Terms of Use

1. Acceptance of Terms

By accessing and using balmadi.com (the "Site"), you accept and agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Site. These terms are governed by the laws of the Argentine Republic.

2. Nature of the Platform

Balmadi is an informational platform that publishes user-submitted experiences with Argentine fintech applications. The content published on this Site consists of user-submitted accounts and editorial descriptions of platform categories. Nothing on this Site constitutes financial advice, investment advice, legal advice, or any form of professional recommendation.

Balmadi does not recommend any fintech product or service over another. The information on this Site is provided for informational purposes only. You should always verify current product terms, conditions, and fees directly with the relevant provider before making any financial decision.

3. Informational Purpose Only

All content on this Site is published for informational purposes. User experiences describe what specific individuals encountered at a specific point in time. Product features, fees, terms, and conditions in Argentine fintech change frequently. Information that was accurate at the time of submission may not reflect current product terms. Balmadi does not warrant the accuracy, completeness, or currency of any user-submitted content.

4. No Financial or Legal Advice

Nothing on this Site should be construed as financial advice, investment advice, tax advice, legal advice, or any other form of professional advice. You should consult a qualified professional before making financial decisions. Balmadi is not responsible for any financial decisions made based on information published on this Site.

5. User-Submitted Content

User experiences published on this Site are submitted by third parties. Balmadi moderates submissions to identify and remove fake or coordinated content but does not independently verify the accuracy of user-submitted accounts. The opinions expressed in user submissions are those of the individual submitters and do not represent the views of Balmadi.

Balmadi reserves the right to remove any submission that it determines, in its sole discretion, to be fake, promotional, defamatory, or otherwise in violation of these Terms. Balmadi does not remove submissions solely because they express negative opinions about a company or product.

6. Intellectual Property

The design, structure, and original content of this Site (excluding user submissions) are the intellectual property of Balmadi. You may not reproduce, distribute, or create derivative works from the Site's original content without prior written permission. User submissions remain the intellectual property of their respective authors; by submitting content, users grant Balmadi a non-exclusive, royalty-free license to publish and display that content on the Site.

7. Limitation of Liability

To the extent permitted by applicable Argentine law, Balmadi shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of, or inability to use, this Site or the information published on it. This includes but is not limited to financial losses resulting from decisions made based on information published on the Site.

8. External Links

This Site does not contain affiliate links. Any links to external websites are provided solely for informational reference. Balmadi does not endorse, control, or take responsibility for the content of external websites. The presence of a link to an external site does not constitute a recommendation of that site or its content.

9. Availability

Balmadi does not warrant that the Site will be available at all times or that access will be uninterrupted. We reserve the right to modify, suspend, or discontinue any aspect of the Site at any time without notice.

10. Governing Law and Jurisdiction

These Terms of Use are governed by the laws of the Argentine Republic. Any disputes arising from these terms or from the use of this Site shall be subject to the exclusive jurisdiction of the competent courts of the city of San Salvador de Jujuy, Province of Jujuy, Argentina.

11. Changes to These Terms

We may update these Terms of Use from time to time. Changes will be posted on this page with an updated date. Continued use of the Site after changes are posted constitutes acceptance of the updated terms.

12. Contact

For questions about these Terms of Use, contact us at info@balmadi.com or at EDD, Gral. Lamadrid 170, Y4600 San Salvador de Jujuy, Jujuy, Argentina.