TERMS AND CONDITIONS

These Terms and Conditions (hereinafter Terms) establish, in a general way, the rules that are applicable to the services provided by PIRMIN S.A. de C.V., through its platform, application, website, and/or any other means intended to comply with them; it is the responsibility of the user to read and understand this document in its entirety and in case of not agreeing with the provisions of all or part of the Terms, he/she must refrain from registering and continue using any of the means and/or services provided by PIRMIN S.A. de C.V., as well as browsing its website, applications or platforms.

By deciding to click on the "Accept Terms and Conditions" box, you fully accept the provisions of this document, committing yourself to comply with each and every one of the conditions and obligations established herein, which are established in accordance with the following:

I. Definitions.

For the purposes of these Terms and in order to avoid errors, the definitions indicated below will have the meaning attributed to them herein, regardless of whether they are used in singular, plural, masculine or feminine form, with the understanding that the same definitions may be used, in other documents and/or annexes that PIRMIN S.A. de C.V. makes available to you. In this case, the definitions set out herein may not be given a meaning other than that of this section.

1. Acquirer or Acquiring Bank (indistinctly). Acquirer or Acquiring Bank (indistinctly). Institution that has authorization from the brands to be able to receive money from transactions carried out by affiliated Merchants or Customers.
2. Affiliation. Affiliation. The numerical series provided by the Acquirer, under which authorization is granted to an affiliated merchant or Customer to carry out card transactions.
3. Application. Application. To the technological means provided by PIRMIN so that Clients can register and access their User account.
4. Clearing House. Clearing House. Entity authorized by the Bank of Mexico, through which the exchange between Acquirers and Issuers of authorization requests, payment authorizations, payment rejections, returns, adjustments or other financial obligations related to card payments, including compensation, is carried out.
5. Channels. Channels. To any of the means that PIRMIN S.A. de C.V. uses to provide the service of accepting payments with cards, which may include, but are not limited to, APIs, Point of Sale Terminals, buttons or payment links, among others.
6. Client. Client. An individual or legal entity that, under the protection of a contract for the provision of services with the Aggregator, accepts payments by cards.
7. Chargeback. Chargeback. Discount made to the Customer for a charge or transaction that for some reason has been questioned or not recognized by the issuing bank, or by the Cardholder.
8. Consideration. Consideration. Payment to be made by the Client to PIRMIN for the services provided.
9. Bank Account. Bank Account. Account opened in a Mexican financial institution, designated by the Client, in which the aggregator will make the deposit of the Client's income less the agreed charges, taxes, fees and considerations.
10. User Account. User Account. To the account obtained by the Client once their registration has been completed, within the PIRMIN website or application.
11. Business days. Business days. Days of the week that financial institutions are obliged not to close their doors or to suspend the provision of their services, in accordance with the calendar published by the CNBV.
12. Customer Prospect. Customer Prospect. To the natural or legal person who is in the process of carrying out the registration; provided that you have not completed the creation of your User Account.
13. Cardholder. Cardholder. Cardholder likely to be used in the card payment network.
14. Cards: Cards: Credit Cards and Debit Cards.

II. Services.

By using this site, the "Client" is bound by these Terms and Conditions, therefore, he accepts and acknowledges that PIRMIN will provide the payment processing service, in its modality of acceptance of payments with credit, debit, prepaid cards and electronic wallets, such acceptance can be carried out through any of the "Channels" provided by PIRMIN. The Client accepts that PIRMIN may add or remove, without prior notice and at any time, the "Channels" used for the acceptance of cards as a means of payment.

In order to make use of the services provided by PIRMIN, the "Client" must register as a user within the corresponding website or application, in accordance with the requirements indicated in numeral 3 of these Terms and Conditions.

The "Client" is fully aware that all the services provided by PIRMIN are aligned and regulated in accordance with the provisions of the legislation issued by the Mexican financial authorities.

The "Client" is fully aware and accepts that, within the platform, website, application and in general, within any PIRMIN channel there may be additional services, which, and according to their nature and/or characteristics, may be subject to specific Terms and Conditions, to which the "Client" must adhere, in case they wish to contract them, without this implying that these Terms are not applicable to the provision of services to which you are entitled.

III. Registration.

In order to use the services provided by PIRMIN, the "Client" undertakes to create and maintain active the "User Account", which must be created through the PIRMIN website or mobile application, within the [Registration] section, said account will be linked to the transactions processed by the client and to a deposit account opened in his/her name in a regulated financial institution and registered with the CNBV. Under no circumstances may the "Client" use an account that is not in his name or that has been opened in any institution that is not registered with the indicated authority.

In order to carry out a successful registration, it is necessary for the "Client" to enter true data in each of the requested registration sections, placing only its own, real, updated and reliable information, the "Client" assumes the commitment to keep its information updated at all times and notify PIRMIN, through email contacto@pirmin.com.mx of any change in the registered data, no later than within 5 business days after the modification was made.

PIRMIN will not be responsible for the veracity of the data provided by the "Client" or for changes not notified by the same.

PIRMIN reserves the right to refuse at its sole discretion any request, registration, cancellation, temporary or permanent suspension of any "User Account", as well as to request additional information to corroborate the information declared by the "Client Prospect".

IV. Privacy and data protection.

The Privacy and Protection of Personal Data of customers is an important part of the provision of PIRMIN's services, so through the website https://www.pirmin.com.mx makes available to you the Privacy Notice, which you must read and accept together with these Terms.

All the information provided by the "Clients" in the forms, registrations and in any section within the application or website of PIRMIN will be treated under the guidelines established in the aforementioned Privacy Notice.

The "User Account", access codes, usernames and in general any data and/or information provided by PIRMIN for the management and management of the "User Account" are of a personal, confidential and non-transferable nature, so the custody, use, management and safeguarding of said passwords is the sole and exclusive responsibility of the "Client".

V. Business alliances with third parties.

The "Client" is fully aware that for the provision of some of the services provided by PIRMIN, the intervention of third parties may be required, including, but not limited to, suppliers, participating businesses, service providers, etc. And that such third parties have their own policies and terms, so the "Client" accepts and acknowledges that the use they decide to make of the services provided by the third parties involved, as well as the acceptance or not of their conditions and policies, will be under their responsibility.

As part of PIRMIN's commercial strategy and in order to provide a better service, alliances and commercial agreements have been entered into with different "Business Allies", for which the "Client" accepts that PIRMIN may refer him to said "Commercial Allies", who may offer, contact and promote various services of PIRMIN; however, the final contract is the sole and exclusive faculty of PIRMIN, so in case of being hired, the "Client" must ensure that the final contract is made under these Terms and Conditions.

VI. Prohibited turns.

The "Client" undertakes to declare to PIRMIN and with total transparency and veracity the activities carried out and for which the card payment processing service will be used, being aware that there are transfers and/or activities that are prohibited by various applicable regulatory provisions.

If at the time of making the request to open an account, it is identified that the "Client" performs any of the prohibited activities, PIRMIN will deny the provision of the service, in the same way, if the "Client" is already in operation and it is detected that he performs any or some of the activities and/or transfers not allowed, in addition to the cancellation of his account, the "Client" will be liable to be entitled to the agreed conventional penalties, in addition to the payment of damages and/or losses that may have been caused to PIRMIN due to the performance of said activities, among these damages and/or losses are, including but not limited to, the following: fines for trademarks, pecuniary sanctions by any financial authority, reputational damage, among others.

The "Client" accepts that he/she is solely responsible for ensuring that the commercial activity he/she carries out has all the necessary permits and licenses, in addition, he/she must refrain from carrying out all those activities that PIRMIN notifies as prohibited, abstaining from using any of the means provided by PIRMIN to carry out the same.

The "Client" accepts that in the event that the activity, good or service that he/she sells is restricted due to any modification to the list of prohibited activities, he/she will immediately inform PIRMIN.

The "Client" accepts that PIRMIN will be empowered to monitor the activities carried out and that it may at any time and at its sole discretion, block, partially or totally suspend the dispersion of balances, authorization of transactions or any activity related to them until it is certain that the "Client" is using the platform correctly.

VII. Transaction limit.

The transactional limits applicable to the Client will be established in Annex I corresponding to the contract for the provision of services, adjusting to the volumes and nature of the operation carried out by the Client. PIRMIN may review and adjust such limits by mutual agreement with the Client, based on the transactional history and regulatory compliance, without applying the generic limits pre-established for standard Clients.

VIII. Rates.

The "Client" accepts that during the entire time that he/she uses the PIRMIN platform, the latter will charge the rates agreed in the contract for the provision of his/her services, which may be updated in accordance with the evolution and indices of the market, as well as internal and/or external factors that influence the provision of the service.

Any change in the rates will be notified to the "Client" at least 10 calendar days in advance of its update, in accordance with the means of communication indicated in the contract, to which the "Client" will have a maximum period of 5 business days to express itself in case it does not agree with the new rates. In this case, the contractual relationship must be terminated, in the event that the Client does not make any statement in this regard within the maximum period indicated, each and every one of the new rates will be considered accepted.

IX. Disputes.

The "Client" agrees that in the event that any of those involved in the receipt of payments makes any claim, complaint or opposition to any charge made or transaction made by the Client, PIRMIN will be entitled to withhold the total amount of the transaction, even before the "Client" requests it, if it has sufficient information to consider it as a chargeback, in the same way, it may make the corresponding withholdings once the client has contacted it or vice versa, in this situation, the "Client", will have a period of 5 calendar days, from the time it was contacted by PIRMIN to notify it of the dispute, to provide a justification and the information required to justify said dispute, in that sense PIRMIN will be entitled to withhold the amount corresponding to the dispute until the origin or inadmissibility of the same.

The "Client" is fully aware that the justification of the dispute will be sent to the Purchaser and in turn he will carry out the necessary steps, in order to obtain a final ruling based on the documentation and justification provided, in the event that the dispute is resolved in favor of the "Client", the amount withheld will be fully returned and in case it results in favor of the Cardholder, the amount of the dispute shall be covered in full by the "Client", by accepting these Terms, the "Client" grants PIRMIN the authorization and agrees to cooperate with the necessary information in the event that a further investigation of any transaction is necessary.

X. Reversals, chargebacks, and refunds.

All amounts compensated in the account of the "Client" will be subject to validation by PIRMIN, so the latter is entitled to deduct from the final amount of the sales and/or transactions of the "Client" all those amounts that are computed as a result of a reversal, chargeback and/or request for refund, even when the goods or services offered have been covered or delivered by the "Client".

Likewise, each and every one of the transactions made by the "Client" may be retained by PIRMIN, in order for the latter to ensure that they will not end up resulting in a reversal, chargeback or refund request.

In order to mitigate chargebacks, reversals or refund requests, PIRMIN will make a maximum withholding equivalent to [10%] (ten percent) of all card sales not present made by the "Client" on a daily basis, such withholdings will be made as a "Reserve Fund" which will be returned to the "Client" once the minimum period of 180 calendar days after the date of transaction has elapsed for national cards, and a minimum term of 540 days for international cards; provided that none of the transactions made by the "Client" has suffered any request for reversal, refund and/or chargeback, in case any request has been made, the amount returned to the cardholder will be deducted from the reserve fund, and PIRMIN is obliged to return the remaining amount after having discounted the reversals, chargebacks or refunds made. In the event that the reserve fund retained on a monthly basis is not sufficient, the remaining part of the reserve fund of the following month may be withheld from future sales.

XI. Intellectual Property.

The applications, websites, platforms and, in general, all of PIRMIN's technological infrastructure, as well as its logos, designs and illustrations and all the material that appears in any of its "Channels" such as trademarks, advertising, domains, etc., are the exclusive property of PIRMIN, so they are for the exclusive use and exploitation of the same or the legitimate owner. Additionally, they are protected by the applicable legislation on intellectual property and copyright, so the "Client" is fully aware that it is strictly forbidden to copy, reproduce, transfer or in general make any improper use of them without authorization from PIRMIN.

The "Client" accepts and declares that he/she will refrain from copying, reproducing or attempting to copy and/or reproduce any code or information from the Applications, Websites and/or Platforms of PIRMIN, with full knowledge that he/she may incur the applicable sanctions in terms of intellectual and industrial property, in addition to the conventional penalties established in the Service Provision Contract.

XII. Inactive accounts.

In the event that PIRMIN detects that the "Client" has not made transactions within a period of [60] calendar days, it will proceed to consider its account as inactive, in which case, the following process must be followed:

PIRMIN will transfer the positive amounts of the client to a concentrator account, keeping them in said account until the "Client" requests their return, in case such return is not requested within a maximum period of 10 calendar days, PIRMIN must send a notification via email to the "Client" stating the status of their account and indicating that they must request the transfer of their resources to the account it deems appropriate, as long as it is in their name.

In the event that the "Client" does not request the return of his/her credit balance, and after 90 calendar days from the date of the first email, PIRMIN will send a second email to the "Client" in order to return the balance in his/her account or reactivate it.

In the event of not receiving any response from the "Client", PIRMIN may return it to the account registered by the "Client", and will proceed to cancel the corresponding registration.

In the event that the refund cannot be made for reasons beyond PIRMIN's control, it may maintain the positive balance of the "Client" in the concentrator account and proceed to cancel the affiliation of the same.

XIII. Reviews and audits.

The "Client" accepts that PIRMIN has the right to carry out the reviews and audits it deems necessary in its business, by itself or through any third party, in order to ensure compliance with applicable legislation and regulations.

XIV. Changes and modifications.

PIRMIN reserves the right to make, at any time, changes, modifications and/or additions to these Terms and Conditions, without requiring prior authorization or notification from the "Clients", obliging itself only to make known through any of its "Channels" the latest version of the same.

All modified terms and/or sections will be effective on the day following their publication.

In the event that the "Client" does not agree with the changes made, he/she must notify PIRMIN of the refusal of his/her acceptance no later than within 5 (five) calendar days following the publication of the changes introduced through the following email address contacto@pirmin.com.mx, in this case the "Client" will not be able to continue using the services provided by PIRMIN and must carry out the Cancellation process of User, being disqualified from using any of the Channels provided.

In the event that the period of 5 (five) calendar days has expired, without the "Client" having notified PIRMIN of its opposition, it will be considered that it is in agreement with the new terms.

XV. Assignment.

The Client shall refrain from assigning this Agreement or any obligation resulting from it, without the prior and express approval of PIRMIN, for its part, the latter may assign in whole or in part the obligations arising from these Terms and/or the contract for the provision of services by prior notice to the Client.

XVI. Jurisdiction and Applicable Law.

For all matters related to the compliance, interpretation and execution of these Terms and Conditions, the "Client" agrees to submit to the applicable legislation in Mexico City, as well as to the competent Courts within the same jurisdiction (Mexico City), waiving, in this act and expressly, any other jurisdiction that may correspond to it by reason of its present or future domicile(s).

XVII. Validity.

The "Client" accepts that these Terms and Conditions will be in force indefinitely until both or one of the parties terminates them in accordance with the provisions of the contract for the provision of services.

Date of last update: January 21, 2026.