Terms and conditions of use

Last revised: October 19, 2025

Please read this document carefully and in detail. If you have any questions regarding any of this document, please contact us at the email address detailed below. We also ask that you do not accept these terms and conditions or use the features provided on our Platform if you do not understand any of these provisions.

Your consent to these terms and conditions is expressed by accessing the Platform, registering or signing up as a User, purchasing any of our goods or Services, or electronically accepting these terms and conditions, whichever occurs first. We will use commercially reasonable efforts to verify your legal capacity and authority to consent to and be bound by these terms and conditions, but we will generally assume that you have the capacity and authority to do so.

1. Our information

Name	Swapido S.A.S. de C.V. (“Aureo El Salvador”)
Nationality	El Salvador
Home	Sandbox Business Center, World Trade Center San Salvador Tower II, Calle El Mirador, Colonia Escalón, San Salvador, El Salvador
Website	https://aureobitcoin.com
Email	legal@aureobitcoin.com

2. Important Notices

Aureo El Salvador offers a technological platform to facilitate Bitcoin-related services, including buying, selling, sending, and custody. Aureo El Salvador operates with a Bitcoin Service Provider (BSP) license granted by the Central Reserve Bank of El Salvador (BCR), and supervised by the Superintendency of the Financial System (SSF) of El Salvador.
The services are provided by Aureo El Salvador, your contractual counterparty, except for the Sell Bitcoin service (off-ramp), which is provided and operated by a third party, TBC, who receives the Bitcoin payment and sends the transfer in Mexican Pesos (MXN) to the recipient you designate.
The Bitcoin off-ramp service allows you to designate a third party as the beneficiary of the Mexican peso transfer. By using this feature, you are not contracting a money transmission service. You are instructing that the proceeds from the sale of your own Bitcoin be delivered to an account designated by you, to which you expressly assign your creditor rights. Aureo El Salvador and its suppliers act solely as intermediaries to execute your payment instruction as part of the settlement of said sale.
In Mexico, Aureo Mexico acts solely as a commission agent for Aureo El Salvador to facilitate the processing of payments in Mexican Pesos (MXN). Aureo Mexico is registered with the SAT for operating a Vulnerable Activity in the field of Virtual Assets. Aureo Mexico does not provide services to Platform Users. Aureo Mexico is not a bank, financial institution, or fintech entity regulated by the National Banking and Securities Commission (CNBV) in Mexico. Aureo Mexico is not part of the Mexican deposit insurance system (IPAB).
Any fiat currency you send to Aureo El Salvador (directly or through Aureo Mexico) does not constitute a bank deposit, but rather represents payment for the transaction to carry out your Bitcoin purchase. We do not provide bank deposits, fiat currency custody, money transmission, or digital fiat currency account services, including those for Mexican pesos or US dollars.
Volatility Risk: You acknowledge and agree that Bitcoin is a highly volatile digital asset whose value can fluctuate dramatically. Use of our services implies acceptance of all associated market risks, including the possibility of a total loss of your invested capital. We do not offer financial advice or guarantee returns. In Mexico, Bitcoin is not legal tender and is not backed by the Federal Government or the Bank of Mexico.
Bitcoin transactions are irreversible. Once a transaction is executed, it cannot be undone. You are solely responsible for verifying the accuracy of the data you provide; we are not responsible for losses resulting from user error.
Bitcoin is not an asset issued or generated by us. It operates on or through a decentralized blockchain that is not developed, operated, or updated by us and which, consequently, may be subject to modifications, forks (soft or hard forks), failures or service interruptions, extended transaction processing times, or changes in its fees or commissions for reasons beyond our control. Bitcoin is not considered by us (nor should it be considered by Users) to be a security, negotiable instrument, security or a financial instrument under Mexican, foreign, or international law. Bitcoin is not legal tender in the jurisdictions where we operate; it has no binding force and is not backed by any government or central bank.

3. Definitions

Vulnerable Activity: Refers to activities that, under Mexico's Federal Law for the Prevention and Identification of Operations with Illicit Proceeds, are considered susceptible to being used for money laundering and, therefore, require registration and reporting to the SAT.
Digital Asset: A digital representation that can be stored and transferred electronically, using a Distributed Ledger Technology system, or similar or analogous technology, in which records are linked and encrypted to protect the security and privacy of transactions.. In the context of these Terms, refers specifically to Bitcoin.
Virtual Asset: Under the terms established by article 30 of the Mexican LRITF, an electronically recorded representation of value used by the public as a means of payment for all types of legal acts, the transfer of which can only be carried out electronically. In the context of these Terms, this refers specifically to Bitcoin.
Aureo El Salvador: Refers to Swapido S.A.S. de C.V., incorporated under the laws of the Republic of El Salvador, which is the main provider of the Services and the contractual counterparty of the Users, unless expressly indicated otherwise.
Aureo Mexico: Refers to the company Soluciones Tecnologicas Nagumatech, S.A.P.I. de C.V., incorporated under the laws of Mexico, which acts solely as a commission agent for the processing of payments and for compliance in Mexico with Aureo El Salvador's obligations regarding the prevention and identification of operations with resources of illicit origin.
Bitcoin: Refers to the decentralized digital asset based on the blockchain network of the same name (BTC), including transactions made both on the main network ("on-chain") and on the Lightning Network.
BCR: Refers to the Central Reserve Bank of El Salvador, the entity that grants the Bitcoin Service Provider license.
CLABE: Refers to the Standardized Banking Code, an 18-digit number used in Mexico to uniquely identify bank accounts in the interbank transfer system.
Chargeback: It is the cancellation or reversal of a previously made payment, initiated by the holder of the issuing bank account.
Account: Refers to the User's registration on the Platform that allows them to access the Services, and includes the custodial digital wallet where their Bitcoin balances are recorded, managed, and stored.
KYC (Know Your Customer): Refers to the "Know Your Customer" processes, through which we verify the identity of our Users to comply with applicable regulations.
Mexican Pesos (MXN): Refers to the legal tender in the United Mexican States, used for Bitcoin purchase and sale operations on the Platform.
Platform: means the website, application, interface, or software development, regardless of its name, through which Users access the Services. We may unilaterally modify the name of the Platform, its format, and its operation at any time.
PLD/FT: Refers to the practices and regulations for the Prevention of Money Laundering and Terrorist Financing.
Lightning Network: It is a second-layer payment protocol that operates over the Bitcoin network, designed to enable instant, low-cost transactions.
SAT: Refers to the Tax Administration Service, the fiscal body of the federal government of Mexico.
Services: are the services we provide through the Platform, as described in clause 6 of these terms and conditions.
SSF: Refers to the Superintendency of the Financial System of El Salvador, the entity that oversees Bitcoin service providers.
HOPE: Refers to the Interbank Electronic Payment System operated by the Bank of Mexico, which allows for real-time electronic money transfers.
TBC: Refers to The Bitcoin Company Inc., a third-party provider that operates the service of selling Bitcoin in exchange for Mexican Pesos.
User(s): These are the people who, after accepting these terms and conditions, use the Services offered through the Platform.

4. Object

By using our Platform as a User, you acknowledge that you are freely, voluntarily, and electronically entering into a Site and Platform usage agreement with us. This agreement includes these terms and conditions, our privacy policy, and any other binding documents published on our Platform or that we make available to you through any other means.

For Users to consent to this Agreement, they represent and warrant that: (i) they are at least 18 years of age and have full legal capacity to enter into a binding contract; (ii) the execution and performance of this Agreement does not violate any applicable legal provision or any other agreement to which they are a party; (iii) no law or regulation in their jurisdiction of residence prohibits or restricts them from using the Services; and (iv) they have read and agreed to these Terms and Conditions.

5. Use of the Platform

Property Rights: We own the Platform and the related applications. Within the framework of this ownership, we authorize Users to consult, review, and use the material we distribute on the Platform solely for your 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.
Use in one's own name: Users who accept these terms and conditions accept and declare that they are purchasing the services to satisfy a personal need and will refrain from purchasing the services on behalf of a third party. If a User purchases the services on behalf of a legal entity or a third party, they must demonstrate that they are fully authorized to bind themselves and/or represent said third party. If they are not authorized, the purchaser will be personally liable for the obligations incurred in accordance with these terms and conditions.
Prohibited uses. The use of the Platform is prohibited to transmit, distribute, store or destroy material or content: (i) in violation of any applicable law or regulation, (ii) in a manner that infringes the copyright, trademark, trade secret or other intellectual property rights of any third party, or in a manner that violates the privacy, publicity or other personal rights of any third party, or (iii) in a manner that is defamatory, obscene, threatening, or abusive. Specifically, Users are prohibited from engaging in the following activities:
1. Illegal Activities: Use the Services for any illegal purpose, including, but not limited to, money laundering, terrorist financing, fraud, tax evasion, pyramid schemes, or the purchase and sale of illicit goods or services.
2. Unauthorized Financial Services: Act as an intermediary, broker, or reseller of our Services to process third-party transactions without our express written authorization.
3. Account Abuse: Creating multiple accounts for personal use, registering on behalf of a third party without proper authorization, impersonating any person, or circumventing account limits, suspensions, or terminations.
4. Fraud and Manipulation: Attempt or engage in any act to defraud Aureo El Salvador or other Users, make unauthorized requests for information (phishing), or any other manipulative conduct that affects the integrity of the Platform.
5. Delete or edit any material we include on the Platform without proper authorization.
6. Attempt to test or compromise the vulnerability of a system or network without proper authorization or to violate any security or authentication measures we have implemented.
7. Use any item, design, software or routine to interfere or attempt to interfere with the proper working of the Platform or any activity that is carried out in the Platform.
8. Interfere with or disrupt the Services provided to another User, server or network through viruses, malware, spyware or any other similar tools.
9. Sending unsolicited information (spam), including promotions or advertising for products, events, or services, or any program or application intended to damage, interfere with, intercept, or appropriate any system, data, or information.
10. In general, include or place in the Platform false, inaccurate, incomplete or misleading information.
Links to other websites. The Platform may contain links to third-party websites. 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 links do so at their own risk and in accordance with the policies of each such website.

6 Description and Scope of Services

Below is a description of the Services we provide:

Bitcoin Purchase Service: This service allows the user to purchase Bitcoin using Mexican Pesos (MXN). The process works as follows:
1. Payment by Bank Transfer: The User transfers Mexican Pesos (MXN) through SPEI to the CLABE account designated by the Platform. The transfer must be from a bank account strictly owned by the User. Aureo México is not the commercial counterparty of the Users, but rather a payment service provider for Aureo El Salvador. Therefore, there will be no legal or commercial relationship between the Users and Aureo México, without prejudice to the Users' obligation to provide Aureo México with the information it requests to comply with its AML/CFT obligations.
  1. Automatic Execution: Once the system detects the payment, the Platform executes the Bitcoin purchase immediately and automatically. By sending the funds, the User agrees that the exchange rate in effect at the time of execution will be applied, not before.
  2. Accreditation: The resulting Bitcoin amount is instantly credited to the User's Account within the Platform, to be held in custody under the terms established by clause 6.3 below.
2. Bitcoin Selling Service (Third Party Service): This service is provided and operated entirely by a third-party provider, TBC. The Platform acts as a technological intermediary to connect the User with TBC. By using this service, the User acknowledges and agrees that he or she is subject to the terms and conditions of TBC, as modified from time to time, and it is the sole responsibility of Users to monitor their updates. The process is as follows:
  1. Beginning of the Order: The User specifies the amount of Bitcoin to be sold and enters the details of the bank account in Mexico that will receive the Mexican Pesos (MXN), which may be their own or that of a third party.
  2. Bitcoin Invoice Payment: The Platform generates a Lightning Network "invoice" for the User to send the specified Bitcoin amount directly to TBC. This "invoice" must be paid from an external wallet controlled or owned by the User within a specified timeframe.
  3. Sending Weights: Once TBC confirms receipt of payment through our Platform interface, it proceeds to send the agreed amount of Mexican pesos to the recipient's account. We assume no liability for TBC's non-compliance or defective performance, and Users agree to adhere to any commercial or identification guidelines and policies that TBC implements or may implement.
3. Bitcoin Custody and Withdrawal
  1. Custody: The User's Bitcoin balance is held in their Platform Account, under the custody of Aureo El Salvador. Users acknowledge that this activity involves the custody of the cryptographic keys necessary to carry out transactions with Digital Assets or Virtual Assets and not the custody of balances in national or foreign currency.
  2. Withdrawal: At any time, the User may request a withdrawal of their Bitcoin balance from their Account to an external wallet, either through the main Bitcoin network (on-chain) or the Lightning Network. Applicable network fees will be deducted from the withdrawal amount and will be displayed to the User before confirming the transaction.
4. Information or Content Services: These are those we provide for informational or advertising purposes, or to optimize our search engine ranking, 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, tax, accounting, investment, or any other type of advice or consultancy. Users acknowledge that the criteria and assumptions specific to their particular situation should be consulted with specialists outside of Us and that they should not act based on the information we provide. We are not responsible to Users for the content of web pages that have links to this page or the content of those to which links lead.

7. Services Excluded or Not Provided by the Platform

For the avoidance of doubt, the User acknowledges and accepts that Aureo El Salvador does not offer, nor should it be construed as a provider of, the following services:

Custody or Fiat Currency Accounts: The Platform is not a bank deposit account, nor does it allow holding balances in local or foreign currencies (such as Mexican pesos or US dollars). Payments received in fiat currency are immediately applied to the execution of the Bitcoin purchase transaction (i.e., payment of the consideration or exchange rate).
Support for Other Digital Assets: Our services are limited exclusively to Bitcoin (BTC). We do not accept, store, or process any other Digital Assets, Virtual Assets, cryptocurrencies, tokens, or stablecoins. Any attempt to send a digital asset other than Bitcoin to the Platform will result in the permanent and irrecoverable loss of said funds, with no liability for Aureo El Salvador.
Advanced Exchange Features: We do not operate as an order-book exchange. We do not offer advanced trading tools such as limit orders, margin trading, futures, or derivatives.
Loan or Interest-Bearing Services: We do not offer credit products, loans, or services that generate returns or interest on Bitcoin balances.
Money Transfer (Remittances): We do not operate as a money transfer company or remittance service. The functionality that allows you to designate a third party as the beneficiary in a Bitcoin sale constitutes solely the execution of a payment instruction using the User's own funds (assignment of creditor rights), and not a money transfer service.

8. User Registration and Rules Related to Your Account

Registration: To access our Services, Users must complete registration, create an account, and log in to the Platform. We reserve the right to request information and/or documentation to verify your identity, in accordance with our Know Your Customer (KYC) policies and to comply with anti-money laundering (AML/CFT) regulations. You agree to provide truthful, complete, and up-to-date information during this process.

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.

Account Maintenance: Users agree to keep their accounts up-to-date and provide true, complete, and accurate information. Users are responsible for any damage, loss, or inconvenience caused by providing false, misleading, erroneous, or inaccurate information. We reserve the right to cancel, suspend, limit, or disable the account if the information provided to us is false, misleading, erroneous, or inaccurate. We expressly reserve the right to cancel an existing account for any reason if we deem it appropriate.

User accounts are personal, unique, and non-transferable, meaning they may not be assigned or subject to any other commercial transaction not expressly recognized by these terms and conditions. As part of this personal nature, the User declares that all funds used to purchase Bitcoin come from legitimate sources and are their own property. Transfers of Mexican pesos for the purchase of Bitcoin must, without exception, be made from a bank account in the name of the account holder on the Platform.

Users are responsible for any unauthorized use of their login credentials by any third party, whether intentionally or unintentionally, or by any third party who may access them, due to acts committed by or attributable to them. Users are obligated to immediately inform us of any unauthorized use of their account, as well as any unauthorized third party accessing it.

Users will be solely responsible for the activity and content managed from their account, including any Service requests made.

Reasons for rejection, suspension and/or deactivation of accounts. We reserve the right to cancel, suspend, or disable any account when any of the following events occur:
1. The opening of accounts will be rejected for Users who do not meet the requirements established by the Platform, as well as for Users potentially linked to illegal activities or on any type of blacklist or sanction list.
2. If false, incorrect, mistaken, inaccurate, erroneous or misleading information is found, the account will be terminated.
3. If a User fails to comply with any of their obligations regarding the Platform, their account will be suspended. If the breach is persistent or repeated, the account will be terminated.
4. When an illegal transaction or an operation that threatens the security of property or people is carried out through an account, the account will be terminated.
5. When account security is compromised, whether through our detection or notification by the User, we may temporarily suspend it to prevent harm.
6. When we are required by law or by a court order from a competent authority.
7. When an account remains inactive, without logins or transactions, for an uninterrupted period exceeding 24 months.
8. When inappropriate language is used in your interactions. Inappropriate language is defined as language that is disrespectful and damages the honor and reputation of others.
9. When the User is detected attempting to evade compliance controls or reporting thresholds by splitting transactions into smaller amounts (smiurfing) or any other form of "structuring."

9. Service Coverage

The Services are offered and provided by Aureo El Salvador from the Republic of El Salvador. While the Platform may be accessible from various geographic locations, functionality involving fiat currency is limited to the Mexican banking system. Specifically:

For the Purchase of Bitcoin: The User must make the payment by SPEI transfer in Mexican Pesos (MXN) from a Mexican bank account in his or her name.
For Sale of Bitcoin: The recipient of the transfer in Mexican Pesos (MXN) must have a bank account in Mexico.

Additionally, the use of our Services is strictly prohibited to any person who is a resident, citizen or located in a jurisdiction that (a) maintains low standards or controls of compliance and international cooperation in matters of prevention of money laundering, terrorist financing or financial crimes; (b) does not cooperate with international monitoring or information exchange bodies; (c) is subject to sanctions, restrictions or measures issued by international or supranational bodies, including, among others, the Office of Foreign Assets Control (OFAC), the United Nations (UN), the European Union, or other equivalent authorities; or*(d)* is considered high risk or included in restrictive lists, sanctions lists or lists of non-cooperative jurisdictions by recognized organizations or competent authorities.

We reserve the right to refuse registration or suspend/terminate the account of any user we determine is violating this policy. This list may be updated at any time and without prior notice to reflect changes in our risk policies and sanctions list.

10. Billing, Collection, Taxes and Payment

Collection and Commissions

By using the Services, you agree to the following cost and fee structure:

Exchange Rate Margin: Our primary compensation is incorporated as a margin (or "spread") into the price or consideration presented to you for buying or selling Bitcoin. You acknowledge that the quoted price includes our commission and may differ from the market price. No separate commissions are added to the displayed price unless explicitly stated.
Network Commissions: The User is solely responsible for covering any network fees applicable to Bitcoin withdrawals (mining fees for on-chain transactions or routing fees for the Lightning Network). These fees are inherent to the Bitcoin network and are not set by Us. You will be shown an estimate of these fees before confirming any withdrawal.
Payment Processing Fees: We currently do not apply additional fees for processing transfers through SPEI or any other system in other jurisdictions where we operate. However, we reserve the right to introduce them in the future. It is the User's responsibility to check the Platform for any new fees before sending a payment.
1. Acceptance of Charges
For Bitcoin Purchases: Purchase transactions are executed automatically upon detection of your SPEI transfer. No guaranteed pre-quote is presented. By submitting payment, you accept the price or consideration in effect on the Platform at the exact time of execution. Details of the transaction will be available in your transaction history.
For Bitcoin Sales and Withdrawals: For these transactions, the Platform will always display a confirmation screen with a breakdown of the amounts, applicable price, and estimated network fees (for withdrawals) before you authorize the transaction. Your authorization on this screen constitutes your acceptance of all detailed costs.
1. Billing
Bitcoin purchase transactions are carried out with Aureo El Salvador as the counterparty, and the tax implications of such transactions will adhere to the rules regarding transfers within national territory, import, or export of goods, in accordance with the tax residence of the corresponding User. Therefore, we will make the withholdings and calculations that we are required to make, where applicable, in accordance with said rules.

Bitcoin sales transactions are conducted with TBC as the counterparty, and Users acknowledge that the tax implications of such transactions will be governed by TBC's terms, conditions, and policies, without any liability on our part.

The transaction history available in your Account will serve as the sole proof of the transactions carried out.
1. Taxes.
The responsibility to declare, withhold and pay all applicable taxes in accordance with applicable laws, regulations or any applicable ordinances in force shall be borne by the corresponding party. We do not withhold or pay taxes on behalf of the User, nor do we add value-added taxes (VAT) or similar taxes to our commissions.
1. Right to Collect Chargebacks and Post-Closing Debts
Closing your account does not extinguish any debt you owe us. If, after we have credited and/or allowed you to withdraw your Bitcoin, we receive a chargeback or a reversal of the SPEI transfer payment you made, you will be responsible for reimbursing us for the full amount of that transaction. You authorize us to use any legal means to recover the debt, and we reserve the right to take all collection and legal actions we deem necessary.

11. Quality Standards and Service Assurance

We will do our best to provide the Services to the quality Users expect, subject to these terms and conditions.

However, the Services are provided without warranty and are provided in accordance with these terms and conditions and any other applicable documents.

Users accept that the Services are provided “as is" (as is), which means that there is no express or implied warranty regarding the provision of the Platform service.

The sole remedy available to Users in connection with the Services provided by the Platform is to cancel their account and cease using the Platform.

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 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 at https://aureobitcoin.com/es/privacy.

13. Our Responsibility

In no event will we (including our directors, employees, and agents) be liable for any indirect, special, consequential, or punitive damages, or for any loss of profits, revenue, data, business opportunities, or goodwill. Specifically, we will not be liable for losses arising from:

Market Volatility: Fluctuations in the price of Bitcoin.
Third Party Actions: Any act, error, or omission of a third party, including, but not limited to, any service or product advertised through the Platform, or any third party's failure to perform any service or product advertised or made available through the Platform.
User Errors: Any negligence by the User in the management of his/her Account or transactions.
Technical Failures: Interruptions or technical failures not caused by (or attributable to) us, such as infrastructure failures, failures or congestion of the Bitcoin and Lightning networks, or hacks despite reasonable security measures.
Platform Content: Errors, misprints or inadvertent omissions in the information presented on the Platform.
Legal Compliance: Actions we take in good faith to comply with the law or requests from authorities, such as suspending an account, even if such actions cause you inconvenience.
1. Maximum Financial Responsibility Limit
In the event that, despite the foregoing, Aureo El Salvador is determined to have direct liability to you, the total and cumulative liability for any claim shall not, under any circumstances, exceed the amount of $100.00 USD (one hundred United States dollars).
1. User's Sole Remedy and Basis of Agreement
The User acknowledges that these limitations of liability are a fundamental and essential part of the basis of this agreement. The User's sole remedy in the event of dissatisfaction with the Service is to cease using it and request the closure of their Account. If you do not agree with these limitations, you should not use the Platform.
1. Force Majeure
We will not be liable for any failure if it is caused by events beyond our reasonable control (force majeure), including, without limitation, natural disasters, pandemics, war, or significant regulatory changes.

14. Service level agreements

We will strive to maintain a 98% Platform Availability, measured monthly. For the purposes of this agreement, "Availability" refers to the ability of Users to log in to the Platform and use its core features, operated directly by Aureo El Salvador.

The Availability calculation will explicitly exclude any downtime resulting from:

Failures in Third-Party Services: Problems, interruptions, or maintenance in our partners' systems, including, but not limited to, our Bitcoin sales service provider (TBC) and the Mexican banking system (SPEI).
Faults Inherent in External Networks: Performance or availability issues with the Bitcoin or Lightning Network, such as network congestion, slow confirmation times, or routing failures.
Scheduled Maintenance: Maintenance periods for our Platform that are notified to Users in advance.
User-Side Problems: Failures in the User's internet connection, hardware or software.

15. Platform Failures

We are not responsible for any damage, harm, or loss caused by server-related Platform failures, service interruptions, or Internet availability. We are also not responsible for any viruses that may infect Users' equipment as a result of accessing or using the Platform or as a result of any transfer of data, files, images, text, or audio contained therein. Users may not incur any liability or demand payment for lost profits due to damages resulting from technical difficulties or Internet system failures. We do not guarantee continued or uninterrupted access to and use of the Platform beyond what is stated in the Service Level Agreements.

The Platform may occasionally be unavailable due to technical difficulties or internet outages, or any other circumstance beyond our control; we understand that we will endeavor to restore it as quickly as possible, without incurring any liability for this.

In the event of a service interruption during a transaction (for example, if the User sent an SPEI payment but confirmation is delayed due to an outage), we undertake to resolve the transaction as soon as the systems are restored. However, the User agrees that we will not be liable for any losses or inconveniences suffered due to such interruptions and waives any claims against us for these reasons.

Likewise, in the event that a transaction is executed incorrectly due to a system failure (such as a manifest error in the exchange rate, a duplicate payment, etc.), we reserve the right to cancel, reverse, or adjust the transaction to correct the error. If the User receives an amount to which they are not entitled, they agree to cooperate in its return. Both parties agree that neither party shall be unjustly enriched due to an obvious system error.

16. Hyperlinks to other websites and use of cookies

Users agree that we may use cookies and other similar technologies, both on the Platform, its content, services, and in emails sent to Users, for the purposes of authentication, 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, consumer behavior of Platform buyers and the results of the activities carried out therein, determining who has opened the email sent and the format in which they did so. These tools allow us to obtain, 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 others.

Users can configure their browser to disable and delete cookies. In this case, although they may continue to visit the Platform, access to certain features of the Platform may be restricted.

17. Intellectual Property

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

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

The use of the Platform's applications and software by Users does not imply any transfer of our industrial property rights or copyrights over such content or the Platform. Authorized uses will be limited 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 granted uses must be interpreted restrictively.

Users 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 the respective owners, or else we will be liable to compensate the affected party for any damage or loss caused by their failure to comply with this section.

18. Modifications

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

We may make updates and changes to these terms and conditions, including their appearance, features, and content, and they may be changed or modified as new features or functionality are developed, without any additional commitments. The new terms and conditions will apply from the day Users are informed of the corresponding modifications. (i) through a general notification, banner or popup on the Platform; (ii) through a notification sent to the contact methods that Users have registered on the Platform; (iii) within one business day following the date on which the updated version is published on the Platform, or (iv) from the first act of interaction that Users carry out with the Platform, whichever occurs first.

19. 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, telephone number, or other means of contact you have registered in your account or profile, and you acknowledge such means as valid for hearing and receiving commercial or legal notifications.

By virtue of the foregoing, you acknowledge your obligation to keep your means of contact updated in your account or profile and you release us from liability for any information or communication that we send you and that is not received because the information is incorrect or outdated, because the inbox is saturated or blocked, because the information has been filtered or classified asspam or unwanted, or for any similar reason.

20. Applicable Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of El Salvador, without giving effect to any conflict of law provisions.

For any dispute that cannot be resolved through the dispute resolution mechanisms described in this document, the User agrees to submit to the exclusive jurisdiction of the competent courts of the city of San Salvador, El Salvador, waiving any other jurisdiction that may apply to them based on their current or future domicile.

21. Conflict Resolution

The User accepts that for any divergence or discrepancy that arises during the use of the Platform, a term of thirty (30) calendar days will apply, counted from the date of the claim, for us to resolve the differences by resorting to direct negotiation or conciliation. If, after this time, no agreement is reached, both the User and We will be free to resort to ordinary justice or the appropriate authority.

Claims must be channelled through the email address found in the box in section 1 of these Terms and Conditions. If, after this time, the User does not receive a response from us, the User is free to contact the Superintendency of the Financial System:atencionalusuario@ssf.gob.sv.

Class Actions and Other Waivers: You agree that any dispute between you and Aureo El Salvador will be resolved individually, and you waive any right to participate in a class action or representative action against us. This means you cannot sue us as part of a class or bring claims on behalf of others. Any arbitration or trial, if any, will be solely between you and Aureo El Salvador.

Waiver of Jury Trial: You and we also waive any right to a jury trial in any litigation related to this Agreement, to the extent permitted by law.

22. Miscellaneous Provisions

Contract Integrity: These Terms (together with the Privacy Notice and any other policies or addendums referenced herein) constitute the entire agreement between you and Aureo El Salvador regarding the Services. They supersede and cancel any prior agreements or communications (whether oral or written) relating to the subject matter hereof. You acknowledge that you have not relied on any statements or representations not contained in these documents when accepting this agreement.
Divisibility: If any provision of these Terms is held to be invalid, unlawful, or unenforceable by a court of competent jurisdiction, that provision will be enforced to the maximum extent permissible, and the remaining provisions of these Terms will remain in full force and effect. That is, if a provision is held invalid, the remainder of the Agreement will not be affected.
No Resignation: Our failure to exercise or delay in exercising any right, power, or privilege under these Terms will not operate as a waiver of that right or remedy. Similarly, the sole or partial exercise of any right or remedy will not preclude the subsequent exercise of that or any other right or remedy. Simply put, our failure to act promptly upon a breach by you or someone else will not operate as a waiver of our right to enforce these Terms later.
Cesion: You may not assign or transfer any of your rights or obligations under these Terms without our prior written consent. Any attempted assignment without consent will be void. Aureo El Salvador may assign or transfer this Agreement or any of its rights or obligations hereunder to any affiliate or in connection with a merger, acquisition, corporate restructuring, or sale of all or substantially all of its assets, or by operation of law, and you hereby consent to such assignment. These Terms will be binding upon and inure to the benefit of the parties, their successors, and permitted assigns.
Language: These Terms are provided in both Spanish and English. In the event of any discrepancy or ambiguity between the English and Spanish versions, the Spanish version shall prevail, as it is the language of this agreement for legal purposes in Mexico. However, both versions shall be construed to reflect the same intent.
Survival: Any sections of these Terms that by their nature should survive termination of this Agreement (such as indemnification obligations, limitations of liability, dispute resolution provisions, etc.) will survive and remain in effect after the termination or expiration of the contractual relationship between you and Aureo El Salvador.
Headings: Any section titles and summaries we may have provided (for example, introductions in italics) are for convenience only and do not affect the interpretation of the Terms.