Terms of Use

Last updated: January 22, 2026

1. Acceptance of Terms

By accessing and using the Monlexavero website, you agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree with any of these terms, you should not use this website.

2. Service Description

Monlexavero is an educational platform that provides information about personal finance, specifically about responsible use of credit cards. Our goal is to:

  • Educate about how credit cards work
  • Explain financial concepts like interest rates, CAT, and minimum payments
  • Provide strategies for responsible credit use
  • Help users make informed financial decisions

Important: Monlexavero is solely an educational platform. We do not offer, sell, or manage credit cards or financial products.

3. Eligibility

To use this website, you must:

  • Be at least 18 years of age
  • Have legal capacity to enter into binding contracts
  • Provide truthful and updated information when required
  • Comply with all established terms and conditions

4. Acceptable Use

By using our website, you agree to:

  • Use the site only for educational and legal purposes
  • Not interfere with the website's operation
  • Not attempt to access restricted areas of the site
  • Not use the site for fraudulent or illegal activities
  • Respect intellectual property rights
  • Not send spam or unsolicited content

5. Educational Content

5.1 Nature of Content

All content provided on Monlexavero is for educational and informational purposes only. The information presented:

  • Is based on general knowledge about personal finance
  • Does not constitute personalized financial advice
  • Should not be considered as investment recommendation
  • May not be applicable to your particular situation

5.2 Disclaimer

Monlexavero is not responsible for:

  • Financial decisions made based on our content
  • Economic losses derived from using the information
  • Complete accuracy of information at all times
  • Changes in financial regulations or policies

6. Intellectual Property

All content on this website, including texts, graphics, logos, images, videos, and software, is owned by Monlexavero or its licensors and is protected by copyright and intellectual property laws.

A limited, non-exclusive, and revocable license is granted to:

  • Access and use the site for personal educational purposes
  • Print individual pages for personal use

It is prohibited to:

  • Reproduce, distribute, or modify content without authorization
  • Use content for commercial purposes
  • Create derivative works from the content

7. Privacy and Personal Data

The processing of your personal data is governed by our Privacy Policy, which forms an integral part of these Terms of Use. By using this site, you accept the practices described in that policy.

8. Limitation of Liability

To the maximum extent permitted by applicable law:

  • Monlexavero shall not be liable for direct, indirect, incidental, or consequential damages
  • Total liability shall not exceed the amount paid by the user (if applicable)
  • We do not guarantee continuous availability of the website
  • We are not responsible for third-party website content

9. Indemnification

You agree to indemnify and hold harmless Monlexavero, its employees, directors, and agents from any claim, loss, damage, or expense (including reasonable legal fees) arising from:

  • Your use of the website
  • Violation of these Terms of Use
  • Violation of third-party rights
  • Misuse of the provided information

10. Modifications

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately after publication on the website. Your continued use of the site after any changes constitutes your acceptance of the new terms.

11. Termination

We may suspend or terminate your access to the website at any time, with or without cause, with or without prior notice. You may also stop using the site at any time.

The following sections will survive termination: Intellectual Property, Limitation of Liability, Indemnification, and Applicable Law.

12. Applicable Law and Jurisdiction

These Terms of Use are governed by the laws of the United Mexican States. Any dispute arising in connection with these terms shall be subject to the exclusive jurisdiction of the competent courts of Mexico City.

13. General Provisions

Severability: If any provision of these terms is deemed invalid or unenforceable, the remaining provisions shall remain in full force and effect.

Entire Agreement: These Terms of Use, along with our Privacy Policy, constitute the entire agreement between you and Monlexavero.

Waiver: Failure to exercise any right does not constitute a waiver of such right.

14. Contact Information

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

  • Email: info@monlexavero.com
  • Phone: +52 55 5250 9311
  • Address: Av. Homero 109 S - 904, Polanco, Polanco I Secc, Miguel Hidalgo, 11560 Ciudad de México, CDMX