Last updated: January 15, 2026
Terms & Conditions
These Terms and Conditions govern the access and use of the web platform kelvando.com, operated by Kelvando S.A.C. (Tax ID: 20612847593), located at Av. Javier Prado Este 4200, Office 1502, Santiago de Surco, Lima 15023, Peru. By accessing and using our platform, you accept these terms in their entirety.
1. Acceptance of terms
By accessing, browsing, or using any content available on kelvando.com, you declare that you have read, understood, and accepted these Terms and Conditions, as well as our Privacy Policy and Cookie Policy. If you do not agree with any of these terms, we ask that you do not use the platform.
2. Nature of the service
Kelvando is an educational content platform dedicated to promoting financial literacy among Peruvian citizens. We provide articles, analysis, interactive tools, and educational resources on personal finance, savings, investment, and economic planning. All content is exclusively for informational and educational purposes.
3. Not financial advice
It is essential that you understand that Kelvando does not provide financial, investment, tax, or legal services. The content available constitutes educational material that does not represent personalized financial advice. Financial decisions you make based on information from our platform are your sole responsibility. We recommend consulting qualified professionals before making any significant financial decision.
4. Exchange rate information
Exchange rates and currency market data presented on our platform are referential and serve exclusively educational and informational purposes. This data may not reflect real-time market values and should not be used as a basis for financial transactions. Kelvando is not responsible for decisions made based on this referential data.
5. User responsibility
By using our platform, you agree to: provide truthful information in contact forms; not use the platform for illegal purposes; not attempt to access restricted areas or compromise security; respect the intellectual property of Kelvando and third parties; and not disseminate content that violates the rights of others.
6. Intellectual property
All platform content, including texts, graphics, logos, images, educational material, design, and source code, is the property of Kelvando S.A.C. or its respective licensors, and is protected by the intellectual property laws of the Republic of Peru. Reproduction, distribution, modification, or commercial use without express authorization is prohibited.
7. Limitation of liability
Kelvando provides its platform and content "as is" and "as available," without warranties of any kind. We do not guarantee that the platform will be error-free or function uninterruptedly. To the maximum extent permitted by Peruvian law, Kelvando shall not be liable for direct, indirect, incidental, or consequential damages arising from the use of the platform.
8. Third-party links
Our platform may contain links to third-party websites. These links are provided as a convenience and do not imply endorsement or responsibility by Kelvando for the content or services of such third parties.
9. Applicable law and jurisdiction
These Terms are governed by the laws of the Republic of Peru. For any dispute, the parties submit to the jurisdiction of the courts of the Judicial District of Lima, Peru, waiving any other jurisdiction that may correspond to them.
10. Dispute resolution
Before resorting to litigation, the parties agree to attempt to resolve any dispute amicably. If an agreement cannot be reached, the parties may resort to dispute resolution mechanisms provided under Peruvian law, including mediation and arbitration before the Arbitration Center of the Lima Chamber of Commerce.
11. Modifications
Kelvando reserves the right to modify these Terms at any time. Modifications will be effective from their publication on the platform. Continued use after publication constitutes acceptance of the new terms.
12. Contact
For inquiries related to these Terms, you may contact us at: Kelvando S.A.C., Av. Javier Prado Este 4200, Office 1502, Santiago de Surco, Lima 15023, Peru. Email: contacto@kelvando.com. Phone: +51 1 422 8300.