Terms & Conditions
Last updated: January 2026
These Terms and Conditions govern access to and use of the website nivolento.com, operated by Nivolento SpA, a corporation incorporated under the laws of the Republic of Chile, with Tax ID (RUT) 77.234.561-K and registered address at Av. Apoquindo 4800, Office 1201, Las Condes, Santiago, Chile. By accessing and using this site, you acknowledge and fully accept these terms.
1. Nature of the service
Nivolento is a platform of an exclusively educational and informational nature, focused on promoting financial literacy among Chilean citizens. All content published on this site—articles, guides, analyses, reference data and multimedia materials—is for guidance and educational purposes. Nivolento does not provide regulated financial services, does not act as a financial intermediary, stockbroker or investment advisor, and is not registered with Chile's Financial Market Commission (CMF) for such purposes. References to economic indicators, exchange rates, financial instruments or returns are purely illustrative and should not be interpreted as personalized recommendations.
2. Financial disclaimer
The content available on nivolento.com does not constitute financial, tax, accounting, legal or investment advice under any circumstances. Financial decisions you make based partially or fully on information published on this site are your sole responsibility. We strongly recommend consulting properly accredited professionals registered with the corresponding regulatory bodies before making any financial decision. Any mention of potential returns or profitability should be understood as risk-adjusted estimates that do not guarantee future results.
3. Intellectual property
All site content—including texts, graphics, logos, icons, images, data compilations, software and design elements—is the exclusive property of Nivolento SpA or is used with due authorization from the respective owners. This content is protected by Chile's Law No. 17,336 on Intellectual Property and by applicable international treaties. Its reproduction, distribution, public communication, transformation or any other form of unauthorized exploitation without prior written consent from Nivolento SpA is prohibited.
4. Acceptable use
By using nivolento.com you agree to: not use the site for illegal, fraudulent purposes or purposes contrary to these Terms; not attempt unauthorized access to systems, servers or restricted areas; not introduce or disseminate malicious content (viruses, malware, harmful scripts); not use automated data extraction techniques (scraping, crawling) without prior authorization; and not perform actions that may overload or compromise the site's infrastructure. We reserve the right to restrict, suspend or cancel access for any user who violates these conditions.
5. Third-party links
Our site may contain links or references to websites operated by third parties, provided solely for your informational convenience. Nivolento does not control, monitor or assume responsibility for the content, accuracy, availability, privacy policies or practices of such external sites. The inclusion of a link on nivolento.com does not imply endorsement, sponsorship or any association with the linked site. We recommend reviewing the terms and policies of any external site before providing personal information.
6. Limitation of liability
To the maximum extent permitted by current Chilean law, Nivolento SpA, its directors, employees, agents and collaborators shall not be liable for direct, indirect, incidental, special, consequential or punitive damages arising from the use or inability to use the website, including—without limitation—financial losses, lost profits, business interruption, data loss or damage to computer equipment, even if advised of the possibility of such damages.
7. Applicable law and jurisdiction
These Terms and Conditions are governed by and interpreted in accordance with the substantive and procedural laws of the Republic of Chile. For any dispute that may arise from access to or use of nivolento.com, the parties expressly submit to the jurisdiction of the Ordinary Courts of Justice of the city of Santiago, waiving any other jurisdiction that may correspond to them by reason of present or future domicile.
8. Modifications
Nivolento SpA reserves the right to modify these Terms and Conditions at any time without prior individual notice. Modifications shall be effective from the moment of their publication on this website. Continued use of nivolento.com after the publication of changes constitutes tacit acceptance of the modified terms. We recommend consulting this page periodically to stay informed.