Terms and Conditions

1.1. Access to or use of THE APP implies the full and unreserved adherence of the User to these Terms and Conditions. Through THE APP, the User may use various services and contents offered by the Provider (hereinafter, the "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. In the event of not accepting them, THE USER 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, totally or partially, at its sole discretion, as well as to modify the Services and contents of THE APP at any time and without the need for prior notice.

1.4. THE USER accepts and acknowledges that not all Services and contents are available in all geographic areas and that some of the Services may only be used after their activation or prior registration by THE USER.

1.5. Subject to their applicability, supplementary conditions may be applied to certain Services, such as policies for a particular event, activity or promotion, and said supplementary conditions will be communicated to you in relation to the applicable Services. The supplementary conditions will prevail over the Terms and Conditions in the event of conflict with respect to the applicable Services.

2.1. Subject to the corresponding authorizations, which include 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 the obligation to communicate or state the reasons for its decision, nor incur any compensation.

3.1. The Services will be subject to the interest, commissions, taxes, expenses and other accessories indicated in THE APP. Said payments must be made through the means established for that purpose in THE APP and subject to the agreement created between THE USER and THE PROVIDER.

4.1. In order for THE USER to be able to access all the functionalities of THE APP, a registration to be a user of it will be requested and will provide profile and contact information. Likewise, they must provide truthful, accurate and current information.

4.2. THE USER must read, understand and accept the scope contained in the Terms and Conditions, as well as the Privacy Notice and the other documents incorporated therein by reference, prior to their registration as a user of THE APP. THE USER understands and expressly accepts that by registering in THE APP they grant their express consent for the use and processing of their personal data in accordance with the Privacy Notice.

4.3. THE USER declares that they are a legal citizen who has the capacity to sign contracts/agreements independently, as well as the capacity to comply with the rights and obligations stipulated in these Terms and Conditions.

4.4. THE USER will be solely and exclusively responsible for their account and for keeping secret the access keys with which they enter certain Services.

4.5. The account is personal, unique and non-transferable, and it is prohibited for the same user to register or possess several accounts.

By using THE APP, THE USER accepts and acknowledges:

5.1. To comply with all applicable laws and these Terms and Conditions.

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

5.3. They will ensure that the resources with which they will pay the amounts and interest have been obtained through a source of origin permitted by law.

5.4. They will only use the Internet access point and the account that has been 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. They must not participate in any fraudulent activity.

5.7. They will not damage or impede the normal operation of the network where THE APP runs.

5.8. Not to interfere with the operation or enjoyment of any user of the Services.

5.9. All risk derived from the use of the Services and any service or good requested in relation to them will 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. Fees, data rates and messages of the contracted mobile network may apply.

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.

7.1. The notifications that you will be able to view are: (i) overdue payments; (ii) upcoming payments; (iii) promotions; and (iv) other information related to your account.

7.2. THE PROVIDER may carry out notifications through: (i) text message (SMS), (ii) push notifications, and (iii) other methods permitted by law and agreed by THE USER.

7.3. If THE USER does not want to receive the promotional notifications, they can consult the Privacy Notice to exercise their right of opposition or withdrawal of consent.

8.1. By registering as a "User" and using the Services provided through THE APP, THE USER grants THE PROVIDER their express consent, which may be revoked at any time in accordance with the procedure established in the Privacy Notice, to use, publish, reproduce or in any other way use that non-confidential and non-individual information contained in the communications exchanged between THE PROVIDER and THE USERS, always attending to the privacy policies of THE PROVIDER.

8.2. Through the use of THE APP, THE USER authorizes THE PROVIDER to use, publish, reproduce, disclose, publicly communicate and transmit the non-confidential or non-individual information, in terms of the provisions of article 76 bis of the Federal Consumer Protection Law.

8.3. The Authorization granted by THE USER to THE PROVIDER must not be interpreted as the right of THE USER to exploit the intellectual property rights of such communications and their content.

8.4. Subject to their applicability, THE USER also expressly authorizes in this act THE PROVIDER and by extension any of its auxiliaries and representatives, to carry out all the necessary investigations about their credit behavior, consulting the credit bureau or any other credit information institution.

9.1. They must comply with these Terms and Conditions and all the instructions, procedures and terms in any document that we provide with respect to the use of THE APP and the Services.

9.2. They must pay on their own account to provide and maintain the mobile devices necessary to access THE APP.

9.3. If their mobile device is lost, stolen, damaged and/or no longer possessed, exposes their account information to others, they must notify us immediately.

9.4. They must take all reasonable precautions to detect any unauthorized use of THE APP and the Services.

9.5. They must always comply with the security procedures that we notify them of from time to time.

THE PROVIDER will determine, at its sole discretion, whether THE USER has incurred in a breach of the Terms and Conditions, in which case THE PROVIDER may take the measures it deems appropriate, which may consist of:

10.1. Notification of the breach incurred and reiteration of the corresponding obligations;

10.2. Notification to the competent authorities about acts that imply breach of the Terms and Conditions or of the applicable legal provisions;

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 the damages caused to THE PROVIDER.

11.1. THE USER agrees to hold harmless from any claim and respond to THE PROVIDER and its counselors, directors, employees and agents for any claim, demand, loss, liability and expense (including attorney fees) that derive from: (i) their use of the Services; (ii) their breach or violation of any of these Terms and Conditions; (iii) the use by THE PROVIDER of their content of THE USER; or (iv) their infringement of the rights of any third person.

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.

12.2. THE PROVIDER will not be responsible for indirect, incidental, special damages, including data loss, personal injury or property damage, nor for related damages, or in relation to, or otherwise derived from any use of the Services.

12.3. THE PROVIDER will not be responsible for any damage, liability or loss that derives from: (i) their use of or reliance on the Services or their inability to access or use the Services; or (ii) any transaction or relationship between THE USER and any third person other than those authorized and agreed upon in the contract.

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

13.1. The intellectual property rights with respect to the Services and contents and the distinctive signs and domains of the pages or THE APP, as well as the rights of use and exploitation thereof, 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, so they may not carry out actions such as reproducing, modifying, distributing, decompiling, reverse engineering, etc.

13.3. THE USER does not acquire any intellectual property right by the mere use of the Services and contents of THE APP.

14.1. THE USER agrees that the provisions established in the previous section regarding the ownership of the rights of THE PROVIDER are also applicable to the rights of third parties with respect to the Services and contents 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.

14.3. For the content of third-party sites or applications, we do not offer any express or implied warranty.

14.4. THE USER understands that third-party sites and applications may have privacy policies different from ours.

15.1. Neither THE PROVIDER, nor its suppliers or business partners will be responsible for any damage or loss suffered by THE USER as a consequence of inaccuracies, consultations carried out, advice, typographical errors and changes or improvements that are made periodically to the Services and contents.

16.1. All the information that THE PROVIDER collects from THE USER is treated with absolute confidentiality in accordance with the applicable legal provisions and the Privacy Notice published by THE PROVIDER.

16.2. THE USER must not reveal any confidential information related to our business, affairs, customers or suppliers to anyone at any time and under any circumstances.

17.1. THE PROVIDER reserves the right to revise these "Terms and Conditions" at any time, as well as to make modifications and adapt them to changes to the law. THE USER will be considered informed and bound by the changes to the Terms and Conditions at the moment in which THE USER enters THE APP and makes or continues to make use of any products or services.

17.2. In accordance with the applicable legislation, certain Services will require the installation of protection tools for the information requested, so the service will be denied in the event that the required installation is not accepted.

18.1. THE PROVIDER and THE USER agree that, for everything related to the existence, validity, interpretation, scope, compliance, execution and controversy of these Terms and Conditions, they will submit to the Federal legislation of the United Mexican States and to the jurisdiction of the competent courts based in Mexico City.

19.1. The Terms and Conditions will enter into full force for THE USER as of the date of their access to THE APP and will remain in force, including their modifications, until a reason arises that determines their termination in accordance with the "Terms and Conditions" themselves or by decision of THE USER to cancel their account.

20.1. They may not assign or transfer these Terms and Conditions and the rights over the Services, in whole or in part, without the prior written consent of THE PROVIDER.

20.2. If any provision of these Terms and Conditions is considered illegal, void or unenforceable, whether in whole or in part, in accordance with any legislation, said provision or part thereof will be considered not to form part of these Terms and Conditions.

20.3. These Terms and Conditions constitute all the agreements and understandings of the parties, related to the topics of these Terms and Conditions and replace any previous agreement or understanding.

20.4. The rights of all parties under these Terms and Conditions may be exercised at any time and are cumulative.

20.5. Even after the relationship with THE USER and their access to THE APP is terminated, THE USER will be responsible for the fulfillment of the obligations that are enforceable against them.

20.6. For any question, clarification or claim about the Services, THE CUSTOMER may be directed to the Federal Consumer Protection Agency (PROFECO).

If you have any question or suggestion about these Terms and Conditions, contact us through customer_care@pagoboom.mx, Monday to Friday from 8:00 to 20:00 (CDMX time).