Terms of Service

These Terms of Service ("Terms") govern your access to and use of the website valmadi.com and the services offered by Valmadi, located at Victor Hugo 894, X5804FRN Río Cuarto, Córdoba, Argentina ("Valmadi," "we," "us," or "our"). By accessing or using our website or services, you agree to be bound by these Terms.

1. Description of Service

Valmadi provides a financing cost simulation and comparison service for Argentine small and medium-sized enterprises (SMEs). Our service consists of building a comparative spreadsheet that presents the cost variables of different financing options — including leasing, bank loans, export pre-financing, and corporate card installments — applied to a specific equipment purchase described by the client.

Valmadi's service is strictly informational and analytical. We do not:

• Grant credit or financing of any kind
• Act as a financial intermediary between clients and financial institutions
• Recommend or endorse any specific financing option over another
• Receive commissions or referral fees from banks, leasing companies, or any financing provider
• Provide legal, accounting, or tax advice

2. Use of the Website

You may use our website for lawful purposes only. You agree not to:

• Use the website in any way that violates applicable laws or regulations
• Attempt to gain unauthorized access to any part of the website or its systems
• Transmit any harmful, offensive, or disruptive content through the website
• Use automated tools to scrape, crawl, or extract data from the website without permission
• Reproduce or distribute the content of our website without written permission

3. Accuracy of Information

The financing comparisons we provide are based on information available at the time of preparation and on the details provided by the client. While we make reasonable efforts to use accurate and current market data, financing conditions in Argentina can change rapidly. The comparison reflects conditions at the time it is prepared and may not reflect subsequent changes in rates, fees, or regulatory requirements.

The comparison is provided for informational purposes only. It does not constitute a binding offer from any financial institution and should not be relied upon as the sole basis for a financial decision. We recommend consulting with a qualified accountant or financial advisor before committing to any financing arrangement.

4. Intellectual Property

All content on this website, including text, graphics, logos, and the structure of the comparison methodology, is the property of Valmadi and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without our prior written consent.

The comparison spreadsheet delivered to you as part of our service is for your personal and business use only. You may share it with your accountant, business partners, or financial advisors, but may not commercially distribute or resell it.

5. Limitation of Liability

Valmadi's service is informational only. We are not liable for any financial decisions made based on the comparison we provide. The client is solely responsible for evaluating the comparison, consulting appropriate advisors, and making their own financing decision.

To the maximum extent permitted by applicable law, Valmadi shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from the use of our website or services, or from any financing decision made based on information we provided.

6. No Financial Services

Valmadi is not a financial institution, credit provider, or financial intermediary. Nothing on this website or in our service constitutes financial advice, investment advice, or a recommendation to enter into any financial transaction. All financing decisions are made independently by the client.

7. Privacy

Your use of our website and services is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

8. Modifications to the Service

We reserve the right to modify, suspend, or discontinue any part of our website or services at any time without notice. We are not liable to you or any third party for any modification, suspension, or discontinuation of services.

9. Governing Law

These Terms are governed by the laws of the Republic of Argentina. Any disputes arising from these Terms or your use of our services shall be subject to the jurisdiction of the courts of the city of Río Cuarto, Córdoba, Argentina.

10. Changes to These Terms

We may update these Terms from time to time. The updated Terms will be posted on this page with a revised "Last Updated" date. Your continued use of our website after any changes constitutes acceptance of the updated Terms.

11. Contact

For questions about these Terms, please contact us:

• Email: info@valmadi.com
• Phone: +54 9 358 482-4133
• Address: Victor Hugo 894, X5804FRN Río Cuarto, Córdoba, Argentina