Last updated: 16-01-2026
Welcome to Lendavatorio. By accessing and using this website, you agree to comply with and be bound by the following terms and conditions of use. If you do not agree with these terms, we ask that you not use this website. We reserve the right to modify these terms at any time, so we recommend you review them periodically.
Lendavatorio is an educational and informational portal about Mexico's Afore pension system. We provide educational content, simulation tools and informational resources to help Mexican workers understand and plan their retirement. It is important to note that:
You agree to use this website only for legitimate purposes and in a manner that does not infringe the rights of third parties or restrict or inhibit the use of the site by other users. It is prohibited to:
All content included on this website, including texts, graphics, logos, icons, images, audio clips, digital downloads and software, is the property of Lendavatorio or its content providers and is protected by Mexican and international copyright and intellectual property laws. Unauthorized use of any material may violate copyright, trademark and other applicable laws.
If you submit comments, suggestions, ideas or any other material through our contact forms, you grant Lendavatorio a non-exclusive, royalty-free, perpetual and irrevocable right to use, reproduce, modify and publish such content for any purpose. You represent that you own all necessary rights to the submitted content and that it does not infringe third party rights.
We strive to keep the information on this website updated and accurate. However, we do not guarantee the accuracy, completeness or timeliness of the information provided. Educational content about Afores is based on publicly available information and may change without notice. Simulations and calculations are illustrative and do not constitute guaranteed projections of future returns.
This website may contain links to websites operated by third parties. These links are provided solely for your convenience and do not imply endorsement on our part. We have no control over the content of those sites and are not responsible for their content, privacy policies or practices. We recommend reading the terms and privacy policies of any third-party sites you visit.
Lendavatorio will not be liable for:
The information provided does not constitute financial, legal or tax advice. You should consult with qualified professionals before making important financial decisions.
You agree to indemnify and hold harmless Lendavatorio, its directors, employees and agents from any claim, loss, liability, damage, cost or expense (including reasonable legal fees) arising from your use of the website or any violation of these terms.
We strive to keep the website available continuously, but we do not guarantee that the site will be free from interruptions or errors. We reserve the right to suspend, withdraw or modify any aspect of the site without prior notice. We will not be responsible if for any reason the site is not available at any time or during any period.
We may revise and update these terms of use at any time without prior notice. By continuing to use the website after changes are posted, you accept the modified terms. The date of the last update is indicated at the beginning of this document. We recommend you review these terms periodically.
These terms shall be governed and interpreted in accordance with the laws of the United Mexican States. Any dispute related to these terms or the use of this website shall be subject to the exclusive jurisdiction of the competent courts of San Pedro Garza García, Nuevo León, Mexico. You agree to submit to the personal jurisdiction of such courts.
If any provision of these terms is deemed invalid or unenforceable by a competent court, such provision shall be modified and interpreted to achieve the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions shall continue in full force and effect.
The fact that we do not exercise or enforce any right or provision of these terms shall not constitute a waiver of such right or provision. Any waiver of any provision of these terms will be effective only if made in writing and signed by an authorized representative of Lendavatorio.
If you have questions about these Terms of Use, you may contact us through:
These terms, together with our Privacy Policy and Cookie Policy, constitute the complete agreement between you and Lendavatorio regarding use of the website and supersede all prior or contemporaneous agreements, written or oral, related to such use.