Terms and Conditions

By using the website www.finsof.mx of GRUPO PATRIMONIAL PROGRESO FIRME, S.A.P.I. de C.V. ("FINSOF"), you agree to the following Terms and Conditions. These terms are in addition to any other agreement you may have with FINSOF.

DEFINITIONS

User: Applicants who use, browse, or request to participate on our platform.
Loan Agreement: Document created by FINSOF that standardizes the terms and conditions for operations with clients. These terms are non-negotiable.
Account: The client's personal account on the platform to manage their operations.
Funds: Money contributed by the client to operate on the platform.
Client: Individual or entity that contributes money to a private capital scheme with FINSOF seeking a return rate.
Portal: Mobile application in app stores (Android and iOS).
Services: Mobile application in app stores (Android and iOS).
Applicant: Natural or legal person seeking to establish a contractual relationship through FINSOF.

ACCEPTANCE OF TERMS AND PRIVACY

By accessing and using the Portal, it is presumed that you have read, understood, and accepted these Terms and Conditions. If you do not agree, you must refrain from using the mobile application. All content, trademarks, logos, text, images, sound, and any other elements belonging to the Portal are the property of FINSOF or are protected under the law, unless otherwise stated.

USES AND RESTRICTIONS

Using the Portal implies your full acceptance of these Terms and Conditions. FINSOF reserves the right to limit or restrict access to the Portal. Services and content are the sole responsibility of the user, who must use them according to the law and best practices.

The following is prohibited:

Using the Portal for illegal, immoral activities or those infringing on third-party rights.
Copying, modifying, or using content for commercial purposes without prior consent.
Damaging or interfering with the functionality of the Portal.
Harassing or collecting information from other users without their consent.

Any violation of these terms may result in legal action and termination of access to the Portal.

Please read carefully and ensure you fully understand these terms before using the Portal.

SECURITY MEASURES

As a user, it is essential that you understand and accept the security measures implemented by FINSOF:

Autonomy of FINSOF: This entity, regulated by the Ministry of Finance and Public Credit, has the authority to establish and adapt security measures it deems appropriate for its Electronic Systems, Electronic Signature, and communications related to Banking Services. By using its services, you confirm your agreement with these measures.
Prevention and Legislation: In accordance with current regulations, FINSOF collects data to prevent acts or transactions that may be linked to illegal activities as established in Articles 139, 148 Bis, and 400 Bis of the Federal Penal Code.
Communications: FINSOF will never request confidential data through unauthorized means.

USER RECOMMENDATIONS

Use strong passwords of at least 8 alphanumeric characters (including symbols and numbers) and update them regularly.
Avoid accessing your accounts from public places or shared devices.
If you forget or lose your login data, follow these steps:
- Click on "Forgot your password."
- Enter the email associated with your account.
- Find and click the reset link in your email.
- Set and confirm your new password, then click "Save changes."

ACCESS TECHNICAL REQUIREMENTS

INTELLECTUAL PROPERTY

The intellectual property rights regarding the services and content, trademarks, and domains of the Portal, as well as the rights of use and exploitation thereof, including but not limited to their disclosure, publication, reproduction, commercialization, distribution, and transformation, are the exclusive property of FINSOF.

All content displayed or available through the Portal is protected by the laws of the United Mexican States and international laws on the matter. The User does not acquire any intellectual property rights by merely using the services and content of the Portal, and such use will never be considered authorization or license to use the services and content for purposes other than those set forth in these Terms, Conditions of Use, and Access to the Portal.

The User agrees that the provisions in the preceding paragraph regarding FINSOF’s ownership rights also apply to the rights of third parties regarding services and content on pages linked to the Portal. The content of this Portal may not be reproduced, partially or in full, displayed, modified, recorded, copied, shown, disclosed, transmitted, distributed, published, printed, sold, licensed, quoted, or used to create a derivative work or for any other purposes, except with prior written authorization from FINSOF.

SERVICES PROVIDED BY FINSOF

Notwithstanding the foregoing, the operations that may be carried out through the Portal will be governed by the terms and conditions established in the respective contract, which is formalized or has been formalized between the User and FINSOF, prior to granting access to the transactional section of the Portal. In accordance with the Securities Market Law, FINSOF cannot assume any obligation to guarantee returns, nor be responsible for any losses the user may suffer as a result of transactions carried out under said law.

AVAILABILITY

FINSOF will make all reasonable efforts to ensure the availability and accessibility of the Portal twenty-four hours a day throughout the year. If you detect any anomaly, please contact us at contacto@finsof.mx. However, the provision of new connections, address changes, and necessary maintenance operations that generally involve the suspension of access or use of the Portal may cause interruptions for the time necessary to carry out such tasks. FINSOF may provide or make available to the User various services, information, and content through the Portal or links to other internet sites, either directly or indirectly through various providers not affiliated with FINSOF.

However, FINSOF cannot guarantee the availability and continuity of the Portal's operation, nor the usefulness of the Portal or the services contained therein for any specific activity. FINSOF will not be liable for any damages or losses of any kind that may be caused due to the lack of availability or continuity of the Portal’s operation and/or the services contained therein. FINSOF will not, under any circumstances, be liable to the User or third parties for any damages related to the use or inability to use the services provided by or through the Portal or for any error, delay, omission, or inaccuracy of the information or its transmission, loss or damage caused by inconsistency, malfunction, interruption of information, whether due to a voluntary or involuntary act or omission by FINSOF, acts of God, force majeure, government actions, labor disputes, accidents, communication failures, power outages, technical problems, system interruptions, or failures in computing systems or equipment beyond the control of FINSOF or its affiliates, suppliers, or transmitters. Customer service via our email contacto@finsof.mx is available from 9:00 a.m. to 6:00 p.m.