Terms of Service

Last Updated: 16 February 2026

Agreement to Terms

By accessing our website plusvante.com or participating in PlusVante courses, you agree to be bound by these Terms of Service and our Privacy Policy. If you disagree with any part of these terms, you may not access our services.

Description of Services

PlusVante provides educational group courses focused on family budget planning for young couples and families with small children in Paraguay. Our services include:

  • Three-session group courses on household budget management
  • Educational materials and worksheets
  • Group discussions and practical exercises
  • Written budget planning templates adapted to participant income

What We Do Not Provide

PlusVante explicitly does not provide:

  • Personalized financial planning or investment advice
  • Insurance products or insurance recommendations
  • Debt consolidation services
  • Recommendations on where to save or invest money
  • Legal or tax advice

Course Participation

Enrollment

Course enrollment is subject to availability. We reserve the right to limit group sizes to ensure quality instruction. Registration confirmation will be provided via email or phone.

Attendance

Regular attendance at all three sessions is encouraged to gain full benefit from the course. Materials and instruction are designed as a progressive learning experience.

Participant Conduct

Participants are expected to:

  • Treat instructors and other participants with respect
  • Maintain confidentiality regarding other participants' personal financial information shared during sessions
  • Participate constructively in group discussions
  • Arrive on time for scheduled sessions

Educational Nature of Services

PlusVante courses provide general education about household budget management. The information provided:

  • Is for educational purposes only
  • Should not be considered personalized financial advice
  • May not be suitable for every individual situation
  • Does not create a professional advisory relationship

Participants are responsible for their own financial decisions and should consult qualified professionals for specific financial, legal, or tax advice.

Intellectual Property

All course materials, worksheets, templates, and content provided by PlusVante remain our intellectual property. Participants may:

  • Use materials for personal household budget planning
  • Keep copies of completed worksheets and budgets

Participants may not:

  • Reproduce or distribute course materials commercially
  • Use materials to teach similar courses
  • Claim ownership of PlusVante materials

Limitation of Liability

To the fullest extent permitted by law, PlusVante and its instructors shall not be liable for:

  • Financial decisions made by participants
  • Financial outcomes resulting from application of course concepts
  • Indirect, incidental, or consequential damages
  • Loss of income or financial loss of any kind

Our liability is limited to the amount paid for course participation.

Website Use

Acceptable Use

You agree not to:

  • Use the website for any unlawful purpose
  • Attempt to gain unauthorized access to our systems
  • Interfere with the proper functioning of the website
  • Transmit viruses or malicious code
  • Collect information about other users

Content Accuracy

While we strive for accuracy, we do not warrant that website content is complete, accurate, or current. Information may change without notice.

Privacy and Data Protection

Our collection and use of personal information is governed by our Privacy Policy. By using our services, you consent to such collection and use.

Modifications to Services

We reserve the right to:

  • Modify or discontinue services at any time
  • Change course content, structure, or schedule
  • Update these Terms of Service

Significant changes will be communicated to registered participants.

Cancellation Policy

Course cancellation policies, including any applicable refunds, will be communicated at the time of registration and are considered part of these terms.

Governing Law

These Terms of Service are governed by the laws of Paraguay. Any disputes shall be resolved in the courts of Asunción, Paraguay.

Severability

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

Contact Information

Questions about these Terms of Service should be directed to:

PlusVante
Av. Aviadores del Chaco 3388
Asunción 1401, Paraguay
Email: info@plusvante.com
Phone: +595 983 801 874