Terms & Conditions
Last updated: January 15, 2026
These Terms and Conditions govern the access and use of the website noriawealth.com (the "Site"), owned and operated by Noriawealth Sdn. Bhd., a company incorporated under the laws of Malaysia with registered address at Suite 18-03, Menara Prestige, Jalan Pinang, 50450 Kuala Lumpur. By accessing and using this Site, you agree to be bound by these Terms in their entirety.
1. Acceptance of Terms
By accessing, browsing, or using any part of this Site, you acknowledge that you have read, understood, and accepted these Terms and our Privacy Policy. If you do not agree with any provision of these Terms, we ask that you refrain from using the Site. We reserve the right to modify these Terms at any time, and modifications will be effective upon publication on the Site.
2. Educational Nature of Content
All content published on this Site, including articles, guides, infographics, calculators, and any other material, is intended exclusively for educational and informational purposes. The content is designed to help Colombian families understand basic and advanced financial concepts but does not constitute and should not be interpreted as professional financial, tax, legal, or investment advice.
3. No Financial Advice
Noriawealth is not a regulated financial entity, nor does it act as a financial advisor, stockbroker, fund manager, or any other financial market participant. We do not provide specific investment recommendations, financial products, or trading strategies. Any mention of financial institutions, products, or specific services (such as Colpensiones, Porvenir, Protección, or others) is made exclusively for informational and educational purposes.
4. Intellectual Property
All content on the Site, including but not limited to text, graphics, logos, icons, images, audio clips, data compilations, and software, is the property of Noriawealth Sdn. Bhd. or its respective licensors and is protected by applicable intellectual property laws. Reproduction, distribution, modification, public display, or any other use of the content without prior written authorization from Noriawealth is prohibited.
5. User Conduct
By using this Site, you agree to: use the Site only for lawful purposes and in accordance with these Terms; not attempt to gain unauthorized access to Site systems, networks, or data; not transmit viruses, malware, or any destructive code; not collect personal information from other users without their consent; and not use Site content for commercial purposes without express authorization.
6. Third-Party Links
The Site may contain links to third-party websites that are not operated or controlled by Noriawealth. We assume no responsibility for the content, privacy policies, or practices of third-party websites. We recommend reviewing the terms and privacy policies of any third-party website you visit.
7. Limitation of Liability
To the maximum extent permitted by applicable law, Noriawealth Sdn. Bhd., its directors, employees, agents, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages resulting from the use or inability to use the Site or its content. This includes, without limitation, financial losses arising from decisions made based on the Site's educational content.
8. Indemnification
You agree to indemnify, defend, and hold harmless Noriawealth Sdn. Bhd. and its directors, employees, and agents from any claim, liability, damage, loss, and expense (including reasonable attorney's fees) arising out of or related to your use of the Site, your violation of these Terms, or your violation of any third-party rights.
9. Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of the Federal Territory of Kuala Lumpur, Malaysia, without regard to conflict of law principles. Any dispute arising in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Kuala Lumpur, Malaysia.
10. Contact
If you have any questions or concerns about these Terms and Conditions, you may contact us at: Noriawealth Sdn. Bhd., Suite 18-03, Menara Prestige, Jalan Pinang, 50450 Kuala Lumpur, Wilayah Persekutuan, Malaysia. Email: contacto@noriawealth.com