Terms of Use

Daily Wealth Step is an educational information website. Its purpose is to provide general educational content about financial topics relevant to salaried workers in Ecuador, including explanations of pay slip components, mandatory deductions under Ecuadorian labor law, and general budgeting concepts.

All content published on this website is informational and educational in nature. Nothing on this website constitutes financial advice, legal advice, tax advice, or any other form of professional advisory service. The content is designed to explain concepts and provide general information, not to address the specific circumstances of any individual user.

Users who require advice specific to their individual financial, legal, or tax situation should consult a qualified professional licensed to provide such services in Ecuador.

All content on this website, including but not limited to text, graphics, logos, icons, images, and the overall design and arrangement of the website, is the property of Daily Wealth Step or its content creators and is protected by applicable intellectual property laws.

You may access and read the content on this website for personal, non-commercial educational purposes. You may not reproduce, distribute, modify, create derivative works from, publicly display, or otherwise exploit any content from this website without prior written permission from Daily Wealth Step.

Linking to pages on this website from external websites is permitted provided the link does not misrepresent the nature, affiliation, or content of this website.

We make reasonable efforts to ensure that the information published on this website is accurate and current at the time of publication. Ecuadorian labor law, tax regulations, and IESS contribution rates are subject to change by the relevant authorities. We review and update our content periodically, but we cannot guarantee that all information reflects the most recent regulatory changes at any given moment.

Users are encouraged to verify important information against official sources, including the Ministerio del Trabajo, the Servicio de Rentas Internas (SRI), and the Instituto Ecuatoriano de Seguridad Social (IESS), particularly when making decisions that may have legal or financial consequences.

Daily Wealth Step provides this website and its content on an "as is" and "as available" basis. To the fullest extent permitted by applicable law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

Daily Wealth Step shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of or inability to use this website or its content, including but not limited to decisions made based on information found on this website.

This limitation applies regardless of whether the claim is based on contract, tort, strict liability, or any other legal theory, even if Daily Wealth Step has been advised of the possibility of such damages.

When using this website, you agree not to:

• Use the website in any way that violates applicable local, national, or international laws or regulations
• Attempt to gain unauthorized access to any part of the website or its underlying systems
• Transmit any unsolicited or unauthorized advertising, promotional material, or spam
• Use automated tools to scrape, crawl, or extract content from the website in bulk without permission
• Introduce viruses, malware, or other harmful code through the website
• Impersonate Daily Wealth Step or any member of our team

We reserve the right to restrict access to the website for users who violate these conditions.

This website may contain links to external websites operated by third parties, such as official government portals or regulatory bodies. These links are provided for informational convenience only. Daily Wealth Step does not control, endorse, or take responsibility for the content, privacy practices, or availability of any external websites.

Accessing external websites through links on this site is done at your own risk. We recommend reviewing the terms and privacy policies of any external website you visit.

These Terms of Use are governed by and construed in accordance with the laws of Ecuador, including the Código Civil, the Ley de Comercio Electrónico, Firmas y Mensajes de Datos, and other applicable Ecuadorian legislation.

Any disputes arising from or related to these terms or your use of this website shall be subject to the exclusive jurisdiction of the competent courts of Ecuador. You agree to submit to the personal jurisdiction of such courts for the purpose of resolving any such disputes.

Daily Wealth Step reserves the right to modify these Terms of Use at any time. Changes will be effective upon publication on this page with an updated "Last Updated" date. Your continued use of the website after any changes constitutes acceptance of the revised terms.

We encourage you to review these terms periodically. If you have questions about any aspect of these terms, please contact us at info@daily-wealth-step.com.