Terms & Conditions
Last updated: January 15, 2026
1. Acceptance of Terms
By accessing and using the website xalvatoriomx.com (hereinafter 'the Site'), operated by Xalvatoriomx S.A. de C.V., you agree to be bound by these Terms and Conditions, our Privacy Policy, and our Cookie Policy. If you do not agree with any of these terms, please refrain from using the Site. Continued use of the Site constitutes your acceptance of any subsequent modifications.
2. Description of Service
Xalvatoriomx is a digital platform that provides educational and informational content related to personal financial management, budget planning, savings, taxation, and government economic support programs in Mexico. Our purpose is to facilitate access to clear and understandable financial information for the general public. All content published on the Site is strictly educational and informational in nature.
3. Financial Disclaimer
Xalvatoriomx does NOT provide regulated financial services. We are not investment advisors, stockbrokers, or a credit institution authorized by the National Banking and Securities Commission (CNBV) or any other financial regulatory body in Mexico. The educational materials published on the Site do not constitute investment advice, personalized financial recommendations, or financial product offerings. Potential returns mentioned in any educational material are adjusted for risk and presented for illustrative purposes only. Any financial decision you make based on information from the Site is under your sole responsibility.
4. Intellectual Property
All content on the Site, including texts, graphics, logos, images, educational materials, design, and source code, is the property of Xalvatoriomx S.A. de C.V. or is used under license, and is protected by the intellectual property laws of the United Mexican States and applicable international treaties. Reproduction, distribution, modification, or commercial use of any content without prior written authorization from Xalvatoriomx is prohibited.
5. Permitted Use of the Site
You agree to use the Site exclusively for lawful purposes and in accordance with these Terms. It is prohibited to: use the Site for illicit or fraudulent activities, attempt to gain unauthorized access to the Site's systems, distribute viruses or malicious code, collect personal data from other users without their consent, use educational content to provide unauthorized financial services, and reproduce or distribute Site content for commercial purposes without authorization.
6. Limitation of Liability
To the maximum extent permitted by applicable Mexican law, Xalvatoriomx shall not be liable for: financial losses arising from decisions made based on our educational content, direct, indirect, incidental, or consequential damages related to the use of the Site, temporary service interruptions due to maintenance or force majeure, or the accuracy, completeness, or currency of information provided by external sources linked from the Site.
7. Third-Party Links
The Site may contain links to third-party websites, including government institutions, regulatory bodies, and financial information sources. These links are provided solely for your convenience and information. Xalvatoriomx does not control and is not responsible for the content, privacy policies, or practices of these third-party websites.
8. Contact Form
The contact form available on the Site is intended exclusively for general inquiries about our educational materials. By submitting information through the form, you confirm that the data provided is truthful and that you have read and accepted our Privacy Policy. We do not provide personalized financial advisory responses through this medium.
9. Applicable Law and Jurisdiction
These Terms and Conditions shall be governed by and construed in accordance with the laws in force in the United Mexican States. For the resolution of any dispute arising from the use of the Site or the interpretation of these Terms, the parties submit to the jurisdiction of the competent courts of Mexico City, waiving any other jurisdiction that may correspond to them by reason of their present or future domicile.
10. Modifications
Xalvatoriomx reserves the right to modify these Terms and Conditions at any time without prior notice. Modifications will take effect from the moment of their publication on the Site. We recommend that you periodically review this page to stay informed of any changes. Continued use of the Site after the publication of modifications constitutes your acceptance of the new terms.
11. Contact
For any inquiry related to these Terms and Conditions, you may contact us at: Xalvatoriomx S.A. de C.V., Av. Paseo de la Reforma 250, Floor 12, Col. Juárez, Alcaldía Cuauhtémoc, C.P. 06600, Mexico City, Mexico. Email: contacto@xalvatoriomx.com. Business hours: Monday to Friday, 9:00 AM to 6:00 PM (Central Mexico Time).