Terms & Conditions
Last updated: January 15, 2026
These Terms and Conditions govern access to and use of the website guayacap.com, operated by Guayacap S.A.S. By accessing this site, you agree to comply with these terms. If you disagree, please do not use our website.
1. Service provider identification
Company name: Guayacap S.A.S. RUC: 1792584310001. Address: Av. República del Salvador N34-127 y Suiza, Edificio Prisma Norte, Office 402, Quito, Ecuador. Quito Commercial Registry No. 2019-GYC-00847. Operating License SCVS-2019-0412.
2. Nature of services
Guayacap offers financial education and personal finance consulting services. Our services are informational and educational in nature. They do not constitute investment advice, financial intermediation, or recommendations for specific financial products. We are not a financial institution regulated by Ecuador's Superintendency of Companies, Securities, and Insurance for the provision of regulated financial services.
3. Website use
Users agree to use the website in accordance with Ecuadorian law, these Terms and Conditions, morality, and accepted customs. The use of the site for unlawful purposes, unauthorized reproduction of content, and any action that may damage, overload, or impair the normal functioning of the website is prohibited.
4. Intellectual property
All content on this website, including texts, graphics, logos, images, design, and software, is the property of Guayacap S.A.S. or its licensors and is protected by Ecuador's intellectual property laws and applicable international conventions. Its reproduction, distribution, or modification without prior written authorization is prohibited.
5. Limitation of liability
The information provided on this website is of a general and informational nature. Guayacap does not guarantee that the information is complete, accurate, or up-to-date at all times. Financial decisions made based on the information on this site are the sole responsibility of the user. Guayacap shall not be liable for losses or damages arising from the use of published information.
6. Contact form
By submitting information through our contact form, you declare that the data provided is truthful and consent to its processing in accordance with our Privacy Policy. We reserve the right not to respond to requests that we consider inappropriate or outside the scope of our services.
7. Third-party links
This site may contain links to third-party websites. Guayacap has no control over the content of these sites and assumes no responsibility for them. The inclusion of links does not imply endorsement or association with said sites.
8. Applicable law and jurisdiction
These Terms and Conditions are governed by the laws of the Republic of Ecuador. Any dispute arising from the use of this website shall be submitted to the competent courts of the city of Quito, Ecuador, with both parties waiving any other jurisdiction that may correspond to them.
9. Modifications
Guayacap reserves the right to modify these Terms and Conditions at any time. Modifications will take effect upon publication on the website. Continued use of the site after the publication of changes implies acceptance of the modified terms.
10. Contact
For inquiries about these Terms and Conditions: legal@guayacap.com. Av. República del Salvador N34-127 y Suiza, Edificio Prisma Norte, Office 402, Quito, Ecuador.