Terms of Service

A. Scope and Acceptance

These Terms of Service ("Terms") govern your access to and use of the website strategiaandinao.com and all educational programs, content, and services offered by Strategia Andina ("we," "us," or "our"), located at Cra. 31 #9c-139, La Alameda, Cali, Valle del Cauca, Colombia.

By accessing this website or participating in any of our programs, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, please do not use this website or our services.

These Terms are governed by Colombian law. Any disputes arising from or related to these Terms shall be subject to the jurisdiction of the competent courts in Cali, Valle del Cauca, Colombia.

B. Nature of Services

Strategia Andina operates as a consultation and training center for personal economic education. Our services include:

• Individual educational consultations on personal economic concepts
• In-person group workshops held in Cali and the Valle del Cauca region
• Live online webinars accessible from anywhere in Colombia
• Recorded webinar content available on demand
• Online self-paced courses on personal economic topics

All services are educational in nature. Participation in any program does not create a professional advisory relationship between Strategia Andina and the participant.

C. Educational Disclaimer

This is a critical provision. Please read it carefully.

Strategia Andina provides educational content and training on personal economic concepts. We are not a financial advisory firm, investment advisor, securities broker, or any other type of regulated financial services provider. We are not registered with or regulated by the Superintendencia Financiera de Colombia.

Nothing on this website, in our courses, in our webinars, in our workshops, or in our individual consultations constitutes:

• Investment advice or recommendations
• Portfolio management services
• Securities recommendations
• Personalized financial planning
• Tax advice
• Any other service regulated by the Superintendencia Financiera de Colombia

All content is informational and educational. Any economic concepts, frameworks, or methodologies presented are for general educational purposes only. You are solely responsible for any decisions you make regarding your personal finances. We strongly encourage you to consult with a qualified, licensed financial professional for personalized financial advice.

D. User Conduct

When using our website and participating in our programs, you agree to:

• Provide accurate and truthful information when completing contact forms or registering for programs
• Use the website and educational content for lawful personal educational purposes only
• Not reproduce, distribute, or commercially exploit any course materials, webinar recordings, or other content without our prior written consent
• Not engage in any conduct that disrupts or interferes with our website or services
• Respect the intellectual property rights of Strategia Andina and third parties

We reserve the right to refuse service or terminate access to any user who violates these conditions.

E. Intellectual Property

All content on this website and in our educational programs — including but not limited to text, graphics, course materials, webinar recordings, methodologies, frameworks, and the Strategia Andina brand name and logo — is the property of Strategia Andina or its content licensors and is protected by Colombian intellectual property law and applicable international treaties.

You may access and use content for your personal, non-commercial educational purposes. You may not copy, reproduce, modify, distribute, transmit, display, publish, sell, license, or create derivative works from any content without our express written permission.

F. Limitation of Liability

To the maximum extent permitted by Colombian law, Strategia Andina shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:

• Your use of or inability to use this website or our services
• Any economic decisions you make based on content presented in our programs
• Errors, omissions, or inaccuracies in educational content
• Unauthorized access to or alteration of your data
• Any third-party content linked from our website

Our total liability for any claim arising from these Terms or your use of our services shall not exceed the amount you paid for the specific program giving rise to the claim. For free content accessed via this website, our liability is limited to the maximum extent permitted by law.

G. Third-Party Links and Content

Our website may contain links to third-party websites or resources. These links are provided for informational convenience only. Strategia Andina does not endorse, control, or assume responsibility for the content, privacy practices, or accuracy of any third-party website. Accessing third-party links is at your own risk.

H. Modifications to Terms and Services

We reserve the right to modify these Terms at any time. When we do, we will update the "Last Updated" date at the top of this page. Material changes will be communicated through a notice on our website. Your continued use of our website or services after changes are posted constitutes your acceptance of the updated Terms.

We also reserve the right to modify, suspend, or discontinue any aspect of our services at any time without liability to you, except where such modifications affect a program for which you have already paid.

I. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the Republic of Colombia. Any dispute arising from or related to these Terms or your use of our services shall first be subject to good-faith negotiation. If the dispute cannot be resolved through negotiation within 30 days, it shall be submitted to the competent courts of Cali, Valle del Cauca, Colombia.

Nothing in these Terms limits your rights as a consumer under Colombian consumer protection law (Ley 1480 de 2011 and its regulatory decrees).

J. Contact

For questions or concerns about these Terms of Service, please contact:

Strategia Andina
Cra. 31 #9c-139, La Alameda, Cali, Valle del Cauca, Colombia
Email: info@strategiaandinao.com
Phone: +57 310 214 0359