Terms & Conditions
These Terms & Conditions govern access to and use of urban-focus-lab.com, owned by Urban-focus-lab S.R.L. By using the site you declare that you have read, understood and fully accepted them.
1. Purpose
Urban-focus-lab provides free educational content on personal finance, family budgeting and responsible consumption habits. This content is informational and educational and does not constitute individual financial, tax or legal advice.
2. Service provider
Urban-focus-lab S.R.L., NIT 372104026, registered with FUNDEMPRESA under number 00432187, holder of educational services licence ASFI/INF/0245/2024, with offices at Av. Arce 2799, Edificio Multicentro, Floor 6, La Paz, Plurinational State of Bolivia.
3. Conditions of use
Users undertake to use the site lawfully, in compliance with applicable Bolivian regulations, refraining from fraudulent or harmful uses. Total or partial reproduction of the content is prohibited without prior written authorisation.
4. Intellectual property
Texts, images, illustrations, trademarks and other elements of the site are owned by Urban-focus-lab S.R.L. or used with permission from their respective owners. Improper use may give rise to the applicable legal actions.
5. Newsletter and communications
Subscription to the newsletter is voluntary and free of charge. Users can cancel it at any time using the link included in every issue or by writing to contacto@urban-focus-lab.com.
6. Limitation of liability
Urban-focus-lab makes reasonable efforts to keep the information accurate and up to date, but does not guarantee the absence of errors or the permanent availability of the site. The user is solely responsible for the financial decisions made based on the content consulted.
7. Changes
Urban-focus-lab may amend these Terms & Conditions when required by applicable regulations or by service updates. Changes will be published on this page along with the date of the latest revision.
8. Governing law and jurisdiction
These Terms are governed by the laws of the Plurinational State of Bolivia. Any dispute will be submitted to the competent courts of the city of La Paz, without prejudice to the consumer rights granted by applicable regulations.