Terms and Conditions

Last updated: September 2026

1. WEBSITE IDENTIFICATION

This document establishes the terms and conditions governing access to and use of the website https://credex.noticiascristiana.net/, hereinafter the “Website”.

The identifying information of the owner is:

Accessing and using the Website gives the visitor the status of user and implies acceptance of these Terms and Conditions to the extent applicable.

The owner may update, modify, expand, or remove content, features, services, designs, links, or any other element of the Website when considered necessary, while seeking to keep the current version of these Terms and Conditions published.

2. PURPOSE OF THE WEBSITE

The purpose of the Website is to provide general content, information, and resources related to financial and credit matters and other topics published on the portal.

The information published is general and informational and does not, by itself, constitute a contractual offer, personalized financial recommendation, financial advice, credit approval, guarantee of access to a financial product, or commitment to provide financing.

When products, financial institutions, companies, brands, programs, or third-party services are referenced, that information should be understood as informational content. Each third party is responsible for its own products, services, terms, requirements, rates, fees, contracting processes, and policies.

Users should consult the corresponding institution directly to confirm current terms before purchasing or contracting any product or service.

3. ACCEPTANCE OF THE TERMS

Access to the Website means that the user declares that they have read and understood these Terms and Conditions and agrees to use the Website in accordance with current Peruvian law.

If a user does not agree with any of these terms, they should refrain from using the Website features subject to those terms.

These Terms and Conditions shall be interpreted in accordance with the laws applicable in the Republic of Peru.

4. ACCESS AND USE CONDITIONS

General access to the Website may be free of charge, unless certain features or services expressly state different conditions.

The user agrees to use the Website lawfully, responsibly, and in good faith.

It is prohibited to use the Website to:

a. Carry out activities contrary to Peruvian law or the rights of third parties.

b. Attempt to access systems, servers, databases, accounts, or restricted areas without authorization.

c. Introduce viruses, malware, malicious code, trojans, or other elements intended to interfere with the Website or third-party systems.

d. Use automated tools, robots, spiders, scrapers, or similar procedures to collect, copy, or extract Website content in a manner that harms its operation or infringes rights.

e. Attempt to alter, manipulate, or compromise the Website’s security mechanisms.

f. Use Website content, trademarks, logos, designs, or materials for unlawful or unauthorized purposes.

g. Carry out activities that may harm the availability, security, integrity, or normal operation of the Website.

5. INTELLECTUAL PROPERTY

Content published on the Website may include text, articles, photographs, images, graphics, designs, logos, audiovisual elements, code, structure, compilations, and other materials protected by applicable intellectual property laws.

In Peru, copyright is governed primarily by Legislative Decree No. 822, Copyright Law, together with its amendments and other applicable provisions.

Unless expressly stated otherwise or permitted by applicable law or contract, Website content may not be reproduced, distributed, transformed, publicly communicated, commercialized, or reused in a manner that infringes the rights of its respective owners.

Access to the Website does not transfer intellectual property rights over its content.

Users may view Website content for personal and informational purposes provided that copyright and other applicable rights are respected.

When content belongs to a third party, the corresponding rights remain with their respective owner.

6. THIRD-PARTY CONTENT AND INFORMATION

The Website may contain references, links, advertisements, or external links to pages, platforms, companies, or services belonging to third parties.

Access to those sites is at the user’s own responsibility.

TUCREDEX E.I.R.L. does not necessarily control the content, availability, terms, privacy policies, security, or operation of external websites.

Users should therefore review the terms and privacy policies of each third-party site before providing personal information or purchasing products or services.

The inclusion of an external link does not necessarily imply a contractual relationship, partnership, sponsorship, approval, or recommendation of the third party.

7. INFORMATION ABOUT FINANCIAL PRODUCTS AND SERVICES

Content related to credit, loans, interest rates, requirements, benefits, financial institutions, or other products should be understood as general information.

Financial product terms may change and may depend on the institution offering them, the applicant’s profile, and other factors established by each provider.

Accordingly, information published on the Website does not constitute a guarantee of approval and does not ensure that any person will qualify for a particular financial product.

Before contracting a product, the user should verify directly with the relevant institution:

  • Eligibility and contracting requirements.
  • Interest rates.
  • Annual Effective Cost Rate (TCEA), when applicable.
  • Fees and expenses.
  • Terms.
  • Payment conditions.
  • Applicable penalties or charges.
  • General and specific product conditions.

When applicable, consumer relationships are subject to the Consumer Protection and Defense Code, Law No. 29571, as amended, and other complementary provisions.

8. PERSONAL DATA PROTECTION

Any processing of personal data carried out through the Website will be performed in accordance with applicable Peruvian personal-data-protection law.

The primary law is Law No. 29733, Personal Data Protection Law, whose purpose is to guarantee the fundamental right to personal-data protection.

Supreme Decree No. 016-2024-JUS, which approved the new Regulations of Law No. 29733 and repealed the previous Regulations approved by Supreme Decree No. 003-2013-JUS, also applies.

Personal data will be processed only for the purposes communicated to the user and on the corresponding legal basis.

When consent is required for processing, it will be requested in accordance with applicable law.

Users may exercise the rights available to them regarding their personal data under current law and according to the procedures described in the Website’s Privacy Policy.

For questions regarding privacy and personal-data protection, users may contact:

[email protected]

9. INFORMATION SECURITY

The Website owner adopts reasonable technical, organizational, and security measures intended to protect information and personal data against unauthorized access, loss, alteration, destruction, or improper processing, taking into account the nature of the information and obligations established by applicable law.

However, no system connected to the Internet can guarantee absolute security.

Users should also take reasonable measures to protect their own devices, accounts, and access credentials.

10. COOKIES AND SIMILAR TECHNOLOGIES

The Website may use cookies and similar technologies to facilitate navigation, remember certain preferences, analyze portal performance, obtain statistics, or display content and advertising, among other purposes.

The use of cookies and, where applicable, processing of information associated with them will be carried out in accordance with applicable law and the Website’s Privacy Policy and/or Cookie Policy.

Users may configure certain cookie-related options in their browser, bearing in mind that disabling some cookies may affect certain Website features.

11. EXTERNAL LINKS

The Website may include links to third-party pages.

The owner does not guarantee that those sites will remain available, that their content is accurate, or that they follow the same privacy and security policies.

Users should review the applicable terms of use and privacy policies before using those sites.

12. LIMITATION OF LIABILITY

The owner will seek to ensure that information published on the Website is clear and useful. However, it does not guarantee that all content will always be complete, accurate, current, or error-free.

Information may change due to legal, commercial, or technological developments or updates made by the relevant entities or sources.

In particular, where third-party products or services are concerned, the applicable terms are those officially communicated by the respective provider.

The owner will not be responsible for decisions users make solely on the basis of general information published on the Website.

13. WEBSITE AVAILABILITY

The owner will seek to keep the Website available but does not guarantee permanent or uninterrupted operation.

Interruptions may occur due to maintenance, updates, technical problems, hosting-provider failures, connectivity issues, third-party services, force majeure, or other circumstances beyond the owner’s reasonable control.

14. CHANGES TO THE TERMS

The owner may modify these Terms and Conditions when necessary to adapt them to legal, regulatory, technological, commercial, or operational changes affecting the Website.

The version in force will be the version published on this page.

Users are encouraged to review this document periodically to learn about any changes that may be made.

15. APPLICABLE LAW

These Terms and Conditions are governed by the current laws of the Republic of Peru.

Regarding personal-data protection, applicable provisions include, among others:

  • Law No. 29733, Personal Data Protection Law.
  • Supreme Decree No. 016-2024-JUS, Regulations of Law No. 29733.

Regarding intellectual property, applicable provisions include, among others:

  • Legislative Decree No. 822, Copyright Law.

When a consumer relationship exists, the corresponding provisions of the following apply:

  • Consumer Protection and Defense Code, Law No. 29571, as amended.

Other Peruvian laws will also apply as appropriate according to the nature of each legal relationship.

16. CONTACT

For questions regarding these Terms and Conditions, privacy, personal-data protection, or Website operation, users may contact:

TUCREDEX E.I.R.L.

Email: [email protected]

Address: AV. 13 de Enero N.° 2615 – Lima, Peru

Website: https://credex.noticiascristiana.net/

Last updated: September 2026.