All content published on criteriofinanciero.com.co — articles, the Daily Briefing, the CRITERIO framework, the visual design, the interactive tools (Criterio Score, valuation calculator, credit simulator) and the premium reports — is the property of Carlos Fernando Viveros García and is protected by Colombian copyright law and applicable international treaties.
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The free calculators and tools on this site (valuation, credit, Criterio Score) are reference models for informational and educational purposes. Results are estimates based on the assumptions you enter yourself — they do not constitute personalized financial, accounting, legal or investment advice.
Any financial decision you make based on these results is your own responsibility. We recommend checking results with a professional before making significant decisions.
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For questions about these terms, write to us at hola@criteriofinanciero.com.co.