Terms and Conditions

1. Acceptance

By accessing or using this website and associated services, you agree to be bound by these Terms and Conditions. If you do not agree with these terms, do not use the site. Use of the site is permitted only for individuals who are at least 16 years old. If you are under 16, you must obtain verified consent from a parent or legal guardian to use any services that collect personal data. Parents and guardians are responsible for supervising use by minors.

2. Service description

PrismaFin México provides educational content about everyday personal finances in Mexico. Services include published articles, downloadable budget templates, comparative local cost studies, case studies, and a paid educational course titled PrismaFin: hábitos para organizar tu presupuesto. Content is educational and designed to help users understand household spending, plan budgets, and adopt practical financial habits. The scope includes online articles, downloadable files, email communications related to course delivery, and optional registration mechanisms. The platform does not provide individualized investment, legal, or tax advice. Any course features, pricing, availability, or delivery methods may change. PrismaFin reserves the right to modify or discontinue content or services with or without notice when required for compliance, maintenance, or improvement.

3. User obligations

Users must use the site lawfully and respect intellectual property and other users. Prohibited actions include scraping content at scale, reverse engineering site functionality, impersonation, and uploading malicious files. Each user is limited to one account for course enrollment unless otherwise authorized. Users must provide accurate contact information when registering and keep credentials secure. Any attempt to disrupt services, exploit vulnerabilities, or interfere with other users will result in suspension or termination.

4. Intellectual property

All site content, including text, images, templates, code, and logos, is owned or licensed by PrismaFin México. Users are granted a limited, non-exclusive, non-transferable license to view, download, and use materials for personal, non-commercial purposes only, provided attribution is retained. Reuse, republication, distribution, or creation of derivative works for commercial purposes is prohibited without prior written permission.

5. Prohibited activities

Prohibited activities include spamming, hacking, fraud, distributing illegal content, violating third-party rights, automated extraction of data without consent, bypassing security controls, and using content to mislead third parties. Users may not employ the site for unlawful marketing, sale of prohibited products, or any action that harms other users or third parties.

6. Disclaimer of warranties

Services and content are provided as is and as available. PrismaFin México does not guarantee uptime, accuracy, completeness, or fitness for any particular purpose. While efforts are made to verify data and calculations, errors may occur. Users rely on content at their own risk. The site makes no promises regarding specific outcomes, financial results, savings, or earnings from following advice or templates.

7. Limitation of liability

To the fullest extent permitted by applicable law, PrismaFin México is not liable for indirect, incidental, special, consequential, or punitive damages arising from use of the site. The maximum aggregate liability for direct damages is limited to the lesser of the amount paid by the user to PrismaFin in the last 12 months or 100 EUR. This cap applies regardless of the legal theory advanced. Some jurisdictions do not allow limitations on liability, and where such laws apply, these limitations may not fully apply.

8. Indemnification

Users agree to indemnify, defend, and hold harmless PrismaFin México, its officers, employees, and affiliates from third-party claims arising from the user breach of these terms or the user's misuse of the site. This includes any claims related to content submitted by the user, violations of third-party rights, or unlawful activity.

9. Third-party links

The site may contain links to third-party websites and services. PrismaFin México does not control those sites and is not responsible for their content, privacy practices, or availability. Inclusion of a link does not imply endorsement. Users should review terms and privacy policies of third-party sites before providing personal information.

10. Privacy

Personal data collection and use are governed by our Privacy Policy, which is incorporated by reference. The Privacy Policy explains which data we collect through registration and other interactions, the purposes of processing, retention periods, security measures, and user rights. By using the site you accept the practices described in the Privacy Policy. The Privacy Policy is available at the Privacy Policy link in the site footer.

11. Governing law

These Terms are governed by the laws of the United Mexican States. Any dispute arising under or in connection with these Terms will be subject to the exclusive jurisdiction of the courts located in Mérida, Yucatán, Mexico.

12. Dispute resolution

Parties agree to seek informal resolution before initiating litigation. A user must notify PrismaFin México of any dispute and allow a 30-day period for informal resolution. If unresolved after 30 days, either party may pursue legal remedies under the governing law clause above.

13. Termination

PrismaFin México may suspend or terminate user access for violations of these Terms, unlawful conduct, or for operational reasons. Termination may occur with or without notice. Surviving clauses include intellectual property, limitation of liability, indemnification, and governing law provisions.

14. Modifications

PrismaFin México may update these Terms. Material changes will take effect 14 days after posting. Continued use of the site after the effective date of updated Terms constitutes acceptance. Users will be notified of significant changes via a site banner or email when applicable.

15. Contact for legal notices

Legal notices and requests should be sent to:

If you require clarification about these Terms, contact the address above. Last Updated: February 18, 2026.