Terms of Use

Last updated: January 17, 2026

1. Acceptance of Terms

Welcome to Mapaactual. By accessing and using this website, you agree to comply with these Terms of Use and all applicable laws and regulations. If you disagree with any of these terms, you should not use this site.

We reserve the right to modify these terms at any time. Your continued use of the site after changes constitutes your acceptance of the modified terms.

2. Service Description

Mapaactual is an informational portal that provides comparisons of mortgage programs offered by various banking institutions in Guatemala. Our services include:

  • Comparison tables of interest rates, terms, and mortgage conditions
  • General information about home financing processes
  • Estimative tools for basic mortgage calculations
  • Educational resources about mortgages and real estate financing

Important: Mapaactual is NOT a financial institution nor a credit intermediary. We do not grant loans nor guarantee approval of mortgage applications.

3. Permitted Use

You may use this website only for lawful purposes and in accordance with these Terms. Specifically, you agree NOT to:

  • Use the site in a way that violates local, national, or international laws or regulations
  • Transmit unsolicited or unauthorized advertising material
  • Impersonate another person or entity
  • Attempt to gain unauthorized access to any part of the site
  • Collect user information without their consent
  • Use robots, scripts, or automated tools to access the site
  • Interfere with the proper functioning of the site

4. Information and Accuracy

4.1 Informational Nature

Information provided on Mapaactual is for informational and educational purposes. While we make reasonable efforts to maintain accurate and up-to-date information:

  • Rates, terms, and conditions may change without prior notice
  • Information may not reflect banks' most recent offers
  • Estimative calculations are approximations and do not represent official quotes

4.2 Does Not Constitute Financial Advice

This site's content does not constitute professional financial, legal, or tax advice. Before making important financial decisions, you should:

  • Consult directly with banking institutions
  • Seek advice from qualified professionals
  • Verify all information independently
  • Review complete terms and conditions with each bank

5. Limitation of Liability

To the maximum extent permitted by law:

  • Mapaactual will not be liable for financial decisions made based on site information
  • We do not guarantee approval of mortgage applications
  • We are not responsible for changes in bank rates or terms
  • We assume no responsibility for errors or omissions in content
  • We are not responsible for service interruptions or data loss
  • We are not liable for content of linked third-party websites

Use of this site is at your own risk. The site is provided "as is" without warranties of any kind.

6. Third-Party Links

Our site may contain links to banking institutions' websites and other third parties. These links are provided for your convenience only:

  • We have no control over third-party site content
  • We do not endorse or assume responsibility for their content
  • Use of linked sites is subject to their own terms and policies
  • We recommend reviewing third-party sites' terms and privacy policies

7. Intellectual Property

7.1 Site Content

All site content, including text, graphics, logos, images, design, and software, is property of Mapaactual or its licensors and is protected by intellectual property laws.

7.2 Limited Use

You are granted a limited license to:

  • View and use the site for personal non-commercial purposes
  • Print individual pages for personal use

You may NOT:

  • Reproduce, distribute, or modify content without authorization
  • Use content for commercial purposes
  • Remove copyright or trademark notices

8. Privacy and Data Protection

Your use of the site is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information.

By using the site, you consent to the collection and use of information as described in our Privacy Policy.

9. Cookies

We use cookies to improve your site experience. For detailed information about our use of cookies, see our Cookie Policy.

10. Termination

We reserve the right to:

  • Suspend or terminate your site access at any time
  • Remove content that violates these terms
  • Take appropriate legal action for violations

Provisions that by their nature should survive termination will continue in effect.

11. Indemnification

You agree to indemnify and hold harmless Mapaactual, its directors, employees, and affiliates from any claim, loss, liability, damage, or expense (including reasonable legal fees) arising from:

  • Your use of the site
  • Your violation of these Terms
  • Your violation of third-party rights
  • Any content you provide

12. Applicable Law and Jurisdiction

These Terms of Use are governed by the laws of Guatemala. Any dispute related to these terms or use of the site will be subject to the exclusive jurisdiction of the competent courts of Guatemala.

13. Severability

If any provision of these Terms is deemed invalid or unenforceable, that provision will be removed or limited to the minimum extent necessary, and the remaining provisions will remain in full force.

14. Waiver

Our failure to exercise or enforce any right or provision of these Terms does not constitute a waiver of such right or provision.

15. Entire Agreement

These Terms of Use, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Mapaactual regarding use of the site.

16. Contact

If you have questions about these Terms of Use, contact us: