refers to Valmado S.A.C., a company incorporated in Peru.

By using this Site, you confirm that:

• You are at least 18 years old or have authorization from a legal guardian.

• You agree to comply with these Terms and Conditions.

• You accept our Privacy Policy and Cookie Policy.

IMPORTANT - DISCLAIMER:

• We do not provide financial services. Valmado is exclusively an educational and informational platform.

• Educational materials do not constitute investment advice. We are not financial, investment or tax advisors.

• Potential return mentioned is adjusted for risks. All investment carries risk of loss.

• We are not authorized or regulated by the Superintendency of Banking, Insurance and AFP (SBS) to offer financial services.

Always consult with qualified financial professionals before making investment decisions.

All content on the Site, including texts, graphics, logos, icons, images and software, is the property of Valmado S.A.C. or its licensors and is protected by Peru's intellectual property laws and international treaties.

Permitted:

• View and download content for personal, non-commercial use.

• Share links to the Site.

Prohibited:

• Reproduce, distribute or modify content without written authorization.

• Use content for commercial purposes.

• Remove copyright notices.

When using the Site, you agree not to:

• Use the Site for illegal or unauthorized purposes.

• Attempt to access restricted areas of the Site.

• Transmit viruses or malicious code.

• Submit false or misleading information through our forms.

• Impersonate third parties.

Content is provided "as is" without warranties of any kind. Valmado does not guarantee:

• The accuracy, completeness or timeliness of information.

• That the Site will be error-free or uninterrupted.

• Specific results from using educational information.

In no event shall Valmado be liable for direct, indirect, incidental or consequential damages arising from use of the Site or financial decisions based on our educational content.

Our Site may contain links to third-party websites. We do not control and are not responsible for the content, privacy policies or practices of external sites. Inclusion of links does not imply endorsement.

We reserve the right to modify these Terms at any time. Changes will take effect upon being posted on the Site. Continued use of the Site after changes constitutes acceptance of the new terms.

We may suspend or terminate your access to the Site at any time, without prior notice, if we believe you have violated these Terms.

These Terms are governed by the laws of the Republic of Peru. Any dispute shall be subject to the exclusive jurisdiction of the courts of Lima, Peru.

For inquiries about these Terms and Conditions:

Valmado S.A.C.

Av. Javier Prado Este 4200, San Isidro

Lima 15036, Peru

Email: legal@valmado.com

RUC: 20608745123