1.1. Access to or use of THE APP implies THE USER's full and unconditional adhesion to these Terms and Conditions. Through THE APP, THE USER may use various services and content offered by THE PROVIDER (hereinafter "Services").

1.2. By accessing and/or using the Services, THE USER agrees to be legally bound by these Terms and Conditions, which establish a contractual relationship with THE PROVIDER. If THE USER does not accept them, they must not access or use THE APP.

1.3. THE PROVIDER shall at all times have the right to deny, restrict or condition THE USER's access to THE APP, in whole or in part, at its sole discretion, as well as to modify the Services and content of THE APP at any time without prior notice.

1.4. THE USER accepts and acknowledges that not all Services and content are available in all geographic areas, and that some Services may only be used after activation or prior registration by THE USER, as indicated in the applicable documentation.

1.5. Subject to applicability, supplementary conditions may apply to certain Services, such as policies for a particular event, activity or promotion. Such supplementary conditions shall be communicated to THE USER in relation to the applicable Services and shall prevail over these Terms and Conditions in case of conflict.

2.1. Subject to the corresponding authorizations, including the agreement between THE USER and THE PROVIDER, THE PROVIDER may grant THE USER a simple loan to be used exclusively to cover their personal needs.

2.2. THE PROVIDER reserves the right to reject any registration request or cancel a previously accepted registration, without obligation to communicate or disclose the reasons for its decision or to incur any compensation. If the request is rejected for reasons attributable to THE USER, THE PROVIDER may show other options, which will be adjusted according to their payment capacity, but this does not mean that the applicant is obligated to accept such options.

4.1. In order for THE USER to access all features of THE APP, registration will be required, providing profile and contact information. Truthful, accurate and current information must be provided. Existing customers may enter their customer ID to view credit movements and receive related notifications.

4.2. THE USER must read, understand and accept the scope of the Terms and Conditions, as well as the Privacy Notice and other documents incorporated by reference, prior to registering as a user of THE APP.

4.3. THE USER declares that they are a legal citizen with the capacity to independently sign contracts/agreements, as well as the capacity to fulfill the rights and obligations stipulated in these Terms and Conditions. THE USER agrees that the decision to contract the Services is voluntary and assumes the associated risk.

4.4. THE USER will be solely and exclusively responsible for their account and for keeping secret the access credentials used to access certain Services, content of THE APP and other registration information.

4.5. The account is personal, unique and non-transferable. It is prohibited for a single user to register or hold multiple accounts. If THE PROVIDER detects other accounts with matching or related data, it may cancel, suspend or disable them without prior notice.

5.1. To comply with all applicable laws and these Terms and Conditions. If any applicable law or these Terms and Conditions are violated, THE USER will immediately notify THE PROVIDER.

5.2. They will only use THE APP and Services for purposes permitted by law and not falling within the cases established by Articles 139 and 400 Bis of the Federal Criminal Code (these articles prohibit money laundering and terrorism financing).

5.3. They will ensure that the funds used to pay amounts and interest have been obtained or generated from a legally permitted source using their own resources.

5.4. They will only use the Internet access point and account authorized for their personal and non-transferable use.

5.5. Not to violate or encourage others to violate the rights of third parties, including intellectual property rights.

5.6. Not to participate in any fraudulent activities, including impersonating any person or entity, making false affiliation claims, accessing other users' accounts without permission, or falsifying their identity or any information about themselves.

5.7. Not to damage or impede the normal operation of the network on which THE APP runs, nor interfere in any way with the security-related features of the Services.

5.8. Not to interfere with the operation or enjoyment of any user of the Services, including by uploading or spreading viruses, hardware, spyware, worms or other malicious code, or attempting to collect personal information about users or third parties without their consent.

5.9. All risk arising from the use of the Services and any service or good requested in connection with those shall be solely theirs, to the maximum extent permitted by applicable law.

6.1. THE USER is solely responsible for obtaining the data network access necessary to use THE APP. Mobile network data and messaging rates may apply when accessing or using the Services from a wireless device.

6.2. THE USER accepts and acknowledges that the Services may be subject to malfunctions or delays inherent to the use of the Internet and electronic communications, without prejudice to either party.

7.1. Notifications THE USER may receive include: (i) overdue payments; (ii) upcoming payments; (iii) promotions; and (iv) other information related to their account.

7.2. THE PROVIDER may send notifications through: (i) text message (SMS) and (ii) other methods permitted by law and agreed upon by THE USER.

7.3. If THE USER does not wish to receive notifications, they may consult the Privacy Notice for more information.

8.1. By registering as a "User" and using the Services provided through THE APP, THE USER grants THE PROVIDER irrevocable and territorially unrestricted authorization to use, copy, license, publish, reproduce, transmit (including cross-border), modify or otherwise use by all known or future means, including promotional or advertising use, non-confidential and non-individual information contained in communications exchanged between THE PROVIDER and THE USER, as well as any information provided by THE USER, always in accordance with THE PROVIDER's privacy policies.

8.2. By using THE APP, THE USER authorizes THE PROVIDER to use, publish, reproduce, disclose, publicly communicate and transmit non-confidential or non-individual information, pursuant to Article 76 bis of the Federal Consumer Protection Law.

8.3. The authorization granted by THE USER to THE PROVIDER shall not be construed as THE USER's right to exploit the intellectual property rights of such communications and their content, including THE PROVIDER's registered trademarks.

8.4. Subject to applicability, THE USER also expressly authorizes THE PROVIDER and, by extension, any of its auxiliaries and representatives, to carry out all necessary investigations into their credit behavior by consulting the credit bureau or any other credit information institution. THE USER acknowledges the nature and scope of the information that such credit information institutions may provide to THE PROVIDER, and the use THE PROVIDER will make of such information.

9.1. Must comply with these Terms and Conditions and all instructions, procedures and terms in any document we provide regarding the use of THE APP and the Services.

9.2. Must pay at their own cost to provide and maintain the mobile devices necessary to access THE APP and Services in a safe and efficient working condition.

9.3. If their mobile device is lost, stolen, damaged and/or no longer possessed, exposing their account information and credentials to others or affecting our legal rights and/or remedies, must immediately notify us and follow the relevant procedures. We will not assume any liability for the disclosure of account information and credentials to any third party.

9.4. Must take all reasonable precautions to detect any unauthorized use of THE APP and the Services. Must ensure that all communications from us are examined and verified as soon as possible. Must notify us immediately if: (i) there is reason to believe any unauthorized person knows or may know their credentials; and/or (ii) there is reason to believe unauthorized use of the service has occurred or may occur.

9.5. Must always comply with the security procedures we notify from time to time, or any other applicable procedure for the service.

10.1. Notification of the breach incurred and reiteration of the corresponding obligations and the consequences of non-compliance;

10.2. Notification to the competent authorities of acts involving non-compliance with the Terms and Conditions or applicable legal provisions, as well as any relevant data;

10.3. Immediate, temporary or permanent suspension or withdrawal of THE USER's right to use THE APP, and/or legal actions against THE USER to claim damages and losses caused to THE PROVIDER or its affiliates, for causes attributable to THE USER (including, without limitation, reasonable administrative and attorney fees), as well as any other additional legal actions against THE USER.

12.1. THE PROVIDER does not guarantee the availability and continuity of the operation of THE APP and the Services, nor the usefulness of THE APP or the Services in relation to any specific activity. THE PROVIDER shall not be liable for any damage or loss of any nature that may be caused due to the lack of availability or continuity of operation of THE APP and/or the Services offered.

12.2. THE PROVIDER shall not be liable for indirect, incidental or special damages, including data loss, personal injury or property damage, or consequential damages related to, in connection with, or otherwise derived from any use of the Services.

12.3. THE PROVIDER shall not be liable for any damage, liability or loss arising from: (i) your use of or reliance on the Services or your inability to access or use the Services; or (ii) any transaction or relationship between THE USER and any third party other than those authorized and agreed in the contract.

12.4. THE PROVIDER shall not be responsible for delay or failure to perform resulting from causes beyond the reasonable control of THE PROVIDER.

13.1. Intellectual property rights with respect to the Services and content, and the distinctive signs and domains of the pages or THE APP, as well as the rights of use and exploitation thereof, including their disclosure, publication, reproduction, distribution and transformation, are the exclusive property of THE PROVIDER.

13.2. THE APP is the exclusive property of THE PROVIDER and is for the individual use of THE USER, who may not: (i) reproduce, modify, distribute, license, lease, resell, transfer, transmit, retransmit or otherwise exploit it other than as established and permitted in the service; (ii) decompile, reverse engineer or disassemble THE APP in any way; (iii) use any technological and/or computer program to extract, index, analyze or otherwise modify data; or (iv) attempt to gain unauthorized access to or damage any aspect of the Services or their related systems or networks.

13.3. THE USER does not acquire any intellectual property rights through the mere use of the Services and content of THE APP, and such use shall never be considered an authorization or license to use the Services and content for purposes other than those contemplated in these Terms and Conditions.

14.1. THE USER agrees that the provisions established regarding THE PROVIDER's ownership of rights also apply to third-party rights with respect to the Services and content of pages, domains or information presented or linked to THE APP.

14.2. THE PROVIDER may establish links and pointers in services or applications to other websites or mobile applications operated and maintained by third parties. Such links are provided only as indicators of current information that may be useful. However, establishing a link to a third-party site or application is not our recommendation or endorsement of any product, service, information, goods, thoughts or opinions that may exist on such site or application.

14.3 – 14.4. THE USER understands that third-party sites and applications may have different privacy policies from ours, and the security provided may be less than that of THE PROVIDER. THE USER has the right to decide to access third-party sites or applications or purchase or use any product or service advertised or provided on third-party sites or applications.

16.1. All information collected by THE PROVIDER from THE USER is treated with absolute confidentiality in accordance with applicable legal provisions and policies published by THE PROVIDER.

16.2. THE USER must not disclose any confidential information related to our business, affairs, clients or suppliers to anyone at any time and under any circumstances. THE USER undertakes not to appropriate, use or exploit, directly or indirectly, for their own benefit or that of third parties, and not to disclose or reveal to third parties THE PROVIDER's or its clients' confidential information to which they have had, have or will have access in the future.

17.1. THE PROVIDER reserves the right to review these Terms and Conditions at any time, as well as to make modifications to adapt them to changes in law, as well as to applicable market practices. THE USER will be deemed notified and bound by changes to the Terms and Conditions at the time THE USER accesses THE APP and makes or continues to make use of any products or services.

17.2. In accordance with applicable law, certain Services will require the installation of information protection tools, so the service will be denied if the required installation is not accepted.

20.1. You may not assign or transfer these Terms and Conditions and rights over the Services, in whole or in part, without THE PROVIDER's prior written consent. THE USER approves THE PROVIDER to assign or transfer these Terms and Conditions and rights over the Services, in whole or in part, including to: (i) a subsidiary or affiliate; (ii) an acquirer of THE PROVIDER's capital, business or assets; or (iii) a successor through merger.

20.2. If any provision of these Terms and Conditions is found to be illegal, void or unenforceable, in whole or in part, under any applicable law, such provision or part thereof shall be deemed not to form part of these Terms and Conditions, although the legality, validity and enforceability of the remaining provisions shall not be affected.

20.3. These Terms and Conditions constitute the entire agreement and understanding of the parties relating to the subject matter hereof and supersede any prior agreement or understanding reached between the parties on such subject matter.

20.4. The rights of all parties under these Terms and Conditions may be exercised at any time and are cumulative. Rights or remedies provided by law are not excluded and may only be expressly waived in writing. Delay or failure to exercise any right does not constitute a waiver of that right.

20.5. Even after the relationship with THE USER and their access to THE APP and/or the Site (if applicable) has been terminated, THE USER will be responsible for complying with the obligations required of them, arising from their use of the Services.

20.6. For any questions, clarifications or complaints about the Services, THE USER may contact the Federal Consumer Protection Agency (PROFECO) at telephone numbers 55-5568-8722 or at the offices located at Av. José Vasconcelos 208, Col. Condesa, Del. Cuauhtémoc, C.P. 06140, Mexico City.