Terms of Service

These Terms of Service govern your use of the galxento.com website and the documentation preparation services provided by Galxento, located at Av. Ita Yvate 406, Luque 110940, Paraguay. By using this website or engaging our services, you agree to these terms.

1. Nature of Services

Galxento provides documentation preparation services for microcredit applications. Specifically, we:

• Identify the documents required for specific microcredit programs
• Prepare fund use plans and simplified budgets in the format required by the relevant entity
• Organize personal and commercial documentation in the required order and format
• Review completed files for completeness and formatting before submission

Galxento is not a financial institution, lender, credit broker, or financial advisor. We do not provide credit, evaluate creditworthiness, or make any representation regarding the likelihood of credit approval. We do not provide legal or financial advice.

2. No Guarantee of Approval

Galxento's services are limited to documentation preparation and organization. We do not guarantee, represent, or warrant that any microcredit application will be approved by any lending entity. Approval decisions rest entirely with the relevant lending institution and depend on factors beyond the scope of our services, including but not limited to creditworthiness, program availability, and institutional policies.

3. Client Responsibilities

You are responsible for:

• Providing accurate and complete information about your productive activity and documentation needs
• Providing all original documents and copies required for file preparation
• Submitting the completed file to the relevant entity yourself
• Verifying with the relevant entity that the submitted file meets current requirements
• Any decisions regarding which entity or program to apply to

4. Accuracy of Information

The information provided on this website about microcredit programs, documentation requirements, and processes is for general informational purposes only. Requirements change over time. We recommend verifying current requirements directly with the relevant lending entity before relying on any information on this website.

5. Intellectual Property

All content on this website, including text, design, graphics, and code, is the property of Galxento and is protected by applicable intellectual property laws. You may not reproduce, distribute, or use this content without our prior written permission.

6. Limitation of Liability

To the extent permitted by applicable Paraguayan law, Galxento shall not be liable for any indirect, incidental, or consequential damages arising from the use of this website or our services, including but not limited to the rejection of a microcredit application. Our liability is limited to the fees paid for the specific service that gave rise to the claim.

7. Governing Law

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

8. Changes to Terms

We may update these Terms of Service from time to time. When we do, we will update the "Last Updated" date at the top of this page. Continued use of this website after any changes constitutes acceptance of the updated terms.

9. Contact

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

• Email: info@galxento.com
• Phone: +595 993 546 010
• Address: Av. Ita Yvate 406, Luque 110940, Paraguay