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Terms & Conditions

PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY, AS YOUR USE OF THE SITE INDICATES YOUR AGREEMENT TO THESE TERMS.

The platform www.topfinanzas.com (the "Platform" or "Site") is owned and operated by Top Networks Inc. ("Top Networks," "we," "our," or "us"), a company incorporated under the laws of the Republic of Panama. Our Site provides financial information and product recommendations, offering informational resources and analyses of various financial services and products, such as credit cards, loans, and investment opportunities.

These Terms and Conditions of Use (the "Terms") are available to users at all times and apply alongside our Privacy Policy. By using or accessing the Site, you confirm that you have read, understood, and agree to these Terms. If you do not agree to all Terms, please do not use the Site.

1. About www.topfinanzas.com

Topfinanzas.com is a website created to inform users about financial products and services offered by partner companies. It aims to assist users in selecting products that meet their specific financial needs and preferences.

Whenever we use "Top Networks," "we," or "our," we refer to Top Networks Inc.; similarly, when we use "you" or "user," we refer to the individuals consenting to these Terms and accessing the Site.

The Platform facilitates connections to financial products offered by third-party institutions. Your use of these services or products may require additional registration and will be subject to terms and privacy practices established by those institutions. Top Networks Inc. does not participate in the legal relationship between the user and these partner companies.

2. User Responsibilities for Access

The user is responsible for obtaining the necessary equipment (computer, smartphone, tablet) and software (browser) required to access the Site, as well as maintaining a secure browsing environment. This includes updating antivirus, firewall, and other cybersecurity tools to mitigate potential risks.

3. Site Access and Usage

In general, no prior registration is required to access Site content. However, certain services may require user registration. By registering, you confirm that:

  • You are at least 18 years old.
  • The information provided is accurate, complete, and up-to-date.
  • You will maintain the accuracy of your information and promptly update it as needed.

4. Intellectual Property Rights

All content on the Site, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software, is the property of Top Networks Inc. or its content suppliers and is protected by international copyright laws.

The trademarks, service marks, and logos used and displayed on the Site are registered and unregistered trademarks of Top Networks Inc. or third parties. Nothing on the Site should be construed as granting any license or right to use any trademarks without the written permission of Top Networks Inc. or the third party that owns the trademarks.

5. Prohibited Activities

When using our Site, you agree not to:

  • Use the Site in any way that violates any applicable federal, state, local, or international law or regulation
  • Impersonate or attempt to impersonate Top Networks, a Top Networks employee, another user, or any other person or entity
  • Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Site
  • Use any robot, spider, or other automatic device, process, or means to access the Site for any purpose
  • Introduce any viruses, Trojan horses, worms, logic bombs, or other harmful material
  • Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Site

6. Third-Party Links and Content

The Site may contain links to third-party websites, services, or content that are not owned or controlled by Top Networks Inc. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

We do not warrant the offerings of any of these entities/individuals or their websites. You acknowledge and agree that Top Networks Inc. shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods, or services available on or through any such third-party website or service.

7. Disclaimer of Warranties

THE SITE AND ITS CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TOP NETWORKS INC. DISCLAIMS ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that the Site will be uninterrupted or error-free, that defects will be corrected, or that the Site or the server that makes it available are free of viruses or other harmful components.

8. Limitation of Liability

IN NO EVENT WILL TOP NETWORKS INC., ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE.

9. Indemnification

You agree to defend, indemnify, and hold harmless Top Networks Inc., its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Site.

10. Changes to Terms

We may revise and update these Terms from time to time at our sole discretion. All changes are effective immediately when we post them. Your continued use of the Site following the posting of revised Terms means that you accept and agree to the changes.

11. Governing Law and Jurisdiction

These Terms and your use of the Site shall be governed by and construed in accordance with the laws of Panama, without regard to its conflict of law principles. Any legal suit, action, or proceeding arising out of or related to these Terms or the Site shall be instituted exclusively in the courts of Panama.

12. Contact Information

If you have any questions about these Terms, please contact us at:

  • Email: info@topfinanzas.com
  • Address: AV. AQUILINO DE LA GUARDIA, OCEAN BUSINESS PLAZA BUILDING, FLOOR 12, PANAMA CITY, PANAMA