Terms and Conditions
Last updated: 11/11/2025
Welcome to Novidium. By accessing and using this website, you agree to comply with these terms and conditions. Please read them carefully.
1. Acceptance of Terms
By accessing and using the Novidium website, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions, as well as our privacy policy.
2. Educational Purpose
Novidium is an educational portal designed to provide information about financial education and resources for citizens of Panama. We do not offer financial services, investment advice, or financial products. All content is purely educational and informational.
3. Disclaimer
The information provided on this website is for educational purposes only and does not constitute financial, legal, or professional advice. We are not responsible for any financial decisions you make based on information from this site. Always consult with qualified professionals before making important financial decisions.
4. Information Accuracy
While we strive to keep information current and accurate, we do not guarantee the accuracy, completeness, or timeliness of the content. Exchange rates and other financial information are approximate and for informational purposes only.
5. Intellectual Property
All content on this website, including text, graphics, logos, and images, is the property of Novidium or its licensors and is protected by Panamanian and international intellectual property laws.
6. Acceptable Use
You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of third parties or restrict or inhibit anyone else's use and enjoyment of the site.
7. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the content or privacy practices of these external sites.
8. Limitation of Liability
To the maximum extent permitted by law, Novidium shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from the use of or inability to use this website.
9. Modifications
We reserve the right to modify these terms and conditions at any time. Changes will take effect immediately upon posting on the website.
10. Jurisdiction
These terms are governed by the laws of the Republic of Panama. Any disputes will be resolved in the competent courts of Panama.