Terms of Service

1. Acceptance of Terms

By accessing or using the website morvisto.com or engaging our services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services. These terms are governed by the laws of the Republic of Paraguay.

2. Description of Service

Morvisto provides an educational household expense mapping and analysis service for families in Paraguay. The service involves:

• An initial intake conversation to understand the household's financial context
• A two-week collaborative expense recording period
• Analysis and presentation of the household spending map
• A collaborative adjustment planning session
• A follow-up check-in session

Important: Morvisto is a strictly educational and analytical service. We do not provide financial advice, investment recommendations, debt management, credit services, or any form of money management. We do not handle, hold, transfer, or manage client funds at any time.

3. Website Use

You may use this website for lawful purposes only. You agree not to:

• Use the website in any way that violates applicable Paraguayan or international law
• Transmit any unsolicited or unauthorized advertising or promotional material
• Attempt to gain unauthorized access to any part of the website or its systems
• Use the website to collect information about other users without their consent
• Engage in any conduct that restricts or inhibits anyone's use of the website

4. Intellectual Property

All content on this website — including text, graphics, logos, and design — is the property of Morvisto and is protected by applicable intellectual property laws in Paraguay. You may not reproduce, distribute, or create derivative works from this content without our express written permission.

5. Service Engagement

Engagement of the Morvisto service is subject to a separate service agreement that will be provided prior to commencement. The following general conditions apply:

• Services are provided to residents of Paraguay
• Accurate information must be provided for the service to be effective
• All household members who make purchases must participate in the tracking phase
• Morvisto retains no access to client bank accounts or financial systems
• The service output is educational and informational — it does not constitute professional financial advice

6. Limitation of Liability

To the fullest extent permitted by Paraguayan law, Morvisto shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our website or services. Our total liability for any claim arising from our services shall not exceed the amount paid for the specific service giving rise to the claim.

Morvisto provides educational information only. Any financial decisions you make based on information or analysis provided through our service are your own responsibility.

7. Disclaimer of Warranties

The website and its content are provided "as is" without warranties of any kind. We do not warrant that the website will be uninterrupted, error-free, or free from viruses. The educational analysis we provide is based on the information you share with us and is intended for informational purposes only.

8. Privacy

Your use of our website and services is also governed by our Privacy Policy, which is incorporated into these Terms of Service by reference.

9. Modifications

We reserve the right to modify these Terms of Service at any time. Changes will be posted on this page with an updated date. Continued use of the website or services after changes constitutes acceptance of the modified terms.

10. Governing Law and Jurisdiction

These Terms of Service are governed by the laws of the Republic of Paraguay. Any disputes arising from these terms or your use of our services shall be subject to the exclusive jurisdiction of the competent courts of Asunción, Paraguay.

11. Contact

For questions about these Terms of Service, contact us at:

• Email: info@morvisto.com
• Phone: +595 985 640 001
• Address: Ri 3 Corrales 742 entre Pancha Garmendia y, Asunción 001507, Paraguay