1. Definitions
These Terms and Conditions govern access to, browsing and use of, and the purchase of courses, educational programs, and other products or services offered through https://msklatam.com and MSK's digital platforms.
For purposes of this document:
- MSK or MSK Group: MSK – Medical & Scientific Knowledge and the entities forming its corporate structure.
- User: any person accessing, browsing, or interacting with the Website or digital services.
- Customer: the individual or legal entity purchasing a course or service and in whose name it is invoiced.
- Student: the individual authorized to access purchased educational content.
- Course: any course, academic program, or training activity offered by MSK.
- Campus: the digital platform through which educational content and services are provided.
- Certificate: a document issued by MSK or a related institution certifying fulfillment of a program's requirements.
- Website: the official MSK website, including its sections, functions, and related digital services.
- Third Party: any individual or legal entity other than a member of the MSK Group.
2. Provider identification and territorial scope
MSK is a group of companies specializing in academic and professional training, primarily in medical, healthcare, and scientific fields. The holding company's headquarters are in Uruguay.
Genatos S.A., the entity identified in the Group's corporate documentation, is located at 25 de Mayo 555, office 314, postal code 11100, Montevideo, Uruguay, RUT 219231840016.
Educational services are marketed through the entities responsible for the respective operating markets. These Terms and Conditions provide a general contractual framework for MSK operations in Argentina, Bolivia, Chile, Colombia, Costa Rica, Ecuador, El Salvador, Guatemala, Honduras, Mexico, Nicaragua, Panama, Paraguay, Peru, Uruguay, and Venezuela.
The entity responsible for each transaction will be identified during checkout, in contractual documentation, or on the relevant invoice. Mandatory rights and safeguards under each country's legislation remain unaffected.
3. Acceptance of the Terms and Conditions
Accessing and using the Website entails awareness of the general terms of use that apply. Purchasing courses or services requires acceptance of these Terms and Conditions through the mechanisms provided at checkout.
MSK may retain evidence of acceptance, including its date, the contractual version, and other information needed to demonstrate the transaction.
Acceptance does not automatically constitute consent to optional personal-data processing, marketing communications, profiling, or non-essential cookies. These authorizations are governed by the specific mechanisms established in MSK's Personal Data Protection and Processing Policy and Cookie Policy.
4. Website access and use
Access to the Website is generally free, except for features, courses, or services requiring registration, a purchase, or payment. Users undertake to use the services lawfully and diligently and to respect the rights of MSK and third parties.
The following are prohibited: (a) using the Website for unlawful or fraudulent activities; (b) attempting unauthorized access to systems, accounts, or other users' information; (c) introducing malware or endangering service security; (d) reproducing or distributing protected content without authorization; (e) using automated tools that disrupt the Website, unless expressly authorized; and (f) impersonating other users or deliberately providing false information.
MSK may take proportionate measures to prevent misuse, respecting users' rights and applicable laws. Services are intended primarily for adults and professionals. Purchases by minors or persons requiring representation are subject to the applicable legal requirements.
5. Service availability and security
MSK will adopt appropriate technical and organizational measures to support the operation, security, and availability of digital services. Nevertheless, platforms may experience temporary interruptions due to maintenance, technological updates, connectivity incidents, supplier failures, or circumstances outside MSK's reasonable control.
The Company will seek to restore services as soon as reasonably possible. If an interruption substantially affects access to purchased services, MSK will adopt the corrective or compensatory measures required by the contract and applicable law.
Users must protect their devices, credentials, and access methods. MSK will protect personal data in accordance with its Personal Data Protection and Processing Policy.
6. Course information
MSK's courses and educational programs are mainly delivered online. Information available on the Website for each course will include, as applicable: its name and description; intended audience and admission requirements; objectives and academic content; delivery method and duration; access conditions; teaching method and assessment; type of certificate; price, discounts, and payment methods; and other relevant specific terms.
Information published at the time of purchase forms part of the terms of the purchased service. MSK may update academic content to maintain its relevance and quality, seeking not to materially alter essential characteristics. Where a modification significantly affects the original conditions, the Customer's or Student's applicable rights will be respected.
7. Promotions, discounts, and free trials
MSK may offer promotions, discounts, coupons, benefits, and free or trial access periods. These are subject to the expressly disclosed conditions, restrictions, and deadlines. Unless otherwise stated, promotional benefits cannot be combined.
Free or trial access to courses, content, or features may be subject to specified duration, scope, and availability. Where a trial is linked to a subsequent purchase, subscription, or automatic charge, users will be informed in advance of the price, first billing date, billing frequency, and cancellation procedure.
The end of a free trial does not automatically create a payment obligation unless the user has expressly accepted the relevant conditions and applicable legal requirements are met. Trials and promotions may change for new purchases without affecting benefits already lawfully acquired.
8. Purchasing process
Courses and services may be purchased on the Website, through sales platforms, or through MSK's authorized commercial channels. Customers may select their products and review the relevant financial and contractual terms.
Before completing a purchase, MSK will disclose, as applicable: (a) the course or service; (b) final price and transaction currency; (c) applicable taxes, fees, and financing terms; (d) available payment methods; (e) access terms and service duration; (f) the entity responsible for the transaction; and (g) these Terms and Conditions and corresponding legal notices.
Purchases are subject to transaction and payment-method validation under the disclosed conditions. MSK will send confirmation to the Customer's contact details with the information needed to access the purchased service. Contractual records may be retained in accordance with the Personal Data Protection and Processing Policy and applicable legal requirements.
9. Payment methods and invoicing
Courses may be paid for using the methods offered by MSK in each country. Availability of cards, bank transfers, payment gateways, financing, or installment plans varies by market and purchased product.
Where financing or installments are offered, MSK will disclose the financial terms in advance, including amounts, due dates, interest, fees, and all other legally required costs. Payments may be processed by specialized providers subject to applicable security and contractual conditions.
Invoices will be issued by the marketing entity responsible for the country of purchase, according to MSK's operations and applicable law. MSK may implement verification and fraud-prevention measures and temporarily suspend transactions where reasonable indications of irregularity exist.
10. Right of withdrawal, cancellations, and refunds
10.1. Right of withdrawal
Customers may exercise rights of withdrawal, revocation, rescission, or cancellation of purchases of courses and educational services in accordance with the laws in force in the country applicable to the transaction.
10.2. Time limits and conditions
The deadlines, requirements, procedures, and exceptions for exercising such rights will be exclusively those established by the applicable rules in each jurisdiction. MSK will comply with the relevant legislation, including provisions on electronic contracting, digital services, and consumer protection.
10.3. Request procedure
To exercise these rights, Customers may contact MSK through official support channels, identifying the purchase, the course, and the reason for the request where legally required. MSK will process requests under the applicable legal procedures and time limits.
10.4. Refunds
Where a refund is due, it will be made in accordance with the time limits, conditions, and methods established by the laws of the country applicable to the transaction. Whenever possible and legally appropriate, funds will be returned through the original payment method.
10.5. Consumer rights
Nothing in these Terms and Conditions limits, excludes, or constitutes a waiver of non-waivable consumer rights recognized by applicable law. Individual purchase conditions will be interpreted and applied in compliance with mandatory consumer-protection provisions.
11. Payment obligations and late payments
Customers undertake to pay for purchased courses and services under the accepted terms. Voluntary discontinuation of a course does not automatically extinguish lawfully assumed payment obligations, without prejudice to any statutory rights of cancellation, withdrawal, or termination.
Where payment is overdue, MSK may notify Customers and request that they remedy the situation. Where contractually and legally permitted, MSK may temporarily suspend access to specified services until the account is brought up to date.
Interest, late-payment charges, acceleration of installments, and other financial consequences are subject to applicable law and the conditions disclosed and accepted at purchase. MSK will not impose interest or penalties above statutory limits.
12. Campus access and course delivery
Campus access is personal and non-transferable unless specific product terms provide otherwise. Students must keep their credentials confidential and report any unauthorized access of which they become aware.
MSK may use authentication, identity verification, and security measures to safeguard accounts and services. Available content, materials, assessments, and features depend on the purchased course.
Access duration will be stated in the offer and confirmed at purchase. Unless specific conditions provide otherwise, access lasts one (1) year from activation. After the contracted period expires, access may end under the service terms, without prejudice to Students' statutory rights. Courses are taught in Spanish unless expressly stated otherwise.
13. Academic monitoring and assessment
MSK may record Students' academic activity to manage educational-service delivery. Such records may include Campus access, started courses, viewed modules, progress, activities, assessments, grades, program completion, and certificate issuance.
Processing will follow the legal bases and purposes set out in the Personal Data Protection and Processing Policy. Academic monitoring necessary for service delivery is distinct from optional educational profiling. Where personal data is used for individualized recommendations or personalized learning experiences that require consent, it will be requested separately.
Refusing optional consent does not prevent access to purchased courses or essential educational features. Assessment and passing requirements are those published for each course. Students may seek information about or review of academic results through authorized channels under the relevant procedures.
14. Certificates and accreditations
Courses may award certificates issued by MSK or associated academic, scientific, or other institutions. Each course description will specify the certificate's characteristics, requirements, and issuing body where applicable.
Students must satisfy lawfully established academic, administrative, and financial requirements. MSK may request documentation to verify enrollment or professional credentials when necessary. Certificates may be digital or physical depending on the course, and issuance periods and procedures will be those disclosed for each program.
Unless expressly and verifiably stated otherwise, completing an MSK course or obtaining a certificate does not constitute a license or qualifying professional degree and does not, of itself, authorize practice of a regulated profession or specialty. Official, university, professional, or institutional recognition depends on the expressly disclosed characteristics and applicable regulations.
15. Academic nature of the content
MSK courses and materials serve educational, informational, and professional-development purposes. Content concerning medicine, health sciences, treatments, procedures, or clinical techniques does not replace professional judgment, individual patient evaluation, or healthcare practitioners' obligations.
Practical application of acquired knowledge must comply with relevant laws, protocols, scientific standards, and professional requirements. MSK will seek to maintain the quality and currency of academic content, recognizing that scientific knowledge continually evolves. Liability arising from professional application of content is determined by the circumstances and applicable law.
16. Intellectual property and content use
Courses, audiovisual materials, documents, text, images, designs, trademarks, educational resources, and other Website and Campus content are protected by the intellectual and industrial property rights of MSK or their respective owners.
Purchasing a course grants the Student a limited, personal, non-exclusive, non-transferable right to access and use the content for the purchased period. Unless expressly authorized, reproduction, distribution, commercialization, public communication, modification, or exploitation of materials for purposes beyond authorized educational use is prohibited.
Downloading or printing is allowed only where Campus features or course conditions permit. Improper content use may result in appropriate contractual or legal action. User-posted content must comply with third-party rights, applicable law, and service rules.
17. Personal-data protection and cookies
MSK will process personal data in accordance with its Personal Data Protection and Processing Policy for operations in the 16 Latin American countries within its territorial scope. Among other matters, that policy governs processing purposes, academic and commercial information, legal bases, profiling, artificial intelligence tools, retention, anonymization, and international data transfers.
The general maximum personal-data retention period is ten (10) years, or a shorter period imposed by applicable local law, without prejudice to legal obligations requiring longer retention. MSK's main server infrastructure is hosted in Brazil; additional processing by external technology providers may take place subject to relevant legal safeguards.
Cookies and similar technologies are governed by MSK's Cookie Policy, which describes their purposes, categories, settings, and consent mechanisms. Acceptance of these Terms and Conditions does not constitute blanket consent to advertising, optional profiling, or cookies requiring consent.
Individuals may exercise their rights under applicable law by emailing privacidad@msklatam.com. This address is for personal-data matters and does not replace commercial or student-support channels.
18. Contact, support, and changes
Users, Customers, and Students can contact MSK through:
- Student Support: departamentoalumnos@msklatam.com
- Help Center: https://ayuda.msklatam.com/portal/es/home
- Privacy and data protection: privacidad@msklatam.com
Support hours and specific service conditions are published through official channels.
MSK may change its services, features, and content and update these Terms and Conditions to reflect legal, operational, or technological changes. New versions will be posted on the Website. Where changes substantially affect existing contracts, MSK will notify affected Customers or Students and respect their contractual and legal rights. Changes will not retroactively prejudice lawfully acquired rights except where permitted by law.
19. Governing law, consumer protection, and dispute resolution
These Terms and Conditions constitute a general contractual framework for MSK operations across multiple Latin American jurisdictions. Their interpretation and application respect the mandatory laws of the country applicable to each transaction, including consumer protection, electronic commerce, distance contracting, and other relevant legislation.
Where the law permits contractual agreements, the conditions accepted at purchase and the entity responsible for the transaction will be taken into account.
Customers and Students may submit complaints through MSK's official support channels, identifying the transaction and describing the grounds of the request. MSK will seek to resolve disputes directly within legally applicable deadlines.
Customers and Students always retain the right to approach the competent administrative, consumer-protection, or judicial authorities. Nothing in these Terms and Conditions waives non-waivable rights, statutory guarantees, or legally recognized complaint mechanisms.
- Website: https://msklatam.com
- Student Support: departamentoalumnos@msklatam.com
- Data Protection: privacidad@msklatam.com
MSK – Medical & Scientific Knowledge