Terms of Use
Last Updated: 25 February 2026
These Terms of Use govern your access to and use of the Lurvante website (lurvante.com) and the educational content made available through it. By accessing this website, you agree to be bound by these terms. If you do not agree with any part of these terms, please do not use this website.
1. Nature of the Website and Content
Lurvante is an independent educational program that provides informational content about how savings and credit cooperatives function in Paraguay. All content on this website — including text, guides, session descriptions, and the Member Guide — is provided for general educational and informational purposes only.
The content on this website does not constitute financial advice, legal advice, investment advice, or any other form of professional advice. It is not a recommendation to join any specific cooperative, to deposit savings in any particular institution, or to make any financial decision of any kind.
2. No Affiliation with Cooperatives
Lurvante is not affiliated with, endorsed by, or connected to any savings and credit cooperative, cooperative federation, or cooperative industry association in Paraguay or elsewhere. References to cooperatives, cooperative law, or regulatory bodies such as INCOOP are made solely for educational purposes.
3. Intellectual Property
All content on this website, including text, graphics, logos, and design elements, is the property of Lurvante or its content creators and is protected by applicable intellectual property laws. You may:
- View and read the content for personal, non-commercial educational purposes
- Share links to pages on this website
- Print individual pages for personal use
You may not:
- Reproduce, distribute, or publish any content from this website without our written permission
- Use any content for commercial purposes
- Remove or alter any copyright or attribution notices
- Claim authorship of any content on this website
4. Accuracy of Information
We make reasonable efforts to ensure that the educational content on this website is accurate and up to date. However, cooperative law, regulations, and practices may change over time. We do not warrant that the information on this website is complete, current, or free from error. You should verify any information that is material to your decisions with appropriate professional advisors or directly with relevant authorities.
5. Limitation of Liability
To the fullest extent permitted by applicable law, Lurvante shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this website or reliance on any content contained herein. This includes, without limitation, any loss arising from decisions made based on educational content provided on this site.
6. External Links
This website may contain links to third-party websites for informational purposes. We do not endorse, control, or take responsibility for the content, privacy practices, or availability of those external sites. Accessing external links is done at your own risk.
7. Use of the Contact Form
When you use the contact form on this website, you agree to provide accurate information and to use the form only for legitimate inquiries related to the educational program. You agree not to use the contact form to send unsolicited commercial messages, spam, or content that is unlawful, offensive, or harmful.
8. Cookies
This website uses cookies as described in our Cookie Policy. By continuing to use this website after being presented with the cookie notice, you acknowledge our use of cookies in accordance with that policy.
9. Governing Law
These Terms of Use are governed by the laws of the Republic of Paraguay. Any disputes arising from or related to your use of this website shall be subject to the exclusive jurisdiction of the competent courts of Asunción, Paraguay.
10. Changes to These Terms
We reserve the right to modify these Terms of Use at any time. Changes will be effective upon posting to this page with an updated "Last Updated" date. Your continued use of the website after any changes constitutes your acceptance of the revised terms.
11. Contact
If you have questions about these Terms of Use, please contact us at:
- Email: info@lurvante.com
- Address: Avda. San Martín 1383 entre Ntra. Sra. del Carmen, Dr. Luís Enrique Migone y, Asunción, Paraguay