Terms and Conditions

Welcome to Torivexa. By accessing and using this website, you agree to comply with these terms and conditions. Please read them carefully.

1. Acceptance of Terms

By accessing and using the Torivexa website, you agree to be bound by these Terms and Conditions, all applicable laws and regulations, and agree that you are responsible for compliance with applicable local laws. If you disagree with any of these terms, you are prohibited from using or accessing this site.

2. Nature of Service

Torivexa is an educational platform designed to improve the financial literacy of Panamanian citizens. We do not provide financial services, investment advice, or asset management. All content is exclusively for educational and informational purposes.

3. Use of Website

You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of third parties or restrict or inhibit the use and enjoyment of the website by third parties. It is prohibited to use the site in any way that causes, or may cause, damage to the site or impairment of the availability or accessibility of the site.

4. Intellectual Property

The content of this website, including but not limited to text, graphics, logos, icons, images, and software, is the property of Torivexa and is protected by Panamanian and international intellectual property laws. You may not reproduce, duplicate, copy, or exploit any part of this website without our express written permission.

5. Limitation of Liability

The information on this website is provided 'as is' without warranties of any kind. Torivexa will not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from the use or inability to use this website or its content. You acknowledge that any financial decision you make based on the educational content of this site is at your own risk.

6. Links to Third-Party Sites

Our website may contain links to third-party websites that are not operated or controlled by Torivexa. We have no control over the content, privacy policies, or practices of third-party websites and assume no responsibility for them.

7. Modifications

Torivexa reserves the right to modify these terms and conditions at any time. Modifications will take effect immediately upon posting on the website. Your continued use of the website after any modification constitutes your acceptance of the new terms.

8. Applicable Law

These terms and conditions are governed and interpreted in accordance with the laws of the Republic of Panama. Any dispute related to these terms will be subject to the exclusive jurisdiction of the courts of Panama.