Terms & Conditions
Last updated: January 15, 2026
These Terms and Conditions govern access to and use of the gilmadoz.com website, operated by Gilmadoz S.A.C., with RUC 20612345987, located at Av. Javier Prado Este 4200, Office 1502, Santiago de Surco, Lima 15023, Peru. By accessing this site, you accept these terms in their entirety.
1. Nature of service
Gilmadoz is an educational content platform about personal finance. We are not a financial entity, we are not regulated by the Superintendency of Banking, Insurance and Private Pension Fund Administrators (SBS) of Peru, and we do not offer financial products or services of any kind. All published content is informational and educational in nature.
2. Limitation of liability
The information provided on this site does not constitute financial, legal or tax advice. Financial decisions you make based on our content are your sole responsibility. Gilmadoz shall not be liable for direct, indirect, incidental or consequential losses or damages arising from the use of published information.
3. Intellectual property
All website content, including text, graphics, logos, images, designs and software, is the property of Gilmadoz S.A.C. or its licensors and is protected by Peruvian intellectual property laws and international treaties. Its reproduction, distribution or modification without prior written authorization is prohibited.
4. Acceptable use
You agree to use this site only for lawful purposes and in accordance with these terms. It is prohibited to: attempt to access restricted areas of the site, transmit viruses or malicious code, use the site for fraudulent or illegal activities, reproduce or redistribute content without authorization.
5. Reference data
Exchange rates and financial data shown on the site are for reference only and may not reflect real-time values. We are not responsible for the accuracy or timeliness of such information. For financial transactions, always consult with a financial entity authorized by the SBS.
6. Links to third parties
Our site may contain links to third-party websites. These links are provided solely for your convenience. We do not control and are not responsible for the content, privacy policies or practices of third-party sites.
7. Modifications
We reserve the right to modify these Terms and Conditions at any time. Modifications will take effect from their publication on this page. Continued use of the site after the publication of changes constitutes your acceptance of them.
8. Applicable law
These terms are governed by the laws of the Republic of Peru. Any dispute shall be submitted to the jurisdiction of the competent courts of Lima, Peru.
9. Contact
For inquiries about these terms, write to us at contacto@gilmadoz.com or visit us at Av. Javier Prado Este 4200, Office 1502, Santiago de Surco, Lima 15023, Peru.