Terms & Conditions
Last updated: January 15, 2026
These Terms and Conditions govern access to and use of the website lucrmado.com, operated by Lucrmado S.A.C., with RUC 20612847359, located at Av. José Pardo 472, Office 1205, Miraflores, Lima 15074, Peru. By accessing and using this website, you fully accept these terms.
1. Nature of Service
Lucrmado is an educational platform dedicated to the dissemination of content about personal finance and financial literacy. All content published on this site is exclusively informational and educational in nature. Lucrmado does NOT provide financial services, investment advice, stock market advisory, or financial intermediation of any kind. Published educational materials do not constitute investment advice, personalized financial recommendations, or offers of financial products.
2. Website Usage
The user agrees to use the website in accordance with current Peruvian legislation, these Terms and Conditions, good faith, and public order. The use of the site for illegal activities or activities that harm the rights of Lucrmado or third parties is prohibited. The user is responsible for the accuracy of the data provided through the contact form.
3. Intellectual Property
All website content, including texts, graphics, logos, images, design, data compilation, and software, is the property of Lucrmado S.A.C. or their respective authors and is protected by Peruvian intellectual property laws (Legislative Decree No. 822) and applicable international treaties. Partial reproduction of content is permitted exclusively for non-commercial educational purposes, provided the original source is cited.
4. Financial Liability Disclaimer
The information provided on lucrmado.com is of a general and educational nature. The accuracy, completeness, or timeliness of information about financial markets, exchange rates, or investment instruments mentioned in the content is not guaranteed. Potential returns mentioned in any educational material are adjusted for risk and do not guarantee future results. Any financial decision the user makes based on the content of this site is at their sole responsibility.
5. Contact Form
The contact form available on the website is intended solely to facilitate communication between users and Lucrmado for general inquiries. Data provided will be processed in accordance with our Privacy Policy. Lucrmado is not obligated to respond to all inquiries received and reserves the right not to address requests unrelated to its educational activities.
6. External Links
The website may contain links to third-party websites. Lucrmado is not responsible for the content, privacy policies, or practices of these external sites. Access to such links is at the user's sole responsibility.
7. Modifications
Lucrmado reserves the right to modify these Terms and Conditions at any time without prior notice. Changes will take effect upon publication on the website. Continued use of the site after any modification implies acceptance of the new terms.
8. Applicable Law and Jurisdiction
These Terms and Conditions are governed by the laws of the Republic of Peru. For any dispute arising from the use of this website, the parties submit to the jurisdiction of the courts of the Judicial District of Lima, waiving any other jurisdiction that may correspond to them.
9. Final Provisions
If any provision of these Terms and Conditions is declared null or unenforceable, the remaining provisions shall maintain their full force and effect. Lucrmado's failure to exercise any right established in these terms shall not constitute a waiver thereof.
10. Contact
For any inquiry about these Terms and Conditions, you may contact us at contacto@lucrmado.com or at our address: Av. José Pardo 472, Office 1205, Miraflores, Lima 15074, Peru.