Terms of Service
Last Updated: 16 February 2026
Agreement to Terms
By accessing or using the Valozand website and services, you agree to be bound by these Terms of Service. If you disagree with any part of these terms, you may not access our services.
Description of Services
Valozand provides educational workshops focused on teaching seniors how to safely use digital banking applications and digital wallets. We are not a financial institution and do not provide banking or financial services.
Workshop Registration and Participation
Registration
To register for a workshop, you must provide accurate and complete information. You are responsible for maintaining the confidentiality of your registration details.
Cancellation and Rescheduling
You may cancel or reschedule your workshop registration by contacting us. We reserve the right to cancel or reschedule workshops due to unforeseen circumstances, in which case we will offer alternative dates or refunds as appropriate.
Participant Conduct
Workshop participants are expected to:
- Treat instructors and other participants with respect
- Arrive on time and bring required materials
- Follow instructor guidance during practical exercises
- Not disrupt the learning environment
Educational Nature of Services
Our workshops provide education and guidance. We do not:
- Provide financial advice or recommendations
- Access or control your banking accounts
- Guarantee specific outcomes or results
- Take responsibility for actions you take with your banking apps
Intellectual Property
All content on our website and in our workshops, including text, graphics, logos, and educational materials, is the property of Valozand and protected by copyright laws. You may not reproduce, distribute, or create derivative works without our permission.
Limitation of Liability
Valozand provides educational services only. We are not liable for:
- Financial losses resulting from your use of banking applications
- Technical issues with banking apps or digital wallets
- Actions taken by financial institutions
- Security breaches of your personal devices
- Decisions you make based on workshop information
Privacy and Data Protection
Your use of our services is also governed by our Privacy Policy, which explains how we collect and use your information.
User Responsibilities
You are responsible for:
- The security of your own devices and accounts
- Verifying information with your financial institutions
- Following security practices taught in workshops
- Keeping your banking credentials confidential
Website Use
You agree not to:
- Use our website for any unlawful purpose
- Attempt to gain unauthorized access to our systems
- Transmit viruses or malicious code
- Collect information about other users
- Impersonate any person or entity
Third-Party Services
Our website may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or terms of these external sites.
Disclaimer of Warranties
Our services are provided "as is" without warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, error-free, or secure.
Indemnification
You agree to indemnify and hold Valozand harmless from any claims, damages, or expenses arising from your use of our services or violation 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 Paraguay.
Changes to Terms
We reserve the right to modify these terms at any time. Changes will be effective upon posting to our website. Your continued use of our services constitutes acceptance of modified terms.
Severability
If any provision of these terms is found to be unenforceable, the remaining provisions will continue in full force and effect.
Contact Information
For questions about these Terms of Service, contact us:
- Email: info@valozand.com
- Phone: +595985820213
- Address: Adrian Jara 282, Luque 110939, Paraguay