Terms of Service

1. The service

Patrimonio360 is a personal wealth management web application that lets you record and project cash flow, assets, liabilities, savings goals, investments and retirement plans, together with financial education content.

Patrimonio360 is an informational and educational tool. It does not constitute financial, accounting, legal or investment advice. Any decisions you make based on the platform's information are your sole responsibility.

2. Acceptance and capacity

By continuing to use the service, you represent that you accept these terms, that you are of legal age in your jurisdiction and, if acting on behalf of an organization, that you have the authority to bind it.

3. Account and credentials

You are responsible for keeping your login credentials confidential and for all activity under your account. You must provide accurate information and keep it up to date.

4. License

We grant you a limited, non-exclusive, non-transferable, revocable license to use the service within your subscribed plan. Reverse engineering, resale, redistribution or circumvention of technical limits is prohibited.

5. Prohibited misuse

You must not misuse the service, including but not limited to:

• Unlawful use or use contrary to applicable regulation.
• Fraud, spam or impersonation.
• Infringement of third-party intellectual property rights.
• Interference with service security: introducing malware, probing, automated scraping or unauthorized access attempts.

6. Intellectual property

The Seller retains ownership of the service and its intellectual property, including the software, documentation, design and the Patrimonio360 brand. You retain ownership of the data and content you enter; you grant us a limited license to host and process it solely to provide the service to you.

7. Payments, subscriptions and Paddle

Paid plans are billed as monthly or annual subscriptions. Paddle's Buyer Terms (https://www.paddle.com/legal/checkout-buyer-terms) apply to payment, billing, tax, cancellation and refund mechanics.

Our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all our orders. Paddle provides all customer service inquiries and handles returns.

You may cancel your subscription at any time from your account settings or via paddle.net; cancellation takes effect at the end of the current billing period.

8. Availability and warranties

We do not guarantee that the service will be uninterrupted or error-free. To the fullest extent permitted by law, all implied warranties are disclaimed, including merchantability and fitness for a particular purpose.

9. Limitation of liability

To the fullest extent permitted by law, the Seller's aggregate liability is capped at the amounts you paid in the 12 months preceding the event giving rise to the claim. We are not liable for indirect, consequential or special damages, including loss of profits, data or goodwill. These limitations do not apply to fraud, death or personal injury where required by law.

10. Suspension and termination

We may suspend or terminate your access for material breach of these terms, non-payment, security or fraud risk, or repeated or serious policy violations. After termination, you may request an export of your data for 30 days; after that period, data may be deleted.

11. Indemnity

You will indemnify the Seller against third-party claims arising from your content, unlawful use of the service, or breach of these terms.

12. Governing law and disputes

These terms are governed by the laws of Colombia. Any dispute will be submitted to the competent courts of Colombia, unless your country's consumer protection law provides otherwise.

13. General provisions

We may assign this contract in the context of a merger or acquisition; you may not assign it without our consent. We are not liable for failures caused by events beyond our reasonable control (force majeure). If any clause is held invalid, the remainder stays in force.

For any questions about these terms, contact us at deibi.cortes@gmail.com.