Terms & Conditions
Last updated: January 15, 2026
Acceptance of terms
By accessing and using the website sulmado.com (the 'Site'), operated by Sulmado S.A.C., you agree to be bound by these Terms and Conditions of use. If you do not agree with any part of these terms, please do not use our Site.
Service description
Sulmado provides educational and informational content about personal finance aimed at Peruvian citizens. The content includes articles, guides, informational tools and resources designed to improve financial literacy. We DO NOT provide financial services, personalized investment advice, nor do we act as financial intermediaries.
Important disclaimer
The content published on this Site is for educational and informational purposes only. It should not be construed as professional financial, legal or investment advice. The materials do not constitute an offer or solicitation to buy or sell any financial product. Any financial decision you make based on information from this Site is at your own risk. We recommend consulting with qualified professionals before making important financial decisions.
Intellectual property
All content on the Site, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads and data compilations, is the property of Sulmado S.A.C. or its content providers and is protected by Peruvian and international intellectual property laws.
User conduct
By using the Site, you agree to: not use the Site for illegal or unauthorized purposes; not attempt to gain unauthorized access to systems or networks connected to the Site; not transmit viruses or other malicious code; not collect information from other users without their consent; and not reproduce, duplicate or resell any part of the Site without express authorization.
Information accuracy
We strive to keep the information on the Site updated and accurate. However, we do not guarantee the accuracy, completeness or timeliness of the content. Information about exchange rates and market data is for reference only and may not reflect current market conditions.
Limitation of liability
To the maximum extent permitted by applicable law, Sulmado S.A.C. shall not be liable for any direct, indirect, incidental, special, consequential or punitive damages resulting from the use or inability to use the Site or its content.
Third-party links
The Site may contain links to third-party websites. These links are provided for your convenience only. We have no control over the content of these sites and assume no responsibility for them or for any loss or damage that may arise from their use.
Modifications
We reserve the right to modify these Terms and Conditions at any time. Changes will take effect immediately after being posted on the Site. Your continued use of the Site after the posting of changes constitutes your acceptance of the modified terms.
Governing law and jurisdiction
These Terms and Conditions are governed by the laws of the Republic of Peru. Any dispute arising in connection with these terms shall be subject to the exclusive jurisdiction of the courts of Lima, Peru.
Contact
For any inquiries about these Terms and Conditions, you can contact us at: Sulmado S.A.C., Av. Javier Prado Este 4600, Surco, Lima 15023, Peru. Email: info@sulmado.com