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Política de Pago y Cancelaciones

Efectivo 1 de marzo de 2017

NEW Pagos

Toda persona deberá realizar el pago diez (10) días laborables con antelación al día del adiestramiento solicitado. El pago puede ser en cheque, efectivo o tarjeta de crédito. Para realizarlo mediante tarjeta de crédito, la persona firmará la hoja “Garantía con Tarjeta de Crédito” autorizando a Asesores Financieros Comunitarios (AFC) a realizar el cargo correspondiente a la tarjeta de crédito. De no recibirse el pago del adiestramiento en el plazo establecido, AFC no se compromete a reservar el espacio.

NEW Cancelaciones

Para cancelaciones de adiestramientos ya pagados, la persona recibirá un crédito que será válido para utilizarlo dentro de un periodo no mayor de 12 meses de la fecha de su emisión. El crédito se hará por la cantidad pagada, menos un cargo administrativo de $15.00. No se realizará devolución en efectivo de cualquier pago que se haya recibido. En caso de que la persona matriculada para el adiestramiento no pueda asistir al mismo, tendrá derecho a enviar un sustituto. Si el participante o su sustituto no se presenta el día del taller (“no show”) pierde la totalidad de la matrícula pagada. El participante sustituto deberá ser coordinado con AFC de manera que nos aseguremos que cumple el perfil del participante para el adiestramiento escogido. No se aceptarán cancelaciones 3 días laborables antes del adiestramiento.

Participantes que se registren en un Taller representando una Organización Sin Fines de Lucro, auspiciado por algún inversionista social, y no se presenten el día del Adiestramiento (“no show”), tendrá un cargo administrativo de $25.00 en Talleres de medio día y $50.00 en Talleres de día completo. No se aceptarán cancelaciones 3 días laborables antes del adiestramiento.


Cargos Administrativos Taller medio día Taller día completo

Individuo que viene en su carácter personal o representando una OSFL que paga directamente a AFC y cancela.


Individuo que viene representando una OSFL cuya matrícula es auspiciada por algún inversionista social.

$25.00 $50.00

Cualquier participante que adeude cargos administrativos, deberá pagarlo antes de matricularse en cualquier Adiestramiento ofrecido por AFC.

AFC se reserva el derecho de sustituir instructores de los adiestramientos coordinados; en estos casos, no se otorga crédito ni se devuelve dinero a los participantes que hayan pagado el adiestramiento.

De igual manera, nos reservamos el derecho de suspender un taller debido a matrícula insuficiente u otras causas ajenas a nuestro control. En estos casos, se le otorgará un crédito al participante que ya haya realizado su pago.

Web Site Terms and Conditions of Use


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Use License:

Permission is granted to temporarily download one copy of the materials (information or software) Asesores Financieros Comunitarios's web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not: modify or copy the materials; use the materials for any commercial purpose, or for any public display (commercial or non-commercial); attempt to decompile or reverse engineer any software contained on Asesores Financieros Comunitarios's web site; remove any copyright or other proprietary notations from the materials; or transfer the materials to another person or "mirror" the materials on any other server. This license shall automatically terminate if you violate any of these restrictions and may be terminated by Asesores Financieros Comunitarios at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.


The materials on Asesores Financieros Comunitarios's web site are provided "as is". Asesores Financieros Comunitarios makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Asesores Financieros Comunitarios does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.


In no event Asesores Financieros Comunitarios or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on Asesores Financieros Comunitarios's Internet site, even if Asesores Financieros Comunitarios or a Asesores Financieros Comunitarios authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

Revisions and Errata:

The materials appearing on Asesores Financieros Comunitarios's web site could include technical, typographical, or photographic errors. Asesores Financieros Comunitarios does not warrant that any of the materials on its web site are accurate, complete, or current. Asesores Financieros Comunitarios may make changes to the materials contained on its web site at any time without notice. Asesores Financieros Comunitarios does not, however, make any commitment to update the materials.


Asesores Financieros Comunitarios has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Asesores Financieros Comunitarios of the site. Use of any such linked web site is at the user's own risk.

Site Terms of Use Modifications:

Asesores Financieros Comunitarios may revise these terms of use for its web site at any time without notice. By using this web site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.

Governing Law:

Any claim relating to Asesores Financieros Comunitarios 's web site shall be governed by the laws of the State of San Juan, Puerto Rico without regard to its conflict of law provisions.

General Terms and Conditions applicable to Use of a Web Site

Privacy Policy

Your privacy is very important to us. Accordingly, we have developed this Policy in order for you to understand how we collect, use, communicate and disclose and make use of personal information. The following outlines our privacy policy. Information gathered when making a donation or pledge: To make a donation through the site, you may need to provide certain other information relevant to how you choose to contribute in order to complete your pledge/gift transaction. (e.g. If you choose to give by credit card, you will be prompted to provide information such as your credit card number.)

Information gathered through traffic monitoring: Like many other Web sites, this site is equipped with a program that monitors traffic by automatically recording every visitor's host and/or IP address. This program tracks the number of times the site is hit, how many visitors come to the site, and which parts of the site they frequent. Asesores Financieros Comunitarios does not disclose this information to anyone outside of the organization, thus do not share donors personal information. Our Web site logs are not personally identifiable, and we make no attempt to link them with the individuals that actually browse the site.

Before or at the time of collecting personal information, we will identify the purposes for which information is being collected.

We will collect and use of personal information solely with the objective of fulfilling those purposes specified by us and for other compatible purposes, unless we obtain the consent of the individual concerned or as required by law.

We will only retain personal information as long as necessary for the fulfillment of those purposes.

We will collect personal information by lawful and fair means and, where appropriate, with the knowledge or consent of the individual concerned.

Personal data should be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up-to-date.

We will protect personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification.

We will make readily available to customers information about our policies and practices relating to the management of personal information.

We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained.