Last updated: November 12, 2026
These Terms govern your use of colomagroup.com and any service you book with COLOMA Group. By using the site or booking a service, you accept them. If you do not agree, please do not use the site.
1. Who we are
The site is operated by COLOMA Group, with domicile at Mérida, Yucatán, México, C.P. 97302 ("COLOMA Group," "we," "us").
2. Information on this site is not advice
Articles, newsletters, guides and other site content are for general information only. They are not legal, tax, financial or investment advice, and reading them does not create a client relationship. Laws in Mexico, the United States, Canada and Latin America change often. Always get advice for your specific situation before acting.
3. Quick questions and AI-assisted replies
Our "Ask a quick question" service gives short, general first answers. Answers are generated instantly by the COLOMA AI Advisor, an artificial intelligence tool built on our methods, and are not individually reviewed by a person before they are shown. A quick answer is a starting point, not a formal opinion, and it creates no client relationship. For advice you can rely on, book a consultation. Please do not send confidential documents or sensitive personal data through the quick-question form.
4. Client engagements
A client relationship starts only when we both sign an engagement letter or accept a written proposal. That document sets the scope, fees and deliverables. If it conflicts with these Terms, the engagement letter prevails.
5. Your responsibilities
You agree to give accurate information, use the site lawfully, and not try to disrupt it, copy it at scale, or access areas you are not authorized to use.
6. Bookings and payments
Consultations and services are confirmed once scheduled and, where required, paid. Prices are shown before you pay. Payments are processed by third-party providers under their own terms.
7. Refunds, cancellations and no-shows
- Digital products and online guides: delivered at the time of purchase. All sales are final and non-refundable.
- Scheduled services: if you cancel at least 24 hours before the appointment, you may request a refund, which is subject to our review and approval. Cancellations made less than 24 hours before are not eligible.
- Rescheduling: you may ask to reschedule at least 24 hours in advance, subject to availability.
- No-shows: no refund for missed appointments, no-shows, or cancellations after a service has started.
- Confirmed services: once confirmed and scheduled, services are final sale. Refunds are granted only at our sole discretion in exceptional circumstances.
- Processing: approved refunds go to the original payment method unless we agree otherwise in writing.
Nothing in this section limits any right you have under applicable consumer protection law that cannot be waived. For Executive Diagnostic Dossiers, section 8 applies.
8. Executive Diagnostic Dossiers
- Nature of the service. A dossier is executive risk intelligence built from official public sources and the documents you provide. It is not legal, tax or investment advice, it is not a legal opinion, and it does not create an attorney-client relationship.
- Price and payment. The fee is fixed, in USD, and shown before you pay. Payment is by card through Stripe or by bank transfer against an invoice. Applicable taxes are added as required by law. A CFDI is issued on request.
- The 72-business-hour clock. Business hours run Monday to Friday on Mexican business days, Mérida time. The clock starts once payment has cleared and the intake form is complete with the mandatory documents. If information is missing, the clock pauses until we receive it.
- Scope. Each dossier covers what its page describes, for a single entity, supplier, site or property. Each additional item is ordered as an Expansion Pack. If new questions or facts come to light during the work that go beyond the original scope, we tell you before continuing and agree the adjustment with you, either an Expansion Pack or a new delivery date.
- Sources. We rely on public registries being available and accurate. If a registry certificate takes longer than our clock, we deliver with the online registry check and mark the certificate as pending. Each finding reflects the date it was retrieved, and no search is guaranteed to be exhaustive.
- Mutual NDA. By paying, both parties agree to keep the client's information and the findings confidential and to use them only for this engagement, except where the law requires disclosure. This obligation lasts three (3) years from delivery.
- Right to decline. We may decline an engagement before the clock starts, for example because of a conflict of interest, a sanctioned counterparty or an unlawful purpose. In that case we refund 100% of the fee.
- Refunds and corrections. If you cancel before the clock starts, you receive a full refund. Once the clock has started, the fee is non-refundable. Each dossier includes one round of factual corrections within 5 business days of delivery.
- Deployment credit. 100% of the fee is credited against an on-site deployment signed within 30 calendar days of delivery. The credit is non-transferable, has no cash value and applies once per dossier.
- Use of the deliverable. The dossier is for the internal use of the client and its advisors, provided they are bound by confidentiality. It may not be published or presented to third parties as an opinion of COLOMA Group without our written consent.
- Liability. Our total liability for a dossier is limited to the fee paid for that dossier and excludes indirect or consequential damages. Decisions you make based on the dossier are your own.
- Personal data. We process personal data under our Privacy Notice. The client confirms it has a lawful basis to ask us to search the individuals it names.
9. Intellectual property
The COLOMA Group name, logo, content, frameworks and design belong to us or our licensors. You may share links and short quotes with credit. Any other copying, republishing or commercial use needs our written permission.
10. Third-party links and partners
The site may link to other websites or refer you to independent professionals, such as local counsel, notaries, inspectors or property managers. They are responsible for their own services and content. We vet partners carefully but are not liable for their work unless a written agreement says otherwise.
11. Limitation of liability
To the fullest extent the law allows, we are not liable for indirect, incidental or consequential losses arising from the use of this site or its content. For any engagement, our total liability is limited to the fees you paid us for that engagement in the 12 months before the claim, unless the engagement letter says otherwise.
12. Privacy
Our Privacy Policy explains how we handle personal data and forms part of these Terms.
13. Governing law and disputes
These Terms are governed by the federal laws of Mexico and the laws of the State of Yucatán. The parties will first try to resolve any dispute in good faith within 30 days. If that fails, the dispute goes to the competent courts of Mérida, Yucatán, unless an engagement letter provides for arbitration.
14. Changes
We may update these Terms. The current version, with its date, is always on this page. Continuing to use the site after a change means you accept it.
15. Contact
COLOMA Group · support@colomagroup.com · +52 (999) 568-3058