Terms of Service

1. Introduction

Welcome to the National Financial Literacy Program in El Salvador website. These Terms of Service ("Terms") govern your access to and use of our website, services, and products. By accessing or using our services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not access or use our services.

2. Definitions

Throughout these Terms, the terms "we," "us," and "our" refer to the National Financial Literacy Program in El Salvador. "Service" refers to our website, applications, and all content, services, and products available through them. "You" refers to the individual or entity accessing or using the Service.

3. Using Our Services

Our services are designed to provide financial education and resources to individuals in El Salvador. You may use our services for personal, educational, and non-commercial purposes only. We grant you a limited, non-exclusive, non-transferable, and revocable license to use our services as permitted by these Terms.

4. Account Registration

Some features of our services may require you to register for an account. When you register, you agree to provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

5. User Content

Our services may allow you to submit content such as text, files, images, and comments ("User Content"). You retain ownership of your User Content, but grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, adapt, publish, and display your User Content in connection with our services.

You are solely responsible for your User Content and represent that you have all necessary rights to submit it. You agree not to submit User Content that:

• Violates any laws or regulations
• Infringes on the intellectual property rights of others
• Contains harmful, offensive, or inappropriate content
• Impersonates any person or entity
• Contains viruses or other malicious code

6. Intellectual Property

All content, features, and functionality of our services, including but not limited to text, graphics, logos, icons, images, audio clips, and software, are owned by us or our licensors and are protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, sell, or lease any part of our services without our prior written consent.

7. Program Participation

Participation in our financial literacy programs and workshops may be subject to additional terms and conditions. Registration for programs may require providing personal information and may be subject to availability and eligibility requirements. We reserve the right to modify or cancel programs at our discretion.

8. Privacy Policy

Your privacy is important to us. Our Privacy Policy, available at Privacy Policy, explains how we collect, use, and protect your personal information. By using our services, you agree to our Privacy Policy.

9. Third-Party Links and Services

Our services may contain links to third-party websites, resources, or services. These links are provided for your convenience only. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that we are not responsible or liable for any damage or loss caused by your use of any third-party services.

10. Disclaimer of Warranties

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that our services will be uninterrupted, secure, or error-free, or that any defects will be corrected. We do not warrant the accuracy, completeness, or reliability of any content or information available through our services.

11. Limitation of Liability

To the fullest extent permitted by law, in no event shall we be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, or goodwill, arising out of or in connection with your access to or use of our services, even if we have been advised of the possibility of such damages.

Our total liability for all claims arising from or related to these Terms or our services shall not exceed the amount paid by you, if any, for accessing our services during the six months prior to the claim.

12. Indemnification

You agree to indemnify, defend, and hold us harmless from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising from or related to your use of our services, your User Content, or your violation of these Terms or any applicable laws.

13. Termination

We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason, including but not limited to a breach of these Terms. Upon termination, your right to use our services will cease immediately.

14. Changes to Terms

We reserve the right to modify these Terms at any time. We will provide notice of significant changes by posting the updated Terms on our website and updating the "Last Updated" date. Your continued use of our services after such changes constitutes your acceptance of the new Terms.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws of El Salvador, without regard to its conflict of law provisions. Any legal action or proceeding arising out of these Terms or our services shall be brought exclusively in the courts located in San Salvador, El Salvador.

16. Contact Information

If you have any questions about these Terms, please contact us at:

National Financial Literacy Program
Calle Principal 12, Colonia San Miguel
San Salvador, El Salvador
Phone: +503 7841 5063
Email: [email protected]