Terms of Use

Last Updated: 6 April 2026

Clause 1 — Acceptance of Terms

By accessing or using the website grupovanguardiacoi.com (the "Website") or registering for any webinar session offered by Grupo Vanguardia COI (the "Service Provider"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Website or register for any sessions.

Clause 2 — Nature of the Service

Grupo Vanguardia COI provides educational webinar sessions on the subject of the Colombian credit system, credit history, and related financial literacy topics. The Educational Content offered through this Website and its sessions is informational in nature only.

The Service Provider expressly does not:

• Offer credit repair services of any kind
• Act as an intermediary between users and financial institutions
• Provide personalized financial or legal advice
• Manage, negotiate, or restructure debts on behalf of users
• Represent users before any regulatory or financial body

Any decision made by a user based on information obtained through this Website or its sessions is made at the user's own discretion and responsibility.

Clause 3 — Intellectual Property

All content on this Website, including but not limited to text, images, graphics, session materials, and the Website's design, is the property of Grupo Vanguardia COI or its licensors and is protected under applicable Colombian intellectual property law, including Ley 23 de 1982 (Copyright Law) and its amendments.

Users are granted a limited, non-exclusive, non-transferable license to access and use the Website and its content for personal, non-commercial educational purposes only. Reproduction, distribution, modification, or commercial use of any content without prior written consent from the Service Provider is prohibited.

Clause 4 — User Conduct

When using the Website or attending webinar sessions, users agree to:

• Provide accurate information when completing the contact form
• Use the Website and session content solely for lawful, personal educational purposes
• Refrain from recording, reproducing, or distributing session content without written authorization
• Respect other session participants and the session facilitator
• Not attempt to disrupt, hack, or interfere with the Website's technical operation

Clause 5 — Session Access and Cancellation

Access to webinar sessions is confirmed upon completion of the registration and payment process as communicated by the Service Provider. The Service Provider reserves the right to reschedule or cancel a session due to circumstances beyond its reasonable control. In the event of cancellation by the Service Provider, participants will be offered an alternative date or a refund of the access fee paid.

Participants who are unable to attend a confirmed session should notify the Service Provider in advance. Refund eligibility for participant-initiated cancellations will be communicated at the time of registration.

Clause 6 — Limitation of Liability

The Educational Content provided through this Website and its sessions is for general informational purposes only. The Service Provider makes no representations or warranties regarding the accuracy, completeness, or applicability of the content to any individual's specific financial situation. The Service Provider is not liable for any financial decisions made by users based on information obtained through the Website or sessions.

To the extent permitted by applicable Colombian law, the Service Provider's total liability for any claim arising from use of the Website or sessions shall not exceed the amount paid by the user for the session in question.

Clause 7 — External Links

The Website may contain links to external websites for reference purposes. The Service Provider does not control and is not responsible for the content, privacy practices, or accuracy of external websites. The inclusion of a link does not constitute endorsement of the linked site.

Clause 8 — Governing Law and Jurisdiction

These Terms of Use are governed by the laws of the Republic of Colombia. Any dispute arising from or relating to these terms or the use of the Website shall be subject to the jurisdiction of the courts of the city of Cali, Valle del Cauca, Colombia, unless mandatory consumer protection law provides otherwise.

Clause 9 — Modifications to Terms

The Service Provider reserves the right to modify these Terms of Use at any time. Changes will be effective upon publication on the Website. Continued use of the Website after changes are published constitutes acceptance of the revised terms. The "Last Updated" date at the top of this page will reflect the date of the most recent revision.

Clause 10 — Contact

Questions about these Terms of Use may be directed to: info@grupovanguardiacoi.com or Cl. 13 #425, San Pedro, Cali, Valle del Cauca, Colombia.