TERMS AND CONDITIONS

The portal www.kontempo.io (hereinafter, the "Website") is owned by KONTEMPO MEXICO OPS S.A.P.I. de C.V. (hereinafter, "Kontempo"), a corporation established under Mexican law and duly registered with the Public Registry of Commerce with its registered office in Mexico City, Mexico. Kontempo is a Variable Capital Investment Promotion Corporation (S.A.P.I. de C.V.) and, in accordance with Article 87-B of the Law on Credit Auxiliary Organizations and Activities, provides the service of issuing lines of credit. Accordingly, Kontempo is NOT a financial entity. This includes, but is not limited to, banks, financial advisors, popular finance companies, multiple-purpose financial institutions, brokerage firms, credit unions, insurance companies, or bonding companies. Kontempo also does not represent any financial entity or maintain any direct or indirect relationships with any entity in the financial sector.

These Terms and Conditions aim to provide information regarding the online credit services offered by Kontempo, how to acquire them, and the benefits these services provide. They also establish the communication mechanisms between Kontempo and users, including phone, email, text message, or other means.

By accessing or using the Website or mobile application, and by accepting these Terms and Conditions through the mechanisms provided, the User acknowledges having read, understood, and agreed to these Terms and Conditions, and consents to the collection and use of their personal data as set forth in the Privacy Policy available on the Website or mobile application, regardless of whether or not the User is registered.

These Terms and Conditions apply to all visitors, users, and others who access or use the Website and/or the mobile application ("Users").

Kontempo urges Users to read these Terms and Conditions and the Privacy Policy before exploring or using the Website. Access, registration, and/or use of the Website constitutes the User's express acknowledgment and acceptance of these Terms and Conditions, including any modifications. If you do not agree, you should refrain from accessing or browsing the Website.

These Terms and Conditions represent a legally binding agreement. If the User does not agree with them, they must not access or use the Website and/or the mobile application or accept the Terms and Conditions.

Kontempo reserves the right to modify these Terms and Conditions at any time. If changes are made, Kontempo will post a notice of the updated Terms and Conditions on both the Website and mobile application, indicating the last revision date. The revised version becomes effective upon publication. Continued use of services following changes implies acceptance of the updated Terms.

Acceptance of these Terms and use of the services, whether once or repeatedly, implies full acceptance by the User.

References to gender in these Terms shall include all genders. Singular words include the plural, and vice versa. Section headings are for reference only and do not affect interpretation.

1. Use of the Website, Content, and ServicesBy accessing the Website, the User agrees to use it and its content and services in accordance with the law, good faith, accepted customs, public order, and moral standards. Use for unlawful or harmful purposes, or in a manner that interferes with the normal operation of the Website or harms Kontempo or third parties, is prohibited.

All Website content is the exclusive property of Kontempo. Reproduction, translation, transmission, or storage via any means without prior written authorization is prohibited. Personal, non-commercial use is allowed with attribution to Kontempo.

Links to third-party websites are provided for convenience. Kontempo is not responsible for the content of those sites.

2. Information Provided to KontempoBy uploading or providing content (images, comments, videos, etc.) to the Website, Users grant Kontempo express permission to publish it on the Website, social media, and other communication channels for marketing purposes.

Details on how personal data is processed are available in the Privacy Policy. Users must give prior consent before submitting personal data to Kontempo.

3. About the Website and User RegistrationAny User may access the Website via a browser. To request credit, the User must register and authorize data processing. Unregistered Users may browse but cannot apply for a line of credit.

Each registered account includes a username and password. Users are responsible for the confidentiality and use of their credentials and must report unauthorized use.

Users agree to provide accurate and updated information and not share their credentials. Kontempo is not liable for unauthorized third-party use of shared credentials.

4. Third-Party Content and LinksThe Website may include links to third-party sites. Kontempo does not control or guarantee their content or availability and is not liable for any resulting damages.

5. Unauthorized Third PartiesKontempo does not use intermediaries for credit applications, which are processed 100% online via its Platform. Kontempo is not responsible for claims involving unauthorized third parties.

6. User Conduct RulesUsers agree to:

  • Comply with these Terms, the Privacy Policy, and related policies
  • Use content legally and responsibly
  • Ensure the security of their password and account
  • Use the Website only for personal or authorized corporate purposes
  • Not send spam, transmit viruses, or attempt unauthorized access
  • Report any violations via the provided contact channels

7. User LiabilityUsers are responsible for their own and third-party activity using their credentials. Kontempo may deny access for violations and Users must indemnify Kontempo for any breaches.

8. Kontempo Rights and ResponsibilitiesKontempo may:

  • Modify the Website, Terms, and Policies at any time
  • Deny or remove content at its discretion
  • Use user-provided content and data in line with user consents

9. Disclaimer of Warranties and LiabilityKontempo is not liable for:

  • Website unavailability or interruptions
  • Unsuitability of services or content for User expectations
  • Illegal or negligent use by Users
  • Failures by third-party service providers

10. Internet SecurityKontempo does not guarantee the absence of malware on the Website. Users are responsible for ensuring their uploads are free from malicious code and must take necessary security measures.

11. Governing Law and JurisdictionThese Terms are governed by Mexican law. Disputes will be resolved by the courts of Mexico City.

12. Acceptance of TermsBy accessing and using the Platform and Services, Users confirm their full acceptance of these Terms, as per applicable Mexican laws. Users authorize Kontempo to consult their credit history via NIP under Article 28 of the Law for Credit Information Societies.

13. Use of Electronic AuthenticationUsers may consent and access Kontempo services via electronic means, such as a valid digital certificate issued by an authorized Mexican Certification Service Provider.

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