Terms & Conditions

1. Nature of the service

Patrimado is a financial education portal that offers informational materials, educational content, and guidance tools on personal finance. All published content is exclusively educational and informational in nature.

We do not provide financial services. The published materials do not constitute investment advice, recommendations to buy or sell financial assets, or legal, tax, or accounting advice of any kind.

Any reference to returns, rates, or market values is presented for illustrative and educational purposes. Potential returns should always be considered adjusted for risks.

2. Acceptable use

You agree to use the portal only for lawful purposes and in accordance with these Terms. You must not: use the site in a way that could damage, overload, or deteriorate its operation; attempt unauthorized access to our systems; reproduce or distribute content without prior authorization; or use the site for any illegal or fraudulent activity.

3. Intellectual property

All portal content, including texts, graphics, logos, images, designs, and software, is the property of Patrimado Educación Financiera S.R.L. or its licensors and is protected by Argentine intellectual property laws (Law 11,723) and applicable international treaties.

Personal and non-commercial use of educational content is permitted, provided the source is cited. Any total or partial reproduction for commercial purposes requires prior written authorization.

4. Disclaimer of liability

The content of this portal is provided “as is” and “as available.” Patrimado does not guarantee the accuracy, completeness, timeliness, or suitability of the information for any particular purpose. Financial decisions you make based on information from this portal are your sole responsibility.

We are not responsible for losses, direct or indirect damages, lost profits, or any other harm arising from the use or inability to use this portal or its content.

Links to third-party websites are provided for reference only and do not imply endorsement or responsibility for their content.

5. Contact form

The contact form is intended solely to receive general inquiries about the portal's educational content. Responses provided do not constitute personalized advice of any kind. For specific financial decisions, we recommend consulting with a licensed professional.

6. Data protection

The processing of personal data is governed by our Privacy Policy, available on this portal, and complies with the provisions of Law 25,326 on Personal Data Protection of the Argentine Republic.

7. Modifications

We reserve the right to modify these Terms and Conditions at any time, without prior notice. Modifications will take effect from their publication on the portal. Continued use of the site after the publication of changes implies your acceptance of the new terms.

8. Applicable law and jurisdiction

These Terms and Conditions are governed by the laws of the Argentine Republic. Any dispute arising in connection with the use of this portal shall be submitted to the jurisdiction of the Ordinary Courts of the Autonomous City of Buenos Aires, with the parties waiving any other forum or jurisdiction that may correspond to them.

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

9. Contact

For inquiries about these Terms and Conditions, you can contact us at: contacto@patrimado.com | Patrimado Educación Financiera S.R.L. | Av. Corrientes 1234, 8th Floor, Office B, C1043AAR | Buenos Aires, Argentina.