Terms and Conditions
Last updated: January 2026
These Terms and Conditions govern the use of the cremado.com website, operated by Cremado Educación Financiera S.A.C. By accessing and using this website, you agree to these terms in their entirety.
1. Definitions
'Cremado', 'we' or 'our' refers to Cremado Educación Financiera S.A.C. 'User' or 'you' refers to any person who accesses or uses the website. 'Content' refers to all texts, images, graphics, videos, and materials available on the site.
2. Service description
Cremado is a financial education portal that provides information and educational resources on personal finance. We do NOT provide financial services, investment advice, financial intermediation, or any service regulated by the Superintendency of Banking, Insurance and AFP (SBS) of Peru.
3. Important educational notice
All content on this website is for educational and informational purposes only. The materials do NOT constitute personalized financial, legal, tax, or investment advice. Financial decisions you make based on our content are your sole responsibility. We recommend consulting with authorized professionals before making any financial decisions.
4. Intellectual property
All website content, including texts, graphics, logos, icons, images, and software, is the property of Cremado or its licensors and is protected by Peruvian intellectual property laws and international treaties. Reproduction, distribution, or modification of the content without express authorization is prohibited.
5. Acceptable use
The user agrees to use the website legally and ethically. It is prohibited to: use the site for illegal purposes, attempt to access restricted areas, transmit viruses or malicious code, perform activities that overload the site's infrastructure, impersonate third parties.
6. User content
By submitting any information through our forms, you guarantee that you have the right to share such information and that it does not infringe on the rights of third parties. We reserve the right not to respond to inquiries that we consider inappropriate or outside the scope of our educational services.
7. Limitation of liability
Cremado will not be responsible for: financial decisions made based on site content, economic losses derived from the use of information, errors or omissions in content, service interruptions, damages caused by viruses or malicious elements.
8. External links
Our site may contain links to third-party websites for informational purposes. We are not responsible for the content, privacy policies, or practices of external sites. We recommend reviewing the terms of each site you visit.
9. Modifications
We reserve the right to modify these Terms and Conditions at any time. Modifications will take effect from their publication on the website. Continued use of the site after any modification constitutes your acceptance of the new terms.
10. Termination
We may suspend or terminate your access to the website at any time, without prior notice, if we consider that you have breached these terms or for any other reason at our discretion.
11. Governing law and jurisdiction
These Terms and Conditions are governed by the laws of the Republic of Peru. Any dispute related to these terms will be submitted to the exclusive jurisdiction of the courts of Lima, Peru.
12. Contact
For any questions about these Terms and Conditions, you can contact us at legal@cremado.com or at our address: Av. Javier Prado Este 4600, Santiago de Surco, Lima, Peru.