Terms of Use

1. Terms Acceptance

Welcome to Claridadviva. By accessing and using this website, you agree to be bound by these Terms of Use, all applicable laws and regulations in Guatemala, and agree that you are responsible for compliance with any applicable local laws. If you disagree with any of these terms, you are prohibited from using or accessing this site.

2. Service Description

Claridadviva is an informative service that provides guidance on government affordable housing programs in Guatemala. Our services include:

• Updated information on housing subsidy and preferential credit programs.
• Guidance on requirements, processes and necessary documentation.
• Personalized counseling to identify suitable programs according to economic profile.
• Educational resources on dignified housing access in Guatemala.

Important clarification: Claridadviva is an information and guidance service. We are not a government institution, we do not grant subsidies or credits directly, and we do not guarantee approval of applications to official entities. Our function is to facilitate access to information and guide in the process.

3. Acceptable Use

By using this website, you agree to:

• Provide truthful, accurate, current and complete information when requested.
• Use the site only for legitimate purposes related to seeking housing information.
• Not use the site in a manner that could damage, disable, overburden or impair our servers or interfere with use by other users.
• Not attempt to gain unauthorized access to any part of the site, systems or networks.
• Not use robots, scrapers or other automated means to access the site without our express permission.
• Not copy, reproduce, distribute or create derivative works from content without written authorization.

4. Intellectual Property

All content included on this website, including but not limited to texts, graphics, logos, icons, images, audio clips, digital downloads, data compilations and software, is property of Claridadviva or its content suppliers and is protected by Guatemala's intellectual property laws and international treaties.

The name "Claridadviva", logo and all graphics, logos, page headers, button icons, scripts and service names related are trademarks or trade dress of Claridadviva. These marks may not be used without our prior written permission.

5. Information Accuracy

We strive to keep information on this website updated and accurate. However:

• Government programs, requirements, amounts and conditions may change without prior notice by competent authorities.
• Information provided is general and informative. Does not constitute specific legal, financial or professional advice.
• We recommend always verifying information directly with official government institutions (FOGUAVI, CHN, etc.).
• We are not responsible for decisions made based solely on information from this site without additional consultation.

We update our content regularly, but do not guarantee all information is always completely up-to-date in real time.

6. Liability Limitation

To the maximum extent permitted by applicable Guatemalan law:

• Claridadviva will not be liable for indirect, incidental, special, consequential or punitive damages.
• We do not guarantee the website is free from errors, viruses or other harmful components.
• We are not responsible for approval or rejection of applications to government institutions.
• We do not guarantee specific results from use of our guidance services.
• Use of website is at your own risk.

Our total liability to you for any claim related to these terms or use of site will not exceed amount you have paid (if any) to access our services.

7. Third Party Links

This website may contain links to third party websites, including government institutions, banks and other relevant organizations. These links are provided solely for your convenience:

• We do not control content of third party sites and are not responsible for their content or privacy practices.
• Inclusion of links does not imply endorsement of such sites.
• You should review terms and privacy policies of any third party sites you visit.

8. Privacy and Data Protection

Your privacy is important to us. Use of personal data collected through this site is governed by our Privacy Policy, which forms integral part of these Terms of Use. By accepting these terms, you also accept our Privacy Policy.

9. Service and Terms Modifications

We reserve the right to:

• Modify, suspend or discontinue any aspect of website at any time without prior notice.
• Update these Terms of Use periodically. Last update date is indicated at top.
• Material changes will be notified through prominent notice on website.
• Continued use of site after modifications constitutes acceptance of new terms.

10. Access Termination

We may terminate or suspend your access to website immediately, without prior notice or liability, for any reason, including but not limited to breach of these Terms of Use. All provisions of these terms that by their nature should survive termination, will survive.

11. Indemnification

You agree to indemnify, defend and hold harmless Claridadviva, its directors, employees, agents and affiliates from any claim, loss, liability, damage, cost or expense (including reasonable attorney fees) arising from:

• Your use of website.
• Your violation of these Terms of Use.
• Your violation of any third party rights.
• Any content you provide.

12. Applicable Law and Jurisdiction

These Terms of Use will be governed and interpreted in accordance with laws of Guatemala, without giving effect to any principles of conflicts of law. Any dispute arising in connection with these terms will be submitted to exclusive jurisdiction of competent courts in Guatemala, Guatemala.

13. Severability

If any provision of these Terms of Use is deemed invalid or unenforceable by competent court, such provision will be interpreted consistently with applicable law to reflect original intentions of parties, and remaining provisions will remain in full force and effect.

14. Waiver

Failure to exercise or enforce any right or provision of these Terms of Use will not constitute waiver of such right or provision. Waiver of any term will be effective only if in writing and signed by Claridadviva.

15. Complete Agreement

These Terms of Use, together with our Privacy Policy and Cookie Policy, constitute complete agreement between you and Claridadviva regarding use of website and replace all prior or contemporaneous agreements, whether written or oral.

16. Contact

If you have questions about these Terms of Use, you can contact us at:

By using this website, you acknowledge that you have read, understood and agreed to be bound by these Terms of Use.