Terms and Conditions

By accessing and using the website credonvarento.com (hereinafter, "the Site"), operated by Credonvarento Consultoría Financiera S.A. de C.V. (hereinafter, "Credonvarento", "we", or "our company"), you agree to be bound by these Terms and Conditions.

If you do not agree with any of these terms, we ask that you do not use our Site or our services.

We reserve the right to modify these terms at any time. Changes will take effect immediately upon publication on the Site.

Credonvarento provides informational and educational financial guidance and advisory services, including:

• Information about social and government support programs available in Mexico. • Educational resources on personal finances, budgeting, saving, and debt management. • Free personalized consulting to evaluate your financial situation and recommend improvement strategies.

Our services are of an advisory and educational nature. We are not a regulated financial institution and do not offer financial products such as credits, investments, or insurance.

The information and advice provided by Credonvarento:

• Is for informational and educational purposes only. • Does not constitute certified professional financial, tax, legal, or investment advice. • Should not be interpreted as a recommendation to make specific financial decisions without consulting certified professionals. • Is based on publicly available information about government programs, which may change without notice by the competent authorities.

We always recommend verifying information directly with the corresponding government institutions before making decisions based on our content.

By using our Site and services, you agree to:

• Provide truthful, complete, and up-to-date information when completing forms or requesting advice. • Use the Site only for lawful purposes and in accordance with these Terms. • Not attempt to access restricted areas of the Site or Credonvarento's computer systems. • Not use the Site to transmit harmful, defamatory, obscene, or illegal material. • Not engage in activities that could damage, disable, or overload our servers or networks.

All content on the Site, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, and software, are the property of Credonvarento or its content providers and are protected by Mexican and international intellectual property laws.

A limited license is granted to view, download, and print pages from the Site solely for personal and non-commercial use, provided that:

• You keep all copyright notices intact. • You do not modify the content in any way. • You do not use the content for commercial purposes without express written authorization.

To the fullest extent permitted by applicable law:

• The Site and its contents are provided "as is" and "as available", without warranties of any kind. • Credonvarento does not guarantee that the Site will be free of errors, viruses, or other harmful components. • We will not be liable for direct, indirect, incidental, special, or consequential damages resulting from the use or inability to use the Site. • We are not responsible for financial decisions you make based on the information provided on our Site. • We do not guarantee eligibility for any government support program, as requirements are established and verified exclusively by the competent authorities.

Our Site may contain links to third-party websites, including government portals and financial institutions. These links are provided solely for your convenience.

We have no control over the content of third-party sites and assume no responsibility for their content, privacy policies, or practices. The inclusion of any link does not imply endorsement by Credonvarento.

The processing of your personal data is governed by our Privacy Notice, available on our Site. By using our services, you accept the practices described in that notice, in accordance with the Federal Law on Protection of Personal Data Held by Private Parties.

You agree to indemnify, defend, and hold harmless Credonvarento, its officers, employees, agents, and suppliers from any claim, liability, damage, loss, and expense (including reasonable legal fees) arising from:

• Your use of the Site or services. • Your violation of these Terms. • Your violation of any right of a third party. • Any content you submit or transmit through the Site.

These Terms and Conditions shall be governed by and construed in accordance with the laws of the United Mexican States.

For any dispute arising from these Terms or the use of the Site, the parties expressly submit to the jurisdiction of the competent courts of Mexico City, waiving any other venue that may correspond to them by reason of their present or future domiciles.

• If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect. • Failure by Credonvarento to exercise any right or provision of these Terms shall not constitute a waiver of such right. • These Terms constitute the entire agreement between you and Credonvarento regarding the use of the Site. • Section headings are for convenience only and have no legal effect.

For any questions about these Terms and Conditions, you can contact us at:

Credonvarento Consultoría Financiera S.A. de C.V. Email: legal@credonvarento.com Phone: +52 (55) 1234-5678 Address: Av. Paseo de la Reforma 505, Col. Cuauhtémoc, C.P. 06500, Mexico City, Mexico