Terms of Use

These Terms of Use govern your access to and use of the website polmadi.com and the educational program offered by Polmadi, located at Rondeau 145, M5500 Mendoza, Argentina. By accessing this website, you agree to be bound by these terms. If you do not agree, please do not use this website.

1. Nature of the Service

Polmadi is an independent consumer education initiative. This website and the associated program provide educational and informational content about how installment financing (cuotas) works in Argentina, including explanations of financial concepts such as Total Financial Cost (CFT), nominal and effective interest rates, and installment plan structures.

The content on this website is provided for general educational purposes only. It does not constitute financial advice, investment advice, legal advice, or any other form of professional advice. Polmadi does not sell financial products or services, does not act as a financial intermediary, and does not represent any bank, financial institution, fintech company, retailer, or government agency.

2. Educational Content Disclaimer

All content on this website — including text, examples, calculations, and explanations — is intended solely to explain how financial mechanisms work in general terms. It is not tailored to any individual's personal financial situation.

You should not make financial decisions based solely on the content of this website. For decisions about specific financial products, credit agreements, or personal financial planning, we encourage you to consult a qualified financial professional or seek information directly from the relevant financial institution.

While we make reasonable efforts to ensure the accuracy of the educational content, financial regulations, rates, and conditions in Argentina change over time. We do not warrant that all information is current, complete, or applicable to your specific circumstances.

3. Intellectual Property

All content on this website, including text, graphics, logos, and design elements, is the property of Polmadi or its content providers and is protected by applicable Argentine intellectual property law. You may not reproduce, distribute, modify, or create derivative works from any content on this website without prior written permission from Polmadi.

You may print or download content for your own personal, non-commercial use, provided you retain all copyright and other proprietary notices.

4. Acceptable Use

When using this website, you agree not to:

• Use the website for any unlawful purpose or in violation of applicable Argentine law
• Attempt to gain unauthorized access to any part of the website or its underlying systems
• Transmit any harmful, offensive, or disruptive content through the contact form
• Use automated tools to scrape, crawl, or extract content from the website without permission
• Misrepresent your identity or affiliation when contacting us

5. Contact Form

The contact form on this website is provided as a means for you to submit inquiries about the educational program. By submitting the form, you confirm that the information you provide is accurate and that you consent to us using that information to respond to your inquiry, in accordance with our Privacy Policy.

We do not guarantee a response to all inquiries, though we make reasonable efforts to respond within one business day.

6. Third-Party Links

This website may contain links to third-party websites or services for reference purposes. These links are provided for your convenience only. Polmadi has no control over the content of those sites and accepts no responsibility for them or for any loss or damage that may arise from your use of them.

7. Limitation of Liability

To the fullest extent permitted by Argentine law, Polmadi shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of this website or the educational program, including but not limited to financial decisions made based on the content of this website.

This website is provided on an "as is" and "as available" basis. We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components.

8. Modifications to These Terms

We reserve the right to modify these Terms of Use at any time. Changes will take effect upon posting to this page. Continued use of the website after any changes constitutes your acceptance of the revised terms. We encourage you to review these terms periodically.

9. Governing Law and Jurisdiction

These Terms of Use are governed by and construed in accordance with the laws of the Argentine Republic. Any disputes arising from or relating to these terms or your use of this website shall be subject to the exclusive jurisdiction of the courts of the Province of Mendoza, Argentina.

10. Contact

If you have any questions about these Terms of Use, please contact us:

• Email: info@polmadi.com
• Phone: +54 261 540-6900
• Address: Rondeau 145, M5500 Mendoza, Argentina