Terms and Conditions

1. Acceptance of the terms

By using this site (juliofinance.com), you agree to these terms and conditions. If you do not agree with any of them, please do not use the site.

These terms form an agreement between you and Julio Cañas, operating under the trade name JulioFinance, based in Miami, Florida, United States.

2. What you will find on this site

juliofinance.com is the personal brand of Julio Cañas. The site offers:

• Editorial content (blog, in-depth articles) on financial strategy, tax planning, and wealth building for business owners in the United States
• FintelBrief™: a monthly email newsletter.
• Information about Julio's books (including the waitlist for the next title).
• Access to lead magnets / assessments (hosted on an external platform).
• Information about the services of the FintelGroup™ ecosystem (FintelAgency™, FintelAdvisers™, FintelInsurance™, AgentPRO™) and links to their respective sites.

Paid services (1-on-1 advisory, strategic accounting, insurance, the AgentPRO™ community) are not contracted or delivered from this site: they live on the sites of their respective brands, each with its own terms.

3. Permitted use

You may:

• Browse, read, and share the content for personal use.
• Quote excerpts on social media, on your own site, or in publications, with attribution to the source.
• Subscribe to the newsletter, join the book waitlist, or send us a message through the contact form.

You may not:

• Copy and republish the full content without written authorization.
• Modify, translate, or create derivative works from the content for commercial purposes without authorization.
• Use the content to train AI models without prior authorization.
• Run automated mass scraping, attack the site, or attempt to access non-public systems.
• Impersonate Julio Cañas, JulioFinance, or any brand in the FintelGroup™ ecosystem.
• Use the site for unlawful or unethical activities.

4. Subscriptions (newsletter, waitlist)

When you subscribe to the newsletter or join the book waitlist:

• You agree to receive email communications related to the content you subscribed to.
• You can unsubscribe at any time using the link at the bottom of every email.
• The handling of your data is governed by the Privacy Policy.

We do not send spam, and we do not share your email with third parties.

5. Content you provide

If you send us a message through the contact form, a question for an episode, an answer to an assessment, or any other content:

• You confirm that it is your own work and that you have the right to send it.
• You grant us the right to use your question or comment anonymously in educational content (without identifying you), unless you ask otherwise.
• You do not transfer ownership of that content to us: it remains yours.

6. Intellectual property

The text, video, audio, images, design, and code on this site are the property of Julio Cañas or are used with permission from the respective owner.

The brands FintelGroup™, FintelAgency™, FintelAdvisers™, FintelInsurance™, AgentPRO™, Bioneurofinanzas™, FintelBrief™, Despierta Tus Finanzas® and Fintelhub® are brands of the FintelGroup™ ecosystem and may not be used without authorization.

For requests to use content or a brand, write to info@fintelhub.com.

7. Educational content, not individualized advice

All content on the site (articles, videos, podcast, newsletter, books, assessments) is for educational purposes. It does not constitute financial, tax, legal, or investment advice applied to your particular situation.

Financial decisions depend on personal circumstances (income, debt, age, dependents, jurisdiction, risk tolerance) that public content cannot know. Before acting on any idea from this site, consult a licensed professional in your jurisdiction.

See the full detail in the Legal Notice.

8. Limitation of liability

To the fullest extent permitted by applicable law, Julio Cañas and JulioFinance are not liable for:

• Financial, tax, or business decisions you make based on the content of the site.
• Economic losses, lost profits, or indirect damages arising from the use of the site.
• Temporary service interruptions, software errors, or outages from technology providers.
• The content, policies, or practices of third-party sites linked from here (including lead magnet platforms, the sites of ecosystem companies, Amazon, YouTube, and others).

This limitation applies even if we have been advised of the possibility of such damages.

9. Indemnification

You agree to indemnify and hold harmless Julio Cañas and JulioFinance against third-party claims arising from your use of the site in violation of these terms (for example, if you copy content without authorization and a third party makes a claim against you, or if you use the site for unlawful activities).

10. Suspension or termination of access

We may suspend or limit access to the site (in whole or in part) without prior notice if:

• We detect improper use (attacks, mass scraping, impersonation, fraud).
• For scheduled or unscheduled technical maintenance.
• For editorial or business reasons.

You may stop using the site at any time without any notice.

11. Changes to these terms

We may update these terms at any time. The date at the top of the document indicates the current version. If the changes are material, we will announce them on the site or by email to newsletter subscribers.

Continued use of the site after a change constitutes acceptance of the updated terms.

12. Governing law and dispute resolution

These terms are governed by the laws of the State of Florida, United States. Any dispute related to the site or to these terms will be submitted to the competent courts of Miami-Dade County, Florida, unless applicable law provides otherwise.

Before starting any legal action, we ask that you contact us to try to resolve the matter in good faith (write to info@fintelhub.com).

13. Contact

For any questions about these terms:

• Email: info@fintelhub.com
• Location: Miami, Florida, United States