1. Agreement
By accessing or using the Calmora Budgeting website, you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, you must immediately discontinue use of the site.
2. Educational content
All catalog lessons, guides, and resources provide general educational information about personal budgeting. They do not constitute individualized financial, tax, legal, investment, or accounting advice. No specific financial outcome is guaranteed. Learners in Buenos Aires, Córdoba, Rosario, Mendoza, and La Plata are responsible for their own financial decisions.
3. Lawful use
You agree to use the site in a lawful and respectful manner. You must not attempt unauthorized access, interfere with site operations, or provide false information when contacting Calmora Budgeting or completing any form.
4. Intellectual property
The Calmora Budgeting name, written lessons, exercises, course structure, and original interface content are the property of the site operator or its licensors. Purchased or authorized materials may be used solely for personal learning. Reselling, republishing, or distributing content without explicit permission is prohibited.
5. Catalog and cart
All prices shown in the catalog are in Argentine pesos (ARS). The browser-based cart and tracked-item features are provided for convenience only. They do not confirm payment, enrollment, availability, or create an enforceable order.
6. Availability and liability
We strive to maintain useful and accessible content but cannot guarantee uninterrupted service or error-free pages. To the fullest extent permitted by law, Calmora Budgeting is not liable for any decisions made based solely on the general educational content provided.
7. Questions and changes
Questions regarding these terms may be submitted via the contact page. Any updates will be posted with a revised date. Our privacy practices are outlined in the Privacy Policy.