Terms of Service

Agreement to Terms

These Terms of Service constitute a legally binding agreement between you and Savinov regarding your use of our website savinovantio.com and our financial education services. By accessing or using our services, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use our services.

Description of Services

Savinov provides collective financial education services for communities in Mexican cities, including:

• Group workshops on family budgeting, tandas, and cooperative savings
• Educational materials and resources
• Consultation and guidance from local financial consultants
• Community-based financial learning programs

Our services are educational in nature and do not constitute financial advice, investment recommendations, or professional financial planning services.

Educational Nature of Services

The information and education provided through our services are for general informational purposes only. They should not be considered as:

• Professional financial advice tailored to your specific situation
• Investment recommendations or guidance
• Legal, tax, or accounting advice
• Guarantees of specific financial outcomes

Participants in our programs are responsible for their own financial decisions and should consult with qualified professionals for personalized advice.

User Responsibilities

When using our services, you agree to:

• Provide accurate and complete information when requested
• Respect the privacy and rights of other participants
• Use the information and education responsibly
• Not reproduce or distribute our educational materials without permission
• Comply with all applicable laws and regulations
• Treat facilitators and other participants with respect

Intellectual Property

All content on our website and in our educational materials, including text, graphics, logos, images, and educational content, is the property of Savinov or its licensors and is protected by copyright and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works from our content without our express written permission.

Limitation of Liability

To the fullest extent permitted by law, Savinov and its facilitators, employees, and partners shall not be liable for:

• Any financial losses or damages resulting from participation in our programs
• Decisions made based on information provided in our educational sessions
• Any indirect, incidental, or consequential damages
• Losses arising from the use or inability to use our services

Our total liability shall not exceed the amount paid by you for our services.

Program Participation

Participation in our workshops and programs is subject to:

• Availability of space and resources
• Minimum group size requirements
• Payment of applicable fees (if any)
• Adherence to program schedules and requirements

We reserve the right to cancel or reschedule programs due to insufficient enrollment, facilitator availability, or other circumstances beyond our control.

Cancellation and Refund Policy

If you need to cancel your participation in a program:

• Cancellations made at least 7 days before the program start date may be eligible for a full refund
• Cancellations made less than 7 days before may be subject to cancellation fees
• No refunds will be provided for missed sessions due to personal circumstances

If we cancel a program, participants will receive a full refund or the option to transfer to another program.

Privacy and Data Protection

Your use of our services is also governed by our Privacy Policy. We collect and process personal information in accordance with applicable Mexican data protection laws. Please review our Privacy Policy for details on how we handle your information.

Modifications to Services and Terms

We reserve the right to:

• Modify or discontinue any aspect of our services at any time
• Update these Terms of Service as needed
• Change program content, schedules, or facilitators as necessary

We will notify users of significant changes to these Terms. Continued use of our services after changes constitutes acceptance of the modified Terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of Mexico, specifically the laws applicable in the State of Chiapas. Any disputes arising from these Terms or our services shall be resolved in the courts of Tuxtla Gutiérrez, Chiapas.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

Contact Information

For questions about these Terms of Service, please contact us:

Savinov
Av. 11A. Nte. Pte. 1359
Tuxtla Gutiérrez, Chiapas, Mexico
Email: info@savinovantio.com
Phone: +52 961 602 7112