Tu Gerente Financiero S.A.S. — Legal and Regulatory Notice
Last updated: July 2026
1. Legal nature
| Field | Details |
|---|---|
| Legal name | Tu Gerente Financiero S.A.S. |
| Corporate type | Sociedad por Acciones Simplificada (SAS) |
| NIT | Pending registration |
| Domicile | Bogota D.C., Colombia |
| Corporate email | legal@tugerentefinanciero.app |
Important notice
Tu Gerente Financiero S.A.S. is NOT a supervised entity by the Superintendencia Financiera de Colombia (SFC). It does not take deposits from the public nor engage in financial intermediation. TGF operates as a credit origination platform, connecting applicants with authorized funding partners.
2. Business activity
TGF operates as a technology-based credit origination platform under the white-label model with external funding partners. Its activity consists of:
- Receiving and evaluating loan applications from natural persons.
- Applying internal scoring models and credit bureau inquiries.
- Structuring loans with conditions within the legal limits.
- Connecting the applicant with authorized funding partners that provide the resources.
- Managing the loan portfolio and handling collections.
The resources for loan disbursement come exclusively from funding partners — investment funds, financial institutions, or special purpose vehicles authorized in each jurisdiction.
3. Regulators by country
| Country | Regulator | Website |
|---|---|---|
| Colombia | Superintendencia Financiera de Colombia (SFC) | www.sfc.gov.co |
| Peru | Superintendencia de Banca, Seguros y AFP (SBS) | www.sbs.gob.pe |
| Ecuador | Superintendencia de Economia Popular y Solidaria (SEPS) | www.seps.gob.ec |
| Panama | Superintendencia de Bancos de Panama (SBP) | www.superbancos.gob.pa |
Although TGF is not directly supervised by these regulators, it voluntarily complies with the prudential standards applicable to credit origination in each jurisdiction.
4. Consumer Ombudsman
| Field | Details |
|---|---|
| Name | To be appointed |
| defensor@tgf.com | |
| Phone | +57 (1) 000-0000 |
| Hours | Monday to Friday, 8:00 AM — 5:00 PM (Colombia time) |
The Consumer Ombudsman (Defensor del Consumidor) is an independent channel for the resolution of disputes between TGF and its clients. You may file your complaint directly or through the SAC channel.
5. Consumer Service System (SAC)
| Channel | Details |
|---|---|
| PQR email | sac@tgf.com |
| Phone | +57 (1) 000-0000 |
| Mobile app | Chat section > Support |
| Response time | Maximum 15 business days from receipt |
If you do not receive a satisfactory response, you may escalate your case to:
- The TGF Consumer Ombudsman (Defensor del Consumidor).
- Superintendencia Financiera de Colombia (www.sfc.gov.co).
- Superintendencia de Industria y Comercio for data protection matters (www.sic.gov.co).
6. Applicable regulatory framework — Colombia
| Regulation | Description |
|---|---|
| Ley 1328 de 2009 | Financial consumer protection |
| Circular 042 de 2012 SFC | Consumer information requirements |
| Circular 029 de 2014 SFC (CBJ) | Applicable prudential standards |
| Circular 022 de 2007 SFC | SARLAFT — Anti-money laundering prevention |
| Ley 1581 de 2012 | Personal data protection |
| Ley 1266 de 2008 | Financial data subject rights (Habeas Data) |
| Ley 1555 de 2012 | Loan prepayment without penalty |
| Decreto 663 de 1993 | Estatuto Organico del Sistema Financiero |
7. Contact
| Channel | Details |
|---|---|
| Legal email | legal@tugerentefinanciero.app |
| Privacy email | privacidad@tugerentefinanciero.app |
| PQR email | sac@tgf.com |
| Consumer ombudsman | defensor@tgf.com |