Conditions governing your use of the Poltril MX website and its educational content.
By accessing or using this Site, you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, you should not use the Site. These Terms of Use constitute a legally binding agreement between you and the Operator, governed by the laws of the United Mexican States.
We reserve the right to modify these Terms of Use at any time. Changes become effective upon posting to the Site. Continued use of the Site after changes are posted constitutes acceptance of the modified terms. The "Last Updated" date at the top of this page reflects the most recent revision.
Poltril MX is an independent educational resource. The Site provides general informational content about Mexico's pension system, including information about AFORE accounts, voluntary savings, contribution weeks (semanas cotizadas), Modalidad 40, and related tax regimes. This content is provided solely for educational and informational purposes.
The Site does not provide financial advice, investment advice, legal advice, or tax advice. Nothing on this Site should be construed as a recommendation, endorsement, or solicitation to take any particular action regarding your pension, retirement savings, or any financial product or service.
The Site does not process AFORE affiliations, does not sell or recommend financial products, and does not act as an intermediary for any financial institution or government body. For official pension matters, users should contact IMSS (imss.gob.mx), CONSAR (consar.gob.mx), or SAT (sat.gob.mx) directly.
We make reasonable efforts to ensure that the educational content on this Site is accurate and up to date at the time of publication. However, Mexico's pension system regulations, tax regimes, and social security rules are subject to change. The Operator does not warrant that the information on this Site is complete, accurate, current, or suitable for any particular purpose.
Users are responsible for verifying any information obtained from this Site with official sources before making decisions. Official sources include IMSS, CONSAR, SAT, and the relevant AFORE institution. The Operator accepts no liability for decisions made based on information from this Site.
You may access and read the Site's content for personal, non-commercial educational purposes. You may share links to pages on this Site. You may print or save individual pages for personal reference.
You may not reproduce, republish, distribute, or commercially exploit any content from this Site without express written permission from the Operator. You may not use the Site in any way that violates applicable laws or regulations. You may not attempt to gain unauthorized access to any part of the Site or its systems. You may not use automated tools to scrape, crawl, or extract content from the Site at scale. You may not use the Site's content to create derivative works for commercial distribution.
All content on this Site, including text, graphics, logos, and design elements, is the property of Poltril MX or its content providers and is protected by applicable intellectual property laws of Mexico and international conventions. The Poltril MX name and logo are proprietary identifiers of the Operator.
Information about Mexico's pension system that is derived from public law, government publications, or official sources is not claimed as proprietary. However, the specific expression, organization, and presentation of that information on this Site is the Operator's intellectual property.
To the maximum extent permitted by applicable law, the Operator shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from or related to your use of, or inability to use, this Site or its content. This includes, without limitation, damages arising from reliance on information provided on this Site, decisions made based on Site content, or interruptions in Site availability.
The Operator provides this Site and its content on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
This Site may contain links to external websites, including official government portals such as IMSS, CONSAR, SAT, and INFONAVIT. These links are provided for informational convenience. The Operator does not control external websites and is not responsible for their content, accuracy, or availability. The inclusion of a link does not imply endorsement of the linked site.
These Terms of Use are governed by the laws of the United Mexican States. Any disputes arising from or related to these terms or the use of the Site shall be subject to the exclusive jurisdiction of the competent courts in the city of Xalapa, Veracruz, Mexico, unless mandatory consumer protection laws in your jurisdiction provide otherwise.
Questions about these Terms of Use may be directed to: info@poltrilmx.com or Querétaro 1, Xalapa, Veracruz, Mexico. Telephone: +52 228 890 2778.
