Terms of Use

Please read these Terms of Use carefully before accessing or using the Expert Money Plan website (expert-money-plan.com). By accessing or using this website, you agree to be bound by these terms. If you do not agree, do not use this website.

Clause 1 — Nature of the Platform Expert Money Plan is an educational platform. All content published on this website is provided for general informational and educational purposes only. Nothing on this website constitutes financial advice, legal advice, tax advice, or any other form of professional advice. The content is designed to help users understand general financial concepts and frameworks applicable to personal financial planning.

Clause 2 — No Professional Relationship Use of this website does not create any professional, advisory, fiduciary, or contractual relationship between you and Expert Money Plan. Submitting the contact form does not establish a client relationship of any kind. Any response we provide to your inquiry is informational only.

Clause 3 — Accuracy of Information We make reasonable efforts to ensure that the educational content on this website is accurate and up to date. However, financial regulations, laws, and practices in Ecuador may change. We do not warrant that all information is current, complete, or free from error. You should verify any information relevant to your specific situation with a qualified professional.

Clause 4 — User Responsibilities By using this website, you agree to:

• Use the website only for lawful purposes and in accordance with these Terms.
• Not attempt to gain unauthorized access to any part of the website or its systems.
• Not use the website in any way that could damage, disable, or impair its functionality.
• Not reproduce, distribute, or commercially exploit the content without written permission.
• Provide accurate information when using the contact form.

Clause 5 — Intellectual Property All content on this website, including text, design, graphics, logos, and educational materials, is the intellectual property of Expert Money Plan or its licensors and is protected under applicable law. Intellectual property rights include copyright, trademark, and related rights. You may access and use the content for personal, non-commercial educational purposes. Any other use requires prior written consent.

Clause 6 — Third-Party Links This website may contain links to third-party websites for informational purposes. Expert Money Plan does not control, endorse, or take responsibility for the content, privacy practices, or accuracy of any third-party website. Accessing third-party links is at your own risk.

Clause 7 — Limitation of Liability To the fullest extent permitted by applicable law in Ecuador, Expert Money Plan shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of, or inability to use, this website or its content. This includes any financial decisions made based on educational content published on this platform. Financial decisions are your sole responsibility.

Clause 8 — Disclaimer of Warranties This website and its content are provided "as is" without warranties of any kind, express or implied. We do not warrant that the website will be uninterrupted, error-free, or free from viruses or other harmful components. We do not make any representations about the suitability of the educational content for any particular purpose.

Clause 9 — Privacy Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using this website, you consent to the data practices described in the Privacy Policy.

Clause 10 — Cookies This website uses cookies as described in our Cookie Policy. By continuing to use the website after being presented with the cookie consent notice, you acknowledge having been informed about our cookie practices.

Clause 11 — Governing Law and Jurisdiction These Terms of Use are governed by and construed in accordance with the laws of the Republic of Ecuador. Any dispute arising from the use of this website shall be subject to the exclusive jurisdiction of the competent courts of Ecuador.

Clause 12 — Modifications to Terms Expert Money Plan reserves the right to modify these Terms of Use at any time. Changes take effect upon publication on this page. The "Last Updated" date will reflect the most recent revision. Continued use of the website after changes constitutes your acceptance of the revised Terms.

Clause 13 — Severability If any provision of these Terms is found to be unenforceable or invalid under applicable law, that provision shall be modified to the minimum extent necessary to make it enforceable, or severed if modification is not possible. The remaining provisions shall continue in full force and effect.

Clause 14 — Contact For questions about these Terms of Use, contact us at:
Email: info@expert-money-plan.com
Address: Av Rodrigo de Chávez, 170111 Quito