Terms and conditions – Hackea tus Finanzas

Courtesy translation. The Spanish version (Términos y condiciones de Hackea) is the binding one; if there is any difference, the Spanish text prevails. This document is a draft that has not yet been reviewed by a licensed attorney.

1. Who we are and who you contract with.

The service provider is Camilo Andrés Tirado Cabrera, an individual, identified with Colombian citizenship ID 80.881.926, address Calle 159 # 7-74, Bogotá, Colombia, phone +57 314 460 2503, email [email protected] (“Hackea”, “we”).

Hotmart processes the payment as an intermediary. Hackea is not Hotmart, and the purchase on Hotmart is also governed by its own terms. Toward you, Hackea is responsible for the course and for what is promised here.

2. Definitions.

• Customer or Account Holder: the person over 18 who buys, accepts these terms, creates the family account and the profiles, and authorizes the processing of data.
• Student: the child or teenager aged 8 to 18 who uses a profile created by the Customer. The Student is not a party to this contract: they are its beneficiary.
• Profile: the Student’s space, identified by an alias, an age range and a PIN.
• Family code: the key that lets the family’s Students sign in to their profiles.

3. What you buy. An online financial-education service of an educational and informal nature, made up of:

• a) the Explorer (8–11), Strategist (12–14) and Hacker (15–18) routes, with their reading lessons, simulators, questions and missions;
• b) the installable web app “Today”, with the mission of the day, the goal, the streak and the achievements;
• c) the adult dashboard, with progress, missions to validate, the weekly guide and the dinner-table question;
• d) content updates during the access year.

It does not include personalized financial advice, one-to-one tutoring or any financial product.

4. Plans, price and duration.

• Single plan: up to 4 Student profiles and up to 2 adults per purchase, for COP 80,000.

The price includes all taxes. Payment is a single payment and gives access for one (1) year counted from the approval of the purchase. That year runs even if you do not use the service, and the expiry date appears on your dashboard. There is no automatic renewal or recurring charge. Payment methods are those offered by Hotmart on the payment page.

5. How it is activated. After the payment is approved you receive, in the Hotmart members area (“Start here” class), a message with instructions to activate your account (with your purchase email and your Hotmart purchase code). When you enter your dashboard you accept these terms and the authorizations, in separate checkboxes, before creating profiles. Each Student signs in with the family code, their alias and their PIN.

6. Usage limits.

• Each purchase allows up to 2 adults (the account holder and one second adult) and up to 4 Student profiles.
• Each adult’s account allows up to 2 devices of their own and one session at a time.
• Each profile allows up to 2 devices, which you can release from the dashboard.
• A profile is for a single Student.
• The family code and the PINs are personal to your family.

These limits are disclosed before purchase on the sales page (frequently asked questions).

7. Your commitments as Customer.

• a) To be over 18 and the parent, guardian or legal representative of each Student you enroll, or to have written authorization from whoever is.
• b) To show each Student the notice for children and talk with them before creating their profile.
• c) To keep your password, the family code and the PINs safe, and to tell us if you think someone knows them.
• d) To accompany the use of the course according to the Student’s age.
• e) Not to resell, share outside your family, copy or distribute the content.

8. Missions and bonuses.

Some missions invite the family to agree on an optional bonus that the adult pays directly to the Student, in cash or by their own means. It is a private and voluntary agreement of the family.

Hackea does not receive, hold, transfer or manage money, and does not pay interest or returns. The app only records the figures the adult enters or confirms, as a tracking aid. The “goals”, “deposits” and “interest” in the simulators are records or simulations, not money on deposit.

9. Educational nature; not advice.

The content is educational and general. It does not constitute professional advice to make investments within the meaning of article 2.40.1.1.2 of Decree 2555 of 2010, nor personalized financial, tax or legal advice. The simulators use illustrative assumptions, and real results may be different. Mentions of products or institutions are examples, with no commercial relationship or recommendation.

Hackea is not endorsed by any public or private entity. The official data cited come from public sources, which are indicated in each case.

10. Informal education and certificates.

Hackea is informal education (Decree 1075 of 2015, art. 2.6.6.8). Each route lasts fewer than 160 hours and does not lead to any degree or certificate of occupational competence. If a completion certificate is offered in the future, it will state that it is informal education. The achievements and badges in the app are part of the educational game, not certifications.

11. Intellectual property and license.

The texts, illustrations, the Chigüi mascot, the trademarks, the simulators and the software belong to Camilo Andrés Tirado Cabrera or to those who assigned him their rights.

With your purchase you receive a personal, non-exclusive and non-transferable license for your family group and for the access period. The license does not give you the right to reproduce, transform, distribute or publicly communicate the content. Nor to extract it automatically or to use the trademarks. None of this assigns you intellectual property rights.

12. Updates and changes.

We may improve and update the educational content without worsening what you bought. We will not change the price, duration or plan you already paid for.

If a substantial change harms you, for example if a route that was already available is withdrawn, we will notify you at least 30 days in advance by email and on the dashboard. In that case you may terminate the contract and receive a refund of the value proportional to the time you have not used.

Changes to these terms are notified with the same advance notice and apply only to later purchases, unless you expressly accept them.

13. Withdrawal, guarantee and refunds. They are governed by the withdrawal and guarantee clause at the end of these terms, which forms part of them.

14. Termination.

By you: you may terminate whenever you wish, by writing to [email protected], with no requirements beyond those of the purchase. Outside the withdrawal right and the guarantee, voluntary termination does not give a right to a refund, except in the cases of sections 12 and 16.

By us: only for objective causes, with prior notice and the opportunity to explain:

• payment fraud;
• resale or use of the account by people outside the family;
• use that puts minors at risk;
• serious breach of section 7.

If there is no fraud, we refund the proportional part of the unused time.

On termination: we delete the profiles according to the Data Processing Policy. Before that you may download the progress.

15. Personal data.

The processing of your data and of the Students’ data is governed by the Data Processing Policy, which is a separate document, and by the authorizations you grant in separate checkboxes. There is no advertising, profiling or sale of the Students’ data.

16. Liability.

We are responsible for the quality, suitability and safety of the service under Law 1480 of 2011, including the legal guarantee. If the service is not provided as offered, you may choose between having us provide it under the contracted conditions or a refund of the price (art. 11, no. 3).

We are not responsible for:

• a) financial decisions the family makes on its own;
• b) damage caused by improper use of your password, the family code or the PINs when it is not due to a fault of ours;
• c) force majeure or fortuitous events;
• d) bonus agreements between the adult and the Student.

None of the above limits the rights the law gives you as a consumer.

17. Support and complaints.

Write to us at [email protected]. We confirm receipt of each request by email, with date and time, and answer it within the legal deadlines. You also have the “Report a problem” link in the app and on the dashboard, to report any situation affecting a Student.

If you are not satisfied, you may go to the Superintendence of Industry and Commerce: www.sic.gov.co.

18. Governing law.

These terms are governed by Colombian law. You may exercise your rights before the SIC or before the competent judges as provided by law. There is no arbitration clause or exclusive forum. In case of doubt, these terms are interpreted in the way most favorable to you (Law 1480, art. 34).

19. Acceptance.

You accept these terms by ticking the corresponding checkbox on your dashboard, before creating profiles. We keep the proof of your acceptance, the version accepted and its date. You may ask at any time for a copy or written record of these terms and of your acceptance, and we will send it within 3 days (art. 39).

Withdrawal and guarantee clause

Withdrawal, satisfaction guarantee and refunds

1. 7-day guarantee. If you are not satisfied, you may ask for a 100% refund of what you paid within 7 calendar days after your purchase is approved, with no explanation needed and even if you have already used the course. The request is made from the Hotmart refund option in your purchase email or by writing to [email protected] with your purchase code.

2. Right of withdrawal. In addition, the law gives you the right of withdrawal for five (5) business days from the purchase (Law 1480 of 2011, art. 47). The guarantee in section 1 always covers that period and is broader, so you do not have to prove anything to withdraw within it.

3. How we refund you. We refund the money in full, without discounts or withholdings of any kind (nor platform fees), through the same payment method or one we agree on. The maximum period is 15 calendar days from your request. When the refund is processed, the family’s access and its sessions are closed, and the profiles are deleted according to the Data Processing Policy.

4. Legal guarantee. Outside those periods the legal guarantee remains in force. If the service is not provided as offered (for example, if you cannot sign in because of a fault of ours that we did not fix, or if advertised content is missing), you may choose between having us provide it as contracted or a refund of the price, total or proportional as the case may be (Law 1480, art. 11, no. 3).

5. Payment reversal. If your payment was the subject of fraud, you did not request it or you did not receive the service, you may ask for the payment to be reversed under art. 51 of Law 1480. For this you must inform us within 5 business days from when you found out and notify the issuer of your payment method.

6. Purchases made by minors. If we discover that the purchase was made by someone under 18 without their parents’ authorization, we cancel it, refund the money in full and close the access.

Courtesy translation of the Spanish document. Version 1.0, in force since October 21, 2026. Contact: [email protected].