Terms & Conditions

Last updated: 12 January 2026

These Terms & Conditions govern the access to and use of the website pagotariomx.com and any educational materials, workshops or communications offered by Pagotariomx S.C. By using the site you accept these terms in full.

1. Nature of the service

Pagotariomx offers educational content and independent guidance about personal finance in Mexico. We do not provide financial services, we do not open accounts, we do not manage investments and we do not sell financial products. Nothing on this site should be interpreted as investment advice or a public offer.

2. Educational nature of content

All materials, examples, comparisons and worksheets are educational. Any reference to potential return is always to be understood as adjusted for risk and used only as an illustrative concept. Decisions about your household finances remain your sole responsibility.

3. Use of the site

You agree to use the site lawfully, without interfering with its operation, its security or the experience of other users. You agree not to attempt to access non public areas, reverse engineer any component or use the content for unlawful or misleading purposes.

4. Intellectual property

All texts, graphics, logos, images and materials are the property of Pagotariomx or are used under licence. You may consult and share our public educational materials for personal, non commercial purposes as long as you credit Pagotariomx and do not alter their meaning.

5. Third party links

The site may contain links to third party resources or public information portals. We are not responsible for the content, availability or practices of those external sites.

6. Limitation of liability

To the maximum extent permitted by Mexican law, Pagotariomx shall not be liable for indirect, incidental or consequential damages arising from the use of the site or its content. The site is offered on an "as is" basis, without warranties of uninterrupted availability.

7. Personal data

Personal data collected through the site is processed in accordance with our Privacy Policy. By using the contact form you confirm you have read and accepted that policy.

8. Changes

We may update these Terms & Conditions to reflect legal, technical or operational changes. The current version is always available on this page.

9. Applicable law and jurisdiction

These Terms are governed by the laws of the United Mexican States. Any dispute shall be submitted to the competent courts of Ciudad de México, unless otherwise required by mandatory law.