Terms of Service

SERENVIA México ("we", "us", "our") operates the educational website focused on personal finance for residents of Mexico. These Terms of Service govern your access to and use of our website and services, including downloadable templates, educational articles, and the course "Serenvia: hábitos financieros para organizar tu presupuesto". By using our website or registering for our course, you agree to be bound by these Terms. If you do not agree, please do not use the site.

1. Acceptance

By accessing or using the services provided on serenvia.digital and its associated pages, you accept and agree to these Terms of Service and any documents they incorporate by reference. You confirm that you are at least 16 years old. If you are under 16, you must obtain consent from a parent or legal guardian before using the site. Use by minors without parental consent is prohibited. Continued access or use constitutes acceptance of any updated Terms posted on the site.

2. Service description

SERENVIA México provides educational content, budgeting templates, regional cost analyses, downloadable spreadsheets, and an online course designed to help individuals and families organise daily finances. We publish articles, practical tables, and case studies based on editorial review and public sources. The service scope is educational only: we do not provide personalised financial, legal, or investment advice. Course access, when purchased or registered for, grants the registrant the rights described in the course materials and related communications; delivery methods and timelines are described during purchase or registration.

3. User obligations

When using the site you agree to use it lawfully and responsibly. You will not engage in scraping, data harvesting, reverse engineering, unauthorised access, impersonation, uploading of malware, or transmission of harmful content. Each user must maintain one account per person where account creation is required. You are responsible for maintaining the confidentiality of account credentials and for all activity that occurs under your account. You agree to provide accurate information when registering and to update it when necessary.

4. Intellectual property

All content, design, code, graphics, templates, and editorial material on this website are the intellectual property of SERENVIA México or its licensors. You are granted a limited, non-exclusive, non-transferable licence to access and use materials for personal, non-commercial purposes only. Reproduction, distribution, modification, or commercial use of site content without express written permission is prohibited. Trademarks, logos, and service marks displayed on the site are the property of their respective owners.

5. Prohibited activities

Prohibited conduct includes but is not limited to: sending spam or unsolicited messages; attempting to gain unauthorised access to site systems; distributing illegal or infringing content; infringing third-party rights; manipulating the site, including bypassing copy protection or access controls; using robots or automated tools to interact with the site; and any activity intended to harass or defraud other users.

6. Disclaimer of warranties

The services are provided "as is" and "as available". SERENVIA México makes no warranties regarding the accuracy, completeness, reliability, or timeliness of content. We do not guarantee uninterrupted access, error-free operation, or that content is suitable for any particular purpose. Any examples, templates, or calculations are illustrative and may not reflect your personal circumstances.

7. Limitation of liability

To the maximum extent permitted by applicable law, SERENVIA México will not be liable for indirect, incidental, special, consequential, or punitive damages arising from your use of the site. Our maximum aggregate liability for direct damages is limited to the lesser of the total amount you paid to SERENVIA México in the last 12 months, or 100 EUR. Some jurisdictions do not allow limitations on liability; if such laws apply, limitations will be enforced to the extent permitted.

8. Indemnification

You agree to indemnify, defend, and hold harmless SERENVIA México and its officers, directors, employees, agents, and affiliates from and against any third-party claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising from your use of the site, violation of these Terms, or infringement of any rights of another party.

9. Third-party links

The site may include links to third-party websites for informational purposes. SERENVIA México does not control these third-party sites and is not responsible for their content, privacy practices, or terms. Links do not imply endorsement. You access third-party sites at your own risk.

10. Privacy

Your use of the site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. The Privacy Policy explains what data we collect, how we use it, and your rights regarding personal data. By using the site, you acknowledge you have read and accept the Privacy Policy. Our contact email and address are listed below for privacy and legal notices.

11. Governing law

These Terms are governed by the laws of Mexico. Any disputes arising from or relating to these Terms shall be subject to the exclusive jurisdiction of the courts of Mexico City.

12. Dispute resolution

If you have a dispute with us, you agree to first contact us and attempt to resolve it informally. You must provide written notice to our contact address and allow a 30-day period for informal resolution. If the dispute is not resolved within 30 days, either party may pursue formal legal proceedings in the courts specified in the Governing Law clause.

13. Termination

SERENVIA México may suspend or terminate your access, accounts, or subscriptions without prior notice if you breach these Terms or for other legitimate reasons. On termination, provisions intended to survive (such as indemnification, limitation of liability, intellectual property, and governing law) will remain in effect.

14. Modifications

We may modify these Terms from time to time. Changes will become effective 14 days after posting on the site, unless a different effective date is specified. We will publish the Last Updated date at the top of this page. Continued use of the site after the effective date constitutes acceptance of the updated Terms. We will make reasonable efforts to notify registered users of material changes.

15. Contact

For legal notices, complaints, or other official communications regarding these Terms, contact:

Last Updated: February 20, 2026

Survival

Clauses that by their nature should survive termination or expiration of these Terms will so survive, including rights and obligations regarding indemnification, limitation of liability, intellectual property, and dispute resolution.

Acknowledgement

By using the site, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and any policies referenced herein.