Terms of Service

Effective date: June 4, 2026

These Terms of Service (“Terms”) govern your access to and use of the website located at divergint.co and any related pages, content, and features (collectively, the “Site”), operated by Divergint (“Divergint,” “we,” “us,” or “our”). By accessing or using the Site, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree, you should not access or use the Site.

1. About Divergint and the Site

Divergint is a fintech advisory firm focused on Latin America. The Site and its content — including articles, research, insights, case studies, and descriptions of our services — are made available for general informational purposes only. We may modify, suspend, or discontinue any part of the Site at any time without notice.

2. No Professional Advice; No Advisory Relationship

The content on the Site does not constitute legal, regulatory, tax, accounting, financial, investment, or other professional advice, and should not be relied upon as such. Case studies and outcomes described on the Site are illustrative, have been anonymized, and do not guarantee similar results. Accessing the Site, contacting us, or submitting an inquiry does not create an advisory, fiduciary, attorney–client, or other professional relationship. Any engagement with Divergint is governed solely by a separate written agreement executed between you and Divergint.

3. License and Permitted Use

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and view the Site for your personal use or internal business evaluation. You agree not to copy, reproduce, republish, distribute, sell, license, scrape, data-mine, frame, or create derivative works from any part of the Site, nor to use it for any commercial purpose, without our prior written consent.

4. Intellectual Property

The Site and all content, design, text, graphics, logos, trademarks, and other materials are owned by Divergint or its licensors and are protected by intellectual property laws. “Divergint,” the Divergint logo, and related marks are trademarks of Divergint. Nothing in these Terms transfers any ownership or grants any right to use our trademarks without prior written permission.

5. Submissions and Communications

If you submit information to us through the Site — for example, via our contact form — you represent that the information is accurate and that you are entitled to provide it. You agree not to submit confidential, privileged, or proprietary information belonging to any third party. By submitting information, you grant us the right to use it for the purpose of responding to and evaluating your inquiry, in accordance with our Privacy Policy.

6. Acceptable Use

You agree not to: (a) use the Site in violation of any applicable law or regulation; (b) attempt to gain unauthorized access to the Site, its servers, or related systems; (c) introduce malware or any harmful code; (d) interfere with or disrupt the operation of the Site; (e) misrepresent your identity or affiliation; or (f) use automated means to access or collect data from the Site without our consent.

7. Third-Party Links and Content

The Site may contain links to third-party websites, resources, or content provided for convenience only. We do not control, endorse, or assume responsibility for any third-party site or its content, products, or practices. Accessing third-party sites is at your own risk and subject to their terms.

8. Disclaimers

The Site and all content are provided “as is” and “as available,” without warranties of any kind, whether express, implied, or statutory, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the Site will be uninterrupted, secure, error-free, or free of harmful components, or that any content is current, complete, or accurate.

9. Limitation of Liability

To the maximum extent permitted by applicable law, Divergint and its affiliates, partners, and personnel shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, or business, arising out of or related to your access to or use of (or inability to use) the Site, whether based in contract, tort, or any other legal theory, even if advised of the possibility of such damages. To the extent liability cannot be excluded, it shall be limited to the greatest extent permitted by law.

10. Indemnification

You agree to indemnify and hold harmless Divergint and its affiliates, partners, and personnel from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to your use of the Site, your submissions, or your breach of these Terms.

11. Changes to These Terms

We may revise these Terms from time to time. The “Effective date” above indicates when the Terms were last updated. Your continued use of the Site after any change constitutes your acceptance of the revised Terms. We encourage you to review this page periodically.

12. Governing Law and Dispute Resolution

These Terms and any dispute arising out of or relating to them or the Site shall be governed by the laws of Colombia, without regard to its conflict-of-laws principles. You agree to the exclusive jurisdiction of the competent courts located in Colombia for the resolution of any such dispute, except where prohibited by applicable law.

13. Miscellaneous

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect. Our failure to enforce any provision is not a waiver of it. These Terms, together with our Privacy Policy, constitute the entire agreement between you and Divergint regarding the Site.

14. Contact

Questions about these Terms may be directed to legal@divergint.co.