Terms and Conditions of Use

Mexico

Version 3.0

Effective as of June 1, 2026

Please read this document carefully and attentively. If you have any questions regarding its contents, 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 Client, (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 use the Platform if you do not understand or do not agree with any of the following stipulations.

1. Important Notices

1.1 Aureo is a platform that facilitates various services related to Bitcoin and Virtual Assets, including (but not limited to) purchase and sale services, under the terms described in Clause 6 of this document.

1.2 Aureo is registered in the Bitcoin Service Provider Registry administered by the Central Reserve Bank of El Salvador (BCR).

1.3 The Services are offered and fulfilled by the entity referred to in Clause 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.

1.4 To the extent that the Services are contracted by Clients located in Mexico or who hold Mexican nationality, citizenship, or residency, the provisions of Clause 1.3 above shall apply, even when Clients interact directly with Aureo MX, under the terms set forth in Clause 6.1.1 below.

1.5 The involvement of Aureo MX could entail the performance of the vulnerable activity referred to in Article 17, section XVI of the Anti-Money Laundering Law, which is why Aureo MX has registered as an obligated party for vulnerable activities, in accordance with the provisions of said legislation.

1.6 We do not provide services related to the custody of Bitcoin or Virtual Assets;

1.7 We are not subject to the provisions of the Fintech Law or the Law on Credit Institutions, insofar as we do not issue, manage, redeem, or transfer electronic payment funds, nor do we directly or indirectly raise Money.

1.8 We do not operate as a Financial Technology Institution, Electronic Payment Funds Institution, Credit Institution, currency exchange center, money transmitter, or, in general, as an entity that is part of the Mexican financial system.

1.9 We are not subject to the supervision or oversight of Banxico, the CNBV, or Condusef.

1.10 As a Client of the Services and the Platform, you acknowledge that both Bitcoins and Virtual Assets:

1.10.1 are not issued or generated by us, but by protocols or third parties who may or may not be identifiable and who may or may not assume responsibility for their issuance, generation, management, redemption, use, supply, or valuation;

1.10.2 operate on or through decentralized or distributed blockchains or platforms that are not developed, operated, or updated by us and which, consequently, may be subject to modifications, forks (soft forks or hard forks), failures or service interruptions, extended transaction processing times, or changes to their fees or commissions for reasons beyond our control;

1.10.3 are not considered by us (nor should they be considered by Clients) as securities, negotiable instruments, securities, or financial instruments under national, foreign, or international law;

1.10.4 are not legal tender in Mexico, have no discharging power, and are not backed by the Federal Government or by Banxico;

1.10.5 are subject to operations that are impossible to reverse once executed;

1.10.6 may be subject to volatility in their value; and

1.10.7 may entail certain technological, cyber, 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

3.1 Virtual Asset: a representation of value recorded electronically and used among the public as a means of payment for all types of legal transactions, and whose transfer 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 comprise Bitcoin, insofar as it is an asset designed to be used as a means of payment (i.e., electronic cash system).

3.2 Aureo (and its variations, such as “we,” “our,” “us,” “are,” etc.): the entity referred to in Clause 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 goods and services.

3.3 Aureo MX: Soluciones Tecnológicas Nagumatech, S.A.P.I. de C.V., an entity with a valid registration as an obligated party with respect to the vulnerable activity referred to in Article 17, section XVI of the Anti-Money Laundering Law.

3.4 Controlling Beneficiary(ies) or Final Beneficiary(ies): any of the persons referred to in Article 3, section III of the Anti-Money Laundering Law.

3.5 Bitcoin: a type of Virtual Asset used as a digital means of payment (i.e., electronic cash system), person-to-person (i.e., peer-to-peer), without the involvement of central banks or intermediaries, and which uses cryptographic technology and consensus protocols to ensure the integrity of transactions.

3.6 Client(s): the 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.

3.7 Money: any unit of account, store of value, and medium of exchange that is issued or recognized by a government or central authority as legal tender, provided that it has full discharging power.

3.8 KYC: the Know Your Customer procedure, or the process of knowing, identifying, and verifying to which all our Clients are subject, under the terms of our respective AML Policy.

3.9 Anti-Money Laundering Law: the Federal Law for the Prevention and Identification of Operations with Resources of Illicit Origin (LFPIORPI), its Regulations, and the corresponding general provisions.

3.10 Fintech Law: the Law to Regulate Financial Technology Institutions and the corresponding general provisions.

3.11 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.

3.12 Mainnet: the original Bitcoin blockchain that functions as the main layer for recording transactions.

3.13 Platform: the website indicated in Clause 2, as well as any mobile application, interface, or software development that we have developed and that we operate directly, regardless of its name, through which Clients access the Services. Aureo may unilaterally modify, at any time, the name of any of the components of the Platform, as well as its format or operation.

3.14 AML Policy: the document that governs our KYC and referred to in Clause 8.2 of this document.

3.15 Services: the services we provide through the Platform, as described in Clause 6 of this document.

3.16 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 Client's own responsibility (i.e., non-custodial models).

4. Purpose

By using our Platform, you acknowledge that you are freely, voluntarily, and electronically entering into a site 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 that we make known to you by any other means.

In order for Clients 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 transactions in their own name and on their own behalf, (ii) have read and accepted these Terms and Conditions, and (iii) comply with any other requirement we deem appropriate.

5. Use of the Platform

5.1 Property Rights: We own the Platform and the related applications. Within the framework of this ownership, we authorize Clients to consult, review, and use the material we disseminate on the Platform solely for their 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 laws, industrial property laws, and other applicable laws.

5.2 Use in one's own name. Clients accept and declare that they are acquiring the services in order to satisfy a personal need, and shall refrain from acquiring the services on behalf of a third party. In the event that a Client acquires the Services on behalf of a legal entity or a third party, they must demonstrate that they are fully empowered to bind and/or represent said interested third party. If not so empowered, the Client shall be personally liable for the obligations incurred in accordance with these terms and conditions.

5.3 Prohibited uses. The use of the Platform in any manner that results in the violation of any applicable law or national, foreign, or international regulation, or in a manner that violates or affects the personal or property rights of third parties, is prohibited. Specifically, Clients are prohibited from carrying out the following activities:

5.3.1 Deleting or editing any material we include on the Platform without proper authorization.

5.3.2 Attempting to test or affect the vulnerability of the Platform without proper authorization, or violating the security, identification, or authentication measures we have implemented.

5.3.3 Using any type of resource, bot, or software to interfere with the proper functioning of the Platform or with any activity carried out on it.

5.3.4 Using reverse engineering techniques or tools (reverse engineering) or similar to access our proprietary or confidential information.

5.3.5 Interfering with or affecting the Services provided to another Client, supplier, server, or network through viruses, malware, spyware, or any other similar tool.

5.3.6 Using any program or application with the intent to damage, interfere with, intercept, or appropriate any system, data, or information.

5.3.7 Designating as one's own accounts, addresses, or Wallets (i) that are not under one's exclusive control, (ii) of which one is not the designated holder, or (iii) of which one is not the final or ultimate beneficiary, as applicable.

5.3.8 Using on the Platform resources of illicit origin or related directly or indirectly to drug trafficking, organized crime, terrorism, proliferation of weapons of mass destruction, or any other similar concept.

5.3.9 Accessing the Platform as residents, citizens, or from devices that have an IP or address assigned to countries where the purchase, sale, exchange, use, custody, or management of Bitcoin or Virtual Assets is prohibited or restricted by their applicable legislation.

5.3.10 In general, including or placing on the Platform false, inaccurate, incomplete, or misleading information.

5.4 Links to other websites. The Platform may contain links to websites of third-party entities or persons. 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. Clients who decide to access third-party websites through the links do so at their own risk and in accordance with the policies of each of them.

6. Description and Scope of the Services

6.1 Purchase and Sale of Bitcoin: we offer the possibility of buying or selling Bitcoin, under the terms established by Article 2,248 of the Federal Civil Code and its equivalents in the Civil Codes of the remaining federal entities, in accordance with the following terms and conditions:

6.1.1 Aureo MX participates in purchase and sale operations as agent or attorney-in-fact of Aureo, which means that (i) Aureo MX is not the counterparty of said operations, (ii) Aureo MX is solely providing a payment receipt or disbursement service on behalf of Aureo; and (iii) the Money that Clients send to (or receive from) Aureo MX's accounts is received (or sent) in the name and on behalf of Aureo. Notwithstanding the foregoing, the involvement of Aureo MX could entail the performance of the vulnerable activity referred to in Article 17, section XVI of the Anti-Money Laundering Law, which is why Clients expressly undertake to cooperate with Aureo MX in everything related to the fulfillment of its identification and reporting obligations.

6.1.2 Unless explicitly specified or agreed otherwise, Clients acknowledge that the Bitcoin purchase or sale services may be enabled or processed, at Aureo's sole choice and discretion, through the main Bitcoin network, through the Lightning Network, or through other scalability solutions, sidechains, or technological solutions.

6.1.3 In Bitcoin purchase operations, it is the Clients' responsibility to have (and control) the accounts, wallets, or Wallets necessary for us to fulfill our obligations, since we do not provide them nor do they form 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 Client of the services, you release us from liability for the total or partial loss of Bitcoins or Virtual Assets issued or managed on a given blockchain or network, due to the lack of interoperability between networks; or for the total or partial loss of their value, regardless of the cause that gave rise to the corresponding loss (failure, error, attack, fraud, breach, interruption, outage, fork, consensus control, court order, etc.), provided that such cause is not directly attributable to us.

6.1.4 As long as a purchase or sale is not completed, under the terms established in subsections 6.1.7 and 6.1.8 below, such transaction shall be considered pending and we may reject our commission and its processing unilaterally and at our discretion, 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, provided that the underlying financial or technological conditions and infrastructures allow it, it may take us up to a maximum period of twenty-four hours to complete a transaction, otherwise it shall be deemed rejected and returned under the terms described above, without any liability on our part.

6.1.5 The purchases, sales, and, in general, the operations you carry out on the Platform shall be final, definitive, and irreversible, which means that we will not carry out (or process) any type of refund or return of Money, Bitcoin, or Virtual Assets for transactions that have been completed.

6.1.6 Operations carried out in your Client account are directly attributable to (and binding upon) you, under the terms established in Clause 8.4. In the event that your account has been used without your authorization or consent, you must immediately send us an email indicating the details of the corresponding transaction, in which you must specify how said transaction violated the controls regarding identification, authentication (official ID, password access, security question, etc.) and, in general, the controls established in our AML Policy.

6.1.7 Completion of a purchase. A purchase of Bitcoin or Virtual Assets shall be deemed completed when (1) the Money corresponding to the payment has been credited or deposited into 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 such purpose, and (3) such Bitcoins or Virtual Assets appear credited to (or cryptographically associated with) said address, wallet, or Wallet; or when the corresponding transaction has a minimum of 3 confirmations or validations in any reputable block explorer or monitor, whichever occurs first.

6.1.8 Completion of a sale. A sale of Bitcoin or Virtual Assets shall be deemed completed when (1) such 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 funds 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 corresponding transaction has been validated by Banxico or the relevant payment processor.

6.1.9 In purchase and sale operations, you must ensure that the information of 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 the purchase of Bitcoin come from a bank account held in your name, and that Bitcoin sends and withdrawals be made from and to Wallets that you own.

6.1.10 Purchases and sales made on the Platform are subject to the fees and commissions established in Clause 9, as well as to 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 charges, payment processor fees, currency fees, or equivalent concepts).

6.1.11 The fact that we make available the purchase or sale of Bitcoin or any other Virtual Asset on the Platform does not mean that we make any representation or assume any type of responsibility regarding the legality, suitability, or reliability of its issuance, supply, value, collateral, underlying technology, or other similar concepts.

6.2 Information or Content Services: these are those we provide for informational or advertising purposes or to optimize our search engine positioning, such as press articles, news of common interest, articles created by our editorial team or by third parties, presentation of audiovisual content of various kinds, 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. Clients acknowledge that the criteria and assumptions specific to their particular situation must be consulted with specialists external to us and that they should not act on the basis of the information we provide. We are not responsible to Clients for the content of web pages that have links to this page or the content of those to which the links lead.

7. Services Excluded or Not Facilitated by the Platform

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

8. Client Registration and Rules Relating to the Account

8.1 Registration. To access our Services, Clients 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 shall not generate any type of interaction on it. As part of the registration, the Client will be asked to create a password, being solely responsible for maintaining the confidentiality of their account and password.

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

As a prerequisite for the use of this Platform, Clients 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.

8.2 KYC and AML Policy. As a Client of the Platform, you acknowledge that all the information you provide us may be or will be verified as part of the KYC governed by our policy to prevent and identify operations with resources of illicit origin or potentially linked to terrorist financing, organized crime, drug trafficking, proliferation of weapons of mass destruction, and, in general, illicit acts (our “AML Policy”).

In accordance with the foregoing, as a Client 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 rest with Aureo MX or with 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 or our level of compliance with applicable regulations.

As a Client 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 authority, where applicable) your data or information (personal or transactional) with the corresponding authorities, including the Tax Administration Service or the Financial Intelligence Unit.

8.3 Account Maintenance. Clients undertake to keep their account up to date, with true, complete, and accurate information, it being understood that such Clients shall be responsible for any damage, harm, or inconvenience generated 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 to us has these characteristics.

8.4 Personal Use. Your account is personal, unique, and non-transferable, which means that you may not assign it or authorize third parties to operate or use it in your name and on your behalf. Likewise, you are responsible for any unauthorized use made by a third party, voluntarily or involuntarily, or by any third party who may access your access credentials, for acts carried out by you or attributable to you. You are obligated to inform us immediately of any unauthorized use of your account, as well as of access to it by unauthorized third parties.

Clients shall be solely responsible for the activity and content managed from their account.

8.5 Account Levels: depending on their personal or transactional profile, Clients are subject to the account types and levels we assign 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 at our discretion, to the extent that you provide more information or documentation that supports or justifies your personal or transactional profile. We reserve the right to establish, at our discretion, individualized account limits, restrictions, suspensions, or cancellations for Clients based on their personal transactional profile.

8.6 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:

8.6.1 Clients who do not have the legal capacity or sufficient age to use the Platform, access the Services, or, in general, validly carry out legal transactions on their own behalf.

8.6.2 Clients who are included on any type of blacklist, blocked persons list, commercial or economic sanctions list, or similar list, including those lists issued by the Ministry of Finance and Public Credit, the Tax Administration Service, the Financial Intelligence Unit, 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.

8.6.3 Clients who attempt or carry out actions aimed at evading controls or improper “structuring” schemes.

8.6.4 Clients who trigger any type of alert or flagging in the automated monitoring systems we maintain or subcontract with third parties, for being potentially related to illicit operations, the dark web, terrorist financing, and any other similar cause or reason.

8.6.5 When you provide (or we detect that you provided) false, incorrect, mistaken, inaccurate, erroneous, confusing, or unverifiable information.

8.6.6 When a Client breaches any of their obligations regarding the Platform.

8.6.7 When an illegal operation or an operation that threatens the security of property or persons is carried out through an account.

8.7 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. Commissions, Fees, Payments, and Taxes

9.1 Commissions and Taxes. Operations carried out by Clients on the Platform shall be governed by the following:

9.1.1 When you are quoted a price to buy or sell Bitcoin, that quote includes our commissions. Our main 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 Clients). Clients acknowledge that the exchange rate presented may be less favorable than the market exchange rate at that time, and that such difference constitutes our remuneration.

9.1.2 Clients are responsible for paying all network fees applicable to Bitcoin withdrawal transactions. These fees are not set by Aureo, but are inherent to the functioning of decentralized networks (for example, 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.

9.1.3 In general, Aureo does not charge an explicit commission in addition to 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 could depend on the transaction amount.

9.1.4 For Bitcoin purchases (MXN to BTC): Because the transaction is executed automatically and immediately upon detecting your transfer, Clients are not presented with a guaranteed prior quote for their approval. Clients 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 operation, including the exchange rate applied, the amount in MXN received, and the amount of Bitcoin credited, will be available in your transaction history within the Platform immediately after the operation is completed. By sending the payment, you accept this execution mechanism.

9.1.5 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 commissions (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 the costs detailed.

9.1.6 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 make 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 or report on your behalf (except for what it must report to authorities under legal obligations). By using the Service, you accept that you will be responsible for declaring and paying your taxes and that you will indemnify and hold Aureo harmless from any claim or liability related to your tax obligations. If any authority or third party requires Aureo to pay any tax of yours or withhold any tax from amounts payable to you, you accept that we may deduct such amounts from any balance or future transfer in your favor, or that you will reimburse Aureo for such payments.

9.1.7 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 the Internet (CFDI) for the purchase and sale operations of Bitcoin or Digital Assets. Aureo MX, acting as agent, likewise does not issue CFDIs for the value of the assets, but only, where applicable, for direct commissions charged to the Client for services provided directly by the Mexican entity, which would be specified explicitly where applicable.

10. Quality Standards and Warranty of the Services

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

As a Client of the Platform, you accept that the Services are provided “as is,” which means that there is no express or implied warranty of any kind regarding the provision of the Platform's service.

The only remedy Clients will have in relation to the Services provided by the Platform will be to cancel their account and stop 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 damage from business interruption; nor for the cost of obtaining substitute services (arising from or in connection with your access to, use of, or inability to use) our Services, or from any conduct or operation under these terms. This applies even if we have been advised of the possibility of such damages.

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

12. Processing of Personal Data

By accepting these terms and conditions, you authorize us to process the personal data you enter into the Platform and any 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 undertake to maintain a Platform availability (uptime) of 95% monthly and will not be liable for Platform unavailability beyond such 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 intermittency, or Internet availability. Nor will we be responsible for any virus that could infect Clients' equipment as a result of accessing or using the Platform or as a result of any transfer of data, files, images, texts, or audio contained therein. Clients may not attribute any liability or demand payment for lost profits, by virtue of damages resulting from technical difficulties or failures in Internet systems. We do not guarantee continuous or uninterrupted access to and use of its Platform beyond that indicated in the Service Level Agreements.

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

15. Hyperlinks to Other Websites and Use of Cookies

Clients accept that we may make use of cookies and other similar technologies, both on the Platform, its content, and services, as well as in the emails sent to Clients, for the purpose of authenticating, recording activities on the Platform, improving its functionality, optimizing the Services offered, analyzing market trends, analyzing the demographic information of those who visit the Platform and use the services it offers, evaluating the effectiveness of its advertising, the consumption behavior of the Platform's buyers, and the results of the activities carried out there, determining who has opened the email sent and the format in which they do so. These tools allow the obtaining of, among others, 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 others.

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

16. Intellectual Property

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

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

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

Clients and any third party must refrain from extracting and/or reusing parts of the content without our prior and express consent and/or that of their respective owners, under penalty of indemnifying the affected party for any damage or harm caused by the breach of this section.

17. Modifications

As a Client of our Services, you must visit this Platform periodically to review the latest version in force of these terms and conditions of use, since they may be modified unilaterally, 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 to the extent that new functions or features are developed, without this implying additional commitments. The new conditions will apply from the day Clients have been informed of the corresponding modifications (i) through a general notification, banner, or popup on the Platform; (ii) through a notification directed to the contact means Clients 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 act of interaction that Clients carry out with the Platform, whichever occurs first.

18. Communications

As a Client of the Services, you acknowledge that we will send you notifications, communications, or notices related to the Platform to the email address, telephone, or contact means you have registered in your account or profile, and you recognize such means as valid for hearing and receiving commercial or legal notifications.

By virtue of the foregoing, you acknowledge your obligation to keep your contact means updated in your account or profile, and you release us from 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 cause.

19. Complaints

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

The Client must send an email to the address indicated in Clause 2, in which they must clearly and in detail set out: (i) the description of the problem or complaint, (ii) the relevant background and facts, (iii) the evidence or documents they consider pertinent, and (iv) the proposed solution they deem applicable.

We will analyze the request and communicate the response to the Client within a period of ten business days. We may: (i) accept the proposed solution in whole or in part, or (ii) reject it. In the case of partial acceptance, we will formulate a counteroffer in brief and reasoned terms.

If, after the aforementioned period, the Client does not obtain a response from us, the Client is free to contact the Superintendency of the Financial System: atencionalusuario@ssf.gob.sv.

20. Applicable Law and Jurisdiction

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