Terms of Use

A. Acceptance of Terms

By accessing and using the website panoramadiariocoi.com or participating in any program offered by Panorama Diario COI, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. If you do not agree with any part of these terms, you should not use this website or its associated services.

These Terms of Use are governed by the laws of the Republic of Colombia, including but not limited to Ley 527 de 1999 (Electronic Commerce Law), Ley 1480 de 2011 (Consumer Protection Statute), and applicable regulations issued by competent Colombian authorities.

Panorama Diario COI reserves the right to update these terms at any time. The version in effect at the time of your use of the website or programs applies. Continued use after updates constitutes acceptance of revised terms.

B. Description of Services

Panorama Diario COI provides the following educational services through its website and programs:

• Weekly online webinars analyzing Colombia's current economic environment and its implications for personal and household finances
• Written educational analyses covering macroeconomic topics including inflation, interest rate policy, fiscal decisions, and exchange rate dynamics as they relate to Colombian households
• Individual educational consultation sessions to help participants understand economic variables relevant to their specific situations
• Informational content published on this website for general educational purposes

All services described are educational in nature. Panorama Diario COI does not provide regulated financial advice, investment management, credit intermediation, or any other service requiring a license from the Superintendencia Financiera de Colombia or any other Colombian regulatory authority.

C. Educational Nature of Content

All content published on this website and delivered through our programs is intended solely for general educational and informational purposes. It does not constitute:

• Financial advice, investment advice, or wealth management recommendations
• A recommendation to buy, sell, or hold any financial instrument, security, or asset
• Credit advice or a recommendation regarding any credit product
• Tax advice or legal advice
• A prediction or projection of future economic conditions or financial outcomes

Economic conditions change continuously. Information presented in our content reflects the economic environment at the time of publication or delivery and may not remain accurate over time. Users are responsible for independently verifying information and for any decisions they make based on content accessed through our programs.

D. User Conduct

When using this website or participating in our programs, you agree to:

• Provide accurate and complete information when completing registration or contact forms
• Use the website and program content for personal educational purposes only
• Not reproduce, distribute, sell, or commercially exploit program content without prior written authorization from Panorama Diario COI
• Not use this website in any manner that could damage, disable, overburden, or impair its operation
• Not attempt to gain unauthorized access to any part of the website or its associated systems
• Respect the intellectual property rights of Panorama Diario COI and any third parties whose content may be referenced
• Conduct yourself respectfully in any interactive program components, including webinar sessions

E. Intellectual Property

All content on this website and in our programs, including but not limited to text, analyses, graphics, logos, presentation materials, and webinar recordings, is the property of Panorama Diario COI or its content providers and is protected by applicable Colombian and international intellectual property law.

You are granted a limited, non-exclusive, non-transferable license to access and use program content for your personal educational purposes only. This license does not permit you to reproduce, distribute, create derivative works from, publicly display, or commercially exploit any content without express written permission.

The Panorama Diario COI name, logo, and associated marks are the property of Panorama Diario COI. Use of these marks without authorization is prohibited.

F. Program Participation

Participation in paid programs is subject to the specific terms communicated at the time of registration, including any applicable fees, cancellation terms, and session scheduling arrangements. These program-specific terms form part of the agreement between you and Panorama Diario COI for the relevant program.

Panorama Diario COI reserves the right to modify program content, schedules, and delivery formats to reflect changes in Colombia's economic environment and to improve educational quality. Material changes to program structure will be communicated to registered participants in advance where practicable.

G. Limitation of Liability

To the maximum extent permitted by applicable Colombian law, Panorama Diario COI shall not be liable for:

• Any financial decisions made by users based on content accessed through our website or programs
• Any indirect, incidental, or consequential loss arising from use of or reliance on our content
• Temporary unavailability of the website or program delivery platforms due to technical issues beyond our reasonable control
• Inaccuracies in third-party data sources referenced in our analyses

Nothing in these terms excludes or limits liability for fraud, death, or personal injury caused by our negligence, or for any other liability that cannot be excluded under Colombian consumer protection law.

H. Third-Party Links and References

Our website and program materials may reference or link to third-party websites, including official government data sources such as DANE, Banco de la República, and the Ministry of Finance. These links are provided for informational convenience only. Panorama Diario COI does not control third-party websites and is not responsible for their content, accuracy, or privacy practices. Accessing third-party websites is at your own risk.

I. Website Availability

We aim to maintain continuous availability of this website but do not warrant that it will be available at all times without interruption. Maintenance, updates, or circumstances beyond our control may result in temporary unavailability. We will endeavor to provide advance notice of planned maintenance where practicable.

J. Governing Law and Dispute Resolution

These Terms of Use are governed by and construed in accordance with the laws of the Republic of Colombia. Any dispute arising from or in connection with these terms shall be subject to the jurisdiction of the competent courts of Bogotá, Colombia. Before initiating formal proceedings, the parties agree to attempt resolution through direct communication in good faith.

K. Modifications to Terms

Panorama Diario COI may revise these Terms of Use at any time by updating this page. The revised terms take effect upon publication. We encourage you to review these terms periodically. Your continued use of the website or programs after the publication of revised terms constitutes your acceptance of those changes.

L. Contact

For questions about these Terms of Use, please contact:

Panorama Diario COI
Cl. 44 #66 B 62, Bogotá, Colombia
Email: info@panoramadiariocoi.com
Phone: +57 320 802 7367