CONTRATO DE ADHESIÓN DE EMISIÓN Y DEPÓSITO MERCANTIL


 

CONTRATO DE EMISIÓN Y DEPÓSITO MERCANTIL QUE CELEBRAN POR UNA PARTE PagoBiccos, S.A.P.I. DE C.V., I.F.PE., A TRAVÉS DE SU REPRESENTANTE LEGAL ENRIQUE FLAVIANO ACEVEDO ESCOBAR, A QUIEN EN LO SUCESIVO DE LE DENOMINARÁ “PAGOBICCOS”. Y POR LA OTRA PARTE[NOMBRE(S) Y APELLIDOS / DENOMINACIÓN O RAZÓN SOCIAL DEL CLIENTE] , A QUIEN EN LO SUCESIVO SE LE DENOMINARÁ COMO “CLIENTE” Y EN CONJUNTO CON PAGOBICCOS COMO LAS “PARTES”, AL TENOR DE LAS SIGUIENTES DECLARACIONES Y CLÁUSULAS:

 

DECLARACIONES

 

I.- DECLARA “PAGOBICCOS” POR CONDUCTO DE SU APODERADO, QUE:

 

a) Es una persona moral, debidamente constituida de conformidad con las leyes de los Estados Unidos Mexicanos, según se acredita con la escritura pública número 9,502, de fecha 31 de Octubre de 2017, otorgada ante la fe del Lic. Francisco Felipe Garza Zamudio, Notario Sustituto Público número 32, del Estado de Nuevo León, inscrita en el Registro Público de la Propiedad y del Comercio del Estado de Tabasco, bajo el folio mercantil electrónico número N-2017091754, de fecha 15 de Noviembre de 2017.

b) Su representante cuenta con facultades suficientes y necesarias para celebrar el presente Contrato y obligar a “PAGOBICCOS” en los términos del mismo según consta la escritura pública número 9,502, de fecha 31 de Octubre de 2017, otorgada ante la fe del Lic. Francisco Felipe Garza Zamudio, Notario Sustituto Público número 32, del Estado de Nuevo León, inscrita en el Registro Público de la Propiedad y del Comercio del Estado de Tabasco, bajo el folio mercantil electrónico número N-2017091754, de fecha 15 de Noviembre de 2017, mismas facultades que bajo protesta de decir verdad no le han sido revocadas, modificadas o en forma alguna limitadas.

c) PagoBiccos, S.A.P.I. de C.V., en fecha 23 de septiembre de 2019, presentó una solicitud de autorización para operar como una Institución de Fondos de Pago Electrónico ante la Comisión Nacional Bancaria y de Valores, en términos del artículo 11, 12, 22, 23, 25, 35, 36, 39 y demás aplicables y relativos de la Ley para Regular las Instituciones de Tecnología Financiera. Asimismo, en esa misma fecha, PagoBiccos, S.A.P.I. de C.V., presentó una solicitud de autorización al Banco de México para realizar operaciones con moneda extranjera. Lo anterior, en cumplimiento con la disposición octava transitoria de la Ley para Regular las Instituciones de Tecnología Financiera.

En virtud de lo anterior, la autorización para operar como una Institución de Fondos de Pago Electrónico se encuentra en trámite por lo que no es una actividad supervisada por las autoridades mexicanas.

d) That your Federal Taxpayer Registry is: CRI171031JY0.

e) Que has its address located at: Avenida Ricardo Margain # 335 Floor Four Interior A, San Pedro Garza García, Nuevo León, México, C.P. 66265.

f) Es your obligation to validate the data and verify the authenticity of the documents obtained provided by the “CLIENT” at the time of registration on the site.


II.- “THE CUSTOMER” DECLARES [BY ITS OWN RIGHTS / THROUGH ITS AUTHORITY], THAT:

 

a) [It is a legal person, duly constituted in accordance with the laws of the United Mexican States, as evidenced in the information provided on the Site / It is a natural person with the necessary legal capacity to enter into this Contract].

b) The resources that you deposit on the Site are of legal origin.

c) That the Federal Government and the entities of the Parastatal Public Administration will not be able to be responsible or guarantee the funds or resources that are used in the operations that they celebrate with “PAGOBICCOS” or against other clients, nor assume any responsibility for the obligations contracted by “PAGOBICCOS” Or by a client against another, by virtue of the operations that they celebrate.

d) You have read, understood and accepted the terms and conditions and the privacy notice of the site, which for reference may be consulted in [add link terms and conditions] and [add privacy notice link].

CLAUSES

 

FIRST. OBJECT.- The purpose of this contract is to establish the guidelines with which the “CLIENT” may deposit funds or resources in their electronic payment funds account on the site and issue them in accordance with the terms and conditions of the same.

Being assigned individually as follows:

 

“CLIENT”

ELECTRONIC PAYMENT FUNDS ACCOUNT

CLABE

[Nombre Usuario]

65507711263

014580655077112633

 

The “CLIENT” may deposit funds or resources from bank accounts external to the site and to “PAGOBICCOS” or from digital platforms of authorized third parties directly to his electronic payment funds account, likewise, the “CLIENT” may withdraw from his account from electronic payment funds, funds or resources and deposit them in bank accounts external to the site and to “PAGOBICCOS” or to digital platforms of authorized third parties. The foregoing with the understanding that (i) that said deposits or withdrawals will be first deposited in the concentrator account of “PAGOBICCOS” before being sent by it to the external bank account of the “CLIENT” or digital platforms of authorized third parties or to the electronic payment funds account, according to the applicable operation and that (ii) said deposits or withdrawals may take up to twenty-four hours to be reflected in the respective remittance accounts in the case of business days or more than twenty-four hours in the case of non-business days.

 

Notwithstanding the foregoing, the “CLIENT” may make transfers of resources or funds to other clients of the site or make payments by electronic means to other clients of the site, for which the “CLIENT” will issue a transaction order in accordance with the terms and conditions, which will be processed by “PAGOBICCOS” who will proceed to remit the funds or resources in question to the accounts of the recipient clients. Once the transaction is completed, “PAGOBICCOS” will issue a proof of operation in favor of the “CLIENT” in accordance with the provisions of the terms and conditions.

 

PagoBiccos, S.A.P.I. de C.V. On September 23, 2019, it presented the authorization request to operate as an Institution of Electronic Payment Funds, in terms of article 11, 12, 22, 23, 25, 35, 36, 39 and other applicable and relative provisions of the Law for Regulate Financial Technology Institutions. Likewise, on that same date, PagoBiccos, S.A.P.I. de C.V. submitted a request for authorization to Banco de México to carry out operations with foreign currency. The foregoing, in compliance with the eighth transitory provision of the Law to Regulate Financial Technology Institutions.

 

SECOND. ADDITIONAL ITEMS.- The “CLIENT” may consult the balance of and movements in his account of electronic payment funds, his transaction history on the site, verify his account status or status of operations, request a report for a specific period or designate beneficiaries through the procedures established on the site. Likewise, the “CLIENT” may choose to direct his account of electronic payment funds to bank accounts external to the site and to “PAGOBICCOS” or to authorized third party digital platforms. The foregoing subject to the provisions of the terms and conditions.

 

THIRD. COMMISSIONS.- When the “CLIENT” performs any of the activities provided for in the first clause of this Contract, “PAGOBICCOS” will automatically charge the following concepts through the site as commissions:

 

CONCEPTO

COMISION

Comisión de PagoBiccos

$8.00 M.N.

Commission for Payment Method (for the use of bank cards or cards issued by third parties)

3.61% on the total amount of the operation

Third Party Commission - CFE ONLINE

$7.00 M.N.

Third Party Commission - Bank Charges

As applicable each bank

 

QUARTER. VALIDITY.-  This Agreement will remain in effect for as long as the electronic payment funds account remains open on the site.

 

FIFTH. CANCELLATION.- The “CLIENT” will have the right to cancel their electronic payment funds account without any responsibility, in accordance with the procedure established for that purpose by the site and without incurring penalties when they do so within ten business days following the date on which the registered to the site, except for those commissions that have already been accrued by the celebration of operations by the “CLIENT”; For which the procedure included in the sixth clause of this Contract will be followed.

 

SIXTH. TERMINATION.- This contract may be terminated in accordance with the procedure and the causes provided in the terms and conditions of the site, however, “PAGOBICCOS” must issue a termination request report which includes, among others, (i) reference number, (ii) the time and date the termination request was received by the “CLIENT”, (iii) the balance found in the electronic payment funds account, (iv) the way in which said balance will be returned , (v) the information regarding the restrictions that the “CLIENT” has to carry out new operations and (vi) the origin of the cancellation of all additional services that the “CLIENT” had.

 

Without prejudice to the foregoing and in accordance with the provisions of article 28 of the Law to Regulate Financial Technology Institutions, when the “CLIENT's” electronic payment funds account remains inactive for a consecutive and uninterrupted period of three years , “PAGOBICCOS” will send the funds or resources found in the electronic payment funds account to the global account of “PAGOBICCOS”, for which “PAGOBICCOS” must notify the “CLIENT” of said circumstance ninety days in advance of the date of remittance of funds or resources to the global account of “PAGOBICCOS”.

 

SEVENTH. MODIFICATIONS.- Modifications made to this Contract will be notified in accordance with the notification procedure established in the terms and conditions of the site whenever said modifications are approved by the competent authority. However, the user may at any time access the Register of Accession Contracts of the National Commission for the Protection and Defense of Users of Financial Services and verify if the present has undergone any modification.

 

EIGHTH. USER SUPPORT.- The “CLIENT” may at any time contact the Specialized Unit of “PAGOBICCOS” through the procedure established in the terms and conditions of the site, which establishes that the “CLIENT” must contact: soporte@pagobiccos.com. In the same way, the “CLIENT” may directly contact the National Commission for the Protection and Defense of Users of Financial Services through their telephone: 01 800 999 8080 y 53400999, your website: www.gob.mx/condusef or to the mail: asesoría@condusef.gob.mx. Likewise, the “CLIENT” may receive information to avoid technological, cyber and fraud risks in the products and services contracted through the email that he has provided in his registration on the site or through the social networks of “PAGOBICCOS”, which they are: [add social media links].

 

NINTH. NOTIFICATIONS.- Any information that must be notified to the “CLIENT” by “PAGOBICCOS” will be sent through the channels authorized in the terms and conditions of the site.

 

TENTH. CONFIDENTIALITY.- The “PARTIES” agree to maintain in the strictest confidentiality all the information and details related to “PAGOBICCOS”, the “CLIENT”, the site and the activities carried out in it, in accordance with the provisions of the terms and conditions and in your case the privacy notice.

 

ELEVENTH. SOLE AGREEMENT.- This Contract represents the sole and total agreement between the “PARTIES” regarding the object of this present and will prevail over any other agreement or understanding that any of them may have had in the negotiation or preparation thereof.

 

TWELFTH. DEFINITIONS.- For the purposes of this Contract, the following terms will take the definitions that are assigned below:

 

-   “SITE” meanswww.pagobiccos.com.

 

-   “BENEFICIARIES” means the person designated by the “CLIENT” of “PAGOBICCOS”, so that, in the event of the death of said “CLIENT”, such person exercises before “PAGOBICCOS” the rights derived from the account, contract or operation, in accordance with the provisions by the Law to Regulate Financial Technology Institutions.

 

-   “ELECTRONIC PAYMENT FUNDS ACCOUNT” means the account created by the “CLIENT” on the site.

 

-   “TERMS AND CONDITIONS” mean the terms and conditions of use of the site.

 

-   “AVISO DE PRIVACIDAD” means the privacy notice of the site.

 

-   “AUTHORIZED THIRD PARTIES” means the third service providers of “PAGOBICCOS” in accordance with the provisions of the terms and conditions of the site.

 

-   “RESOURCES OR FUNDS” means amounts of resources reflected in the currency of legal tender in the United Mexican States or in currencies of legal tender in territories other than the United Mexican States.

 

THIRTEENTH. JURISDICTION AND APPLICABLE LEGISLATION.- The “PARTIES” agree to submit for the interpretation, execution and controversies derived from this contract to the applicable legislation of the United Mexican States and to the jurisdiction and competence of the courts of the city of Monterrey, Nuevo León, United Mexican States, for which expressly waive the jurisdiction that may correspond to them due to their present or future domicile.

 

WHEN THE “PARTIES” OF THEIR SCOPE AND LEGAL FORCE KNOW, THEY SIGN THIS CONTRACT ELECTRONICALLY ON THE DAY [*] DE [*] DE [*]. BEING SENT A COPY TO THE EMAIL DESIGNATED BY THE “CLIENT” FOR SUCH EFFECT ON THE SITE, WITHIN THE FOLLOWING TWENTY-FOUR HOURS.

 

 

(1) COMMERCIAL NAME OF THE PRODUCT: PagoBiccos

 

              

TIPO DE OPERACION: Electronic Payment Funds Account

 

 

FORMAS DE PAGO (2)

 

RELEVANT COMMISSIONS (3)

 

·        Electronic transfer

 

CLABE:_ 014580655077112633

 

Número de cuenta: 65507711263

 

Referencia: The one created exclusively for each user of the platform individually.

 

 

·        PagoBiccos: $8.00 per operation

 

·        Payment method: 3.61% of the total

 

·        Comisión de Terceros -  CFE ONLINE: $7.00 per operation

 

·        Bank Charges: as applicable to each bank

 

 

MEANS OF DISPOSITION (4)

 

 

PLACES TO MAKE WITHDRAWALS (5)

 

o    Electronic transfer

 

 

o    ATMs or SPEI from pagobiccos.com

 

 

WARNINGS (6)

 

·        The resources of the Users in the operations carried out with PagoBiccos, S.A.P.I. de C.V., are not guaranteed by the Federal Government.

 

·        Electronic payment funds do not generate returns or monetary benefits for the balances accumulated in them.

 

·        Remember that there are technological, cybernetic and fraud risks inherent to operations carried out by electronic means.

 

 

INSURANCE AND ADDITIONAL SERVICES (7)

 

 

Insurance: _N/A_ (optional or mandatory)

 

Additional Service: _N/A_

 

 

Insurance carrier: _N/A_

 

Lent by: _N/A_

 

Clause: _N/A_

 

Clause: _N/A_

 

ACCOUNT STATUS (8)

 

Periodicidad:

 

Disponible: Email_____ Site_____ Website______

 

 

Clarifications and complaints: (9)

 

Specialized Customer Service Unit:

 

Correo Electrónico: soporte@pagobiccos.com                            Teléfono (Optional): N/A

 

Website: www.pagobiccos.com                           Platform: N/A

 

 

Registration of Accession Contracts Number: (10)

 

National Commission for the Protection and Defense of Users of Financial Services (CONDUSEF):

Teléfono: 01 800 999 8080 and 53400999. Website. www.gob.mx/condusef