Terms & Conditions

By accessing and using this web portal, you agree to be bound by these Terms and Conditions, as well as our Privacy Policy and Cookie Policy. If you disagree with any of these terms, we request that you do not use the website.

Monlizo is a financial education portal that provides informational and educational content about personal finance management, reference exchange rates, budget planning, and financial support programs available in Peru.

Important declaration:
• We do not provide financial services.
• Published materials are exclusively educational and do not constitute investment advice.
• Exchange rates shown are for reference only and may differ from rates offered by financial institutions.
• Potential returns mentioned in any material are risk-adjusted and do not guarantee future results.

The user agrees to use the portal exclusively to:

• Access the educational and reference content provided.
• Submit legitimate inquiries through the contact form.
• Navigate the site in a responsible and respectful manner.

The following is expressly prohibited:
• Reproducing, distributing, or modifying content without prior written authorization.
• Using the site for unlawful purposes or purposes contrary to Peruvian law.
• Attempting to access restricted areas of the server or computer systems.
• Sending malicious, defamatory content, or content that violates third-party rights.

All portal content — including text, graphics, logos, images, design, navigation structure, and source code — is the property of Monlizo S.A.C. or its respective rights holders and is protected by the intellectual property laws of the Republic of Peru and applicable international treaties.

The trade name "Monlizo" and associated logo are registered trademarks or pending registration with INDECOPI.

Monlizo S.A.C. shall not be liable for:

• Financial decisions made by the user based on portal content.
• Temporary service interruptions due to technical maintenance or force majeure.
• Errors or omissions in reference exchange rates or educational content.
• Direct, indirect, incidental, or consequential damages arising from the use or inability to use the portal.
• Content of third-party websites linked from our portal.

Content is provided "as is" and "as available" without warranties of any kind, express or implied.

Data provided through the contact form will be used exclusively to respond to your inquiry. By submitting the form, you declare that the information provided is truthful and accept the processing of your data in accordance with our Privacy Policy.

These Terms are governed by the laws of the Republic of Peru. For the resolution of any dispute arising from the use of this portal, the parties submit to the jurisdiction of the competent courts of Lima, Peru, waiving any other jurisdiction that may apply.

Monlizo S.A.C. reserves the right to modify these Terms and Conditions at any time. Modifications will take effect upon publication on the portal. Continued use of the website after the publication of changes constitutes acceptance of the same.

For any inquiries related to these Terms and Conditions:

Monlizo S.A.C. Av. Javier Prado Este 4200, Surco, Lima 15023, Peru Email: info@monlizo.com Phone: +51 1 712 8900 Business hours: Monday to Friday, 9:00 AM to 6:00 PM (Lima time, GMT-5)