The conditions that govern your access to and use of the Active Cash Flow website and its content.
Last Updated: 25 March 2026
All content published on this Site, including guides, articles, checklists, worksheets, and any other materials, is provided for general educational and informational purposes only. The content relates to the structure and functioning of everyday banking products in Ecuador.
Nothing on this Site constitutes financial advice, legal advice, investment advice, tax advice, or any other form of professional advisory service. The content does not take into account your individual financial situation, needs, objectives, or circumstances. You should not make financial decisions based solely on information found on this Site.
For advice specific to your situation, we recommend consulting a qualified financial professional, legal advisor, or other relevant expert licensed to practice in Ecuador.
You may access and use the Site for personal, non-commercial educational purposes. Specifically, you are permitted to:
You may not use the Site in any manner that could damage, disable, overburden, or impair its functionality. You may not attempt to gain unauthorized access to any part of the Site or its underlying systems.
All content on this Site, including but not limited to text, guides, checklists, graphics, logos, and the overall design, is the property of Active Cash Flow or its content providers and is protected by applicable intellectual property laws.
You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any content from this Site without prior written permission from Active Cash Flow. Requests for permission may be directed to info@active-cash-flow.com.
The Active Cash Flow name and logo are identifiers of the business and may not be used without express written authorization.
We make reasonable efforts to ensure that the educational content on this Site is accurate and reflects current banking practices and regulations in Ecuador at the time of publication. However, banking products, fees, regulations, and contract terms change over time.
We do not warrant that any content on the Site is complete, accurate, current, or free from errors. Banking regulations and product terms in Ecuador may have changed since any given piece of content was written. Always verify current terms directly with your financial institution before making decisions.
We reserve the right to update, correct, or remove content at any time without notice.
To the fullest extent permitted by applicable law, Active Cash Flow shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of, or inability to use, the Site or its content. This includes, without limitation, any loss or damage resulting from reliance on information obtained through the Site.
Active Cash Flow does not accept liability for decisions made by users based on educational content published on this Site. The Site provides general information about how banking products work in Ecuador. Individual outcomes will vary based on specific circumstances, product terms, and the policies of individual financial institutions.
Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability. In such cases, our liability will be limited to the fullest extent permitted by law.
The Site may contain links to external websites for reference or informational purposes. These links do not constitute an endorsement of the content, products, or services offered on those external sites. Active Cash Flow has no control over and accepts no responsibility for the content, privacy practices, or availability of any linked external website.
You access any external links at your own risk. We recommend reviewing the terms and privacy policies of any external site you visit.
These Terms of Use are governed by and construed in accordance with the laws of the Republic of Ecuador, including the Código Civil, the Ley de Comercio Electrónico, Firmas y Mensajes de Datos, and the Ley Orgánica de Protección de Datos Personales, without regard to conflict of law principles.
Any dispute arising from or related to these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the competent courts of Ecuador. If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.
For questions, concerns, or notices related to these Terms of Use, or to request permission to use content from the Site, please contact us at:
Email: info@active-cash-flow.com
Address: Edificio Altamira, Rio Papallacta, y y Rio Misahualli, oficina 301, 180207 Ambato
Phone: +593983523087
We will acknowledge legal notices and respond to substantive inquiries within a reasonable timeframe. Notices sent by email are considered received on the day they are sent, provided no delivery failure notification is received.