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Financial disclaimer

Last updated: October 29, 2026

This English version is a courtesy translation. If anything differs, the Spanish original prevails.

In short

We explain and compare financial products, but we are not your advisor. Verify the conditions at the official source and, if you have doubts, consult a professional before you decide.

Financial education. We are not a financial institution and we don't give personalized advice. In Paraguay, a "financiera" is an entity regulated by the Central Bank of Paraguay (BCP): FinanciaMente is not one.

Educational content, not advice

The information from FinanciaMente on the website, YouTube, TikTok, Instagram and the newsletter is for educational and informational purposes. It is not financial, investment, tax, accounting or legal advice, nor a personalized recommendation to buy, sell or sign up for a product.

FinanciaMente is not a bank, a finance company, a cooperative, a brokerage firm or an investment advisor registered with the BCP or its Securities Superintendence. We don't take in or manage anyone's money.

Rates and data

  • Rates are shown as nominal annual rates before taxes, unless stated otherwise.
  • They come from public sources (official sites, the BCP, media and comparison sites) on the date shown on each page.
  • They can change at any time and may have balance caps, minimum purchases, subscriptions or lock-up periods.
  • They may contain errors. If you spot one, write to us from the Contact form.

Risks

  • Investing: investing in stocks, bonds, ETFs, funds, cryptocurrencies or CFDs carries the risk of losing part or all of your capital. CFDs are complex, leveraged instruments.
  • Past performance does not guarantee future results.
  • Savings protection: in Paraguay, deposits in banks and finance companies supervised by the BCP are covered by the Deposit Guarantee Fund (FGD) up to a limit per person and per institution. Contributions to cooperatives, e-wallet balances and investments don't have that coverage. Verify each institution's legal status and the amount protected.
  • Taxes: interest and returns may be subject to Paraguay's Personal Income Tax (IRP) or other taxes depending on your country.

Calculators and spreadsheets

Results are estimates with simple assumptions: simple interest on the amount deposited, constant inflation, no taxes or fees. They are useful for comparing scenarios, not for predicting real results.

Relationship with brands

FinanciaMente is independent. Today no institution pays us to appear. If we ever receive commissions for referrals, we'll say so (see Advertising and transparency) and it won't change the order of our comparisons, which is based on the published numbers.

Your responsibility

Before signing up for any product, read its conditions, check that it is regulated and assess whether it fits your situation. The decisions you make are your responsibility.