Welcome to Examen Élite («Examen Élite», «we», «our», or «the Website»). This Privacy Policy and Terms of Use («Agreement») sets forth the legally binding terms and conditions governing your access to and use of the Website located at www.examenelite.com, including any content, functionality, and services offered on or through this Website.

By accessing, browsing, or using the Website, you acknowledge that you have read, understood, and agree to be bound by all the terms and conditions of this Agreement. If you do not agree to these terms and conditions, you must immediately cease using the Website.

1. PURPOSE AND USE OF THE WEBSITE
1.1 Educational Purpose

Examen Élite is an educational platform dedicated to providing information, resources, and educational materials related to financial products in the United States. This includes, but is not limited to, life insurance, health insurance, social insurance, and other relevant financial products. Our goal is to facilitate learning and understanding of these topics for individuals interested in developing a career in the financial sector.

1.2 No Guarantee of Results

While we strive to offer accurate, up-to-date, and useful content, Examen Élite does not guarantee or warrant that the use of our materials will result in passing state or federal exams, obtaining professional licenses, or accessing employment opportunities in the financial sector. Individual results may vary and depend on multiple factors beyond our control.

1.3 Personal and Non-Commercial Use

Access to and use of the Website and its contents is provided exclusively for your personal, private, and non-commercial use. You are not permitted to use the Website or its content for commercial purposes without first obtaining our written consent. This includes, but is not limited to, reselling access to the Website or its materials, redistributing content, or any other use that generates revenue without our authorization.

1.4 User Responsibility

You are responsible for ensuring that your use of the Website complies with all applicable laws and regulations. Additionally, it is your responsibility to obtain and maintain all devices, services, and software necessary to access and use the Website, including an internet connection and compatible web browsers.

2. THIRD-PARTY INDEPENDENCE
2.1 No Affiliation with External Entities

Examen Élite operates as an independent entity and is not affiliated with, associated with, or endorsed by any financial institution, government agency, regulatory body, or corporate entity. Any reference to external organizations on the Website is provided solely for informational purposes and does not imply any form of mutual association or endorsement.

2.2 No Sponsorship or Endorsements

We do not engage in sponsorships, endorsements, promotions, or representations of third parties. We do not endorse or recommend products or services from other companies, and we do not receive any compensation for mentioning them in our content. Any decision you make based on information provided on the Website is at your own risk.

2.3 Disclaimer of Responsibility for Third-Party Content

The Website may contain links or references to third-party websites, products, or services. We do not control nor are we responsible for the availability, accuracy, or legality of third-party content. It is recommended that you review the terms and privacy policies of any external website or service before interacting with them.

3. INTELLECTUAL PROPERTY
3.1 Copyright and Trademarks

All content on the Website, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software, is the property of Examen Élite or its content providers and is protected by United States copyright laws and international treaties. All trademarks, logos, and service marks are the property of Examen Élite or authorized third parties.

3.2 Limited License for Use

You are granted a limited, non-exclusive, non-transferable, and revocable license to access and use the Website and its content for personal and non-commercial use. This license does not include any resale or commercial use of the Website or its contents; any collection and use of product listings, descriptions, or prices; any derivative use of the Website or its contents; or any use of data mining, robots, or similar data gathering and extraction tools.

3.3 Usage Restrictions

Without our prior written consent, you are not permitted to:

• Reproduce, duplicate, copy, sell, resell, visit, or otherwise exploit the Website or any portion of it for commercial purposes.
• Frame or use framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of Examen Élite without express permission.
• Use meta tags or any other «hidden text» that utilizes Examen Élite’s name or trademarks.

3.4 Reporting Infringement

If you believe that any content on the Website infringes on your intellectual property rights, please notify us immediately through [contact email], providing full details of the alleged infringement so we can investigate and take appropriate action.

4. DISCLAIMER OF LIABILITY
4.1 «As Is» and «As Available» Provision

The Website and all content, materials, information, products, and services included or made available to you through it are provided «as is» and «as available» without any warranties of any kind, whether express or implied. We do not guarantee that the Website will be uninterrupted, error-free, secure, or that defects will be corrected.

4.2 Disclaimer of Warranties

To the fullest extent permitted by applicable law, Examen Élite disclaims all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, accuracy, title, and non-infringement.

4.3 No Professional Advice

The content provided on the Website is general and educational in nature. It does not constitute financial, legal, tax, or professional advice. You should not act or refrain from acting based on any information contained on the Website without seeking appropriate professional advice.

4.4 Limitation of Liability

In no event shall Examen Élite, its directors, employees, agents, or affiliates be liable for any direct, indirect, incidental, special, consequential, or exemplary damages, including but not limited to loss of income, profits, goodwill, use, data, or other intangible losses resulting from:

• The use or inability to use the Website.
• Any unauthorized access or alteration of your transmissions or data.
• Statements or conduct of third parties on the Website.
• Any other matter related to the Website.

5. REFUND POLICY
5.1 Right to a Refund

We understand that our users may not always be fully satisfied with our digital products. Therefore, we offer a fifteen (15)-day refund policy from the date of purchase.

5.2 Conditions for Refund

To be eligible for a refund, the following conditions must be met:

• Reasonable Use: Access or use of the course must be reasonable. If you have accessed or completed more than 20% of the course content, we reserve the right to deny the refund request.
• Timely Request: The refund request must be made within fifteen (15) days from the date of purchase.
• Valid Reason: A specific reason for dissatisfaction must be provided to help us improve our services.

5.3 Refund Request Process

To request a refund:

• Send an email to [contact email] with the subject line «Refund Request.»
• Include your full name, purchase date, product information, and reason for the request.

5.4 Review Process

Upon receiving your request, we will:

• Verify your eligibility based on the conditions mentioned above.
• Review your level of access and usage of the course.
• Notify you of the decision within seven (7) business days.

5.5 Exclusions

Refunds will not be granted in the following cases:

• Excessive or complete use of course content.
• Violation of this Agreement or engagement in fraudulent activities.
• Requests made outside the refund period.

5.6 Refund Process

If your request is approved:

• The refund will be processed using the same payment method as the original transaction.
• Processing time may vary depending on the financial institution but is typically completed within ten (10) business days.

6. RELEASE OF CLAIMS AND AGREEMENT NOT TO SUE
6.1 Acceptance of Risk and Responsibility

By using the Website and its content, you acknowledge and accept that you do so at your own risk and discretion. It is your responsibility to evaluate the suitability, accuracy, and usefulness of all content provided.

6.2 Waiver of Legal Claims

To the fullest extent permitted by applicable law, you expressly waive any right to take legal action, file claims, or bring lawsuits against Examen Élite, its affiliates, directors, employees, or agents concerning:

• The quality, accuracy, or suitability of the content on the Website.
• The failure to meet specific expectations or desired results.
• Any loss or damage, direct or indirect, that may arise from the use or inability to use the Website.

6.3 Limitation of Remedies

Your sole and exclusive remedy for dissatisfaction with the Website or any content is to discontinue your use. If, despite this waiver, it is determined that Examen Élite is liable to you, our total cumulative liability shall not exceed the total amount you paid for the services or products in question.

6.4 Agreement to Binding Arbitration

You agree that any dispute, controversy, or claim arising out of or related to this Agreement or the use of the Website will be resolved through binding arbitration as outlined in Section 13 of this document. This arbitration agreement means that you waive the right to a jury trial and to participate in class actions.

7. COLLECTION AND USE OF PERSONAL DATA
7.1 Types of Data Collected

We may collect personally identifiable information («Personal Data») that you voluntarily provide when registering, making purchases, or interacting with our Website. This data may include:

• Contact Information: Full name, email address, phone number.
• Payment Information: Details required to process transactions, such as credit/debit card numbers, expiration date, and billing address.
• Usage Data: Information about how you access and use the Website, including IP address, browser type, pages visited, and browsing time.

7.2 Use of Personal Data

We use your Personal Data to:

• Provide and Maintain the Service: Ensure the proper functioning of the Website and provide access to purchased materials.
• Transaction Processing: Manage payments, subscriptions, and orders.
• Communication: Send you important notifications, service updates, promotional offers, and respond to your inquiries.
• Service Improvement: Analyze trends and user behavior to improve our products and services.

7.3 Data Protection

We are committed to implementing reasonable administrative, technical, and physical security measures to protect your Personal Data from unauthorized access, loss, misuse, or alteration. However, no method of transmission or electronic storage is completely secure, and we cannot guarantee absolute security.

7.4 Disclosure of Data to Third Parties

We will not share, sell, or rent your Personal Data to third parties for their marketing purposes without your explicit consent. We may disclose your Personal Data:

• With Service Providers: Third parties that assist us in business operations, as long as they agree to maintain the confidentiality and security of your data.
• For Legal Obligations: If required by law, regulation, or legal process, or to respond to valid governmental requests.
• To Protect Rights: To protect our rights, privacy, security, property, or those of our affiliates, you, or others.

7.5 International Data Transfers

Your Personal Data may be transferred and stored on servers located outside of your state, province, country, or other governmental jurisdiction, where data protection laws may differ from those in your jurisdiction. By providing your data, you agree to such transfer.

8. INFORMATION SECURITY
8.1 Security Measures Implemented

We have adopted industry-standard protocols and practices to safeguard the integrity, confidentiality, and availability of your information. This includes:

• Encryption: Using SSL (Secure Socket Layer) technology to protect the transmission of sensitive data.
• Access Control: Restricting access to your Personal Data to authorized personnel who need such information to provide services.
• Monitoring and Audits: Regular reviews of our systems and processes to detect vulnerabilities and potential threats.

8.2 User Responsibility and Limitations

While we strive to protect your information, we cannot guarantee absolute security. Users also have a responsibility to protect their own information:

• Secure Passwords: You must choose secure passwords and keep them confidential.
• Caution on Public Networks: Avoid entering sensitive information on unsecured networks or devices.
• Incident Notification: Notify us immediately if you suspect any unauthorized access to your account.

8.3 Security Breach Notification

In the event of a security breach that compromises your Personal Data, we will take reasonable steps to notify you in accordance with applicable laws and regulations, providing details about the nature of the breach, the affected data, and the measures we are taking to remedy the situation.

9. USE OF COOKIES AND SIMILAR TECHNOLOGIES
9.1 What Are Cookies

Cookies are small text files stored on your device when you visit certain websites. They are used to enhance the user experience, remember preferences, and provide personalized content.

9.2 How We Use Cookies

Examen Élite uses cookies and similar technologies for the following purposes:

• Essential Functionality: Ensuring the proper operation of the Website and access to secure areas.
• User Preferences: Remembering your settings and preferences, such as language or region.
• Analytics and Performance: Collecting data on how users interact with the Website to improve its performance and design.
• Marketing and Advertising: Displaying relevant content and measuring the effectiveness of our advertising campaigns.

9.3 Controlling and Managing Cookies

You have the option to accept or reject the use of cookies:

• Browser Settings: Most web browsers allow you to control cookies through their settings. You can configure them to block or delete cookies.
• Disabling Cookies: Please note that disabling cookies may affect the functionality and experience of the Website, limiting access to certain features.

9.4 Third-Party Cookies

We may allow third-party service providers to place cookies on your device for the purposes mentioned above. These third parties may collect information about your online activities over time and across different websites.

9.5 Third-Party Policies

We do not control third-party tracking technologies or how they are used. If you have questions about an ad or other targeted content, you should contact the responsible provider directly.

10. USER RIGHTS
10.1 Access to Personal Data

You have the right to request information about the Personal Data we hold about you, including:

• Confirmation: Whether we are processing your Personal Data.
• Details: The purposes of processing, categories of data processed, data recipients, and retention periods.

10.2 Rectification and Updates

You can request the correction or update of any inaccurate or outdated Personal Data we hold about you. It is important that you keep your information up to date to ensure the accuracy of our records.

10.3 Data Deletion

You have the right to request the deletion of your Personal Data in certain circumstances, such as when:

• The data is no longer needed for the purposes for which it was collected.
• You withdraw your consent, and there is no other legal basis for processing.
• You object to the processing, and there are no overriding legitimate grounds.

10.4 Restriction of Processing

You may request that we restrict the processing of your Personal Data in specific situations, allowing us to store it but not actively process it.

10.5 Data Portability

In certain cases, you can request to receive a copy of your Personal Data in a structured, commonly used, and machine-readable format and to transmit it to another data controller.

10.6 Procedure for Exercising Rights

To exercise any of these rights, contact us through [contact email], providing clear details of your request. We may ask for additional information to verify your identity before processing your request.

10.7 Response Time

We aim to respond to all legitimate requests within thirty (30) days. In complex cases or with numerous requests, this timeframe may be extended, and we will notify you accordingly.

11. LINKS TO THIRD-PARTY WEBSITES
11.1 Inclusion of Links

The Website may contain links to other websites or online resources operated by third parties. These links are provided solely for your convenience and reference.

11.2 No Endorsement or Responsibility

The inclusion of any link does not imply our endorsement or association with the linked site. We do not control, endorse, or assume any responsibility for:

• Content: The accuracy, legality, or suitability of information on third-party websites.
• Privacy Practices: The data handling policies and practices of such websites.
• Availability: The continuous availability and operation of linked sites.

11.3 User’s Risk

By accessing third-party websites through links on our Website, you do so at your own risk. We strongly recommend that you review the terms of use and privacy policies of any external site before providing personal information or making transactions.

11.4 Disclaimer of Liability

Examen Élite shall not be liable, directly or indirectly, for any damages or losses caused or alleged to be caused by or in connection with the use of or reliance on any content, goods, or services available on or through such sites or resources.

12. MODIFICATIONS TO THE AGREEMENT
12.1 Right to Modify

We reserve the right, at our sole discretion, to modify, update, or change this Agreement at any time. Modifications will become effective immediately upon their posting on the Website.

12.2 Notification of Changes

Although we are not obligated to, we may choose to notify you of significant changes to this Agreement by:

• Sending an email to the address associated with your account.
• Placing a prominent notice on the Website.

12.3 Acceptance of Modifications

Your continued use of the Website after the posting of modifications constitutes your acceptance of the changes. If you do not agree to the modified terms, you must immediately cease using the Website.

12.4 Periodic Review

It is your responsibility to review this Agreement periodically to stay informed of any changes. The «Last Updated» date at the beginning of this document indicates when the last revision was made.

13. APPLICABLE LAW AND DISPUTE RESOLUTION
13.1 Applicable Law

This Agreement and any dispute or claim arising out of or in connection with it (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of the State of Texas, United States, without giving effect to any provision or rule of choice or conflict of laws.

13.2 Agreement to Binding Arbitration

13.2.1 Scope of Arbitration

Any dispute, controversy, or claim arising out of or related to this Agreement, its breach, termination, enforcement, interpretation, or validity, including the determination of the scope or applicability of this arbitration agreement, will be resolved by binding arbitration.

13.2.2 Arbitration Procedure

• Administration: The arbitration will be administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules.
• Location of Arbitration: The arbitration will take place in [County Name], Texas.
• Language: The arbitration will be conducted in Spanish, unless the parties agree otherwise.
• Number of Arbitrators: One (1) neutral arbitrator will be appointed in accordance with AAA rules.
• Confidentiality: All parties agree to maintain the confidentiality of the arbitration process, including any result or award.

13.2.3 Waiver of Class Actions

You and Examen Élite agree that any proceeding to resolve or litigate any dispute will be conducted solely on an individual basis. Neither you nor Examen Élite will seek to have any dispute heard as a class action, representative action, or consolidated action.

13.2.4 Waiver of Jury Trial

The parties expressly waive the right to a jury trial in any action or proceeding subject to this arbitration agreement.

13.3 Exceptions to Arbitration

The parties agree that the following disputes are not subject to the above arbitration provisions:

• Legal actions to enforce or protect, or concerning the validity of any intellectual property rights.
• Claims in small claims courts, if the dispute qualifies.

13.4 Limitation of Actions

Any action or claim you may have regarding the Website must be initiated within one (1) year after the cause of action arises. Otherwise, such claim or cause of action is permanently barred.

14. NON-TRANSFERABILITY OF THE ACCOUNT

14.1 Personal and Non-Transferable Account

Your account on Examen Élite is strictly personal and intended for your individual use only. The transfer, assignment, or sharing of your account, login credentials, or any right or obligation under this Agreement to third parties without our prior written consent is prohibited. This includes, but is not limited to, sharing your username and password with family members, friends, colleagues, or any other person.

14.2 Prohibition on Sharing Credentials

Sharing your login credentials constitutes a serious violation of this Agreement and may result in the immediate suspension or termination of your account without prior notice. Additionally, we reserve the right to take legal action if such sharing has caused harm or damage to Examen Élite, including but not limited to financial losses or damage to our reputation.

14.3 Monitoring and Verification

We reserve the right to monitor user account access and usage to ensure compliance with this Agreement. This may include collecting data such as IP addresses, devices used, access patterns, and other indicators that may suggest unauthorized or shared account use. Any suspicious activity may lead to an investigation and potential corrective action.

14.4 Consequences of Violation

If a violation of this section is detected, Examen Élite may, at its sole discretion:

• Suspend or Terminate the Account: Temporarily or permanently restrict your access to the Website and acquired materials.
• Claim Damages: Seek compensation for any harm or loss suffered as a result of the violation.
• Take Legal Action: Initiate legal proceedings to enforce our rights and protect our interests.

15. TERMINATION

15.1 Right to Terminate or Suspend

Examen Élite reserves the right, at its sole discretion, to suspend or terminate your access to the Website and its services at any time, with or without cause, and without prior notice. Reasons for such termination may include, but are not limited to:

• Violation of the Agreement: Failure to comply with any term or condition set forth in this document.
• Fraudulent or Illegal Activity: Participation in activities that are fraudulent, illegal, or could harm the integrity and security of the Website or other users.
• Unauthorized Use: Access or attempt to access unauthorized areas of the Website or related systems.

15.2 Effects of Termination

Upon termination:

• Cessation of Rights: All rights and licenses granted under this Agreement will immediately cease.
• Outstanding Obligations: You will remain responsible for any outstanding obligations, including due payments and compliance with confidentiality obligations.
• Restricted Access: You will be prohibited from accessing the Website, creating new accounts, or using our services in the future.

15.3 Refund After Termination

If the termination is initiated by Examen Élite without cause attributable to the user, we may, at our discretion, provide a proportional refund based on the remaining paid and unused access time. However, no refunds will be granted if the termination is the result of a violation of this Agreement by the user.

16. INDEMNIFICATION

16.1 Obligation to Indemnify

You agree to defend, indemnify, and hold harmless Examen Élite, its directors, employees, agents, affiliates, and partners, from and against any claim, demand, action, damage, loss, cost, or expense (including reasonable attorney’s fees) arising from or related to:

• Breach of the Agreement: Any violation or breach of this Agreement by you.
• Unauthorized Use: Misuse or unauthorized use of the Website or its content.
• Infringement of Rights: Violation of any third-party rights, including intellectual property, privacy, or publicity rights.

16.2 Indemnification Procedure

In the event of a claim subject to indemnification:

• Notification: Examen Élite will promptly notify you of the claim or legal action.
• Cooperation: You must fully cooperate in the defense against such a claim.
• Control of Defense: Examen Élite reserves the right to assume the defense and exclusive control of any matter subject to indemnification.

16.3 No Agreement Without Consent

You may not, without Examen Élite’s prior written consent, agree to any settlement or commitment that:

• Involves an admission of guilt or liability by Examen Élite.
• Imposes any obligation or restriction on Examen Élite.

17. INTEGRITY OF THE AGREEMENT

17.1 Entire Agreement

This Agreement, together with any policies, notices, or additional agreements incorporated by reference, constitutes the complete and exclusive agreement between you and Examen Élite regarding the use of the Website and supersedes and cancels all prior agreements, understandings, negotiations, and discussions, whether oral or written.

17.2 No Reliance on External Representations

You acknowledge and agree that you have not relied on any representation, warranty, or statement that is not expressly set forth in this Agreement.

17.3 Written Modifications

Any modification or amendment to this Agreement must be in writing and signed by an authorized representative of Examen Élite. Verbal modifications will not be valid or binding.

18. SEVERABILITY
    18.1 Partial Validity

If any provision of this Agreement is found to be invalid, illegal, or unenforceable for any reason, that provision will apply to the maximum extent permitted, and the unenforceable portion will be deemed severable from the Agreement. The invalidity of one provision will not affect the validity and enforceability of the remaining provisions.

18.2 Judicial Review

If any provision is deemed overly broad in duration, geographic scope, activity, or subject matter, that provision will be limited and enforced to the maximum extent permitted by law to reflect the original intent of the parties.

19. NO WAIVER
    19.1 No Implicit Waiver

The failure or delay of Examen Élite in exercising any right, power, or privilege under this Agreement will not constitute a waiver of it. Any waiver must be explicit and in writing to be effective.

19.2 Partial Exercise

The partial exercise of any right, power, or privilege will not prevent the further or additional exercise of the same or any other right, power, or privilege.

20. CONTACT
    20.1 Contact Information

If you have any questions, concerns, comments, or requests related to this Agreement, our practices, or any related matter, you can contact us through the following means:

Email: [contact email]
Postal Address: [Complete physical address of the company, including city, state, and postal code]
Phone: [Contact phone number, if applicable]
20.2 Customer Service Hours

Our customer service team is available during [days and hours of operation] to assist you with any inquiries or support you may need.

21. USE BY MINORS
    21.1 Minimum Age Requirement

The Website and the services offered are intended exclusively for individuals who are at least eighteen (18) years old. By accessing or using the Website, you represent and warrant that you meet this age requirement.

21.2 Restrictions for Minors

We do not knowingly collect personal information from individuals under the age of 18. If we discover that we have collected personal information from a minor without verifiable parental consent, we will take immediate steps to delete that information from our records.

21.3 Responsibility of Parents or Guardians

If you are a parent or legal guardian and believe that your child under 18 has provided us with personal information, please contact us immediately at [contact email] so we can take appropriate action.

22. ADDITIONAL POLICIES
    22.1 Electronic Communications

By using the Website or communicating with us electronically, you agree to receive communications from us electronically. We will communicate with you via email, Website notifications, or other equivalent electronic means. You agree that all agreements, notices, disclosures, and other communications we provide to you electronically satisfy any legal requirement that such communications be in writing.

22.2 Communication Preferences

You may opt-out of receiving promotional communications by following the unsubscribe instructions included in those emails. However, we may still send you communications related to your account or transactions, unless you close your account.

22.3 Preferred Language

The official language for all communications and agreements is Spanish. We are not responsible for errors or misunderstandings that may arise from translations performed by third parties or automated tools.

23. ADDITIONAL DISCLAIMER OF WARRANTIES
    23.1 Accuracy and Updating of Content

While we strive to keep the information on the Website up-to-date and accurate, we do not guarantee that the content is complete, accurate, or free from errors. The content may become outdated at any time, and we are under no obligation to update it.

23.2 No Liability for Damages

Examen Élite will not be liable for any damage or virus that may infect your computer equipment, mobile devices, or other property as a result of your access, use, or browsing of the Website, or from downloading any material, data, text, images, video, or audio from it.

23.3 Disclaimer of Hyperlinks

Use of hyperlinks to or from the Website is at your own risk. Linked sites are not under the control of Examen Élite, and we are not responsible for the content of any linked site or any link contained within a linked site.

24. FORCE MAJEURE
    24.1 Exemption for Force Majeure Events

Examen Élite will not be held responsible or deemed in breach of this Agreement for any delay or failure in performance directly or indirectly resulting from causes or circumstances beyond our reasonable control, including but not limited to:

Natural disasters (earthquakes, floods, hurricanes, fires, etc.).
Acts of war, terrorism, rebellion, or insurrection.
Governmental actions or regulations.
Failures of communication networks, internet service providers, or power outages.
Pandemics, epidemics, or public health emergencies.
24.2 Notification and Mitigation

In the event of a force majeure:

Notification: We will make reasonable efforts to notify you of the nature and extent of the event.
Mitigation: We will take reasonable steps to mitigate the effects of the event and resume our obligations as soon as possible.

25. ELECTRONIC ACCEPTANCE
    25.1 Consent to Electronic Transactions

By using the Website, you agree that all transactions, agreements, and communications between you and Examen Élite may be conducted electronically. This includes your consent to sign contracts and agreements electronically.

25.2 Legal Validity

You acknowledge that electronic agreements and signatures are legally binding and equivalent to written agreements and physical signatures.

25.3 Record Retention

It is your responsibility to maintain electronic or printed copies of this Agreement and any other electronic communication or transaction for your records.

26. FINAL STATEMENTS
    26.1 Language of the Agreement

This Agreement has been drafted in Spanish, which is considered the official and governing language. In the event of any translation into another language, the Spanish version will prevail. We are not responsible for any errors or misunderstandings that may arise from translations.

26.2 Section Titles and Headings

The section titles and headings in this Agreement are provided for convenience only and do not affect the interpretation or construction of the terms and conditions herein.

26.3 Relationship Between the Parties

Nothing in this Agreement will be interpreted as creating a partnership, joint venture, agency relationship, or employment relationship between you and Examen Élite. Both parties act as independent contractors.

27. COMPLIANCE WITH LAWS AND REGULATIONS
    27.1 Legal Compliance

You agree to comply with all applicable local, state, national, and international laws, regulations, and rules in relation to your use of the Website and the services offered.

27.2 Export Restrictions

You may not use, export, or re-export the content or any copy or adaptation thereof in violation of any applicable law or regulation, including, but not limited to, the export laws and regulations of the United States.

27.3 False Statements

You agree not to provide false, inaccurate, or misleading information during the registration process or in any interaction with Examen Élite.

28. USER CONDUCT
    28.1 Responsible Use

You agree to use the Website and services responsibly and ethically, refraining from conduct that may be considered illegal, harmful, offensive, or disruptive.

28.2 Prohibited Activities

The following activities are prohibited when using the Website:

Transmitting viruses, malware, or any other malicious code.
Attempting to access systems, accounts, or data of other users without authorization.
Interfering with or disrupting the integrity or performance of the Website or the data contained within it.
Posting content that is defamatory, obscene, pornographic, harassing, threatening, invasive of privacy, or that infringes on third-party rights.
28.3 Reporting Abuses

If you observe or suspect any activity that violates this Agreement or is inappropriate, please notify us immediately at [contact email].

29. FEEDBACK AND SUBMISSIONS
    29.1 Voluntary Provision

Any comments, suggestions, ideas, or information you provide to Examen Élite related to the Website or our services («Feedback») will be considered voluntarily provided and non-confidential.

29.2 Use of Feedback

By providing Feedback, you grant Examen Élite a non-exclusive, perpetual, irrevocable, royalty-free, transferable, and sublicensable right and license to use, reproduce, modify, adapt, publish, translate, create derivative works, distribute, and display such Feedback worldwide and in any medium.

29.3 Waiver of Rights

You waive any claim for compensation or attribution related to the use of your Feedback.

30. THIRD-PARTY SERVICES
    30.1 Integration with Third Parties

The Website may integrate or interact with third-party services, applications, or websites to provide additional functionality, such as payment processors, educational platforms, or analytics tools.

30.2 No Responsibility

Examen Élite does not endorse or take responsibility for third-party services, including their availability, accuracy, content, or privacy practices. The use of third-party services is subject to the terms and conditions and privacy policies of those third parties.

30.3 User Risk

Any interaction with third-party services is at your own risk. We recommend carefully reviewing the terms and policies of any third-party service before using it.

31. GOVERNING LANGUAGE
    31.1 Spanish Prevails

This Agreement and all related documents are drafted in Spanish. In the event of any discrepancy or conflict between the Spanish version and any translation, the Spanish version will prevail.

32. EXPORT COMPLIANCE
    32.1 Export Regulations

You agree to comply with all export control and trade sanctions laws and regulations of the United States and any other applicable country. You may not export, re-export, or transfer, directly or indirectly, any software, technology, or technical information obtained from Examen Élite in violation of such laws and regulations.

33. NOTICE FOR CALIFORNIA RESIDENTS
    33.1 Privacy Rights

Although Examen Élite operates under the laws of the State of Texas, we respect the privacy rights of California residents under the California Consumer Privacy Act (CCPA). If you are a California resident, you may have additional rights regarding your personal information.

33.2 Information Requests

California residents may request details about the personal information collected, the sources of such information, the purpose of the collection, and the third parties with whom the information is shared. To make a request, please contact us at [contact email].

34. ASSIGNMENT
    34.1 User Assignment Restrictions

You may not assign, transfer, or delegate this Agreement or any of your rights or obligations under it without Examen Élite’s prior written consent.

34.2 Examen Élite’s Right to Assign

Examen Élite may assign, transfer, or delegate this Agreement or any of its rights and obligations, in whole or in part, without your consent and without restrictions.

35. SURVIVAL
    35.1 Surviving Provisions

The provisions of this Agreement that, by their nature, must continue to remain in effect after the termination or expiration of this Agreement will survive such termination or expiration. This includes, but is not limited to, provisions related to intellectual property, indemnification, limitation of liability, governing law, and dispute resolution.

36. UNDERSTANDING AGREEMENT
    36.1 Relationship Between the Parties

This Agreement does not create or imply any agency relationship, partnership, joint venture, employment relationship, or franchise between you and Examen Élite. Both parties act as independent contractors.

36.2 Third-Party Rights

This Agreement does not grant rights, benefits, or remedies to any person or entity other than the parties to it. There are no third-party beneficiaries of this Agreement.

BY USING EXAMEN ÉLITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREED TO ALL THE TERMS AND CONDITIONS SET FORTH IN THIS AGREEMENT.