1. Acceptance of Terms
By accessing and using the website novumdigitalcoi.com (the "Website"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use this Website.
These Terms of Use apply to all visitors, users, and others who access or use the Website. They should be read together with our Privacy Policy and Cookie Policy, which are incorporated by reference.
Novum Digital reserves the right to modify these Terms at any time. Continued use of the Website after any modification constitutes acceptance of the updated Terms.
2. About This Website
This Website is operated by Novum Digital, a digital educational consultancy based in Cartagena de Indias, Colombia. The Website provides information about our educational programs, virtual workshops, and thematic webinars focused on savings strategies and economic organization for Colombian women.
The Website is intended for informational purposes only. It does not constitute an offer to provide regulated financial services, investment management, or any service requiring authorization from Colombian financial regulatory authorities, including the Superintendencia Financiera de Colombia.
All content published on this Website is educational in nature. Nothing on this Website should be interpreted as personalized financial advice, a recommendation to purchase or sell any financial product, or guidance on investment decisions.
3. Educational Nature of Content
Novum Digital operates exclusively as an educational consultancy. All content on this Website, including descriptions of our programs, workshops, and webinars, is designed to provide general financial education and organizational knowledge.
The content we provide is informational and educational. It does not constitute:
- Financial advice or investment recommendations of any kind
- Advice on the purchase, sale, or holding of any regulated financial product
- Tax advice or legal advice
- Personalized economic planning services
- Any service requiring a license or authorization from the Superintendencia Financiera de Colombia or any other regulatory body
Users are responsible for their own financial decisions. Novum Digital encourages users to consult qualified and licensed professionals for personalized financial, legal, or tax advice.
4. Permitted Use
You may access and use this Website for lawful, personal, and non-commercial purposes in accordance with these Terms. Specifically, you may:
- Browse and read content published on the Website
- Submit inquiries through the contact form for information about our educational programs
- Download materials explicitly made available for download
- Share links to publicly accessible pages of the Website
Use of the Website must comply with all applicable Colombian laws and regulations, including those relating to electronic commerce (Ley 527 de 1999) and consumer protection (Ley 1480 de 2011).
5. Prohibited Conduct
When using this Website, you must not:
- Use the Website for any unlawful purpose or in violation of applicable Colombian law
- Attempt to gain unauthorized access to any part of the Website or its underlying systems
- Introduce viruses, malicious code, or any technology that may harm the Website or its users
- Reproduce, copy, distribute, or commercially exploit any content from the Website without express written permission from Novum Digital
- Use automated tools, bots, or scrapers to extract content from the Website without authorization
- Impersonate Novum Digital or misrepresent your affiliation with us
- Transmit unsolicited commercial communications through any contact mechanism provided on the Website
- Engage in any conduct that could damage the reputation or functioning of the Website
Novum Digital reserves the right to restrict access to the Website for users who violate these Terms.
6. Intellectual Property
All content on this Website, including but not limited to text, graphics, logos, images, educational materials, program descriptions, and the overall design and layout, is the property of Novum Digital or its licensors and is protected under applicable intellectual property law, including the Colombian copyright framework established by Ley 23 de 1982 and Decisión Andina 351 de 1993.
You may not reproduce, modify, distribute, transmit, display, perform, publish, or create derivative works from any content on this Website without the prior written consent of Novum Digital, except where expressly permitted by these Terms or applicable law.
The Novum Digital name, logo, and associated marks are the property of Novum Digital. Nothing on this Website grants any license to use these marks.
7. Third-Party Links and Content
This Website may contain links to third-party websites or resources for informational purposes. These links do not constitute an endorsement of the content, products, or services offered by those third parties. Novum Digital has no control over the content of external websites and accepts no responsibility for them or for any loss or damage that may arise from your use of them.
When you leave our Website through a third-party link, you do so at your own risk and subject to the terms and conditions of that third-party website.
8. Disclaimer
The content on this Website is provided for general informational and educational purposes only. While Novum Digital makes reasonable efforts to ensure the accuracy and currency of the information presented, we make no representations or warranties of any kind, express or implied, regarding the completeness, accuracy, reliability, suitability, or availability of the content.
Financial situations vary significantly between individuals. General educational content about savings strategies and economic organization may not apply equally to all situations. Users should exercise their own judgment and, where appropriate, seek qualified professional advice before making financial decisions.
The Website is provided on an "as is" and "as available" basis. Novum Digital does not warrant that the Website will be uninterrupted, error-free, or free from viruses or other harmful components.
9. Limitation of Liability
To the fullest extent permitted by applicable Colombian law, Novum Digital shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or inability to use, this Website or its content.
This includes, without limitation, damages for loss of income, loss of data, business interruption, or any financial loss arising from reliance on educational content published on this Website.
Nothing in these Terms limits liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded under Colombian law.
10. Governing Law and Jurisdiction
These Terms of Use are governed by and construed in accordance with the laws of the Republic of Colombia. Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the competent courts of Cartagena de Indias, Bolívar, Colombia, unless otherwise required by mandatory consumer protection provisions under Colombian law.
For consumer disputes, the provisions of Ley 1480 de 2011 (Estatuto del Consumidor) and the jurisdiction of the Superintendencia de Industria y Comercio may also apply where relevant.
11. Modifications to the Website and Terms
Novum Digital reserves the right to modify, suspend, or discontinue any part of the Website at any time without notice. We may also revise these Terms of Use at any time by updating this page. The date of the most recent revision is shown at the top of this document.
We encourage you to review these Terms periodically. Your continued use of the Website following the posting of changes constitutes your acceptance of those changes.
12. Contact
If you have questions about these Terms of Use, please contact us:
Novum Digital
Local 4 Bloque 2, Cl. 31 #22D-253, Alameda La Victoria, Cartagena de Indias, Bolívar, Colombia
Email: info@novumdigitalcoi.com