Legal
Terms & Conditions
Last updated: January 15, 2026
Welcome to capitalnexio.com (hereinafter, the "Website"), operated by Capitalnexio S.A.S. (hereinafter, "Capitalnexio," "we," or "the Company"), a company incorporated under the laws of the Republic of Colombia, identified with Tax ID (NIT) 901.456.789-3. By accessing and using this Website, you agree to comply with these Terms and Conditions. If you do not agree with any of these terms, please do not use the Website.
1. Nature of the Service
Capitalnexio is an educational platform that provides informational content about personal finance, family budget planning, savings, and retirement planning in the Colombian context. The content published on this Website is strictly educational in nature and does not constitute professional financial, investment, legal, or tax advice. No information presented on this site should be interpreted as a recommendation to make specific financial decisions.
2. Acceptable Use
You agree to use the Website only for lawful purposes and in accordance with these Terms. It is prohibited to: Use the Website for fraudulent or illegal activities; Attempt unauthorized access to the Website's systems or data; Reproduce, distribute, or modify the Website's content without prior written authorization; Use robots, scrapers, or other automated tools to extract content from the Website.
3. Intellectual Property
All content on the Website, including but not limited to text, articles, graphics, logos, icons, images, software, and design, is protected by Colombian intellectual property laws (Law 23 of 1982 and Andean Decision 351) and applicable international treaties. Capitalnexio or its licensors are the holders of all intellectual property rights over the content. The user is granted a limited, non-exclusive, non-transferable license to access and view the content for personal, non-commercial purposes.
4. Disclaimer of Liability
The educational content provided by Capitalnexio is offered as-is and as available, without warranties of any kind, whether express or implied. Capitalnexio does not guarantee the accuracy, completeness, or timeliness of the published information. In no event shall Capitalnexio be liable for direct, indirect, incidental, consequential, or punitive damages resulting from the use or inability to use this Website or reliance on its content. Financial decisions you make based on the information on this site are solely your responsibility.
5. Third-Party Links
The Website may contain links to third-party websites for your convenience and information. Capitalnexio does not control or take responsibility for the content, privacy policies, or practices of these third-party sites. The inclusion of a link does not imply endorsement by Capitalnexio of the linked site.
6. Personal Data Protection
The processing of your personal data is governed by our Privacy Policy, which forms an integral part of these Terms and Conditions and complies with Law 1581 of 2012 and Decree 1377 of 2013 of Colombia.
7. Applicable Law and Jurisdiction
These Terms and Conditions are governed by the laws of the Republic of Colombia. Any disputes arising from the use of the Website shall first be resolved through direct negotiation between the parties. If no agreement is reached, disputes shall be submitted to the jurisdiction of the competent courts of Bogota D.C., Colombia.
8. Modifications
Capitalnexio reserves the right to modify these Terms and Conditions at any time and without prior notice. Modifications will take effect from their publication on the Website. Continued use of the Website after such modifications constitutes your acceptance of the updated terms.
9. Contact
For any questions or comments about these Terms and Conditions, you may contact us at: Capitalnexio S.A.S., Carrera 7 No. 71-21, Office 802, Torre Avenida Chile, Bogota D.C., Colombia. Email: contacto@capitalnexio.com.