FILGRAF DIXITAL through our portal “http://www.filgraf.com” (hereinafter the “web page”),it is noted that when the user makes the request for a loan, he gives his full and without any reservation, first to the Privacy Notice for the handling of your personal data in the terms indicated in said notice and secondly, it will be subject to the Terms and Conditions that are applicable to the loan that it may or may not be granted, so that all and each of the documents indicated to the user may consult and/or have at their disposal within the "web page". The main clarification is made that the products and services offered by "FILGRAF DIXITAL" are directed solely and exclusively to Mexican natural persons who have the legal capacity to contract, concluding that persons who are minors are expressly excluded, those judicially declared as in a state of interdiction or those limited by any other contract, agreement or commercial relationship, these will always be understood as illustrative but not limitative. The Services offered by "FILGRAF DIXITAL" through the Web Page and/or the Application will be valid solely and exclusively in the territory of the Mexican Republic, so in the event that the Web Page and/or the Application could be accessed from various countries around the world, this will in no case imply that "FILGRAF DIXITAL" authorizes or enables its services and/or content in such countries or in various jurisdictions. Thus, for a better understanding of the user, we can make the following Terms and Conditions available to you: 1. Acceptance. The user understands and accepts that by entering and browsing the Web Page and/or by registering through this means or in the same way they can do so using the application, they unquestionably manifest their full and unreserved will to be subject to these Terms and Conditions, which are mandatory and binding, therefore, if you do not accept or agree with these Terms and Conditions, and/or with the Privacy Notice of "FILGRAF DIXITAL", you must refrain from continue browsing the Website, as well as using the Application. In this sense, it is the responsibility of the user to fully read and understand the conditions established below, before carrying out any procedure within the Website and/or registering and requesting any service in the Application. 2. Proper use and restrictions of Software and Hardware.- Any person who accesses, through the use of a computer, tablet, cell phone and/or any other device with Internet access to the Application and/or the Web Page, You agree not to use said devices, computer programs, software, or any other means to interfere or affect both the functionalities, activities and/or operations of the Application and/or the Website, as well as the databases and / or information contained therein. The user accepts that he is responsible for having compatible software and hardware, the necessary devices, connection to the Internet network, and any other technical requirement necessary for the correct execution of the Application and/or the Website. The user understands that if you access or use the Application and/or browse the Website from a mobile device, the data and message rates and rates of your mobile network provider may apply. 3. Legal Restrictions regarding the Prevention of Money Laundering. - "FILGRAF DIXITAL" and the user undertake to carry out all activities aimed at ensuring that all their personnel in charge, employees, partners, shareholders, administrators, clients, suppliers, etc., and their resources, are not related or come from illegal activities; particularly, money laundering or terrorist financing. In any case, if during the term of the loan reasonable doubts about its operations are found in any of the parties, as well as the origin of its assets and/or that any of them becomes involved in an investigation of any kind. type (criminal, administrative, etc.) related to illegal activities, money laundering or financing of terrorism, or was included in the national or international binding lists for Mexico in accordance with international law (United Nations-UN lists), in OFAC or Clinton lists, etc., the party free of claim will have the right to unilaterally terminate the loan with interest without being obliged to indemnify any type of damage to the party that generated it. From the Registryor, Loan Application, Loan Granting and Payment. I. Registration/Creation, Disabling and Cancellation of an account.- Any user who intends to request the products and services with "FILGRAF DIXITAL" must first register through the Application and/or on the Website, by creating a username and password. by filling out the corresponding application in all its fields; being able to choose, if the option is enabled, the registration of your username and password with the link with your social networks, this to expedite the creation of your account, resulting in "FILGRAF DIXITAL" taking only the necessary data to carry out your record. The user undertakes to maintain the confidentiality of his Password, since he understands that he will be responsible for all operations carried out in and from his account, since access to it is restricted to the entry and use of his password, which is your exclusive knowledge. Account disablement. Without prejudice to other measures, "FILGRAF DIXITAL" may suspend, without any requirement or formality, temporarily or permanently disable the user's account and/or suspend the provision of its services if the user: (a) Violates any law, or any of the stipulations of these Terms and Conditions. (b) Breach their commitments as a user. (c) Incurs in fraudulent conduct or acts at the discretion of FILGRAF DIXITAL. (d) The identity of the user could not be verified or any information provided by the user is erroneous or false. Account cancelation. The User may cancel his account at any time, as long as there is no pending payment obligation in favor of "FILGRAF DIXITAL". II.Personal Data. - The user must fill in each and every one of the fields where he will provide the identification data of the client or user, such as the name, surname, date of birth, home address, contact telephone number, name and reference numbers. of contacts, account number and/or interbank key where the resources will be deposited in the event that the loan requested by the user is authorized, in this act in the same way the same user grants his full consent to "FILGRAF DIXITAL", so that your personal data can be used and processed, as is referred to in the privacy notice that is made available to the general public through the FILGRAF DIXITAL website. The User knows and accepts without any limitation that FILGRAF DIXITAL can consult and store their contacts to automatically complete the data during the application process, stating that each and every one of the contacts located on the mobile phone are indicated by the User as their personal references. credit since to access our service, we require references from the loan applicant. In this sense, the User accepts that we collect and monitor their contact information that includes name, telephone number, account type, last modified contact, favorites and other optional data such as relationship and structural address to allow them to auto-complete the data during the loan application process. This information is necessary for risk analysis purposes, allows us to detect credible references, assess your risk profile and determine your eligibility for the loan. III. User Confirmation and Restrictions. - Once the required data has been entered, the user will receive a confirmation number to the cell phone number indicated in the application and/or web page, this as part of the process for the authentication of their identity, said confirmation must be entered in the Application and o Website to complete the registration. The sending of said codes will be understood by "FILGRAF DIXITAL" that this was done at the request of the user. In the same way, the user will be asked to take a photograph of his voter card on the front and back of the same process, the above is necessary to verify by "FILGRAF DIXITAL" that the user is older of age and can enter into any type of contract regardless of its nature, subsequently the user will be asked to take a Selfie-type photograph, this is to verify in the same way by "FILGRAF DIXITAL" as the user who registered their account is the same person who is requesting the loan and who is of legal age. "FILGRAF DIXITAL" reserves the right to request additional documentation in order to corroborate the data entered in the application, as well as to temporarily or permanently suspend the accounts and/or deny the applications of those users whose data could not be confirmed, whether detected as altered or falsified. The account within the application or on the website is personal, unique and non-transferable, therefore, "FILGRAF DIXITAL" gives you The account holder is strictly prohibited for the same user to register or have more than one account within the page or within the application. In the event that "FILGRAF DIXITAL" detects different accounts that contain matching or related data, it may cancel, suspend or disable them, without any liability. IV. Loan Application. - Once the account is created by the user, they can request a loan within the application or the web page for up to a maximum of $100,000.00 (Onehundred thousand pesos 00/100 National Currency), but as a first point in case the user may be considered by "FILGRAF DIXITAL" as subject to granting a loan for the maximum amount, the same user must generate a history with "FILGRAF DIXITAL" as a client that meets the payment of their loans, so that only the information provided by the user and initially, the minimum amount or the amount that the company considers depending on the level of risk represented by the user may be authorized, subsequently depending on how the user's behavior is, coupled with the fact that he has a good history with the company , is that through the renewal of its loans, "FILGRAF DIXITAL" may authorize the client greater amounts up to the maximum allowed of $100,000.00 (Onehundred thousand pesos 00/100 National Currency). It is pointed out that until the user has been notified within the application or on the website by "FILGRAF DIXITAL" of the authorization of the loan, no granting of the same loan will be understood to have been perfected, for this reason the user understands that the acceptance of these Terms and Conditions does not represent any formal offer by "TIK IN" and does not imply that the loan has been or will be authorized. V. Of the Payment Obligation, the terms to liquidate the loan, ordinary interest and default interest. - Every user who is authorized a loan by "FILGRAF DIXITAL" regardless of the amount thereof, is aware of these terms and conditions, the user at the time of accepting them is performing a contractual act electronically in which the The same applicant acquires a debt for the amount that has been authorized by "TIK IN", so you should be aware that by the simple fact that "FILGRAF DIXITAL" grants you such a loan, an annual weighted interest (CAT) of 36% of the total unpaid balances, however, in the event that the user fails to comply with the payment obligation on the total loan, a default interest will be increased for non-payment, until the user decides to settle the debt. The user with prior notification to "FILGRAF DIXITAL" through writing, electronic communication or telephone call, may make partial payment through electronic transfer and / or through any service provider authorized by "FILGRAF DIXITAL" and has subscribed a agreement, said information will be public through the "FILGRAF DIXITAL" website. On the other hand, as mentioned in section IV, the term of payment of the loan by the user will correspond in the same way as the granting of the loan, thus it will be understood as a minimum term granted for the payment of eight days from As soon as the loan is available to the user, because it generates an acceptable payment history for "FILGRAF DIXITAL", at the time it renews or requests another loan for the authorized amount, the periods of payment will be extended. payment, being able to reach a maximum term of up to ninety days, it is only specified that "FILGRAF DIXITAL" will make said notification through the app and/or website to the user's account and if this notification does not appear, it will be understood that the minimum term payment is for eight days. VI. Management and Use of the Account not authorized by the User. - In the understanding of numeral I that the user is responsible for the account and its passwords, in the event that these are lost, stolen or any situation that arises at the present or future moment, the user has the legal obligation to notify "FILGRAF DIXITAL" immediately in writing, electronically or by telephone of any unauthorized use of your account, as well as the entry by unauthorized third parties to it, therefore it is warned that at the time the user made the registration of the account it is strictly prohibited by "FILGRAF DIXITAL" to make the sale, assignment or transfer of the account. For the aforementioned, "FILGRAF DIXITAL" will not be held responsible for general or typographical errors incurred by the user or due to negligence when using the services of the Application and/or the Website, likewise FILGRAF DIXITAL disclaims liability for negligence. when leaving any electronic device, through which you have access to the Application, the Website and the services, without any attention, reserving the right The fact of rejecting any registration request or canceling a previously accepted request, without being obliged to state the reasons for his decision and without this generating any right to compensation for the user. VII. Submission of Advertising and Marketing. - The user grants his consent to "FILGRAF DIXITAL" so that by any technological means he decides to send him advertising related to the Services it offers and/or for his personal data to be used for marketing and/or advertising purposes. VIII. Publicity of the terms and conditions available to the Public.- "FILGRAF DIXITAL" may establish various contracting/eligibility requirements for each of its products, which can be consulted on the website: http://www.filgraf.com/#. max; as well as the terms may be consulted on the website. IX. Modifications of the Terms and Conditions. "FILGRAF DIXITAL" may modify the Terms and Conditions at any time, making the modified terms public in the Application or on the Website. In case of disagreement by the user regarding the changes made, they must communicate it by email to the following account helver@sunpeso.com within 5 (five) days following the publication of the modifications; In this case, the user's account will be canceled as long as there are no pending amounts in favor of "FILGRAF DIXITAL". After this period, without opposition from the user, it will be considered that the user accepts the new Terms and Conditions. X. Intellectual Property. The user will not acquire under any circumstances any license or right over the intellectual property of "FILGRAF DIXITAL" by the mere use of its App, the Website or its services; therefore, its use cannot be considered as a tacit or express authorization to use the systems and contents for any purpose other than those contemplated by this document. The user acknowledges and accepts that the Application, the Website and any software that is necessary to allow him to access and use his account to request and receive the services of "FILGRAF DIXITAL", contain confidential information of "FILGRAF DIXITAL" and/or third parties, which is protected by intellectual property laws and other applicable laws, likewise, the user acknowledges that the content contained in the Application and the "FILGRAF DIXITAL" Website are the exclusive property and property of "FILGRAF DIXITAL" and consequently Your rights of use and exploitation that include but are not limited to its publication, reproduction, disclosure, transformation and distribution correspond solely to "FILGRAF DIXITAL" and are protected by national and international copyright, trademark, patent, model and industrial designs. The brand called "FILGRAF DIXITAL" is protected in terms of the current Intellectual Property Law. Consequently, the use, download, dissemination, exhibition, exploitation, commercialization and/or any other use, be it partial or total, in an identical way or that confuses to a lesser or greater degree; be by any means, including but not limited to printed, magnetic, optical, electronic or computer, is expressly prohibited without the prior written authorization of "FILGRAF DIXITAL". Any violation of the above or the applicable legislation on intellectual property, industrial, copyright will be considered and prosecuted as a crime. Consequently, the user understands that it is prohibited to give improper use, as well as reproduce all or part of said systems and content. XI. Notifications, jurisdiction and applicable law. All notices and notifications that the parties must or wish to make in relation to these Terms and Conditions, must be made by email, in the case of those addressed to the user to the account that has been provided at the time of registration, and for those addressed to FILGRAF DIXITAL to the contact account indicated in this instrument. The User indicates his address as his address for all legal effects that take place as expressed in the data form for registration. XII. For the interpretation, compliance and execution of this instrument, the parties expressly abide by the Laws in force in the Mexican Republic and submit to the jurisdiction of the Competent Courts based in Mexico City, consequently waiving any other jurisdiction that , due to their present or future domicile or for any other reason that may correspond to them. Having read and understood each of the Terms and Conditions, the user expresses his total acceptance and subjection to any obligation derived from them, when making use of of the Website and/or the Application. XIII Through these terms and conditions, the user expressly authorizes FILGRAF DIXITAL to carry out investigations on credit behavior in credit information companies (SIC) that it deems appropriate. Therefore, he knows the nature and scope of the information that will be requested, the use that will be given to it and that periodic consultations of the credit history can be made. Thus, through the acceptance of these terms and conditions, they will be valid for 3 years from their acceptance or, where appropriate, while the legal relationship subsists, for which the user accepts that said document remains property. of TIK IN for purposes of control and compliance with art. 28 of the LRSIC. XV. The parties agree that the client may express their consent regarding the terms and conditions, as well as have access to the services offered by FILGRAF DIXITAL, through electronic means such as OTP. Having read and understood each of the Terms and Conditions, the user expresses their full acceptance and subjection to any obligation derived from them, when using the Website and/or the Application.
