Terms of Use

1. Acceptance of Terms

Welcome to Savendolaro. By accessing and using this website, you agree to comply with and be bound by these Terms of Use, as well as our Privacy Policy. If you do not agree with any part of these terms, we ask that you do not use our website.

These terms constitute a legally binding agreement between you (the "User") and Savendolaro (the "Site", "we", "our"). We reserve the right to modify these terms at any time, so we recommend that you review them periodically.

2. Service Description

Savendolaro is an educational and informational portal that provides content about traditional Mexican tandas, savings cooperatives, their operating mechanisms, risks, benefits, and best participation practices.

Important: This website does NOT organize tandas, does NOT manage collective funds, does NOT act as a financial intermediary, and does NOT offer personalized financial advisory services. We are solely an educational platform.

3. Educational Nature of Content

All content provided on this website is for educational and informational purposes only. The information presented does not constitute:

• Professional financial, legal, or tax advice
• Specific investment or savings recommendations
• Guarantee of results or returns
• Offer or promotion of financial products
• Endorsement of any specific tanda or cooperative

We recommend consulting with qualified professionals before making any important financial decision.

4. Liability and Disclaimer of Warranties

Savendolaro provides this website and its content "as is" without warranties of any kind, whether express or implied. Specifically:

4.1 Content Disclaimer

Although we strive to provide accurate and up-to-date information, we do not guarantee:

• The accuracy, completeness, or timeliness of information
• That content is appropriate for your particular situation
• Specific results from using the information provided
• The absence of errors or service interruptions

4.2 Limitation of Liability

To the maximum extent permitted by law, Savendolaro will not be liable for:

• Financial losses derived from participation in tandas or cooperatives
• Decisions made based on site information
• Direct, indirect, incidental, or consequential damages
• Loss of data, profits, or opportunities
• Technical problems or service interruptions

4.3 Tanda Risks

You acknowledge and accept that participation in informal tandas carries significant risks, including but not limited to:

• Total or partial loss of your investment
• Default by other participants
• Fraud or misappropriation of funds
• Lack of legal or regulatory protection
• Interpersonal conflicts

5. Acceptable Use of the Site

By using this website, you agree to:

5.1 Permitted Conduct

• Use the site only for legal and educational purposes
• Provide truthful and accurate information in forms
• Respect intellectual property rights
• Maintain confidentiality of your access credentials
• Comply with all applicable laws

5.2 Prohibited Conduct

It is strictly prohibited to:

• Attempt to access restricted areas without authorization
• Transmit viruses, malware, or malicious code
• Perform automated scraping without permission
• Use the site to promote tandas or financial services
• Impersonate another person or organization
• Interfere with the normal operation of the site
• Reproduce, distribute, or modify content without authorization
• Use information obtained for spam or unsolicited marketing

6. Intellectual Property

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 Savendolaro or its content providers and is protected by Mexican and international intellectual property laws.

6.1 Copyright

Content is protected by copyright. You may not copy, reproduce, distribute, publish, display, perform, modify, create derivative works, transmit, or exploit in any way any part of the content without our prior written permission.

6.2 Trademarks

"Savendolaro" and other logos and marks displayed on the site are registered trademarks. You may not use these marks without our prior written consent.

6.3 Limited Use

You are granted a limited, non-exclusive, non-transferable, and revocable license to access and use the content solely for personal, non-commercial use. This license does not include the right to download content in bulk or create databases.

7. Links to Third-Party Sites

Our site may contain links to third-party websites that are not operated or controlled by us. We have no control over the content, privacy policies, or practices of third-party sites and assume no responsibility for them.

The inclusion of any link does not imply endorsement, approval, or recommendation on our part. Access to third-party sites is at your own risk.

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

8. User-Generated Content

If our site allows in the future the submission of comments, reviews, or other user-generated content:

• You retain ownership of your content but grant us a worldwide, royalty-free, perpetual, and irrevocable license to use, reproduce, modify, and distribute such content
• You are responsible for the legality, reliability, and appropriateness of the content you submit
• You must not submit content that is defamatory, obscene, offensive, illegal, or violates third-party rights
• We reserve the right to remove any content at our discretion

9. Privacy and Data Protection

Use of this website is also governed by our Privacy Policy, which is an integral part of these Terms of Use. We recommend reading it carefully to understand how we collect, use, and protect your personal information.

By using this site, you consent to the processing of your personal data in accordance with our Privacy Policy and the Federal Law on Protection of Personal Data Held by Private Parties of Mexico.

10. Termination of Access

We reserve the right to suspend or terminate your access to the website at any time, without prior notice, for any reason, including but not limited to:

• Violation of these Terms of Use
• Fraudulent or illegal behavior
• Abuse of the site or its functionalities
• At our sole discretion without need for justification

Termination will not affect rights and obligations accrued before the termination date.

11. Indemnification

You agree to indemnify, defend, and hold harmless Savendolaro, its affiliates, directors, employees, agents, and suppliers from and against any claim, liability, damage, loss, cost, or expense (including reasonable legal fees) arising from:

• Your use of the website
• Violation of these Terms of Use
• Violation of any third-party rights
• Content you submit or post
• Your conduct in connection with the site

12. Modifications to Service and Terms

We reserve the right to modify, suspend, or discontinue any aspect of the website at any time without prior notice, including:

• Site functionalities
• Available content
• Access requirements
• These Terms of Use

Changes to these terms will be effective immediately upon posting on the site. Your continued use of the site after any changes constitutes your acceptance of the new terms.

13. Severability

If any provision of these Terms of Use is deemed invalid, illegal, or unenforceable by any competent court, such provision will be removed or limited to the minimum extent necessary, and the remaining provisions will continue in full force and effect.

14. Waiver

Our failure to exercise or enforce any right or provision of these Terms of Use will not constitute a waiver of such right or provision. Any waiver must be in writing and signed by us.

15. Entire Agreement

These Terms of Use, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Savendolaro regarding the use of the website and supersede all prior agreements, whether written or oral.

16. Jurisdiction and Governing Law

These Terms of Use will be governed and construed in accordance with the laws of the United Mexican States, without giving effect to any principle of conflicts of law.

Any dispute related to these terms or use of the website will be subject to the exclusive jurisdiction of the competent courts of Villahermosa, Tabasco, Mexico.

By using this site, you waive any objection you may have to the jurisdiction and venue of such courts.

17. Duration

These Terms of Use will remain in full force and effect while you use the website. Provisions that by their nature should survive termination (including, without limitation, intellectual property provisions, disclaimer of warranties, indemnification, and limitations of liability) will survive any termination.

18. Force Majeure

We will not be liable for any failure or delay in fulfilling our obligations due to causes beyond our reasonable control, including but not limited to natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, strikes, or shortage of transportation facilities, fuel, energy, labor, or materials.

19. Assignment

You may not assign or transfer these Terms of Use or your rights or obligations under them without our prior written consent. We may assign or transfer these terms at our sole discretion. These terms are binding upon and inure to the benefit of the parties and their respective permitted successors and assigns.