Terms and Conditions

01Definitions#

For the purposes of these Terms, the following terms have the meanings set out below:

• “GALD Partners”, “we”, or “the Provider”: Grupo Amodio Garza, S.A. de C.V., a company incorporated under the laws of the United Mexican States, domiciled in San Pedro Garza García, Nuevo León, Mexico.
• “Platform” or “Service”: GALD’s software as a service (SaaS), comprising the GALD Empresa and GALD PyME products, available at galdpartners.com and its subdomains.
• “Product”: each of the Service products that can be subscribed to separately: GALD Empresa and GALD PyME.
• “User” or “you”: the individual who registers on the Platform, whether on their own behalf or on behalf of a legal entity.
• “Client Company”: the legal entity or individual engaged in business activities that uses the Service.
• “Subscription”: the Product subscribed to under the conditions of section 7.
• “User Content”: any data, information, file, or material that the User enters, uploads, or generates on the Platform.
• “Terms”: this document, including any annex, policy, or notice referenced in it.

02Acceptance and legal capacity#

By creating an account, registering, subscribing to, or using the Platform, you represent, under penalty of perjury, that:

• You are of legal age and have full legal capacity under the laws that apply to you.
• If you act on behalf of a legal entity, you have sufficient and current authority to bind it.
• You have read these Terms and our Privacy Notice in full and accept them without reservation.
• The information you provide is truthful, accurate, current, and complete.

Acceptance is completed by checking the corresponding box at registration, in accordance with the provisions of the Mexican Commercial Code on electronic signatures and consent given through electronic means.

03Territorial scope#

The Service is available to companies located in Latin America and is offered in Spanish and English. The Service is operated from Mexico by Grupo Amodio Garza, S.A. de C.V.

It is the User’s responsibility to verify that use of the Service is compatible with the regulations that apply in their jurisdiction, including any tax and accounting obligations of their Client Company.

04Description of the Service#

GALD is a technology platform that provides financial analysis and diagnostic tools for companies. It is offered as two Products:

4.1 GALD Empresa

• Decision Center, with agents that watch the financial operation and generate signals.
• Score G and Pulso: a financial score and indicators calculated from the data entered by the User.
• AI CFO: an artificial-intelligence conversational copilot that generates explanations and recommendations.
• Scenario simulator, cash-flow projection, and valuation.
• Daily log, KPI alerts, and WhatsApp signals.
• Executive PDF reports, in Spanish and English.

4.2 GALD PyME

• Cash flow, financial capture, and receivables and payables.
• Sales, expenses, and follow-up on open items.
• An operations workspace based on the business profile.
• GALD AI to explain the numbers and next steps.

The features available in each Product may evolve. The current description of each Product is published at galdpartners.com.

GALD analyzes, simulates, explains, and recommends. GALD does not execute transactions, move money, make payments on the User’s behalf, or approve decisions. Approving and executing any decision rests solely with the User and their Client Company.

GALD Partners does not guarantee the accuracy, precision, completeness, or usefulness of the results generated, which depend directly on the quality and truthfulness of the information the User enters.

05Use of artificial intelligence#

Some features of the Service, such as the AI CFO, GALD AI, and assisted document reading, use artificial-intelligence models provided by third parties, including Anthropic. To provide these features, the User’s question and the data needed as context for the analysis are sent to the provider, as described in the Privacy Notice.

• AI-generated answers may contain errors, omissions, or incomplete interpretations. The User must verify them before relying on them.
• Answers are informational; they do not constitute professional advice or replace the User’s own judgment.
• The final decision on any recommendation always belongs to a person.
• GALD Empresa includes 50 AI CFO queries a month. Additional queries, when purchased, are subject to the terms and prices in effect at the time of purchase.

06User account#

6.1 Registration

To access the Service you must create an account with truthful and complete information. Each account corresponds to a single User and a single Client Company, except in Products that allow additional users.

6.2 Credentials and security

You are solely responsible for keeping your credentials confidential and for all activity that occurs under your account. You must notify us immediately at hello@galdpartners.com of any unauthorized access, misuse, or suspected security breach.

6.3 Suspension and deletion

GALD Partners may suspend, restrict, or delete your account without any liability when it detects:

• Violations of these Terms or of our policies.
• False, fraudulent, or misleading information.
• Activities that put the security of the Platform or of other users at risk.
• Non-payment of the Subscription.
• Requests from a competent authority.

07Products, pricing, and billing#

The Products are offered under the following monthly Subscription scheme:

GALD Empresa

$14,999 MXN per month, plus applicable taxes.

GALD PyME

$1,719 MXN per month, plus applicable taxes.

7.1 Legacy plans

The Essentials, Finance OS, and CFO as a Service plans are no longer sold and cannot be purchased. Active Subscriptions under those plans keep their conditions in full —scope, amount, and billing frequency— until cancelled, and continue to renew normally. Nothing in this section changes a previously purchased Subscription.

7.2 Billing

Billing is monthly and renews automatically at the end of each cycle. Subscriptions are purchased online through the website, with recurring charges processed by our payment processors. Where a written agreement is signed with GALD Partners instead, its scope, amount, and billing frequency will be those set out in that agreement.

7.3 Currency

Prices are stated and charged in Mexican pesos (MXN). If your payment method is denominated in another currency, your bank or card issuer may apply a currency conversion and charge fees, which are outside GALD Partners’ control and are your responsibility.

7.4 Taxes

Prices do not include taxes. Applicable taxes depend on the billing information you provide. For customers in Mexico, 16% Value Added Tax (IVA) is added: GALD Empresa totals $17,398.84 MXN per month and GALD PyME totals $1,994.04 MXN per month, including VAT.

Before you confirm any payment, you are shown a breakdown of the charge. The amount charged to your payment method is the total shown in that breakdown.

7.5 Payment methods and processors

We accept credit cards, debit cards, and other methods enabled through our payment processors, Stripe and PayPal. GALD Partners does not receive or store your full payment card numbers. By providing your payment information, you authorize GALD Partners and its processors to charge the Subscription amount.

7.6 Partner codes

If you have a partner code, you can enter it at checkout. Each code is governed by the conditions under which it was issued.

7.7 Tax receipts

Customers in Mexico may request their electronic tax invoice (CFDI) by writing to hello@galdpartners.com with their tax information within the calendar month in which the charge was made. Invoices are issued manually in accordance with current Mexican law. The User is responsible for providing correct and current tax information. Customers outside Mexico may request the available proof of payment at the same address.

7.8 Price changes

GALD Partners reserves the right to change its prices. Any change will be notified at least 30 calendar days in advance and will apply from the next billing cycle. If you do not agree, you may cancel your Subscription before the new price takes effect.

08Renewal and cancellation#

8.1 Automatic renewal

Your Subscription renews automatically at the end of each monthly period, and the corresponding amount is charged to your registered payment method. By accepting these Terms you expressly authorize this automatic renewal until you cancel.

8.2 Cancellation

You may cancel your Subscription at any time from your account panel or by sending a request to hello@galdpartners.com. Cancellation takes effect at the end of the current billing period, and you keep access to the Service until then. There are no cancellation penalties.

8.3 Access after the paid period

Once the paid period ends, your account remains in read-only mode for 30 calendar days, during which you can view and export your data. After that, data is deleted in accordance with our retention policy, unless the law requires us to keep it.

09Refund policy#

Without prejudice to any rights granted to you by applicable law, this policy applies, among others, in the following cases:

• Voluntary cancellation of the Subscription before the end of the paid period.
• Not using the Platform during the subscribed period.
• Switching to a lower-priced Product during an active cycle.
• Suspension or termination of the account for breach of these Terms.

Billing errors include, among others, duplicate or unauthorized charges attributable to GALD Partners. Refund requests must be submitted in writing to hello@galdpartners.com, with supporting documentation, within 5 business days after the charge, unless applicable law provides a longer period.

10Acceptable use and prohibited conduct#

When using the Platform, you agree not to engage in any of the following:

• Entering false, fraudulent, or misleading information, or information that does not legitimately belong to you.
• Using the Service for unlawful or fraudulent purposes, or in ways that violate third-party rights.
• Attempting to gain unauthorized access to other accounts, systems, networks, or data.
• Reproducing, copying, modifying, decompiling, reverse engineering, or creating derivative works of the Service.
• Using bots, scrapers, crawlers, or any automated means to extract information.
• Overloading, disrupting, or attacking the Service’s infrastructure through denial-of-service attacks or other methods.
• Introducing viruses, malware, malicious code, or harmful software.
• Reselling, sublicensing, renting, or transferring access to the Service without written authorization.
• Using the Service, including WhatsApp alerts, to send spam, unsolicited communications, or offensive material.
• Impersonating another person or entity.

Breach of any of these obligations is sufficient cause for immediate suspension or termination of your account, without a refund, and without prejudice to any applicable legal action.

11Intellectual property#

11.1 Ownership by GALD Partners

All intellectual and industrial property rights in the Platform —including the software, source code, design, interfaces, brand, logos, methodologies, algorithms, analytical models, editorial content, documentation, and derivative materials— belong exclusively to Grupo Amodio Garza, S.A. de C.V. or its licensors, and are protected by the Mexican Federal Copyright Law, the Federal Law for the Protection of Industrial Property, international treaties, and other applicable laws.

11.2 License to use

Subject to compliance with these Terms and payment of the Subscription, GALD Partners grants you a limited, non-exclusive, non-transferable, revocable, and non-sublicensable license to access and use the Platform solely for the purposes of the Service. This license does not transfer any intellectual property rights of GALD Partners.

11.3 Trademarks

The GALD, GALD Partners, GALD Score, GALD Empresa, and GALD PyME trademarks and associated logos are registered or pending registration with the Mexican Institute of Industrial Property (IMPI). Unauthorized use is prohibited.

12User data#

12.1 Ownership

You retain ownership of all User Content you enter, upload, or generate on the Platform. GALD Partners claims no ownership over your information.

12.2 Limited processing license

By entering data into the Platform, you grant GALD Partners a limited, non-exclusive, royalty-free license to host, process, analyze, and transmit that content solely to provide the Service to you.

12.3 Aggregated and anonymized data

GALD Partners may use aggregated, anonymized, or de-identified data derived from use of the Service for statistical and research purposes, to improve the product, and to build industry benchmarks. This data does not allow you or your Client Company to be identified.

12.4 Processing of personal data

The processing of personal data is governed by our Privacy Notice, which forms an integral part of these Terms.

13Service availability#

We work to keep the Platform available 24 hours a day, 7 days a week, with an internal availability target of 99% per month. This target is not a service-level guarantee. The following fall outside that target:

• Scheduled maintenance, notified at least 48 hours in advance.
• Emergency maintenance to resolve critical issues.
• Interruptions caused by failures of infrastructure, internet, or power providers.
• Force majeure or acts of God.
• Cyberattacks or intrusion attempts not attributable to GALD Partners.

GALD Partners does not guarantee that the Service will be free of errors, interruptions, or vulnerabilities.

14Limitation of liability#

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

• The Service is provided “as is” and “as available”, without implied warranties of merchantability, fitness for a particular purpose, or freedom from errors.
• GALD Partners will not be liable for indirect, incidental, special, consequential, punitive, or exemplary damages, including, among others, loss of profits, revenue, data, business opportunities, reputation, or goodwill.
• GALD Partners will not be liable for business, financial, tax, legal, or investment decisions made on the basis of information provided by the Platform, including AI-generated answers.
• GALD Partners will not be liable for damages caused by third parties, including infrastructure providers, payment services, internet failures, or cyberattacks.
• GALD Partners’ total aggregate liability, for any cause, will not exceed the amount actually paid by the User in the 3 months before the event giving rise to the claim.

15Indemnification#

You agree to indemnify, defend, and hold harmless Grupo Amodio Garza, S.A. de C.V., its shareholders, officers, employees, agents, advisors, and representatives from any claim, demand, damage, loss, liability, cost, or expense (including reasonable attorneys’ fees) arising from:

• Your breach of any provision of these Terms.
• Your improper, unlawful, or negligent use of the Platform.
• The infringement of third-party rights through your Content or conduct.
• The falsity or inaccuracy of the information you provide.
• Business decisions you make based on information from the Platform.

16Termination#

16.1 Termination by the User

You may end your relationship with GALD Partners at any time by cancelling your Subscription under section 8.

16.2 Termination by GALD Partners

GALD Partners may terminate the Service, or suspend or delete your account, immediately, without any liability and without a refund, when:

• You materially breach these Terms.
• You fail to pay the Subscription.
• A competent authority so orders.
• Your use poses a risk to the security or integrity of the Platform.
• It decides to discontinue the Service or a Product, in which case it will give at least 60 days’ notice.

16.3 Effects of termination

Upon termination you will lose access to the Platform, without prejudice to the 30-day read-only period under section 8.3 for exporting your data. Provisions that by their nature should survive —intellectual property, indemnification, limitation of liability, governing law, and jurisdiction— will remain in effect.

17Changes to these Terms#

GALD Partners reserves the right to change these Terms. Material changes will be notified at least 15 calendar days in advance through:

• An email to the address registered on your account.
• A prominent notice when you sign in to the Platform.
• Publication of the new version on this page, stating its version number and date.

Continued use of the Service after the changes take effect means you accept the new Terms. If you do not agree, you must cancel your Subscription before that date.

18Force majeure#

Neither party will be liable for failing to perform its obligations when caused by force majeure or acts of God, including natural disasters, pandemics, acts of authority, wars, cyberattacks, or widespread infrastructure failures, for as long as those causes persist.

19Governing law and jurisdiction#

These Terms are governed by and construed in accordance with the laws of the United Mexican States, including federal law and, on a supplementary basis, the laws of the State of Nuevo León.

Before starting any legal proceedings, the parties agree to seek a good-faith resolution by writing directly to hello@galdpartners.com.

20General provisions#

20.1 Entire agreement

These Terms, together with the Privacy Notice and any referenced policy or annex, constitute the entire agreement between the parties and supersede any prior communication, agreement, or understanding.

20.2 Severability

If any provision of these Terms is held invalid, unlawful, or unenforceable by a competent court, the remaining provisions will remain in full force and effect.

20.3 Waiver

Any failure or delay by GALD Partners in exercising a right under these Terms will not constitute a waiver of that right.

20.4 Assignment

You may not assign, transfer, or delegate your rights or obligations under these Terms without the prior written consent of GALD Partners. GALD Partners may assign its rights and obligations, including to legal successors by merger, spin-off, or acquisition.

20.5 Notices

Formal communications will be made by email: from the User, to hello@galdpartners.com; from GALD Partners, to the email address registered on the account.

20.6 Language

These Terms are published in Spanish and English. The Spanish version is the prevailing legal version; the English version is provided for convenience.

21Contact#

Email

hello@galdpartners.com

Legal name

Grupo Amodio Garza, S.A. de C.V.

Location

San Pedro Garza García, Nuevo León, Mexico