Please read these terms carefully before using the Caplenerato website or services. They govern your relationship with us.
These Terms of Service govern your use of the Caplenerato website located at caplenerato.com and any consultancy services we provide. By accessing our website or using our services, you agree to be bound by these terms. If you do not agree, please do not use our website or services.
Caplenerato provides informational and educational consultancy services focused on family wealth planning. Our services include individual consultancy sessions, access to digital planning tools and simulators, and educational content about household financial planning concepts.
Our services are informational and educational in nature. Nothing on this website or provided through our consultancy sessions constitutes financial advice, investment advice, tax advice, or legal advice. We describe concepts, frameworks, and general approaches to household financial planning. All decisions regarding your personal finances remain entirely your own responsibility.
You must be at least 18 years of age to use our services. By using our website and services, you confirm that you meet this requirement and that the information you provide to us is accurate and complete.
All content on this website, including text, graphics, logos, images, and digital tools, is the property of Caplenerato or its licensors and is protected by applicable intellectual property laws. You may view and use the content for personal, non-commercial purposes only. You may not reproduce, distribute, modify, or create derivative works without our prior written consent.
The financial simulators and planning tools available on our website are provided for educational and illustrative purposes only. Results generated by these tools are projections based on the inputs you provide and general mathematical models. They do not account for all variables that affect real-world financial outcomes, including market conditions, inflation, tax implications, or individual circumstances.
You should not make financial decisions based solely on simulator outputs. We encourage you to consult qualified financial, legal, and tax professionals before making any significant financial decisions.
When you submit our contact form, you are requesting information about our services. We will use the information you provide to respond to your inquiry. Submitting the form does not create a contractual relationship between you and Caplenerato, and does not obligate us to provide any specific service.
This website and its content are provided on an "as is" basis without warranties of any kind, either express or implied. We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components. We make no representations about the accuracy, completeness, or suitability of the information on this website for any particular purpose.
The financial planning concepts and frameworks described on this website are general in nature and may not be suitable for your specific situation. Individual financial circumstances vary significantly, and what works for one household may not be appropriate for another.
To the fullest extent permitted by applicable Mexican law, Caplenerato shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use this website or our services, even if we have been advised of the possibility of such damages. Our total liability to you for any claims arising from these terms or your use of our services shall not exceed the amount you paid us for the specific service giving rise to the claim.
Our website may contain links to third-party websites for your convenience and information. We do not control those websites and are not responsible for their content, privacy practices, or terms of service. Linking to a third-party website does not imply our endorsement of that site or its content.
These Terms of Service are governed by the laws of the United Mexican States, including the Código Civil Federal and applicable consumer protection legislation. Any disputes arising from these terms or your use of our services shall be subject to the jurisdiction of the competent courts of Ciudad de México, Mexico.
We may update these Terms of Service from time to time. When we make changes, we will update the "Last Updated" date. Continued use of our website after changes are posted constitutes your acceptance of the revised terms. We encourage you to review these terms periodically.
Questions about these Terms of Service may be directed to info@caplenerato.com or to our address at Matías Romero 102, Ciudad de México, Mexico.