Terms of Service
These Terms of Service govern the use of the Optarumbo website (optimarumboco.com) and the educational programs offered by Optarumbo. By accessing this website or participating in our programs, you accept these terms.
Effective Date: 6 April 2026
1. Nature of Services
Optarumbo provides educational consultancy services focused on household economic organization. Our services consist exclusively of educational sessions, practical workshops and follow-up programs designed to help families understand and review their spending structures.
Optarumbo does not provide regulated financial advice, investment advice, credit counseling or any service that requires authorization from the Superintendencia Financiera de Colombia or any other regulatory body. Nothing on this website or communicated during our programs constitutes financial advice in the legal or regulatory sense.
Participants in our programs are solely responsible for any decisions they make regarding their household finances. Optarumbo's role is educational only.
2. Website Use
This website is provided for informational purposes about Optarumbo's educational programs. Users may browse and use this website for personal, non-commercial purposes.
Users agree not to:
- Use the website in any way that violates applicable Colombian law or international law
- Transmit any unsolicited or unauthorized advertising material
- Attempt to gain unauthorized access to any part of the website or its related systems
- Use the website to collect data about other users without their consent
- Reproduce, duplicate or copy any content from this website for commercial purposes without prior written permission from Optarumbo
3. Intellectual Property
All content on this website, including text, images, logos, icons and design elements, is the property of Optarumbo or its content suppliers and is protected by applicable intellectual property laws.
Users may print or download content from this website for personal, non-commercial use only. Any other use requires prior written authorization from Optarumbo.
4. Limitation of Liability
The information provided on this website and through our educational programs is for general informational and educational purposes only. Optarumbo makes no representations or warranties of any kind, express or implied, about the completeness, accuracy or suitability of the information for any particular purpose.
To the maximum extent permitted by applicable Colombian law, Optarumbo shall not be liable for any indirect, incidental or consequential damages arising from the use of this website or from participation in our educational programs.
Optarumbo is not responsible for the content of external websites linked from this site.
5. Privacy
The collection and use of personal data through this website is governed by our Privacy Policy, which forms part of these Terms of Service. By using this website, you accept the terms of the Privacy Policy.
6. Governing Law and Jurisdiction
These Terms of Service are governed by the laws of the Republic of Colombia. Any disputes arising from the use of this website or from our services shall be subject to the jurisdiction of the competent courts in Cartagena de Indias, Colombia, unless mandatory consumer protection provisions provide otherwise.
7. Changes to These Terms
Optarumbo reserves the right to modify these Terms of Service at any time. Changes will be effective upon publication on this website. The effective date at the top of this page reflects the date of the most recent revision. Continued use of the website after changes are published constitutes acceptance of the revised terms.
For questions about these Terms of Service, contact us at info@optimarumboco.com.