Terms and Conditions

Terms and Conditions for using the website www.finiva.mx (Website) and the application for mobile phones or devices of FINIVA (FINIVA APP) of FINIVA V FINANCIERA, S.A.P.I. DE C.V., SOFOM, E.N.R. (FINIVA), with address at Corporativo Diamante Santa Fe, Vasco de Quiroga 3900, Floor 10, Colonia Santa Fe, CP 05348, Cuajimalpa de Morelos Borough, Mexico City, Mexico.

These Terms and Conditions apply to all persons who enter or use the Website and/or the FINIVA APP, who have legal capacity to contract (Client) the products or services offered by FINIVA, expressly excluding those who do not have such capacity (specifically minors).

Being a Client of the Website and/or the FINIVA APP implies that you have read and accepted these Terms and Conditions and the Privacy Notice.

FINIVA, at any time, may modify, update, or in any way change the content and scope of these Terms and Conditions.

A. Access to the Website and/or the FINIVA APP.

FINIVA may advertise and publish information, services, content and/or products mainly financial on the Website and/or on the FINIVA APP. The information, services, content and recommendations found on the Website and/or on the FINIVA APP will be for informational purposes only and should not be considered by the Client to make personal decisions.

Access to and use of some of the products or services contained on the Website and/or on the FINIVA APP may be conditioned to the prior contracting, activation or registration, as informed by FINIVA to the Client in the particular conditions of each product or service.

In the registration process on the Website and/or on the FINIVA APP, the Client undertakes to provide authentic and faithful information about themselves and to indicate as email address one of their ownership. In the registration or access process to the Website and/or on the FINIVA APP, electronic authentication means may be used, such as Client, keys or personal identification number (PIN), electronic signature, so the Client agrees to the use of those means.

The Client must keep their access devices (computer and/or mobile phone) updated to obtain an adequate connection to the Website and/or on the FINIVA APP. The Client will be solely responsible for the use of the Website and/or on the FINIVA APP on their access devices.

The FINIVA APP will have updates so that sometimes the Client to use it will have to update the application obtaining the latest version available in the official application stores of the FINIVA APP (App Store) and Android (Google Play Store).

If the Client uses a device or mobile phone different from the one used for registration in the FINIVA APP, FINIVA may request confirmation of certain information to guarantee their security. If FINIVA understands that the information has not been adequately fulfilled to guarantee the Client's identity, it may not authorize the use of the FINIVA APP on their new device as a security measure.

B. Authorized Uses.

The Client undertakes to use the Website and/or the FINIVA APP only for the functions and activities permitted for each product and/or service, and adjusting to the applicable regulations, to these Terms and Conditions, to the principles of good faith and to the generally accepted uses. Any illegal or presumably illegal use that harms or limits the normal use and operation of the Website and/or the FINIVA APP, or that threatens its normal use, whether to the detriment of the Client themselves, of FINIVA or of any third party, is prohibited.

If within the Website and/or the FINIVA APP the creation or publication of comments is available, the Client should not place offensive, denigrating, or slanderous comments, contrary to morality, public order, or the dignity of persons, or that are false, illegal or cause damage or harm to third parties or to FINIVA.

The Client may not place links on the Website, nor install or use the services or content on the Website and/or on the FINIVA APP on their own pages or third parties without prior written authorization from FINIVA. FINIVA has the right to not allow or remove the Client's access to the Website and/or to the FINIVA APP, when FINIVA notices that the Client does not comply with these Terms and Conditions and/or with the Privacy Notice.

C. Responsibility.

FINIVA is not responsible for damage or loss, even to the devices used by the Client to access the Website and/or to the FINIVA APP, when it is due to the Client's or third parties' fault or negligence for misuse or for not complying with the Terms and Conditions and/or the Privacy Notice.

The Client undertakes to maintain the confidentiality of the information to access the Website and/or to the FINIVA APP, that is or may be used as information to authenticate their identity before FINIVA to contract, or activate the services contracted with FINIVA or instruct the performance of operations through the Website and/or to the FINIVA APP, including passwords, users and PIN. The Client will be solely responsible for any activity in the services they have contracted with FINIVA through their access to the FINIVA APP executed with their authentication information.

The Website and/or to the FINIVA APP may include links (links, banners and buttons) to sites, web pages or mobile applications belonging to or managed by third parties with whom FINIVA has entered into some agreement or contract. FINIVA is not nor can be considered as provider of the goods and/or services offered on the web pages, sites and/or mobile applications of third parties; nor is it, nor will it be responsible to the Client for such products and/or services. The use of links to sites and/or mobile applications of third parties that may be available on the Website and/or to the FINIVA APP does not imply FINIVA's recommendation for the access or use of said sites or applications, or the acquisition of the goods or services promoted therein. Access to third party pages through the use of said links will be made at the Client's own risk.

D. Intellectual Property.

The Client acknowledges that FINIVA is the owner of all intellectual property used on the Website and/or on the FINIVA APP. Such intellectual property includes the following: a) trademarks, company names, service names, commercial notices, commercial image, logos, Internet domain names and other distinctive signs, as well as all applications, records, extensions and related renewals; b) patents, patent applications and all related renewals, utility models, utility model applications, addition certificates, extensions and related renewals and invention records; c) industrial design records and renewal applications for industrial designs, extensions and related renewals; d) copyrights, computer programs and designs.

The Client undertakes not to violate, reproduce, imitate, in whole or in part, any intellectual property of FINIVA, as well as not to use any intellectual property of FINIVA for purposes other than those provided in these Terms and Conditions and permitted by the applicable legislation.

E. Cookies.

On the Website and/or on the FINIVA APP, functional cookies are used. The cookies used by FINIVA allow collecting, analyzing and preserving electronic information related to visits to the Website or entries to the FINIVA APP. The cookies we use allow collecting this information automatically at the very moment you access; however, these do not allow individually identifying the persons who visit us. If the Client browses the Website and/or on the FINIVA APP, or sends information through said instruments, we understand that they grant their express consent for the installation of the cookies. For more detailed information about cookies and how you can disable them depending on your browser and operating system, we recommend that the Client visit the website allaboutcookies.org, where they explain step by step how to disable them. The Client must take into account that, if they disable cookies or prevent their installation, it may not be possible to use some functions of the Website and/or on the FINIVA APP completely.

F. Notifications.

Notices and communications will be made through the FINIVA APP or via email. The Client must notify any change of email address within the following 3 business days after the change occurs, otherwise all communications made to the initially indicated email address by the Client will be valid.

G. Applicable Law and Jurisdiction.

These Terms and Conditions will be interpreted under the current Federal Laws and are subject to the jurisdiction of the Competent Federal Courts with headquarters in Mexico City.

Last update date: November 24, 2025.