Terms and Conditions
Last updated: July 1, 2025
These Terms and Conditions govern access to and use of the website spisenco.com, owned by Spisenco S.A.S. By accessing and using this site, you agree to these terms in their entirety.
1. Owner Identification
Spisenco S.A.S., a commercial company incorporated under the laws of the Republic of Colombia, identified with Tax ID 901.456.789-1, registered with the Bogotá Chamber of Commerce under number 2847593, with principal domicile in Bogotá D.C., Colombia.
2. Purpose of the Website
Spisenco.com is an informational content platform about financial education, investments and economic analysis focused on the Colombian market. The site is for informational and educational purposes only.
3. Disclaimer
The content published on this website is purely informational and educational. Spisenco does not offer personalized financial, investment, legal or tax advice. Financial decisions you make based on the information on this site are your sole responsibility. Spisenco is not responsible for economic losses derived from the use of the information provided.
4. Intellectual Property
All website content, including text, graphics, logos, images, videos and software, is the property of Spisenco S.A.S. or its licensors and is protected by Colombian and international intellectual property laws.
5. Acceptable Use
The user agrees to use the website lawfully, respecting current legislation in Colombia. It is prohibited to: reproduce, distribute or modify content without authorization; use the site for illegal purposes; attempt to access restricted areas of the server; and any action that may damage or overload the site.
6. Modifications
Spisenco reserves the right to modify these Terms and Conditions at any time. Modifications will take effect from their publication on the website. Continued use of the site after modifications constitutes acceptance of the new terms.
7. Applicable Law
These Terms and Conditions are governed by the laws of the Republic of Colombia. Any dispute shall be submitted to the jurisdiction of the competent courts of Bogotá D.C., Colombia.
8. Contact
For any inquiries related to these Terms and Conditions, you can contact us through our contact form or at info@spisenco.com.