Terms of Service

A. Acceptance of Terms

By accessing or using the website enfoqueglobalcoi.com, or by engaging with any of the educational services offered by Enfoque Global COI, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use this website or our services.

These Terms of Service constitute a legally binding agreement between you and Enfoque Global COI, governed by the laws of the Republic of Colombia, including the Colombian Civil Code, Law 527 of 1999 (electronic commerce), and other applicable legislation.

We reserve the right to modify these terms at any time. Continued use of the website or services following any modification constitutes your acceptance of the updated terms.

B. Description of Services

Enfoque Global COI provides educational consulting services in personal finance for Colombian professionals. Our services include:

• Individual educational consulting sessions conducted online via video call
• Thematic live webinars on personal finance topics relevant to the Colombian context
• Structured multi-session training programs on personal economic organization, savings strategies, and macroeconomic context
• Educational materials, session notes, and supporting resources provided to program participants

All services are delivered in an educational capacity. The specific scope, duration, and format of services will be agreed upon in writing prior to commencement of any paid service engagement.

C. Strictly Educational Nature of Services

All content, sessions, webinars, and materials provided by Enfoque Global COI are intended solely for educational and informational purposes. Nothing on this website or in any of our programs constitutes financial advice, investment advice, tax advice, legal advice, or any other form of professional advice regulated by Colombian law.

Enfoque Global COI is not a financial advisor, investment manager, securities broker, tax consultant, or legal professional. We do not hold any license or authorization to provide investment recommendations or financial planning services under Colombian financial regulation.

Any decisions you make regarding your personal finances, savings, investments, or tax obligations are made entirely at your own discretion and responsibility. We strongly recommend consulting qualified licensed professionals for specific financial, tax, or legal advice.

D. User Obligations

By using this website and our services, you agree to:

• Provide accurate and complete information when submitting contact forms or registering for programs
• Use the website and services only for lawful purposes and in accordance with these Terms of Service
• Not reproduce, distribute, or commercially exploit any educational materials provided to you without prior written authorization
• Not attempt to gain unauthorized access to any part of the website or its underlying systems
• Not use the website to transmit any content that is unlawful, harmful, defamatory, or otherwise objectionable
• Treat other participants in group webinars or programs with respect and professionalism

E. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, course materials, webinar recordings, and educational documents, is the property of Enfoque Global COI or its licensors and is protected by Colombian intellectual property law, including Law 23 of 1982 on copyright.

You may access and view website content for personal, non-commercial use. Educational materials provided to you as part of a paid service engagement are licensed to you for personal use only and may not be shared, reproduced, or distributed without prior written consent.

Nothing in these terms grants you any rights to use our trademarks, service marks, logos, or brand elements without express written authorization.

F. Limitation of Liability

To the maximum extent permitted by applicable Colombian law, Enfoque Global COI shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of this website or our services, including but not limited to financial losses resulting from decisions made based on educational content provided.

Our total liability for any claim arising from these terms or our services shall not exceed the amount paid by you for the specific service giving rise to the claim.

We make no representations or warranties, express or implied, regarding the completeness, accuracy, or suitability of any educational content for your specific financial situation.

G. Service Availability and Technical Issues

We make reasonable efforts to ensure that this website and our online services are available and functioning correctly. However, we do not guarantee uninterrupted or error-free operation. The website may be temporarily unavailable due to maintenance, technical issues, or circumstances beyond our control.

Online sessions and webinars are conducted via third-party video conferencing platforms. We are not responsible for technical issues arising from those platforms or from your own internet connection or device.

H. Third-Party Links and Resources

This website may contain links to third-party websites or resources for informational purposes. These links do not constitute an endorsement of the content, products, or services offered by those third parties. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites.

I. Governing Law and Dispute Resolution

These Terms of Service are governed by and construed in accordance with the laws of the Republic of Colombia. Any disputes arising from or relating to these terms or our services shall be subject to the exclusive jurisdiction of the competent courts of the city of Bogotá, Colombia.

Before initiating any formal legal proceedings, we encourage you to contact us directly to attempt to resolve any dispute amicably.

J. Modifications to Terms

We reserve the right to modify these Terms of Service at any time. When we make changes, we will update the "Last Updated" date at the top of this page. Material changes will be communicated through a notice on our website. Your continued use of the website or services after any changes constitutes your acceptance of the revised terms.

K. Contact Information

For questions or concerns regarding these Terms of Service, please contact us:

Enfoque Global COI
Cl. 74 # 15 - 80 Oficina 203, Bogotá, Colombia
Email: info@enfoqueglobalcoi.com
Phone: +57 310 302 9920