These terms govern your access to and use of the Focus Growth website and its educational content.
These Terms of Use govern access to and use of the website focus-growth-app.com, operated by Focus Growth, with address at Andrade Marin 24, 170518 Quito. By accessing or using this website, you agree to be bound by these terms. If you do not agree, please do not use this site.
These terms are governed by the laws of the Republic of Ecuador, including the Organic Law on Consumer Defense (Ley Orgánica de Defensa del Consumidor) and applicable civil and commercial legislation.
Focus Growth is an educational information platform. Its sole purpose is to provide informational and educational content about financial planning concepts relevant to Ecuadorian migrant workers and their families. All content on this site is general in nature and is intended for educational purposes only.
Nothing on this website constitutes financial advice, investment advice, legal advice, tax advice, or any other form of professional advice. The content is designed to explain concepts and frameworks. Any decisions made based on information found on this site are made solely at the user's own discretion and responsibility.
This website is intended for adults aged 18 and over. By using this site, you confirm that you are at least 18 years of age. The educational content is designed primarily for Ecuadorian migrant workers living abroad and their family members residing in Ecuador, though it is accessible to anyone who finds the information useful.
Access to this website is provided free of charge. No registration or account creation is required to read the educational content.
When using this website, you agree to the following:
We reserve the right to restrict access to the website for any user who violates these terms.
All content on this website, including text, graphics, logos, icons, and structural elements, is the property of Focus Growth or its content contributors and is protected under Ecuadorian intellectual property law (Ley de Propiedad Intelectual) and applicable international copyright conventions.
You may read, print, and share individual pages of this website for personal, non-commercial, educational purposes, provided you attribute the source. You may not reproduce, republish, or distribute substantial portions of the site's content for commercial purposes without prior written consent from Focus Growth.
All educational content published on this website is:
Focus Growth makes reasonable efforts to ensure the accuracy and currency of content but does not warrant that all information is complete, error-free, or up to date at all times. Users should verify information that is material to their decisions through independent sources.
To the extent permitted by Ecuadorian law, Focus Growth is not liable for any direct, indirect, incidental, or consequential loss or damage arising from your use of, or inability to use, this website or its content. This includes but is not limited to financial decisions made based on information found on this site.
We do not warrant that the website will be continuously available, error-free, or free from viruses or other harmful components. We will take reasonable steps to maintain availability but cannot guarantee uninterrupted access.
This website may contain links to third-party websites for reference or informational purposes. These links do not constitute endorsement of those sites or their content. Focus Growth has no control over the content, privacy practices, or availability of external websites and accepts no responsibility for them. Visiting linked sites is at your own risk.
Focus Growth may revise these Terms of Use at any time. Changes will be effective upon posting to the website. The "Last updated" date at the top of this page reflects the most recent revision. Your continued use of the website after any changes constitutes your acceptance of the revised terms.
If you have questions about these Terms of Use, please contact us at info@focus-growth-app.com or at Andrade Marin 24, 170518 Quito.