Terms of Service

Last Updated: 11 February 2026

Acceptance of Terms

By accessing and using the Datos Esquema website at datosesquema.com (the "Site"), you accept and agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Site.

Description of Service

Datos Esquema provides educational documentation and analysis related to crowdlending risks, platform failures, and regulatory frameworks. The Site offers information resources based on publicly available data and research. We do not provide financial advice, investment recommendations, or personalized guidance.

Educational Purpose

All content on the Site is provided for informational and educational purposes only. The documentation, analysis, and information presented should not be construed as:

  • Financial, investment, or legal advice
  • Recommendations to invest or not invest in crowdlending
  • Endorsements or criticisms of specific platforms or services
  • Comprehensive or exhaustive coverage of all risks
  • Predictions of future outcomes or performance

No Professional Relationship

Use of the Site does not create a professional advisory relationship between you and Datos Esquema. You should consult qualified professionals for advice specific to your situation before making financial decisions.

Information Accuracy and Limitations

We make reasonable efforts to ensure information accuracy based on publicly available sources. However:

  • Information may be incomplete, outdated, or contain errors
  • Public information availability varies across platforms and jurisdictions
  • Some documented cases may lack complete information
  • Historical outcomes do not predict future results
  • Analysis represents our interpretation of available data

We do not warrant the accuracy, completeness, or reliability of any information on the Site.

Use of Site Content

You may access and use Site content for personal, non-commercial, educational purposes. You may not:

  • Reproduce, distribute, or publicly display content without permission
  • Use content for commercial purposes without authorization
  • Modify or create derivative works from Site content
  • Remove copyright or proprietary notices
  • Use automated systems to access or scrape the Site

User Conduct

You agree not to:

  • Use the Site for unlawful purposes
  • Interfere with Site operation or security
  • Attempt to gain unauthorized access to Site systems
  • Transmit harmful code, viruses, or malicious software
  • Impersonate others or provide false information
  • Harass, threaten, or harm others through the Site

Third-Party Content and Links

The Site may reference or link to third-party sources, websites, and platforms. We do not control third-party content and are not responsible for its accuracy, legality, or appropriateness. Links do not imply endorsement of third-party sites or services.

Disclaimer of Warranties

THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

We do not warrant that:

  • The Site will be uninterrupted, timely, secure, or error-free
  • Information on the Site is accurate, reliable, or complete
  • Defects will be corrected
  • The Site or servers are free of viruses or harmful components

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, DATOS ESQUEMA SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR USE, ARISING FROM OR RELATED TO YOUR USE OF THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Our total liability for any claims related to the Site shall not exceed the amount you paid to access the Site (which is zero for free access).

Indemnification

You agree to indemnify and hold harmless Datos Esquema, its affiliates, and their respective officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of the Site or violation of these Terms.

Modifications to Site and Terms

We reserve the right to modify, suspend, or discontinue the Site or any part thereof at any time without notice. We may also update these Terms at any time. Your continued use of the Site after changes constitutes acceptance of modified Terms.

Intellectual Property

All content on the Site, including text, graphics, logos, and software, is the property of Datos Esquema or its content suppliers and is protected by copyright and other intellectual property laws. Unauthorized use may violate copyright, trademark, and other laws.

Governing Law and Jurisdiction

These Terms are governed by the laws of Argentina. Any disputes arising from these Terms or use of the Site shall be subject to the exclusive jurisdiction of the courts located in Comodoro Rivadavia, Chubut, Argentina.

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Datos Esquema regarding use of the Site.

Contact Information

For questions about these Terms, contact us at:

Datos Esquema
Moreno 810, U9000DAH
Comodoro Rivadavia, Chubut
Argentina
Email: info@datosesquema.com
Phone: +54 297 406 4521