Terms of Use

These Terms of Use govern your access to and use of the Nova Perspectiva website located at novaperspectivacoi.com and any educational programs or materials made available through it. By accessing or using this website, you agree to be bound by these terms. If you do not agree, please do not use this website.

Nova Perspectiva is operated from Barranquilla, Atlántico, Colombia. These terms are governed by the laws of the Republic of Colombia, including but not limited to Law 527 of 1999 (Electronic Commerce Law), Law 1480 of 2011 (Consumer Protection Statute) and other applicable Colombian legislation.

Nature of the Service

Nova Perspectiva provides educational and informational content about financial concepts relevant to digital entrepreneurs, content creators and online sellers operating in Colombia. All content on this website is provided for general educational purposes only. Nothing on this website constitutes regulated financial advice, tax advice, accounting advice, legal advice or any other form of professional advice subject to regulatory oversight in Colombia or any other jurisdiction.

The educational content we provide explores concepts, frameworks and options. It is designed to help you understand financial topics relevant to digital work. It is not designed to tell you what to do with your money, your business or your financial affairs. Decisions about your personal finances, business finances, tax obligations and legal compliance are your own responsibility. For regulated advice in these areas, you should consult qualified professionals registered with the relevant Colombian regulatory bodies, such as the Junta Central de Contadores for accounting matters.

Acceptable Use

You may use this website for lawful purposes only. You agree not to use this website in any way that violates applicable Colombian law or the laws of any other jurisdiction that may apply to you. You agree not to attempt to gain unauthorized access to any part of this website or its underlying systems. You agree not to use automated tools to scrape, copy or reproduce content from this website without our prior written permission. You agree not to use this website to transmit any content that is unlawful, harmful, threatening, abusive, defamatory or otherwise objectionable.

Intellectual Property

All content on this website, including text, images, graphics, logos and educational materials, is the property of Nova Perspectiva or its content suppliers and is protected by applicable intellectual property laws. You may view and print content from this website for your personal, non-commercial use only. You may not reproduce, distribute, modify, create derivative works from, publicly display or commercially exploit any content from this website without our express written permission.

Disclaimer of Warranties

This website and all content on it are provided on an "as is" and "as available" basis without warranties of any kind, express or implied. Nova Perspectiva does not warrant that the website will be uninterrupted, error-free or free of viruses or other harmful components. We do not warrant the accuracy, completeness or usefulness of any information on the website. Educational content reflects our understanding at the time of publication and may become outdated as economic conditions, platform policies and regulations change.

Limitation of Liability

To the fullest extent permitted by applicable Colombian law, Nova Perspectiva 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 its content. This includes any financial decisions you make based on educational content you encounter on this website. All financial decisions carry risk and you are solely responsible for the decisions you make.

Third-Party Links and Content

This website may contain links to third-party websites or reference third-party services for informational purposes. These links do not constitute an endorsement of the linked websites or their content. Nova Perspectiva has no control over and accepts no responsibility for the content, privacy practices or availability of third-party websites. Your use of third-party websites is at your own risk and subject to their own terms and policies.

Contact Form and Communications

When you submit a message through our contact form, you are initiating a communication with Nova Perspectiva for informational purposes. Submitting a contact form does not create a professional relationship, a contractual obligation or any form of regulated advisory relationship between you and Nova Perspectiva. We will endeavor to respond to inquiries in a timely manner, but we do not guarantee response times.

Modifications to These Terms

Nova Perspectiva reserves the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to the website. The "Last Updated" date at the top of this page will reflect when changes were made. Your continued use of the website after any modifications constitutes your acceptance of the updated terms. We encourage you to review these terms periodically.

Governing Law and Jurisdiction

These Terms of Use are governed by and construed in accordance with the laws of the Republic of Colombia. Any disputes arising from or relating to these terms or your use of this website shall be subject to the jurisdiction of the competent courts of Barranquilla, Atlántico, Colombia, unless mandatory consumer protection provisions of applicable law provide otherwise.

Contact

If you have any questions about these Terms of Use, please contact us at info@novaperspectivacoi.com or at CRA 59 #81-149 Lenox #1001, Riomar, Barranquilla, Atlántico, Colombia.