Terms and conditions of use

Mexico

Version 2.0
Effective as of March 15, 2026

Please read this document carefully and thoroughly. If you have any questions regarding its content, we invite you to contact us at the email address indicated in clause 2 (Our Information) before using the Platform.

Your consent to these terms and conditions is expressed through (i) the creation of an account as a User, (ii) the sending of Money, Bitcoin, or Virtual Assets to our accounts or Wallets; or (iii) the electronic acceptance of these terms and conditions, whichever occurs first. We ask that you DO NOT accept these terms and conditions or make use of the Platform if you do not understand or do not agree with any of the following provisions.

1. Important Notices

Aureo is a platform that facilitates various services related to Bitcoin and Virtual Assets, including (but not limited to) buy and sell services, as described in clause 6 of this document.
Aureo is registered in the Bitcoin Service Provider Registry administered by the Central Reserve Bank of El Salvador (BCR).
The Services are offered and fulfilled by the entity referenced in section 2 of this document, in its capacity as a Bitcoin Service Provider registered in the BCR's Bitcoin Service Provider Registry, and supervised by the Superintendency of the Financial System (SSF) of El Salvador.
To the extent that the Services are contracted by Users located in Mexico or who hold Mexican nationality, citizenship, or residency, the provisions of section 1.3 above shall apply, even when Users interact directly with Aureo MX, as set forth in section 6.1.1 below.
We do not provide services related to the custody of Bitcoin or Virtual Assets;
We are not subject to the provisions of the Fintech Law or the Credit Institutions Law, as we do not issue, manage, redeem, or transfer electronic payment funds, nor do we engage in the direct or indirect collection of Money.
We do not operate as a Financial Technology Institution, Electronic Payment Fund Institution, Credit Institution, currency exchange house, money transmitter, or, in general, as any entity forming part of the Mexican financial system.
We are not subject to the supervision or oversight of Banxico, the CNBV, or the Condusef.
As a User of the Services and the Platform, you acknowledge that both Bitcoin and Virtual Assets:
1. are not issued or generated by us, but rather by protocols or third parties that may or may not be identifiable and that may or may not assume responsibility for their issuance, generation, management, redemption, use, supply, or valuation;
2. operate on or through blockchains or decentralized or distributed platforms that are not developed, operated, or updated by us and that, consequently, may undergo modifications, forks (soft forks or hard forks), failures or service interruptions, elevated transaction processing times, or changes to their fees or commissions for reasons beyond our control;
3. are not considered by us (nor should they be considered by Users) as securities, credit instruments, or financial instruments under the terms of national, foreign, or international law;
4. are not legal tender in Mexico, do not carry legal discharge power, and are not backed by the Federal Government or Banxico;
5. are subject to transactions that are irreversible once executed;
6. may be subject to volatility in their value; and
7. may involve certain technological, cybersecurity, and fraud risks.

2. Our Information

Name	Swapido S.A.S. de C.V.
Nationality	El Salvador
Address	Sandbox Centro de Negocios, WTC San Salvador Torre II, El Mirador, Escalón, San Salvador
Website	https://www.aureobitcoin.com
Email	legal@aureobitcoin.com

3. Definitions

Virtual Asset: a representation of value recorded electronically and used among the public as a means of payment for all types of legal acts, the transfer of which can only be carried out through electronic means. For all purposes of this document, the concept of Virtual Asset shall be understood to include and encompass Bitcoin, insofar as it is an asset designed to be used as a means of payment (i.e., electronic cash system).
Aureo MX: Soluciones Tecnologicas Nagumatech, S.A.P.I. de C.V., an entity with a current registration as an obligated party with respect to the vulnerable activity referred to in Article 17, Section XVI of the Anti-Money Laundering Law.
Money: any unit of account, store of value, and medium of exchange issued or recognized by a government or central authority as legal tender, provided that it has full legal discharge power.
KYC: the Know Your Customer procedure for knowledge, identification, and verification to which all our Users are subject, pursuant to our respective AML Policy.
Anti-Money Laundering Law: the Federal Law for the Prevention and Identification of Transactions with Illicitly Obtained Funds (LFPIORPI), its Regulations, and the corresponding general provisions.
Fintech Law: the Law to Regulate Financial Technology Institutions and the corresponding general provisions.
We (and its variations, such as "our," "us," "we are," etc.): the entity referenced in section 2 of this document, as well as any of its controlling entities, subsidiaries, affiliates, or related parties, as applicable to the scope of their respective assets and services.
"Lightning Network": a second-layer payment protocol built on Bitcoin, which we use to send and receive Bitcoin quickly and with lower fees than the main layer.
Platform: the website indicated in clause 2 as well as any mobile application, interface, or software development that we have developed and operate directly, regardless of its name, through which Users access the Services.
AML Policy: the document governing our KYC, referred to in clause 8.2 of this document.
Services: the services we provide through the Platform, as described in clause 6 of this document.
Wallet: a program or electronic interface that allows the storage of the cryptographic keys necessary to sign or execute a transaction with Bitcoin or Virtual Assets, it being understood that such storage may be the responsibility of a third party (i.e., Custodial models) or may be the User's own responsibility (i.e., non-custodial models).
User(s): persons who (i) visit the Platform, even if they have not registered on it; as well as those who (ii) use the Platform and access the Services offered through it.

4. Purpose

By using our Platform, you acknowledge that you are freely, voluntarily, and electronically entering into a website or application use agreement with us. This agreement includes these terms and conditions, our Privacy Policy, our AML Policy, and any other binding document published on our Platform or otherwise made known to you.

In order for Users to give their consent to this agreement, they must (i) have the legal capacity to enter into a binding contract or to carry out legal acts in their own name and on their own behalf, (ii) have read and accepted these Terms and Conditions, and (iii) meet any other requirements we deem appropriate.

5. Use of the Platform

Proprietary Rights. We own the Platform and related applications. Within the framework of this ownership, we authorize Users to consult, review, and use the material we publish on the Platform solely for personal, non-commercial use. The content of the Platform (texts, graphics, images, logos, icons, software, products, services, trademarks, trade names, and any other material or information) is protected under copyright law, industrial property law, and other applicable laws.
Use on Own Behalf. Users accept and declare that they are acquiring the services in order to meet a personal need, and shall refrain from acquiring the services on behalf of a third party. If a User acquires the Services on behalf of a legal entity or a third party, they must demonstrate that they are fully authorized to bind and/or represent said interested third party. If not authorized, the User shall be personally liable for the obligations undertaken under these terms and conditions.
Prohibited Uses. Use of the Platform in any manner that results in the violation of any applicable national, foreign, or international law or regulation, or in a manner that violates or affects the personal or property rights of third parties, is prohibited.

Specifically, Users are prohibited from carrying out the following activities:
1. Deleting or editing any material we include on the Platform without proper authorization.
2. Attempting to test or affect the vulnerability of the Platform without proper authorization, or violating the security, identification, or authentication measures we have in place.
3. Using any type of resource, bot, or software to interfere with the proper functioning of the Platform or any activity carried out on it.
4. Using reverse engineering techniques or similar tools to access proprietary or confidential information.
5. Interfering with or affecting the Services provided to another User, provider, server, or network through viruses, malware, spyware, or any similar tool.
6. Using any program or application with the intent to damage, interfere with, intercept, or misappropriate any system, data, or information.
7. Designating as your own any accounts, addresses, or Wallets (i) that are not under your exclusive control, (ii) of which you are not the designated account holder, or (iii) of which you are not the final or ultimate beneficiary, as applicable.
8. Using on the Platform resources of illicit origin or directly or indirectly related to drug trafficking, organized crime, terrorism, proliferation of weapons of mass destruction, or any similar concept.
9. Accessing the Platform as residents, citizens, or from devices with an IP address or location assigned to countries where the purchase, sale, exchange, use, custody, or management of Bitcoin or Virtual Assets is prohibited or restricted by applicable law.
10. In general, including or placing on the Platform any false, inaccurate, incomplete, or misleading information.
Links to other websites. The Platform may contain links to websites of third-party entities or individuals. These links are provided solely for your convenience, but we do not endorse, recommend, or assume any responsibility for the content of third-party websites. Users who choose to access third-party websites through such links do so at their own risk and in accordance with the policies of each such site.

6. Description and Scope of Services

Purchase and Sale of Bitcoin: we offer the possibility to buy or sell Bitcoin, pursuant to the terms established by Article 2,248 of the Federal Civil Code and its equivalents in the Civil Codes of the other federal entities, in accordance with the following terms and conditions:
1. Aureo MX participates in buy and sell transactions as an agent or mandatary of Aureo, which means that (i) Aureo MX is not the counterparty to such transactions, (ii) Aureo MX is solely providing a payment collection or disbursement service on behalf of Aureo; and (iii) the Money that Users send to (or receive from) Aureo MX accounts is received (or sent) in the name and on behalf of Aureo. Notwithstanding the foregoing, Aureo MX's involvement may constitute the performance of the vulnerable activity referred to in Article 17, Section XVI of the Anti-Money Laundering Law, which is why Users expressly undertake to cooperate with Aureo MX in all matters related to compliance with its identification and reporting obligations.
2. Unless explicitly specified or agreed otherwise, Users acknowledge that Bitcoin purchase or sale services may be enabled or processed, at Aureo's sole discretion, through the main Bitcoin network, through the Lightning Network, or through other scalability solutions, sidechains, or technological solutions.
3. In Bitcoin purchase transactions, it is the Users' responsibility to have (and control) the accounts, wallets, or Wallets necessary for us to fulfill our obligations, as we do not provide these nor are they part of our services. These accounts, wallets, or Wallets must have sufficient resources or funds to pay the fees or commissions of the networks or platforms on which they operate and must be compatible or interoperable with such networks and platforms. As a User of the services, you release us from liability for the total or partial loss of Bitcoins or Virtual Assets issued or managed on a particular blockchain or network due to lack of interoperability between networks; or for the total or partial loss of their value, regardless of the cause that motivated such loss (failure, error, attack, fraud, breach, interruption, collapse, fork, consensus control, court order, etc.), provided that such cause is not directly attributable to us.
4. While a purchase or sale has not been completed, under the terms established in subsections 6.1.7 and 6.1.8 below, such transaction shall be deemed pending and we may unilaterally and discretionally reject our mandate and its processing, as well as return the net resources we have received in our accounts, addresses, or Wallets. Although we will make commercially reasonable efforts to complete a transaction in less than ten minutes, whenever the underlying financial or technological conditions and infrastructure allow, it may take us up to a maximum of twenty-four hours to complete a transaction; otherwise it shall be deemed rejected and a refund shall be processed as described above, with no liability on our part.
5. Purchases, sales, and, in general, all transactions carried out on the Platform shall be final, definitive, and irreversible, meaning we will not process any refund or return of Money, Bitcoin, or Virtual Assets for completed transactions.
6. Transactions carried out on your User account are directly attributable to (and binding upon) you, under the terms established in clause 8.4. If your account has been used without your authorization or consent, you must immediately send us an email detailing the relevant transaction, specifying how said transaction violated the identification and authentication controls (official ID, password access, security question, etc.) and, in general, the controls established in our AML Policy.
7. 6.1.7 Completion of a purchase. A Bitcoin or Virtual Asset purchase shall be deemed completed when (1) the Money corresponding to the payment has been credited or deposited to our accounts, (2) we have sent (or instructed the sending of) the Bitcoin or Virtual Assets to the public address, wallet, or Wallet you have designated for this purpose, and (3) said Bitcoins or Virtual Assets appear credited in (or cryptographically associated with) said address, wallet, or Wallet; or when the corresponding transaction has at least 3 confirmations or validations in any reputable block explorer or monitor, whichever occurs first.
8. 6.1.8 Completion of a sale. A Bitcoin or Virtual Asset sale shall be deemed completed when (1) said assets appear cryptographically linked to our addresses or Wallets (and the transaction has been confirmed), (2) we have sent the corresponding Money to the bank account, electronic payment fund account, or, in general, any account operated by an authorized member of the Mexican financial system, and (3) the Money appears credited to the corresponding account; or when the transaction has been validated by Banxico or the corresponding payment processor.
9. In purchase and sale transactions, you must ensure that the information for the accounts, wallets, or Wallets is correct, as applicable, since we will not recognize transfers or deposits made based on erroneous, incomplete, or incorrect information. We reaffirm that, as part of our AML Policy, it is mandatory that payments for Bitcoin purchases originate from a bank account in your name, and that Bitcoin transfers and withdrawals are made to and from Wallets that you own.
10. Purchases and sales made on the Platform are subject to the fees and commissions established in clause 9, as well as the costs, fees, and commissions (fixed or variable) charged by third parties or by the platforms where the transactions are carried out (including gas fees, bank commissions, payment processor fees, currency conversion fees, or equivalent items).
11. The fact that we make the purchase or sale of Bitcoin or any other Virtual Asset available on the Platform does not mean that we make any representation or assume any responsibility regarding the legality, suitability, or reliability of its issuance, supply, value, collateral, underlying technology, or other similar matters.
Information or Content Services: these are services we provide for informational or advertising purposes or to optimize our positioning on search engines, such as press articles, general interest news, articles created by our editorial team or by third parties, audiovisual content, educational content, etc.

The information and materials contained on the Platform do not constitute financial, commercial, legal, investment, or any other type of advice or consultancy. Users acknowledge that the criteria and assumptions specific to their particular situation must be consulted with specialists independent of us, and that they should not act on the basis of the information we provide. We are not responsible to Users for the content of websites that link to this page or the content of those to which such links lead.

7. Services Excluded from or Not Facilitated by the Platform

We do not provide services consisting of (i) collection or custody of Money or Virtual Assets; (ii) issuance, management, redemption, or transmission of electronic payment funds; (iii) issuance, custody, or redemption of Virtual Assets or Stablecoins; (iv) payment of interest, dividends, or economic returns of any kind; (v) investment advice; (vi) currency exchange; (vii) money transmission; (viii) issuance, custody, or intermediation of securities; nor, in general, any service not explicitly referenced in clause 6 of this document.

8. User Registration and Account Rules

Registration. In order to access our Services, Users must complete a registration, create an account, complete the KYC corresponding to our AML Policy, and log in to the Platform. Visitors may view the content we make available on the Platform, but may not and should not generate any type of interaction on it. As part of registration, the User will be asked to create a password, and shall be solely responsible for maintaining the confidentiality of their account and password.

Each User may maintain only one account linked to their identification document, although they may register more than one wallet address or Wallet in said account to carry out their transactions. If we detect more than one account in the name of the same User, we reserve the right to suspend or cancel one or all accounts, with prior notice to the corresponding User.

As a prerequisite to using this Platform, Users must have accepted our personal data processing policy and, specifically, must have authorized the processing of their data in accordance with the provisions of said policy.
KYC and AML Policy. As a User of the Platform, you acknowledge that all information you provide to us may or will be verified as part of the KYC governed by our policy to prevent and identify transactions involving funds of illicit origin or potentially linked to terrorism financing, organized crime, drug trafficking, proliferation of weapons of mass destruction, and, in general, illicit acts (our "AML Policy").

Accordingly, as a User of the Platform, you authorize and consent to any identification, verification, validation, or authentication action or inquiry that may be necessary as part of our AML Policy or, in general, of our obligations under applicable law, whether such obligations are borne by Aureo MX or Aureo.

We expressly reserve the right to modify, update, or replace our AML Policy at any time and without prior notice, in order to improve our KYC processes or our level of compliance with applicable regulations.

As a User of the Platform, you acknowledge and accept the possibility that we may share (on our own initiative, by legal obligation, or at the express request of the relevant authority, when applicable) your data or information (personal or transactional) with the corresponding authorities, including the Tax Administration Service (SAT) or the Financial Intelligence Unit (UIF).
Account Maintenance. Users undertake to keep their account up to date with truthful, complete, and accurate information, it being understood that such Users shall be liable for any damage, harm, or inconvenience caused by the provision of false, misleading, erroneous, incomplete, or inaccurate information, without prejudice to our right to cancel, suspend, limit, or disable the account if the information provided has such characteristics.
Personal Use. Your account is personal, unique, and non-transferable, which means you may not assign it nor may you authorize third parties to operate or use it in your name and on your behalf. You are also responsible for any unauthorized use by a third party, whether voluntary or involuntary, or by any third party who may access your login credentials, due to acts performed by you or attributable to you. You are obligated to notify us immediately of any unauthorized use of your account, as well as of unauthorized access by third parties.

Users shall be solely responsible for the activity and content managed from their account.
Account Levels: depending on their personal or transactional profile, Users are subject to the account types and levels we assign to them, in accordance with the AML Policy, applicable law, and any other criteria we deem appropriate.

Account types and levels will set transactional, quantitative, and operational limits on your activity, and we may adjust them automatically or discretionally as you provide more information or documentation that supports or justifies your personal or transactional profile. We reserve the right to discretionally establish individualized limits, restrictions, suspensions, or cancellations for Users based on their personal transactional profile.
Grounds for Rejection, Suspension, and/or Disabling of Accounts. We reserve the right to deny, cancel, suspend, or disable any account when any of the following events occur:
1. Users who do not have the legal capacity or sufficient age to use the Platform, access the Services, or, in general, to validly carry out legal acts on their own behalf.
2. Users who appear on any type of blacklist, blocked persons list, commercial or economic sanctions list, or similar list, including those issued by the Ministry of Finance and Public Credit (SHCP), the Tax Administration Service (SAT), the Financial Intelligence Unit (UIF), the CNBV, the United Nations Security Council, the Financial Action Task Force (FATF), the Office of Foreign Assets Control (OFAC), the United States Department of the Treasury, or any other similar body or authority.
3. Users who attempt or carry out actions aimed at evading controls or improper "structuring" schemes.
4. Users who trigger any type of alert or flagging in the automated monitoring systems we maintain or outsource to third parties, due to being potentially linked to illicit operations, the dark web, terrorism financing, or any similar cause or reason.
5. When you provide (or we detect that you have provided) false, incorrect, mistaken, inaccurate, erroneous, confusing, or unverifiable information.
6. When a User fails to fulfill any of their obligations with respect to the Platform.
7. When an illegal transaction or a transaction that threatens the safety of persons or property is carried out through an account.
Account Abandonment: your account shall be deemed abandoned when it has had no activity for a period of two years, in which case we may disable, suspend, or cancel it.

9. Fees, Charges, Payments, and Taxes

Fees and Taxes. Transactions carried out by Users on the Platform shall be subject to the following:
1. When you are quoted a price to buy or sell Bitcoin, that quote includes our fees. Our primary source of revenue is through a spread or margin on the exchange rate (the difference between the price at which we obtain liquidity and the price quoted to Users). Users acknowledge that the exchange rate presented may be less favorable than the prevailing market exchange rate at that time, and that such difference constitutes our remuneration.
2. Users are responsible for paying all applicable network fees for Bitcoin withdrawal transactions. These fees are not set by Aureo but are inherent to the operation of decentralized networks (e.g., mining fees on the Bitcoin network or routing fees on the Lightning Network). When requesting a withdrawal, we will show you an estimate of the applicable network fee, and that amount will be deducted from the total Bitcoin to be withdrawn. By confirming the withdrawal, you agree to pay said fee.
3. In general, Aureo does not charge an additional explicit commission beyond the exchange rate margin for processing Money transfers. However, we reserve the right to introduce in the future a processing fee for receiving or sending Money, which may depend on the transaction amount.
4. For Bitcoin purchases (MXN to BTC): because the transaction is executed automatically and immediately upon detecting your transfer, Users are not presented with a guaranteed prior quote for approval. Users accept that the applicable exchange rate will be the one in effect in our system at the exact moment of execution. The complete breakdown of the transaction, including the applied exchange rate, the amount of MXN received, and the amount of Bitcoin credited, will be available in your transaction history on the Platform immediately after the transaction is completed. By sending payment, you accept this execution mechanism.
5. For Bitcoin sales: the Platform will always show you a confirmation screen or a prior breakdown before you authorize the transaction. This breakdown will include relevant information such as the exchange rate (for sales), Aureo's fees (if applicable), the estimated network fee (for withdrawals), and the final amount you will receive or send. Your confirmation on this screen constitutes your acceptance of all costs detailed therein.
6. You are solely responsible for paying any taxes (such as income tax, capital gains tax, VAT, or other levies) that may arise from your use of the Services. For example, if you earn a profit by buying and then selling Bitcoin, it is your responsibility to determine and pay the corresponding taxes in your jurisdiction. Aureo may provide you with transaction histories to assist you, but will not calculate your gains nor file on your behalf (except for what it may be required to report to authorities under legal obligations). By using the Service, you agree that you are responsible for declaring and paying your taxes and that you will indemnify and hold harmless Aureo from any claim or liability related to your tax obligations. If any authority or third party requires Aureo to pay any of your taxes or to withhold any tax from amounts payable to you, you agree that we may deduct such amounts from any balance or future transfer to your benefit, or that you will reimburse Aureo for such payments.
7. You acknowledge and accept that, since the Services are provided by Aureo, an entity incorporated outside of Mexico, we are not obligated to issue Digital Tax Receipts via Internet (CFDI) for Bitcoin or Digital Asset purchase and sale transactions. Aureo MX, acting as agent, also does not issue CFDIs for the value of the assets, but only, where applicable, for direct commissions charged to the User for services provided directly by the Mexican entity, which would be explicitly specified when applicable.

10. Service Quality Standards and Warranty

We will use our best efforts to provide the Services with the quality you expect as a User, it being understood that our Services carry no warranty and are provided in accordance with these terms and conditions, as well as any other applicable documents.

As a User of the Platform, you accept that the Services are provided "as is", meaning there is no express or implied warranty of any kind regarding the provision of the Platform's service.

The only recourse Users shall have in connection with the Services provided by the Platform shall be to cancel their account and cease using the Platform.

11. Limitation of Liability

To the maximum extent permitted by law, Aureo shall not be liable for any indirect, incidental, consequential, or punitive damages; any loss of profits, loss of revenue, loss of business opportunities, loss of goodwill, loss of data, or damages from business interruption; nor for the cost of obtaining substitute services (arising out of or in connection with your access to, use of, or inability to use) our Services, or any conduct or transaction under these terms. This applies even if we have been advised of the possibility of such damages.

In simpler terms, our financial liability to you is limited. Should it be determined that we have liability to you in connection with any claim or dispute, our total cumulative liability to you for any claim or dispute shall not exceed, under any circumstances, the amount of $100.00 USD (one hundred United States dollars). You acknowledge that your sole recourse in the event of dissatisfaction with the service is to stop using it and close your account.

12. Personal Data Processing

By accepting these terms and conditions, you authorize us to process the personal data you enter on the Platform and any data that may be provided or collected in the future, for the purposes and under the terms described in our personal data processing policy, available on the Website at https://www.aureobitcoin.com/en/privacy-policy.

13. Service Level Agreements

We commit to maintaining a Platform uptime of 95% per month and shall not be responsible for Platform unavailability above said levels.

14. Platform Failures

We are not responsible for any damage, harm, or loss caused by Platform failures arising from the server, the underlying blockchains, service intermittencies, or Internet availability. We shall also not be responsible for any virus that may infect Users' equipment as a consequence of accessing or using the Platform or following any transfer of data, files, images, texts, or audio contained therein. Users may not attribute any liability to us nor demand payment for lost profits due to harm resulting from technical difficulties or failures in Internet systems. We do not guarantee continuous or uninterrupted access to and use of the Platform beyond the levels indicated in the Service Level Agreements.

The Platform may occasionally be unavailable due to technical difficulties or Internet failures, or due to any other circumstance beyond our control; it being understood that we will endeavor to restore it as quickly as possible, without any liability being attributable to us on such grounds.

15. Hyperlinks to Other Websites and Use of Cookies

Users accept that we may make use of cookies and other similar technologies, both on the Platform, its content, services, and in emails sent to Users, for the purpose of authenticating, recording activities on the Platform, improving its functionality, optimizing the Services offered, analyzing market trends, analyzing demographic information of those who visit the Platform and use the services it offers, evaluating the effectiveness of its advertising, the consumption behavior of Platform buyers and the results of activities carried out thereon, determining who has opened emails sent and the format in which they do so. These tools enable the collection of, among other things, information regarding the type of browser and operating system used, the IP address, the time spent on the Platform, and the number of visits made to the Platform, its use, among other data.

Users may configure their browser to disable and delete cookies, in which case, although they will still be able to visit the Platform, access to certain features of the Platform may be restricted.

16. Intellectual Property

The Platform, the Services, solutions, designs, graphics, texts, images, source code and object code, usage model, and all other content to which Users have access are our property and are protected by intellectual and industrial property law, as applicable.

Distinctive signs, such as trademarks, trade names, logos, and all their components are our exclusive property; therefore, Users do not have the right to use our trademarks without our authorization.

Users' use of the applications and Platform software does not imply any assignment of our industrial property rights or copyrights over such content or over the Platform. Authorized uses shall be delimited by these terms and conditions, the natural and functional purpose of the Platform's applications and software, and the legal relationship between Users and us. The uses granted must be interpreted restrictively.

Users and any third parties must refrain from extracting and/or re-using parts of the content without our prior and express consent and/or that of the respective rights holders, under penalty of indemnifying the affected party for any damage or harm caused by non-compliance with this section.

17. Modifications

As a User of our Services, you must periodically visit this Platform to review the latest current version of these terms and conditions of use, as they may be unilaterally modified at any time and without prior notice.

We may make updates and changes to these terms and conditions, both in their appearance and in their features and content, and these may be changed or modified as new functions or features are developed, without this implying additional commitments. New conditions shall apply from the day on which Users have been informed of the corresponding modifications (i) through a general notification, banner, or popup on the Platform; (ii) through a notification addressed to the contact information that Users have registered on the Platform; (iii) within the business day following the date on which the updated version is published on the Platform; or (iv) from the first interaction Users carry out with the Platform, whichever occurs first.

18. Communications

As a user of the Services, you acknowledge that we will send you notifications, communications, or notices related to the Platform to the email address, phone number, or other contact information you have registered in your account or profile, and you recognize said means as valid for the receipt of commercial or legal notifications.

In light of the foregoing, you acknowledge your obligation to keep your contact information up to date in your account or profile, and you release us from any liability for any information or communication we send you that is not received because the information is incorrect or outdated, because the inbox is full or blocked, because the information has been filtered or classified as spam or unwanted, or for any similar reason.

19. Claims

Before resorting to judicial or administrative consumer protection authorities, Users must exhaust the internal dispute resolution procedure set forth below:

The User must send an email to the address indicated in clause 2, setting out in a clear and detailed manner: (i) the description of the problem or complaint, (ii) the background and relevant facts, (iii) the evidence or documents they deem relevant, and (iv) the proposed solution they consider applicable.

We will analyze the request and communicate our response to the User within ten business days. We may: (i) fully or partially accept the proposed solution, or (ii) reject it. In the event of partial acceptance, we will formulate a counteroffer in brief and reasoned terms.

If the User does not receive a response from us within the aforementioned period, the User is free to contact the Superintendency of the Financial System at: atencionalusuario@ssf.gob.sv.

20. Applicable Law and Jurisdiction

These terms and conditions shall be governed by the legislation and jurisdiction applicable to El Salvador.